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How do I trace a claim?

Use these strategies as a guide: Identify the claim. Think about what the writer wants readers to do or believe. Examine the reasons. Identify the writer’...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does general liability insurance cover fire?

For the business owner, fire damage legal liability is included under their commercial general liability policy. However, in order for the insurance polic...

What are some unnecessary types of insurance?

The list below is common insurance types that can generally be described as cheap fouls or unnecessary insurance for most people. 1) Accidental Death and ...

Which words can be used for omission?

synonyms for omission breach. carelessness. exclusion. failing. lapse. oversight. inadvertence. neglect. How do you use omission in a sentence? Omission i...

Can you get life insurance on anybody you want?

You can’t take out a life insurance policy on a stranger or even someone you just casually know. “You have to have an insurable interest in that person,” ...

Is childcare covered under insurance?

Did you know your in-home daycare may NOT be covered by your homeowner’s policy? Typical homeowner’s policies (HO-3) only offer you liability coverage for...

Is HIV covered by critical illness?

Can you take out a critical illness policy if you have HIV? In general, no. If you have been diagnosed with HIV, you will not be eligible for most critica...

Can I claim for my washing machine on home insurance?

Will my washing machine be covered by my home insurance? You will have cover for fire, flood, loss and theft, but home insurance does not cover repairs du...

Does a provisional driver need insurance?

You need your own insurance as a learner driver if you’re practising in a car you own. If you’re practising in someone else’s car, you need to make sure t...

What happens if I hit a guardrail?

Yes. Damage to the guardrail will be paid under your Property Damage Liability coverage. In all states, Property Damage Liability is required and part of ...