Stratum Insurance Agency News

Pennsylvania Beauty Professional Insurance, Manicurist Insurance, Barber Insurance, & Hair Stylist Insurance

stratum — Thu, 17 May 2012 16:06:14 +0000

Pennsylvania Beauty Professional Insurance, Manicurist Insurance, Barber Insurance, Cosmetologist Insurance & Hair Stylist Insurance

Stratum Insurance Agency LLC can help Pennsylvania beauty professionals, including barbers, hair stylists, manicurists, masseuses / masseurs, facialists, and more. Quotes are available by phone at949-270-0609 or online at the Beauty Insurance Quote Link.

Beauty professionals often work at multiple locations, which is why the team at Stratum sells different policies, to help find coverages that match the unique needs of different individuals and businesses in over 40 states.

Whether you work at home, work at various locations or ”rent a chair or station” at a salon that is owned or leased by someone else in one of the, below, we can assist. For example, a hair stylist may rent a chair at a local beauty salon that he or she does not own or a masseuse may travel to different locations to see clients. Home-based businesses either that have customers to their homes or travelout are also invited to obtain a quote.

What Pennsylvania professions are eligible (partial list):

Hair Stylists
Barbers
Cosmetologist
Manicurists / Nail Professionals / Pedicurists
Masseuses / Masseurs
Waxing Professional
Facialist
Esthetician
Aesthetician
Waxing Professional
We also sell insurance for many other professions at: www.stratumins.com/business/

Two Types of Insurance are often included in the Quote (options may vary by policy and or location):

General Liability Insurance – to protect against claims from bodily injury or property damage.
Professional Liability Insurance (Errors and Omissions) – to protect you in the event of a claim that arises from a professional service that you perform.

Do I need both types of insurance – E&O and General Liability?

Yes, in most cases. In these professions, the lines of general liability and professional liability (E & O) may be blurred, so it is important to purchase both coverages to protect yourself adequately. As only you know your entire financial and business situation, you should consider the many types of insurance available. Due to the nature of the professions, general liability coverage may not be enough to cover bodily injuries that may occur, thus professional liability (E&O Insurance) is also highly recommended and can be added to most quotes.

What about Pennsylvania Beauty Salon Insurance?

Broad coverage options are available for salons. Beauty salons that perform the services listed above, or offer other treatments for their customers should also request a quote. The business owners package for salons may include general and professional liability, as well as coverage for your equipment, business income, tenant improvements, signage, awnings, and more. E-signatures and payment plans are generally available for these quotes, making it even easier to obtain coverage quickly. Do you accept credit cards or maintain client files? Consider purchasing data breach or cyber liability as well. Do you have employees? Ask about employment practices liability insurance. Request a quote online for beauty salon insurance or talk to one of our team members today.

Other Types of Coverage that may be Available (this is only a partial list, many other options are available):

Business personal property and equipment coverage (for your beauty tools)
Coverage for equipment and tools off the premises
Data Breach Coverage
Non-owned / Hired Autos
Employee Dishonesty Coverage
Money and Securities Coverage
Building Coverage – if you own or are legally responsible for a building

Are quotes available in other states?

Yes! Quotes are available in over 44 states with many types of coverage. Payment plans are available on most quotes, including bill by mail and automatic checking account deduction.

Request an Pennsylvania Insurance Quote

Online: https://www.stratumins.com/business/beauty_insurance.html
949-270-0609 (Any state),

If you own a salon, please use this page: https://www.stratumins.com/business/retail_store_insurance.html

What about my personal insurance?

Our team would love to be your personal insurance agency as well. You can request quotes for many types of personal insurance at http://www.stratumins.com. Quotes are available for homeowners and renters insurance, as well as auto, cycle, and watercraft insurance,

Same Day Quotes are Available in Most States

* Not all products marketed in all states. Coverage options may vary by
location. Stratum Insurance Agency, LLC is an independent insurance agency
and/or broker (varies by location). No insurance is offered or afforded through
this posting.

Maryland Food Truck Insurance, Food Cart Vendor Insurance

stratum — Mon, 14 May 2012 19:02:51 +0000

Maryland Food Trucks and Maryland Food Carts shopping for general liability insurance should contact Stratum Insurance Agency LLC . Stratum Insurance Agency is announcing electronic signatures and applications for Maryland food truck insurance and food cart insurance. Same Day quotes are already available, but this new service will help customers even more (and the environment too). Faster turn around time from quoting to purchasing helps business owners with limited time who want to receive the same service as some of the larger competitors.

