Owner Operators Insurance Requirements Harrisburg, Pennsylvania

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.

Harrisburg (/ˈhærɪsbɜːrɡ/ HARR-iss-burg; Pennsylvania German: Harrisbarrig)[citation needed] is the capital city of the Commonwealth of Pennsylvania in the United States, and the county seat of Dauphin County. With a population of 49,229, it is the 15th largest city in the Commonwealth. According to 2018 estimates of the Census Bureau , the population is 51.8% Black or African American, 22.6% white, 21.8% Latino, 5.4% Asian, and 0.4% Native American while 3.9% identify as two or more races. It lies on the east bank of the Susquehanna River, 107 miles (172 km) west of Philadelphia. Harrisburg is the anchor of the Harrisburg metropolitan area, which had a 2018 estimated population of 574,659, making it the fourth most populous metropolitan area in Pennsylvania and 96th most populous in the United States. It is the largest city in the multi-polar region known as the Lower Susquehanna Valley, comprising the Harrisburg, Lancaster and York metropolitan areas.

Harrisburg played a notable role in American history during the Westward Migration, the American Civil War and the Industrial Revolution. During part of the 19th century, the building of the Pennsylvania Canal and later the Pennsylvania Railroad allowed Harrisburg to become one of the most industrialized cities in the Northeastern United States. The U.S. Navy ship USS Harrisburg, which served from 1918 to 1919 at the end of World War I, was named in honor of the city. In the mid-to-late 20th century, the city’s economic fortunes fluctuated with its major industries consisting of government, heavy manufacturing, agriculture, and food services (nearby Hershey is home of the chocolate maker, located just 10 miles (16 km) east).

The Pennsylvania Farm Show, the largest free indoor agriculture exposition in the United States, was first held in Harrisburg in 1917 and has been held there every early-to-mid January since then. Harrisburg also hosts an annual outdoor sports show, the largest of its kind in North America, an auto show, which features a large static display of new as well as classic cars and is renowned nationwide, and Motorama, a two-day event consisting of a car show, motocross racing, remote control car racing, and more. Harrisburg is also known for the Three Mile Island accident, which occurred on March 28, 1979, near Middletown.

In 2010 Forbes rated Harrisburg as the second best place in the U.S. to raise a family. Despite the city’s recent financial troubles, in 2010 The Daily Beast website ranked 20 metropolitan areas across the country as being recession-proof, and the Harrisburg region landed at No. 7. The financial stability of the region is in part due to the high concentration of state and federal government agencies.