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Wednesday, November 16, 2016

Walls In Insurance - Call for a Quote

Walls In Insurance is a name commonly used for condo unit owners insurance.  Other names include walls in coverage and h06 insurance.
 As the popularity of condominiums grows, Stratum Insurance Agency is working to make it easier to get quotes for this type of insurance.  Many condo owners find that insurance for their condos, townhouses, and row houses is difficult to find.
We have introduced a new website and hotline to obtain quotes for condo unit owners insurance.
The new Condo Insurance Website is:
To request a real time quote by phone, please call:  


  • Real time quotes are available in all states except Florida and New York.  
  • Condo landlords can obtain quotes in all states except California on the hotline.  For California condo insurance for rental units, please use

Monday, October 17, 2016

Certificate of Insurance for Food Carts and Vendors

Why do food carts need certificates of insurance?  This is a common question.

Food carts are often required to obtain certificates of insurance to give either the landlords of the location at which they are working or the venues where they will be serving their food. Not only do the landlords request a certificate of insurance, but they usually ask to be added as an additional insured on the policy. This is very common, so make sure that you see a copy of the contract and the certsrequirements of the venue or event where you will be operating your business so that you know if your insurance will meet the requirements. 

Monday, October 10, 2016

Escape Room Insurance

Have you been trapped trying to find insurance for your escape room business? Escape rooms are quite popular now, which new locations appearing around the country.

We have help with general liability for escape rooms.  You can request a quote for several lines of coverage:

  • general liability for escape rooms
  • accident medical for participants
  • property insurance

Monday, October 3, 2016

Buy Food Vendor Insurance Online

Buy Food Cart and Food Vendor Insurance Online

The new site makes iteasy to buy liability insurance online as a mobile food cart, food vendor, or kiosk.  Pop Up Stand vendors that work at
swap meets and fairs are also invited to obtain a quote.

How long does it take to get proof of insurance or a certificate of insurance?

When you use the online purchase option, you can instantly obtain a certificate of insurance after your payment.  You can add a landlord or venue as an additional insured online at the time of purchase AND in the future, as long as your policy is active.

Can other types of vendors buy insurance online?  YES!

  • Food Carts
  • Mall Kiosks
  • Hot dog Cards

Tuesday, July 12, 2016

Insurance for Your First Home or Condo

First Time Home Buyer Insurance

If you're purchasing your first home you probably have a long checklist of things that you need to do. Insurance is one of those important things that many people do not look into until the last minute. 

The team at Stratum Insurance Agency  has helped many first time home buyers with their insurance. Your home is likely the biggest asset in your life, therefore you do not want to simply look for the lowest price to protect your biggest investment. There are a large selection of coverage options available for home. Our team can customize a policy to meet your needs. 

Think about how home are different from each other:

  • some have detached garages,
  • some have pools, 
  • some have fences around there property. 
It is important to understand how each of these things if covered, among the many other variables that can apply to your home.

How to get a quote for homeowners or condo insurance:

Get your quote at

get a quote

Monday, April 18, 2016

Aroma Therapist Insurance

General Liability Insurance for an Aroma therapist.

Liability insurance can protect you from claims from clients for accidental injury.
Click here to learn more about aromatherapist insurance and to buy online.

hanks to our new easy-to-use aroma therapist online purchase site, you can buy insurance for your business businesses an individual masseuse masseur with ease.

Wednesday, December 9, 2015

Purchase Dance School Insurance Online

New Updates for Dance School Insurance

The updates make it even easier to purchase insurance for your dance school.  

Whether you teach tap, ballet, tango, ballroom, or the waltz, you can purchase the following coverage

  • General Liability
  • Accident Medical
  • Equipment Coverage
  • Business Income Coverage

How long does it take to get a certificate of insurance for a landlord?

The certificate is emailed to you after you make your first payment for insurance.   It's that easy.  You can provide your landlord's name and address to create a certificate for them.