Stratum’s goal is to help the mobile food industry with their insurance needs, quickly and efficiently. From hot dog carts, to gourmet shaved ice, to food trucks, the team at Stratum is committed to helping small businesses, whether mobile, office-based or retail-based. Same day quotes are available in over 40 states. We work with different insurance carriers to help you find the type of policy that you are seeking. Stratum’s broad product offerings make it so that different mobile food vendors have a variety of coverage options and limits from which they can choose. Applications can be signed electronically (via e-signature) offering the ability to quote and purchase in the same day.

Commercial Auto Insurance:

Are you using your personal vehicle to haul your food cart or concession trailer? If so, you many not have coverage under a personal auto policy. We have options for clients who use their personal car or truck for business. Options are available for both business and personal use on a commercial auto policy. In some cases, a personal auto policy may be available that also allows for some business usage. Since there are so many variables, just ask the team at Stratum Insurance for more information. Of course, also ask about discounts on your commercial auto insurance for having general liability insurance. The team will work hard to help you find discounts and coverage choices.

A variety of mobile food vendors can be quoted:

Maryland Food Trucks - www.foodtruckinsurance.com
Maryland Catering Trucks - www.catererinsurance.com
Maryland Food Carts - www.foodcartinsurance.com
Maryland Push Carts & Concessionires - www.foodcartinsurance.com
Maryland Mall Kiosks - www.mallkioskinsurance.com
Maryland Bicycle-based Food Vendors Should also use www.foodcartinsurance.com
And More… Specialty Businesses are Welcome

How to Request a Quote:

www.foodcartinsurance.com
www.foodtruckinsurane.com
Other Businesses - www.stratumins.com
By Phone: 949-270-0609 (Our Main Phone Number) or 352-404-4445 (East Coast)

Coverage options and availability vary by location.

Request a quote today from Stratum Insurance Agency LLC and see what it is like to have our team work with you. Great service makes us different. We can help small businesses that are as small as one owner. As you grow, we will build our relationship.

Disclaimers: No coverage is issued through this electronic posting.

*These are generic minimal definitions, please consult your insurance agent and policy documents for more information. Coverages, options, and policy forms may vary by location and carrier.

Nevada Food Trucks and Nevada Food Cart Insurance

stratum — Fri, 11 May 2012 19:08:20 +0000

Nevada Food Trucks and Nevada Food Carts shopping for general liability insurance and commercial auto insurance should contact Stratum Insurance Agency LLC . Stratum Insurance Agency is announcing electronic signatures and applications for Nevada food truck insurance and food cart insurance. Same Day quotes are already available, but this new service will help customers even more (and the environment too). Faster turn around time from quoting to purchasing helps business owners with limited time who want to receive the same service as some of the larger competitors.

A variety of mobile food vendors can be quoted:

Nevada Food Trucks - www.foodtruckinsurance.com
Nevada Catering Trucks - www.catererinsurance.com
Nevada Food Carts - www.foodcartinsurance.com
Nevada Push Carts & Concessionires - www.foodcartinsurance.com
Nevada Mall Kiosks - www.mallkioskinsurance.com
Nevada Bicycle-based Food Vendors Should also use www.foodcartinsurance.com
Nevada Specialty Businesses are Welcome

How to Request a Quote:

www.foodcartinsurance.com
www.foodtruckinsurane.com
Other Businesses - www.stratumins.com
By Phone: 949-270-0609 (Our Main Phone Number) or 702-989-8998 (Nevada)

Coverage options and availability vary by location.

Why work with Stratum Insurance Agency?

Same Day Quotes
Online Service
E-signatures
A large variety of coverage and policy options
A friendly team with a passion for insurance and great service.
Personal and Business Insurance Teams

Disclaimers: No coverage is issued through this electronic posting.

*These are generic minimal definitions, please consult your insurance agent or a licensed insurance professional and policy documents for more information. Coverages, options, and policy forms may vary by location and carrier.

