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May 6, 2022
D Ward Insurance

Generator Tips for Your Home

When the power goes out in the winter, homeowners become concerned about their house getting too cold. The health of family members is an issue. In addition, pipes could freeze and burst, causing significant damage to the home. Many families rely on generators to keep their home warm when the power fails. However, generators have […]
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May 5, 2022
D Ward Insurance

4 Great Reasons to “Bundle Up” for Auto Insurance Savings

Bundling is simply the process by which we combine our auto insurance with our homeowners or renters insurance. Life insurance may also be added to the mix in many cases.   Here are a few advantages of bundling insurance coverage: 1.Discounts: Any enterprise — including insurance companies — tends to give you a better deal […]
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April 12, 2022
D Ward Insurance

Does Commercial Auto Insurance Cover Employee Vehicles?

Commercial auto insurance policies are designed to cover vehicles used or owned by the business, but insurance can get slightly more complicated when it comes to employee vehicles. If your employees use personal vehicles for work, they may not be covered under your business’ basic commercial auto insurance policy. What Does Commercial Auto Insurance Cover?  […]
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April 12, 2022
D Ward Insurance

Protect Your Important Assets with Umbrella Insurance

Umbrella insurance policies are also known as excess liability policies and are considered an important part of insurance coverage for anyone with even a modest number of financial assets. Many insurance agents routinely advise that everyone should carry an umbrella policy, regardless of their income or assets. What exactly is umbrella insurance and why is […]
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March 11, 2022
D Ward Insurance

How General Liability Insurance Can Benefit Your Business

When you think of protecting your business, the first thing that comes to mind is probably the building, computer equipment and other physical assets that required a substantial investment. But liability risks are equally as important for you to consider. What is a liability risk? A liability is your business’ financial responsibility to another party. […]
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February 9, 2022
D Ward Insurance

Common Auto Insurance Mistakes

Did You Know? An error on your auto insurance application can lead to costly consequences. 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 continuously 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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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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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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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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