How to quote and buy insurance online: Click here -

Tuesday, October 6, 2015

What is an SR22 and SR22 Insurance

What is SR22 insurance and a filing?

What is "SR 22 Insurance" and an SR22 Filing.
An sr22 is a financial responsibility filing for certification that is often required by the state when someone has one of the following offensives on his or her driving record.: driving under the influence, driving while intoxicated, or operating a vehicle while intoxicated. Some states have different names for these violations.
Tip: SR22 insurance is just an expression, it's not a type of insurance.

See more...

Learn more in this article:  What is SR22 Insurance?

Tuesday, September 1, 2015

Landscape Architect Insurance

Our easy landscape architect insurance application is now available.  The easy form is only 1 page.

We can help by comparing different carriers and options for insurance coverage for:

  • Professional Liability
  • General Liability
  • Workers Compensation
  • Data Breach Insurance
  • Commercial Auto Insurance

From a single professional to a firm with multiple employees, we can help.

How to get a quote:

Dedicated to small business, Stratum Insurance Agency LLC makes it easy to get a quote.

Monday, August 10, 2015

Therapist Insurance - Counselor Insurance

Insurance for Counselors and Therapists

The business of counseling and helping others comes with great risks.  Whether it is the chance of a slip and fall claim, a client claiming that your guidance resulted in a financial loss, or even a claim for abuse, there are numerous
 risks associated with this profession.

Stratum Insurance Agency LLC can help with policies that offer:
  • General Liability
  • Professional Liability (e and o)
  • Abuse and Molestation Coverage
  • Property coverage – for office equipment or buildings
  • Commercial Auto – for your vehicles used in the course of your business
  • Workers Compensation
Most quotes for professions in this category are available quickly, while some more complex operations may require several days to quote.

Here is a partial lists of the types of counselors that we can help with insurance (you can start your quote below):

  • career coach
  • job counselour
  • dietitian
  • lactation consultant
  • life coach
  • marriage and family therapist
  • education consultant
  • horticultural therapist
  • animal therapist
  • music therapist
  • art therapist
  • senior counselor
  • and more.

Sunday, August 2, 2015

Weekend Training Camp Insurance

Camps and Conferences can now purchase insurance online

There is inherent risk in having a camp of conference, even if it's only for a few days. You have the classic slip and fall claim to consider, but that's just a starting point when thinking about risk. An attendee at the event can be injured, resulting in a potentially massive lawsuit.

Quote and buy online

Thursday, July 30, 2015

Ecig Store Insurance and Vaping Store Insurance

Does an e-cig store need more than general liability insurance? The answer is yes.

What about insurance for your property at the store?

There are many types of insurance the developing store e-cigarette store should consider purchasing. While the majority of people contact us for general liability insurance for products liability insurance, you have other things in your business but you need to protect similar to other stores. A good example is property insurance.

Remember that property does not only refer to real property, meaning buildings, but also to your inventory, potential lost business income, or even tenant improvements. Property is a part of an insurance policy that may be optional, and that you can use to protect many different items. Business personal property is the part of a property insurance policy that can provide protection for your inventory, furniture, computers, and other items that you may on at your store. it can help protect you from several key risks. 

Common examples include fire, wind damage, smoke damage, and vandalism.
One item worth noting is that many property policies exclude theft coverage if you do not have an active central station burglar alarm system.

quote vaping store insurance

Friday, July 24, 2015

Last Minute Disc Jockey Insurance, Performer Insurance

Do you need a performer or discjockey insurance (liability insurance) for this weekend?  It's not too late to get something for the weekend at

Consider purchasing an annual policy, so that you do not need to purchase multiple single event policies.  If you choose the annual option, you can write "multiple events" in the description of events box on the questionnaire so that you can make the purchase online.
You can click, quote, and buy online.  Instant certificates of insurance available after purchase.

