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What is a career agency system in insurance?

Career Agency System. With the career agency system commercial insurers establish offices in certain locations. Career agents are recruited to work at the...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What are two types of title insurance policies?

There are two types of title insurance – owner’s title insurance (an Owner’s Policy), which protects the buyer, and lender’s title insurance (a Loan Polic...

What does higher insurance rate mean?

Typically, the more insurance coverage a person would like to receive, the higher the insurance rates they will have to pay. The term “insurance rate” is ...

Do I need insurance with a provisional license?

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...

Do I have to put my girlfriend on my car insurance?

Your significant other doesn’t have insurance: If your boyfriend/girlfriend doesn’t have insurance, they will not be covered under the permissive use poli...

Are cleanings covered by insurance?

Many dental insurance policies cover routine adult cleanings as preventive care. Deep cleanings are considered a more complex service outside of preventiv...

Can someone sue you personally after a car accident?

When you get into a car accident, you never think that you’re going to have to sue the other driver for damages. If you find yourself in this situation an...

What is not covered under PIP insurance?

PIP covers medical expenses, funeral expenses, lost income, child care expenses, survivors’ loss benefits, and household services. PIP does not cover vehi...

Is accidental water damage covered by insurance?

Your home and contents insurance will usually cover water leaks if they’re sudden or accidental. If a water leak occurs because of gradual damage you coul...

What does gross premium mean in insurance?

A gross premium is the total premium of an insurance contract before brokerage or discounts have been deducted. In reinsurance, the primary insurance comp...