Truckers Liability insurance Galveston, Texas
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 Galveston, Texas
Commercial Truck Insurance Galveston, Texas
Galveston (/ˈɡælvɪstən/ GAL-vis-tən) is a coastal resort city and port off the southeast coast on Galveston Island and Pelican Island in the U.S. state of Texas. The community of 209.3 square miles (542 km2), with a population of 47,743 in 2010, is the county seat of surrounding Galveston County and second-largest municipality in the county. It is also within the Houston–The Woodlands–Sugar Land metropolitan area at its southern end on the northwestern coast of the Gulf of Mexico.
Galveston, or Galvez’ town, was named after the Spanish military and political leader in the 18th century: Bernardo de Gálvez y Madrid, Count of Gálvez (1746–1786), who was born in Macharaviaya, Málaga, in the Kingdom of Spain. Galveston’s first European settlements on the Galveston Island were built around 1816 by French pirate Louis-Michel Aury to help the fledgling Republic of Mexico fight for independence from Spain, along with other colonies in the Western Hemisphere of the Americas in Central and South America in the 1810s and 1820s. The Port of Galveston was established in 1825 by the Congress of Mexico following its independence from Spain. The city was the main port for the fledgling Texas Navy during the Texas Revolution of 1836, and later served temporarily as the new national capital of the Republic of Texas.
During the 19th century, Galveston became a major U.S. commercial center and one of the largest ports in the United States. It was for a time, Texas’ largest city, known as the “Queen City of the Gulf”. It was devastated by the unexpected Galveston Hurricane of 1900, whose effects included massive flooding and a storm surge which nearly wiped out the town. The natural disaster on the exposed barrier island is still ranked today as the deadliest in United States history, with an estimated death toll of 6,000 to 12,000 people. The city subsequently reemerged during the Prohibition era of 1919–1933 as a leading tourist hub and a center of illegal gambling, nicknamed the Free State of Galveston until this era ended in the 1950s with subsequent other economic and social development.
Much of Galveston’s economy is centered in the tourism, health care, shipping, and financial industries. The 84-acre (34 ha) University of Texas Medical Branch campus with an enrollment of more than 2,500 students is a major economic force of the city. Galveston is home to six historic districts containing one of the largest and historically significant collections of 19th-century buildings in the U.S., with over 60 structures listed on the National Register of Historic Places, maintained by the National Park Service in the United States Department of the Interior.