June 2, 2022
D Ward InsuranceHow to Lower Your Home Insurance Rates without Raising the Deductible
When it comes to lowering home insurance rates, many people think about raising their deductible without giving much thought to other ways of achieving the same effect. One reason for this is that people often don’t consult with their independent insurance agents, who are more than happy to discuss methods of lowering premiums. Many of […]
May 6, 2022
D Ward InsuranceGenerator 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 […]
May 5, 2022
D Ward Insurance4 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 […]
April 12, 2022
D Ward InsuranceDoes 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? […]
April 12, 2022
D Ward InsuranceProtect 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 […]
March 11, 2022
D Ward InsuranceHow 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. […]
February 9, 2022
D Ward InsuranceCommon 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 […]
January 19, 2022
D Ward InsuranceIs 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 […]
December 15, 2021
D Ward InsuranceCommercial 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 […]
November 18, 2021
D Ward InsuranceThe 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 […]