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Do you get points for no seatbelt in NY?

The driver can be fined $25 to $100 and receive three driver license penalty points for each violation. Seat belt use is not required in emergency vehicle...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do you need insurance to sell handmade candles?

If I make candles from home do I still need insurance? Yes, you should absolutely still get insurance. It’s highly unlikely you would be insured under you...

How much is general liability insurance in North Carolina?

A typical small business in North Carolina can expect to pay anywhere between $300 and $5,000 annually for their general liability policy. The final cost ...

What insurance does a physician need?

7 Types of Insurance to Protect Your Medical Practice Professional Liability Insurance. Property Insurance. Business Auto Insurance. Workers Compensation ...

What is the Torrens system of recording?

A system for recording land titles under which a court may direct the issuance of a certificate of title upon application by the landowner. Real estate th...

What is the difference between commercial plates and regular plates?

What’s the difference between a commercial plate and regular plates? Commercial license plates are used to help differentiate vehicles used for business p...

How do I reconcile health insurance premiums?

To reconcile, you compare two amounts: the premium tax credit you used in advance during the year; and the amount of tax credit you qualify for based on y...

Who does errors and omissions cover?

E&O insurance protects companies and professionals against claims of inadequate work or negligent actions made by clients. Anyone who provides a servi...

Does chewing tobacco affect life insurance?

Chewing tobacco is typically treated the same as smoking from a life insurance perspective. You’ll generally only qualify for smoker rates—generally at le...

What is collision car insurance best for?

Collision insurance covers damage to your own car from: A collision with an object such as a tree or mailbox. Your car rolling over. Another driver hittin...