Small Fleet Insurance Latin Quarter, Florida

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.

Little Havana (Spanish: Pequeña Habana) is a neighborhood of Miami, Florida, United States. Home to many Cuban exiles, as well as many immigrants from Central and South America, Little Havana is named after Havana, the capital and largest city in Cuba.

Little Havana is noted as a center of social, cultural, and political activity in Miami. Its festivals, including the Calle Ocho Festival, Viernes Culturales/Cultural Fridays, the Three Kings Parade and others, have been televised to millions of people every year on different continents. It is also known for its landmarks, including Calle Ocho (SW 8th Street/Tamiami Trail), and its Walk of Fame (for famous artists and Latin personalities, including Celia Cruz, Willy Chirino, and Gloria Estefan), the Cuban Memorial Boulevard, Plaza de la Cubanidad, Domino Park, the Tower Theater, José Martí Park, the Firestone/Walgreens Building, St. John Bosco Catholic Church, Municipio de Santiago de Cuba and others.

Little Havana is the best known neighborhood for Cuban exiles in the world. It is characterized by its street life, restaurants, music and other cultural activities, mom and pop enterprises, political passion, and great warmth amongst its residents.

In 2015, Little Havana was included in the National Trust for Historic Preservation’s annual list of 11 Most Endangered Places. In 2017, the Trust declared it a national treasure.