The Daily Horizon

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How do insurance companies really make money?

Most insurance companies generate revenue in two ways: Charging premiums in exchange for insurance coverage, then reinvesting those premiums into other in...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can 16-year-old get own car insurance?

Alberta. The minimum age required to get car insurance in Alberta is 16 years and there is a graduated licensing system. How much is insurance for a 16-ye...

What is the role of insurance in transportation?

Depending on the mode of transport—rail, truck, sea, or air—cargo insurance can provide protection against all risks of physical loss or damage from any e...

Will insurance cover stolen car if keys were left in it?

Does Insurance Cover Stolen Cars with Keys Left Inside? In the unfortunate situation when your car is stolen with your keys left inside, your car insuranc...

What happens when you hit someone on private property?

For the most part, a crash on private property is treated as a “no fault” crash by police. This means that every driver needs to make a claim under his or...

Are you liable if a roofer falls off your roof?

Technically, no, the building owner can’t be liable for a contractor’s actions – unless it can be proved that the incident occurred due to the building ow...

What percent of the population is covered by Medicare and Medicaid?

Of the subtypes of health insurance coverage, employer-based insurance was the most common, covering 56.0 percent of the population for some or all of the...

What is a notice of claim in insurance?

Notice of Claim Provision — a provision in a liability insurance policy requiring the insured to promptly notify the insurer in the event that a claim is ...

Is my fridge covered on home insurance?

A standard home contents insurance policy will cover your appliances if they are damaged or destroyed in a fire, storm, flood, other natural disaster or i...

Do home insurance automatically cancel when selling?

When you sell the house, your coverage is in effect until your title company sends in the payoff, or the funds to close the loan. If your homeowners insur...