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Why do you want a waiver of subrogation?

Clients may want your business to waive your right of subrogation so they will not be held liable for damages if they are partially responsible for a loss...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can I add my domestic partner to my health insurance in Colorado?

Colorado does not require that insurance plans provide benefits for same-sex domestic partners, and many plans continue to deny employees in domestic part...

When did medical insurance companies begin offering medical plans?

During the 1920s, individual hospitals began offering services to individuals on a pre-paid basis, eventually leading to the development of Blue Cross org...

Can I take out a life insurance policy on my nephew?

In order to purchase a life insurance policy on someone else, you have to be able to show what is known as an insurable interest. If the aunt is especiall...

Should I trust Lyle Animal Crossing?

Lyle is persuasive because he’s a con man, thats what they’re good at. If you do get his insurance you’ll be paying 3,000 bells to get only 100 bells wort...

Does Illinois offer domestic partner insurance?

Legally, however, domestic partnerships are no longer an option for residents of Illinois. Civil unions provide all of the rights and responsibilities aff...

Is civil liability insurance the same as professional indemnity?

Pretty much all professional indemnity insurance policies now come complete with full civil liability. In simple terms, that means they cover more. A full...

How much does your insurance go up if you back into someone?

While nearly every auto insurance company will raise your rates after an accident, the amount can vary noticeably between companies. The range of rate inc...

Does group health insurance cover family members?

Businesses and organizations buy group health insurance plans in order to provide medical coverage to their employees or members. Group health premiums ar...

How is the deposit insurance fund funded?

The DIF is funded mainly through quarterly assessments on insured banks. A bank’s assessment is calculated by multiplying its assessment rate by its asses...