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Monday, March 27, 2017

Your first DUI and an SR22

When you are charged with a DUI or DWI, you are often told that you need an SR-22 filing. This is a document that is filed with the DMV, or similar organization in your state, to confirm that you have purchased the minimum amount of coverage required by the state. You may find that many of the companies with which you are familiar do not provide these filings with your auto insurance, but fortunately we can help. Call our new hotline to be connected with a local agent who can help you with this type of situation.  Even if you don't own a car, you are still eligible for a quote.

How to get a quote for an SR22:

- Call 844-424-7722 (844-424-SR22)
- Go to the online link for a quote:

Monday, March 6, 2017

Somatic Sex Therapist and Intimacy Counselor Insurance

General and Professional Liability Insurance

Like other counseling businesses, somatic sex therapists and intimacy counselors need insurance.  While it is most common to see a counselor or therapist purchase general and
professional liability insurance, other coverage lines are available.  Consider just a few options shown below:

  • data breach and privacy liability
  • workers compensation insurance
  • property or equipment coverage

We invite any type of counselor or therapist to get a quote today at the link below.

How to get a quote online:

Tuesday, February 28, 2017

Renters Insurance - Plan before you move.

Renters Need Insurance

Renter's insurance is one of the more overlooked insurance. Some people feel that because they do not own a house or a condo that they do not need renters insurance because they do not need to cover the structure where they live. Renter's insurance provides coverage for your contents and personal belongings. It also provides liability coverage in the event that someone comes to your place and sustains an accidental injury.
You might think that it will never happen to you, but it only takes one bad situation to
ruin your life. Much like people think that they will never have a fire at their apartment or that they will never get robbed because they live in a safe neighborhood, there are so many unexpected things that could go wrong.
Do you have a dog? You need personal liability insurance to protect you in case you are sued for an animal bite. Remember, even chihuahuas can bite somebody.
We make it easy to purchase renter's insurance through our quoting hotline, you can call seven days a week to get a quote and buy renters insurance.
How to get a quote for renters insurance:
Plan ahead of time and call before you move into your new apartment or home, don't wait until after you've moved in. Schedule at your renter's insurance to start on the date of your move in which also give you time to provide proof of coverage to your new landlord.
Proof of insurance can easily by faxed to your landlord.
Whether you rent a home, condo, or apartment, we can help.
Note: Quotes are not available in Florida, New Jersey, or New York for renters insurance.

Wednesday, January 11, 2017

Insurance for Property Preservationists

Do you have a vendor asking you for insurance as a property preservation professional?

You're likely finding that you are being asked to provide both general liability and professional liability on a Certificate of Insurance. You have choices for this type of insurance, especially when you contact Stratum Insurance Agency. We are one of the only agencies to offer the two-year property preservation professional liability insurance policy. With the two-year term, you can lock in your rate and shoes from any easier payment plan.

For general liability, we have a policy that can offer you additional coverage options as well, including lost key coverage, and a property damage extension. If you are not familiar with the property damage extension, ask a member of our team when contacting us for a quote.

We make the entire process of getting a quote for your property preservation or mortgage field inspecting business very easy to our modern online insurance application.

How do I get a quote for property preservation general and professional liability?

Click here to get a quote online for insurance as a property preservation in store mortgage field inspector:

Tuesday, January 3, 2017

Snow Mobile Insurance and Snow Machine Insurance Coverage

Snowmobile Insurance and Snow Machine Insurance

Snowmobile insurance,  which is sometimes referred to as snow machine insurance, is similar to motorcycle insurance in certain respects. Naturally, since a snowmobile is primarily used off road, there will be different coverage rules that may apply. There are several basic coverages that you should consider for your snowmobile, whether they are required by law in your state or not. 
Monica motorcycle, liability insurance if the first coverage that you should consider, in the event that you cause bodily injury or property damage to a third party. Medical payments coverage is also available,  as well as uninsured motorist coverage. If you ever take a passenger with you, it may give you additional encouragement to purchase high limits of liability.
How to get a quote for Snowmobile Insurance:

Sunday, December 25, 2016

Happy Holidays

We wish you and your family a wonderful holiday season.

Disc Jockey Insurance for New Years

Do you need insurance for your destruction business for a New Year's party? It's not too late to purchase liability insurance and get proof in the form of a certificate of Insurance to give to the landlord or the organizer of the event.
You can buy insurance online at

Tuesday, December 20, 2016

Holiday DUI or DWI

Insurance with a DUI or DWI

Did you receive a ticket for driving under the influence or driving while intoxicated over the holiday weekend? Along with contacting an attorney, you want to contact Stratum Insurance Agency immediately to discuss your insurance needs. It is important to address the potential implications of this type of ticket or violation on your insurance. Our team can work quickly to help you obtain the SR 22 filing but is required for people with DUI's in almost every state than the country. Even if you live in a state that does not require and SR 22 or FR 44 filing, you want to act quickly to make sure that your insurance is in order and that you have insurance that allows for you to have one of these violations on your driving record.

Contact us today at

Sunday, December 18, 2016

Thrift Store Insurance with Products Liability

Not all thrift shop insurance is created equal
How well do you know your thrift store insurance? Do you know what products are excluded from coverage? Do you have any products liability coverage at all?
Let us help you with your thrift store insurance quote. 
We have options with products liability at

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