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January 2, 2018
D Ward Insurance

Safeguard Your Long-Term Care

When deciding how you’d like to customize your long-term care (LTC) policy, you will most likely face a decision on whether to have an inflation rider or forgo any inflation protection. Before deciding what is best for you, it is best to understand the benefits offered by a compound inflation rider. Purchasing an inflation rider […]
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January 9, 2018
D Ward Insurance

How Does Remodeling My House Affect My Insurance?

  Envision your house transformed into a welcoming space with fresh updates and extra room for the things you enjoy. With a remodeling project you can open up walls, add lighting, or upgrade the flooring to create a stylish look and improve the efficiency of your home. Renovating your home can be exciting and overwhelming, […]
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January 16, 2018
D Ward Insurance

Does My Personal Auto Policy Cover Rental Cars?

We frequently get calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at common example: You take a vacation to […]
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November 5, 2018
D Ward Insurance

Flood Vehicles – What to Avoid!

  The Facts on Flooded Vehicles is from the National Insurance Crime Bureau: Like other natural disasters, floods can create enormous damage to properties and vehicles. Flood vehicles offer a tempting opportunity for criminals to defraud unsuspecting consumers. By definition, a flood vehicle has been completely or partially submerged in water to the extent that […]
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November 5, 2018
D Ward Insurance

Why Customers Choose D. Ward Insurance

  A D. Ward Insurance, we are committed to building long-lasting relationships by providing more carriers for more choices and this is the #1 reason why customers choose D. Ward Insurance Agency.  D. Ward Insurance Agency vs. Captive Agents Here are reasons why you would rather choose D. Ward agency which is the best Independent Insurance Agency  […]
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August 13, 2020
D Ward Insurance

What is the Difference Between Commercial Auto and Personal Auto?

Most drivers with a personal vehicle carry personal auto insurance in order to protect their assets in case of an accident. Not all vehicles are personal vehicles, however, and personal auto insurance isn’t the only option. Commercial vehicles are vehicles owned or used by a business for work purposes. For example, if you are a […]
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July 19, 2021
D Ward Insurance

Will General Liability Costs Increase – How to Manage Costs and Coverage

General liability insurance is one of the most valuable of all forms of business insurance. Each year, millions of claims happen, many of which can financially drain a company. This coverage helps protect them. As a business, though, the costs to pay for these insurance products can seem overwhelming. If it is time to renew […]
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November 18, 2021
D Ward Insurance

The Difference Between a Business Owners Policy and a Commercial Package Policy

When you are researching business insurance, you will often see that you have the opportunity to bundle numerous benefits into one package of coverage. Commercial insurance packages offer customers convenience by combining important insurance options from which every business can benefit. Often, these packages are more affordable than buying policies piecemeal, as well.  The two […]
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December 15, 2021
D Ward Insurance

Commercial Auto Insurance Mistakes

Did You Know? A mistake your auto insurance application can end up costing you more money. Providing inaccurate information on your application can lead to increased premiums, policy cancellations or limited financial assistance in the event of an accident. Not listing all drivers—Anyone who drives your vehicle, even if it’s just for a short period […]
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January 19, 2022
D Ward Insurance

Is a BOP Right for Your Small Business?

A business owner’s policy, or BOP, is a great insurance solution for small- to medium-sized businesses. This type of policy is favored because it bundles the most common coverages into one policy, with one premium as opposed to paying for policies a la carte. This bundle is fully customizable and generally cheaper than buying individual […]
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