Business Insurance

D. Ward underwrites with some of the largest nationally

known insurance carriers: Hartford *Haulers *Auto Owners

*Utica *Progressive  * Mercury




Important Business Owner Coverage:


  • General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for an injury or damage.
  • General Liability pays losses and expenses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations by individuals other than your employees.


Broad Range of General Liability Protection

  • Bodily Injury: including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage: coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations: provides liability protection if an injury ever resulted from something your company made or service your company provided
  • Products Liability: a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability: extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles; Fire, Lightning or Explosion Damage;
    Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection. 

Business Auto

As a Business Owner, you need the same kind of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. 

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. Talk with D. Ward in detailed about your operation as you select your coverage options.


D. Ward Insurance since 1988
Office: 770-974-0670 | dward@dwardins.com
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