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What penalty may the Office of insurance Regulation impose if an agent intentionally represents an unauthorized insurer in Florida?

Any agent who solicits or sells for these or any unauthorized entity is in violation of Florida Law (§626.901, Florida Statues, among others), may be liab...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does homeowners cover spoiled food?

Oftentimes, insurance may help reimburse you for the cost of the spoiled food if it’s the result of a covered risk (frequently referred to as a peril), su...

Can an employer change company policy?

The bottom line is that most company policies can be changed. With clear communication, proper consideration of any required notice period, and evaluation...

Is periodontal disease covered under insurance?

Dental insurance can cover some treatments for periodontal disease. People should enroll into periodontal insurance, which is dental insurance that covers...

How long can a life insurance policy be backdated?

six months Life insurance companies will let you backdate a new policy a few days or up to six months. Backdating essentially revolves around your half bi...

Do term life insurance premiums decrease as you get older?

Your age is one of the primary factors influencing your life insurance premium rate, whether you’re seeking a term or permanent policy. Typically, the pre...

How do you find out if you are a beneficiary of a life insurance policy?

Contact the life insurance company The insurer should have the policy on file. Be prepared to prove that you are the beneficiary listed (usually with an I...

Is sewer pipe damage covered by insurance?

Unfortunately, when it comes to standard homeowners policies, sewer line coverage remains limited. However, if the sewer damage in your home is unexpected...

Is product recall a property coverage?

Understanding the Product Recall trigger Product Recall Insurance provides protection in the event any of your products pose an imminent threat of bodily ...

What is the relationship between health providers and insurance companies?

The relationship between health insurance companies and providers is inherently antagonistic, with health systems, hospitals and physicians looking to get...