Are you looking for insurance for another business that you can buy online?
Click over to (that's write, it's dot agency)

Tuesday, July 21, 2015

Your plates/tags/license can be suspended on your low speed vehicle due to having the incorrect insurance

Your plates/tags/license can be suspended on your low speed vehicle due to having the incorrect insurance

In Florida, for example, low speed vehicles are generally required to purchase PIP (personal injury protection).  We have heard that people are buying motorcycle-type policies, which do not offer PIP  
coverage.  Therefore, you need to make sure that you are working with an agent, like Stratum Insurance Agency, that can help you obtain PIP coverage on your low speed vehicle or neighborhood electric vehicle.
Traditional golf carts, that have maximum speed limits of 19 mph can have different requirements, but if you have an LSV (top speed 25 mph), you likely need PIP coverage to register the vehicle.
Different states have different rules regarding coverage.  When you request a quote, a member of our team can review the coverage options with you.  We can hep with LSV insurance and golf cart insurance across the country.  To get a quote click the button below.

get quote

Tuesday, July 14, 2015

High School Dance Insurance

Now Eligible for online Quoting and Purchase - High School Dance and Prom Insurance

Planning for a high school dance?  Don't forget the insurance.  Whether it's the prom or winter formal, you may need insurance for the venue or simply because you want the protection for your event.

Learn more when you get a quote and purchase online.

Tuesday, June 30, 2015

BBQ Safety Tips for Summer

Summers mean backyard grilling – safely!
Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.
Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.
There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The Safety is a priority when cooking or grilling.
tips below can help ensure you cook only your burgers — and not your house — the next time you fire up the grill.

  • Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, etc.).
  • NEVER use a grill indoors. Odorless carbon monoxide fumes could kill you.
  • Keep your grill clean and well-maintained. Check parts regularly to determine if replacements are needed.
  • Never leave a hot grill unattended or let children play near it.
  • Do not add lighter fluid directly to hot coals. The flame could travel up the stream of fluid and burn you.
  • Never use gasoline or kerosene to light a charcoal fire.
  • Use flame-retardant mitts and long-handled barbecue tongs, as coals can reach up to 1,000 degrees.
  • To dispose of coals, allow the ashes to cool for at least 48 hours before disposal in a non-combustible container. If you cannot wait 48 hours, carefully place coals individually in a can of sand or bucket of water.
From the National Fire Protection Association
  • Check your grill’s hoses for leaks before using it for the first time each year. Apply a light soap and water solution to the hose. A propane leak will release bubbles. If you have a leak, and it will not stop after the grill and gas is turned off, call the fire department. If the leak stops when the grill and gas are turned off, have your grill serviced by a professional.
  • If you smell gas while cooking, immediately get away from the grill and call the fire department. Do not move the grill.
  • Do not keep a filled propane tank in a hot car or trunk. When getting containers refilled, make that your last stop before going home.
  • Store propane tanks in an upright position, and never indoors.
The Team at Stratum Insurance Agency wants you to have a fun-filled and safe summer.

Tuesday, June 23, 2015

Tiny House Insurance

The tiny house insurance movement is growing.  Perhaps, it is because the cost of housing is rising or perhaps it is because people are seeking a simpler lifestyle.

As a leading agency in manufactured home insurance, Stratum Insurance Agency is excited to announce that we can help with tiny house insurance.

What is a tiny house?

A tiny house is typically a manufactured home that is under 400 feet and in some cases only 100 feet. They come in many sizes and cater to a simpler life style.

Both types of tiny homes can request a quote:

  • homes on wheels, such as a Tumbleweed Home
  • homes on a slab or foundation

Same day quotes are available in most locations across the country.

 Tiny House Insurance Quote

Thursday, June 11, 2015

Synagogue Insurance and Church Insurance

Insurance for Houses of Worship

The new link for online quoting of #Synagogue Insurance and #Church Insurance is available.

