Small Fleet Insurance Linden, New Jersey

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.

Linden is a city in southeastern Union County, New Jersey, United States. It is part of the New York Metropolitan Area, located about 13 miles (21 km) southwest of Manhattan and bordering Staten Island, a borough of New York City, across the Arthur Kill. As of the 2010 United States Census, the city’s population was 40,499, reflecting an increase of 1,105 (+2.8%) from the 39,394 counted in the 2000 Census, which had in turn increased by 2,693 (+7.3%) from the 36,701 counted in the 1990 Census.

Linden was originally formed as a township on March 4, 1861 from portions of Elizabeth, Rahway and Union Township. Portions of the township were taken to form Cranford (March 14, 1871), Linden Borough (March 30, 1882) and Roselle (December 20, 1894). Linden was incorporated as a city by an act of the New Jersey Legislature on January 1, 1925, replacing both Linden Township and Linden Borough, based on the results of a referendum held on November 8, 1923. The city’s name derives from linden trees brought from Germany.