Ohio Educational Therapist Insurance, General Liability, Professional Liability

stratum — Wed, 02 May 2012 13:30:13 +0000

Ohio Educational Therapist Insurance

Stratum Insurance Agency LLC can help Ohio Educational Therapists with insurance as well as over 40 states with general liability insurance, professional liability insurance and more. A variety of counselors, therapists, and other professionals can request quotes here. and Quotes are available by phone at 330-408-1111 or online at the link for Ohio Educational Therapists Insurance. Ohio Tutors are also eligible for quotes, as both home-based and office businesses.

If you have been having trouble finding insurance as an education therapist because you find that people

Two Types of Insurance are often included in the Ohio Educational Therapist Quote (options may vary by policy and or location):

General Liability Insurance – to protect against claims from bodily injury or property damage.
Professional Liability Insurance (Errors and Omissions) – to protect you in the event of a claim that arises from a professional service that you perform.

Policies with just general liability insurance or professional liability are available as well. Additional coverages such as coverage for allegations of abuse and molestation as well as assault and battery coverage may be available on the same quote.

Do I need both types of insurance – Professional Liability (E&O) and General Liability?

Yes, in many cases. In these professions, the lines of general liability and professional liability (E & O) may be blurred, so it is important to purchase both coverages to protect yourself adequately. As only you know your entire financial and business situation, you should consider the many types of insurance available. Due to the nature of the professions, general liability coverage may not be enough to cover bodily injuries that may occur, thus professional liability (E&O Insurance) is also highly recommended and can be added to most quotes.

Other Types of Coverage that may be Available in Ohio (this is only a partial list, many other options are available):

Business personal property and equipment coverage (for your beauty tools)
Coverage for equipment and tools off the premises
Data Breach Coverage
Non-owned / Hired Autos
Employee Dishonesty Coverage
Money and Securities Coverage
Building Coverage – if you own or are legally responsible for a building

Sample claims are available, simply contact us at a method below for more information.

Are quotes available in other states?

Yes! Quotes are available in over 44 states with for many types of coverage. Payment plans are available on most quotes, including bill by mail and automatic checking account deduction.

Request an Ohio Education Therapist Insurance Quote

Online: Educational Therapists Insurance
Online: Tutor Insurance
330-408-1111 (Ohio)
949-270-0609 (Any state)

We also sell insurance for many other professions at: www.stratumins.com/business/

What about my personal insurance in Ohio or other states?

Same Day Quotes are Available in Most States

Colorado Food Truck Insurance – E-Signatures Announced

stratum — Thu, 19 Apr 2012 18:35:34 +0000

Colorado Food Trucks and Colorado Food Carts shopping for general liability insurance should contact Stratum Insurance Agency LLC . Stratum Insurance Agency is announcing electronic signatures and applications for Colorado food truck insurance and food cart insurance. Same Day quotes are already available, but this new service will help customers even more (and the environment too). Faster turn around time from quoting to purchasing helps business owners with limited time who want to receive the same service as some of the larger competitors.

A variety of mobile food vendors can be quoted:

Colorado Food Trucks - www.foodtruckinsurance.com
Colorado Catering Trucks - www.catererinsurance.com
Colorado Food Carts - www.foodcartinsurance.com
Colorado Push Carts & Concessionires - www.foodcartinsurance.com
Colorado Mall Kiosks - www.mallkioskinsurance.com
Colorado Bicycle-based Food Vendors Should also use www.foodcartinsurance.com
Colorado And More… Specialty Businesses are Welcome

How to Request a Quote:

www.foodcartinsurance.com
www.foodtruckinsurane.com
Other Businesses - www.stratumins.com
By Phone: 949-270-0609 (Our Main Phone Number) or 352-404-4445 (East Coast)

Coverage options and availability vary by location.

Why work with Stratum Insurance Agency?

Same Day Quotes
Online Service
E-signatures
A large variety of coverage and policy options
A friendly team with a passion for insurance and great service.
Personal and Business Insurance Teams

Disclaimers: No coverage is issued through this electronic posting.

Illinois Notary Insurance, Notary Signing Agency Insurance

stratum — Tue, 17 Apr 2012 23:20:12 +0000

Illinois Notary Signing Service Insurance is available from Stratum Insurance Agency in over 40 states, with options for errors and omissions insurance, general liability insurance, and more. Limits as low as $100,000 and as high as $50,000,000 are can be selected. Common E&O insurance limits include $250,000, $500,000, $1,000,000 and more. Notaries are now seeing themselves in need of more errors and omissions insurance not only to protect themselves, but also to work with certain lenders, escrow companies, and institutions.

