Small Fleet Insurance Gowen City, 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.

Northumberland County is a county located in the U.S. state of Pennsylvania. As of the 2010 census, the population was 94,528. Its county seat is Sunbury. The county was formed in 1772 from parts of Lancaster, Berks, Bedford, Cumberland, and Northampton Counties and named for the county of Northumberland in northern England. Northumberland County is a fifth class county according to the Pennsylvania’s County Code.

Northumberland County comprises the Sunbury, PA Micropolitan Statistical Area, which is also included in the Bloomsburg-Berwick-Sunbury, PA Combined Statistical Area.

Among its famous residents, Joseph Priestley, the Enlightenment chemist and theologian, left England in 1796 due to religious persecution and settled on the Susquehanna River. His former house (originally purchased by chemists from Pennsylvania State University after a colloquium that founded the American Chemical Society) is a historical museum.