The Daily Horizon

Featured Article

How an individual manage the risk?

There are typically four key steps in the risk management process for individuals: Specify the objective, identify risks, evaluate risks and select approp...

Read Full Article Browse business

Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do casinos have insurance?

All types of casinos and hotel-casinos are eligible in every state. We can insure the hotel/casino and ancillary operations of casinos including event spa...

Are annuities the same as life insurance?

Annuities are not life insurance policies. They are, in fact, designed to serve the exact opposite purpose. Whereas life insurance guarantees income in th...

Should I get comprehensive insurance on an old car?

Do I need comprehensive insurance on an old car? If you don’t have a loan or lease on your car, comprehensive insurance likely isn’t required. And if the ...

Do you need insurance if you have a license but no car North Carolina?

Many companies offer some form of car insurance for car owners who are not licensed to drive. In most states, including North Carolina, a vehicle cannot b...

What insurance covers for theft?

Comprehensive insurance usually helps cover theft of the car itself, stolen car parts or damage caused by a break-in (such as broken windows or damaged do...

What is facultative obligatory approach?

Facultative Obligatory Treaty — the hybrid between the facultative versus treaty approach. It is a treaty under which the primary insurer has the option t...

Is bee damage covered by homeowners insurance?

Most homeowner’s insurance does not cover bee removal or repair costs. Damage by bees (insects) is damage over time, rather than sudden loss, and is not c...

What is an insurance title agent?

The Title Agency: A title agency is a subcontractor that represents the title company in a real estate transaction. A title agency underwrites a title bef...

What is the policy group number on insurance card?

Group number: Identifies your employer plan. Each employer choses a package for their employees based on price, or types of coverage. This is identified t...