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Does homeowners insurance cover if someone gets hurt on your property?

Liability insurance under your home policy protects you from liability if someone is accidentally injured in your home or if you or a family member accide...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What is an insurance EUO?

The examination under oath (EUO) is an important tool to help an insured prove his or her loss or to allow an insurer to cross-examine the proofs of loss ...

What does a DP policy cover?

A DP1 policy is a type of home insurance that protects rental or vacant homes from nine named perils. It covers the property for its actual cash value, no...

What are the operations of insurance company?

Insurance operations: marketing, underwriting, and administration. Insurance operations: actuarial analysis and investments. Insurance operations: reinsur...

Does the adjuster work for the insurance company?

For the most part an insurance claims adjuster will be sourced by the insurance company, and so will represent them. They will work either directly for th...

What is a office memorandum?

An office memorandum meaning a memo issued by a member of a governing body or an organization is simply a method of communication which will convey certai...

Can you purchase travel insurance on your own?

You can purchase coverage for a single trip or a full year of travel, quickly and easily whether you are travelling internationally or domestically. Also,...

What do National Insurance contributions go towards?

You might also make National Insurance contributions. These help build your entitlement to certain state benefits, including the State Pension and Materni...

What happens to your insurance premium if you have a high deductible?

In most cases, the higher a plan’s deductible, the lower the premium. When you’re willing to pay more up front when you need care, you save on what you pa...

What does professional liability insurance cover for architects?

Professional liability insurance is coverage that protects an architectural firm and its employees against claims alleging negligent acts, errors, or omis...