Thomas Ward Insurance Group

Home insurance has small limits for jewelry, furs, guns, and fine art.
Big-ticket items need to be scheduled on your policy.

On average, a DUI adds $1,400–$3,000 to yearly insurance costs. Don’t let one night affect your next five years.

Running a business out of your home? Great.
But your homeowners policy won’t cover business property or liability.
That’s where in-home business or commercial coverage comes in.

Sewer Backup & Sump Overflow - Gross but true — this isn’t covered unless you add a water backup endorsement. It’s one of the most cost-effective add-ons you can buy.

Trim back branches that hang near your home. It helps prevent damage from wind or fallen limbs.

House shaking, shifting, sinking, settling — not covered by a basic home policy.
Earthquake endorsements or separate policies are needed.

🚀 Big News!

We’re thrilled to share an exciting update about our agencies — and what it means for you!

As of today, Thomas Ward Insurance Group and Ned Gulbransen Agency are joining forces under a new name:

👉 Ward & Co. Insurance

While our name is changing, everything you value most stays the same:

Your policies, coverage, and payments remain exactly as they are.

You’ll still work with the same trusted professionals you know and rely on.

You’ll benefit from a stronger, unified team dedicated to your protection and peace of mind.

This new chapter simply reflects what’s long been true — one team, one mission, one commitment to putting you first.

Keep an eye out for our new name on emails, documents, and our freshly launched website:
🌐 www.wardinsure.com

📍 Chicago — 1525 N. Elston Ave, Suite 6 | 312-254-1500
📍 Naperville — 40 Shuman Blvd, Suite 176 | 630-393-6700

Thank you for your continued trust and partnership.

We’re excited to move forward — together — as Ward & Co. Insurance. 💙

Thomas Ward, CIC – President
Michael Rice, CIC – Vice President
and the entire Ward & Co. Insurance Team