Truckers Liability insurance Des Moines, Iowa
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.
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Owner Operators Insurance Requirements Des Moines, Iowa
Commercial Truck Insurance Des Moines, Iowa
Des Moines (/dɪˈmɔɪn/ (listen)) is the capital and the most populous city in the U.S. state of Iowa. It is also the county seat of Polk County. A small part of the city extends into Warren County. It was incorporated on September 22, 1851, as Fort Des Moines, which was shortened to “Des Moines” in 1857. It is located on, and named after, the Des Moines River, which likely was adapted from the early French name, Rivière des Moines, meaning “River of the Monks”. The city’s population was 216,853 as of the 2018 population estimate. The six-county metropolitan area is ranked 89th in terms of population in the United States with 655,409 residents according to the 2018 estimate by the United States Census Bureau, and is the largest metropolitan area fully located within the state. A portion of the larger Omaha, Nebraska, metropolitan area extends into three counties of southwest Iowa.
Des Moines is a major center of the US insurance industry and has a sizable financial services and publishing business base. The city was credited as the “number one spot for U.S. insurance companies” in a Business Wire article and named the third-largest “insurance capital” of the world. The city is the headquarters for the Principal Financial Group, the Meredith Corporation, Ruan Transportation, TMC Transportation, EMC Insurance Companies, and Wellmark Blue Cross Blue Shield. Other major corporations such as Wells Fargo, Voya Financial, Nationwide Mutual Insurance Company, ACE Limited, Marsh, Monsanto, and DuPont Pioneer have large operations in or near the metropolitan area. In recent years, Microsoft, Hewlett Packard, and Facebook have built data-processing and logistical facilities in the Des Moines area. Forbes ranked Des Moines as the “Best Place for Business” in both 2010 and 2013. In 2014, NBC ranked Des Moines as the “Wealthiest City in America” according to its criteria.
Des Moines is an important city in U.S. presidential politics; as the state’s capital, it is the site of the first caucuses of the presidential primary cycle. Many presidential candidates set up campaign headquarters in Des Moines. A 2007 article in The New York Times said, “If you have any desire to witness presidential candidates in the most close-up and intimate of settings, there is arguably no better place to go than Des Moines.”