On the quoting site you can choose from:

- general liability + pastoral professional liability        
- commercial property insurance
- directors and officers insurance (for the board members)

Start Your Quote Choose from an option below:  

  • Synagogue Insurance :
  • Church Insurance:

You can speak with a member of our team at 949-270-0609.

Wednesday, June 10, 2015

Vaping Lounge Insurance

Insurance for Vaping Lounges and Cigar Lounges

You can now request a quote for your e-cigarette vaping lounge, cigar lounge, or hookah bar online.  With several coverage options available, you can start the process by telling

us what coverage needs you have. If you also serve food or alcohol, we can help find a policy that allows for these extra services. 

You can choose:
  • general liability
  • property coverage
  • business income coverage
  • and more.

If you would like to speak to someone, call us at 949-270-0609 extension 1007.


Tuesday, June 9, 2015

Manufactured Home and Park Model Home Insurance

Park Model Home Insurance and Manufactured Home Insurance

Manufactured homes are quite popular for retirement, secondary homes, and those who may enjoy living in a smaller and easier-to-maintain space. Many manufactured home parks offer amenities for the residents.  Of course, some people have enough additions to make it bigger than a traditional site built home.  Don’t worry, we can help,
Manufactured Home Insuranceeven if you have a 2 story home with a sun room and deck.
At Stratum Insurance Agency, we have been helping residents of manufactured homes for many years, whether in a park model home or a double wide with second story add on.
We help individuals and families find more than just the basic coverage that too many people have for their manufactured homes. We have many options that help park model and manufactured home owners can add. Several optional coverages are:
— Golf Cart coverage
— Personal Watercraft (jetski/seadoo) coverage
— water backup of sewers or drains
— ID Theft
— Landlord coverage for owners who rent out the homes
— Ask about our new
Our clients also experience the Stratum Specialty Service
– SERVICE: we know our customers by name, not as a policy number
– STATES: we can help you across the country, even if you live in one state and have property, cars, or a business in another state
– STABILITY: in business for more than 11 years, our team will help you as your needs change

Monday, June 8, 2015

How to Buy Disc Jockey Insurance Online

Disc Jockey Insurance - instant certificates of insurance with purchase

DJs and KJs often need insurance to perform at a local venue.  For example, if you are DJ'ing a wedding, you may need a certificate of insurance to show the hotel that you have coverage.  

You should also purchase insurance to protect yourself and your business,

Why does a Disc Jockey Need Insurance?

Think about the potential claims:
  • a visitor at the event trips and falls over one of your cables
  • you knock over your turntable stand and injure someone
These are just 2 basic claims.  There are many other potential problems that could result in a general liability claim.

Options for Disc Jockey Insurance

Thursday, June 4, 2015

Buy Barber Insurance Online

Insurance for Barbers and Beauty Professionals

Are you looking for insurance as a barber or stylist?  Do you rent a station and your landlord is requiring insurance?
A new online link to quote and buy individual barber insurance is now available.
  • 3 free additional insureds (such as your landlord)
  • instant certificate of insurance (proof of insurance)
  • easy quote and buy online system
  • students are eligible

Wednesday, June 3, 2015

Notary General Liability – Buy Online

Individual Notary General Liability with E & O

Are you a notary public looking for general liability, possibly to meet a contract requirement?  Use out new easy online purchase option at
Real time purchase and proof of insurance is available for notaries as well as hundreds of home based businesses.  General liability is a key type of insurance that every
notary e and o insurance
business should purchase. To qualify for a home-based business policy, you cannot own, lease, or rent an office for your business.  It is intended for people who have a home office or
The real-time quotes are for home-based business owners policies, which offer you general liability and coverage for equipment, such as computers or home-office furniture.  Learn more when requesting a quote at 
  • Notaries are also eligible for $25,000 of errors and omissions insurance, included in the quote
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What if a notary needs errors and omissions insurance with limits of $500,000 or $1,000,000?