August 7, 2017
D Ward InsurancePersonal Articles Floaters – Extra Protection for Your Extra Special Possessions
Do you know how much your Homeowners policy will pay in case you lose your guns, jewelry, or fine art collection? Generally, the special limits included in your Homeowners policy are as follows: Fine Arts $1,500 Furs and Jewelry $1,000 (Theft Limit) Guns $2,500 (Theft Limit) Silverware, Goldware, Pewterware $5,000 (Theft Limit) Stamps $1,000 Trading […]
July 31, 2017
D Ward InsuranceWorkers Compensation Coverage – A Must-Have for Your Business
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover […]
July 19, 2017
D Ward InsuranceRead This Before You Drive for Uber or Lyft!
Driving for a ride-hailing company like Uber or Lyft can be a great way to make a living or just make some cash on the side. However, the job doesn’t come without risks. You have personal auto insurance, and probably assume that it will cover you in case you get into a wreck. This is […]
July 12, 2017
D Ward InsuranceHome-Based Businesses Should be Protected, Too
Thought it may be difficult to imagine, the U.S. Small Business Administration says that more than half of all businesses in the U.S. are located out of the home of the business owner. Regrettably, several of those home-based business owners feel that they don’t require any special insurance policies to defend their business from the […]
July 11, 2017
D Ward InsuranceHome Service Line Coverage – Protect Your Pipes!
D. Ward Insurance is proud to announce that Auto-Owners, one of its insurance carriers, now offers Service Line Coverage. Service Line Coverage provides protection against a leak, break, tear, rupture, collapse or arcing of a covered service line caused by the following perils: · Wear and tear · Marring · Deterioration · Hidden decay rust […]
July 11, 2017
D Ward InsuranceNine Steps to Repairing Your Roof the Right Way
If you have a shingled roof in a hurricane prone area and it’s time to replace your roof, follow the advice in this guide to improve the long-term performance of your new roof. When you’re ready to get started, find a qualified roofing contractor. Proper installation directly impacts a roof’s long-term performance. Take the […]
July 5, 2017
D Ward InsuranceFlood Insurance, Not Just for Hurricane Season
Atlantic Hurricane season began on June 1, which means that it’s time to examine flood insurance for your home. Though you may be far away from the beach, hurricanes can still make their presence felt with torrential rain which can cause damaging floods. In fact, hurricane-related flooding causes more property damage than hurricane winds. A […]
July 5, 2017
D Ward InsuranceEnsure Smooth Sailing With Boatowners Insurance
With summer in full swing, it’s time to make sure your boat or other personal watercraft is insured before you take it out for a day on the waves. Our job at D. Ward Insurance is to protect you from the liability created by weekend warrior boaters, on-water towing expenses, boat and trailer damage, and […]
June 7, 2017
D Ward InsuranceBoat and Motorcycle Insurance – Summertime Peace of Mind
With summer here, many of us will be out on the lake enjoying a boat ride or taking on the open road with a motorcycle. Have D. Ward Insurance Services protect you and your loved ones with an insurance policy designed to cover all that you have worked hard for. With boat policies, limits of […]
June 7, 2017
D Ward InsuranceEPL Insurance – Protection Against Employee Lawsuits
Running your business has its rewards but an employee-related lawsuit from a current, former, or potential employee can be very strenuous. Without Employment Practices Liability Insurance (EPLI), defense costs could run in the tens of thousands. What is EPLI? EPLI is short for Employment Practices Liability Insurance and it is an insurance policy designed to […]