When shopping for Illinois notary signing services errors and omissions, make sure that your quote allows for you to have independent contractors working with you, as some policies only allow for you to have independent contractors that work exclusively for you. Stratum Insurance Agency has options for both types of policies. If you are seeking home-based business insurance, Stratum Insurance Agency can also help, but keep in mind that these policies often have limitations as to the number of people working in the business, whether owners, independent contractors, or employees. Contact Stratum for more information.

Individual Illinois notaries are also invited to obtain a quote, with E&O insurance limits as low as $5,000 and up to $50,000,000.

Other options available for Illinois Notaries seeking insurance:

General Liability Insurance – different liability limits are available
Errors and Omissions Insurance
Commercial Auto Insurance
Business Personal Property – to protect your equipment
Business Income and/or Extra Expense Coverage
Damage to Premises Rented to You
More optional coverages are available – if you a see a risk in your business that concerns you, please let us know.

Why consider a business owners policy along with professional liability insurance for a notary signing service? Take a look at some of the additional coverage options that can be added to a business owners policy, along with general liability insurance.

Employee Theft - Employee theft represents a significant exposure. Client files and other legal documents often contain sensitive, secret and valuable information that may be misused by employees.
Documents may be lost – ask about coverage for “Personal Property of Others” which can apply while a client’s physical documents are in your care, custody, or control.
Data Breach Coverage – Valuable data may be stolen and simply the cost of notification can hurt a business to the point of putting it out of business.

Identity Theft coverage is often include on a business owners policy. Review your quote in detail for more information.

Notary Bonds Only are also available.

How to obtain a quote for Illinois Notary Insurance (available in over 40 states):

Illinois Notary Signing Service: https://www.stratumins.com/business/notary_insurance.html
Individual Notary: https://www.stratumins.com/business/notary_insurance.html
By Phone: 949-270-0609
Notary Bonds Only Click Here

Swim School Insurance from www.swimschoolinsurance.com

stratum — Wed, 11 Apr 2012 01:51:29 +0000

Swim School Insurance, Swim Instructor Insurance

Swim Schools for both children and adults need a combination of insurances to help protect their businesses. Stratum Insurance Agency LLC can help Educational Therapists with insurance in over 40 states. A variety of sports instructors, including tennis, baseball, swim, and more can request quotes through Stratum Insurance Agency LLC. and Quotes are available by phone at 949-270-0609 or online at the link for swim school insurance.

Common Types of Insurance for swim schools and other sports instructors (options may vary by policy and or location):

General Liability Insurance – to protect against claims from bodily injury or property damage.
Professional Liability Insurance

Youth Sports Business Owners may notice that coverage for charges of abuse and molestation can be included on a quote. The youth sports insurance requires that you teach swim to children 17 and younger. Other options are available for swim schools that teach adults.

Individuals versus Businesses and Insurance for Sports Instructors

Before buying a policy, make sure that you are buying the appropriate type of insurance policy based on your . You may see low-cost policies for individuals available online, but many of these have restrictions as to the services that you may provide. Also, if you run a business with employees or independent contractors, the individual swim instructor is not appropriate, especially as most do not allow for you to have employees. When requesting a quote at www.swimschoolinsurance.com, let us know about the structure of your swim school. We have options for independent contractors, swim academies, and other business types.

Policies with just general liability insurance or professional liability are available as well.

Other Types of Coverage that may be Available (this is only a partial list, many other options are available):

Professional Liability Insurance
Business personal property and equipment coverage
Coverage for equipment and tools off the premises
Data Breach Coverage
Non-owned / Hired Autos
Employee Dishonesty Coverage
Money and Securities Coverage
Building Coverage – if you own or are legally responsible for a building

Are quotes available in other states?

Yes! Quotes are available in over 44 states with for many types of coverage. Payment plans are available on most quotes, including bill by mail and automatic checking account deduction.

Request an Insurance Quote

Online: Swim School Insurance
Online: Youth Sports Insurance
949-270-0609 (Any state),

We also sell insurance for many other professions at: www.stratumins.com/business/

What about my personal insurance?

