Large Fleet Insurance Aurora, Illinois

Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.

Originally, individual companies that faced a common peril formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium.

Liability insurance is designed to offer specific protection against third-party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured.

Aurora is a city in DuPage, Kane, Kendall, and Will counties in the U.S. state of Illinois. Located primarily in DuPage and Kane counties, it is an outer suburb of Chicago and the second most populous city in the state, and the 115th most populous city in the country. The population was 197,899 at the 2010 census, and was estimated to have increased to 199,602 by 2018.

Once a mid-sized manufacturing city, Aurora has grown since the 1960s. Founded within Kane County, Aurora’s city limits and population have expanded into DuPage, Will, and Kendall counties. Between 2000 and 2003, the U.S. Census Bureau ranked Aurora as the 34th fastest-growing city in the United States. From 2000 to 2009, the U.S. Census Bureau ranked the city as the 46th fastest growing city with a population of over 100,000.

In 1908, Aurora adopted the nickname “City of Lights”, because in 1881 it was one of the first cities in the United States to implement an all-electric street lighting system. Aurora’s historic downtown is located on the Fox River, and centered on Stolp Island. The city is divided into three regions, the West Side, on the west side of the Fox River, the East Side, between the eastern bank of the Fox River and the Kane/DuPage County line, and the Far East Side/Fox Valley, which is from the County Line to the city’s eastern border with Naperville.

The Aurora area has some significant architecture, including structures by Frank Lloyd Wright, Ludwig Mies van der Rohe, Bruce Goff and George Grant Elmslie. Aurora is also home to a large collection of Sears Catalog Homes (over 50 homes) and Lustron all-steel homes (seven homes). The Hollywood Casino Aurora, a dockside gaming facility with 53,000 square feet (4,900 m2) and 1,200 gaming positions, is located along the river in downtown Aurora.