Same Day Quotes are Available in Most States

Educational Therapist Insurance

stratum — Thu, 05 Apr 2012 00:59:24 +0000

Educational Therapist Insurance

Stratum Insurance Agency LLC can help Educational Therapists with insurance in over 40 states. A variety of counselors, therapists, and other professionals can request quotes here. and Quotes are available by phone at 949-270-0609 or online at the link for Educational Therapists Insurance. Tutors are also eligible for quotes, as both home-based and office businesses.

If you have been having trouble finding insurance as an education therapist because you find that people

Two Types of Insurance are often included in the Quote (options may vary by policy and or location):

General Liability Insurance – to protect against claims from bodily injury or property damage.
Professional Liability Insurance (Errors and Omissions) – to protect you in the event of a claim that arises from a professional service that you perform.

Policies with just general liability insurance or professional liability are available as well.

Do I need both types of insurance – E&O and General Liability?

Other Types of Coverage that may be Available (this is only a partial list, many other options are available):

Business personal property and equipment coverage (for your beauty tools)
Coverage for equipment and tools off the premises
Data Breach Coverage
Non-owned / Hired Autos
Employee Dishonesty Coverage
Money and Securities Coverage
Building Coverage – if you own or are legally responsible for a building

Are quotes available in other states?

Yes! Quotes are available in over 44 states with for many types of coverage. Payment plans are available on most quotes, including bill by mail and automatic checking account deduction.

Request an Insurance Quote

Online: Educational Therapists Insurance
Online: Tutor Insurance
949-270-0609 (Any state),

We also sell insurance for many other professions at: www.stratumins.com/business/

What about my personal insurance?

Same Day Quotes are Available in Most States

Pet Insurance New Online Quote Site

stratum — Thu, 29 Mar 2012 23:36:11 +0000

The new pet insurance online quoting site is now available at: http://www.stratumins.com/petinsurance/

Use the site for online quotes, information, and applications.

FR44insurance.com announes E-signatures for FR44 Insurance Applications and SR22 Insurance Applications

stratum — Tue, 27 Mar 2012 23:06:39 +0000

FR44 Insurance Quotes and SR22 Insurance Quotes are available quickly and easily by submitting a request at www.fr44insurance.com or by calling 352-404-4445 (Florida) or 949-270-0609 (all other states).

Electronic signatures are already available from Stratum Insurance Agency LLC, an agency here to help drivers needing SR22 and FR44 Filings, but we have new features in 2012 now available. This great service is available in most states around the country. Completing the process quickly through new technology is just another way that Stratum Insurance Agency LLC is leading the way as a modern insurance agency. Clients can access their electronic signature forms via a mobile device such as an iPad or Android tablet as well. Florida and Virginia Drivers needing FR44s can now complete and insurance purchase without printing and faxing — helping to reduce paper consumption too.

Information on Florida and Virginia FR44 Filings and SR22 Filings

Insurance with an FR44 or SR22 is something that is general required for drivers with a:

Driving Under the Influence (DUI) ,
Driving While Intoxicated (DWI), or
Operating Vehicle While Intoxicated (OVWI).

In some other cases, either an FR44 may be required. An FR44 in Florida or an FR44 in Virginia is generally required of drivers who have these violations in those states. Fortunately, we can help clients whether or not you live in these states. If you receive one of these violations in any of 35 states, we can help with your SR22 filings and FR44 Filings.

In other states, and SR22 filing is generally required of drivers with a DUI or similar violations, or in some cases, a ticket for driving without insurance.

What makes us different? We are an insurance agency! As an independent insurance agency, we work with many top-rated insurance carriers to help you find a great combination of price and coverage for your needs. We are an agency that works for you and does NOT sell your information to other agents, like so many websites do. We are Stratum Insurance Agency LLC, and our team wants to help you find great insurance at a great price.

What is an FR44?

This is a common question. Use our informative link to find out more about FR44 Filings and SR22 Filings.

Use our resources section to learn more about insurance in general: http://www.stratumins.com/resources/

Request a quote:

FR44 Insurance Quote Online: www.fr44insurance.com
SR22 Insurance Quote: www.stratumins.com/dui/
By Phone: Florida 352-404-4445 or any other State at 949-270-0609

Useful Insurance Links for SR22 Filings, FR44 Filings, and auto insurance:

The terms “sr22 insurance” and “fr44 insurance”, much like “dui insurance”, are used by the general public, but are not official types of insurance. Our agency helps with auto insurance for people who have a DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the insurance policy. When you contact us, we can help explain in better detail what these terms mean.