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Thursday, December 30, 2010

Social Services Insurance and Not Profit Insurance

Stratum Insurance Agency LLC sells insurance for social services and non-profits in over 30 states.  These organizations often have special needs and special coverage options available to them.  Stratum Insurance Agency works with carriers that offer a wide variety of coverage options and limits with the social services industries in mind.  It is important to work with an agency that has carriers that target these industries. 

Along with insurance options, clients also have access to loss control services.  While these vary by carrier, they provide a valuable resource to help both non-profits, for profits, and other social services to protect themselves.  Many clients have access to a loss control hotline, so that they can speak with a consultant. 

Sample claims lists are available on the site as well.

Why Choose Stratum Insurance Agency as your agent?
  • We work to find the right insurance product based on the industry.
  • Broad coverage options and endorsements are available.
  • Fundraiser coverage is available on most policies.

The following is a partial list of the classes of business that Stratum Insurance Agency, LLC sells insurance:

  • Affordable Housing
  • Alcohol/Drug Counseling
  • Associations for Retarded Citizens (ARCs)
  • Battered Victims Shelters
  • Behavioral Treatment
  • Blind/Visually Impaired Services 
  • Boys & Girls Clubs 
  • Business & Citizenship Programs 
  • Camps
  • Career & Vocational Counseling 
  • Charitable Organizations Fundraising Organizations
  • Child & Family Services 
  • Child Abuse Information & Treatment 
  • Community & Business Advocacy 
  • Community Action Centers (CACs) 
  • Community Centers 
  • Community Coalitions 
  • Community Improvement 
  • Congregate Meals 
  • Counseling & Treatment Centers (Post Detox) 
  • Counseling Programs 
  • Crisis Centers 
  • Deaf/Hearing Impaired Services 
  • Disability Services 
  • Divorce Counseling 
  • Drug Abuse & Addiction Information 
  • Emergency Shelters 
  • Employee Training Services 
  • Ethnic/Immigrant Services 
  • Family Counseling 
  • Food Banks 
  • Food Distribution 
  • Food Pantries 
  • Funding Organizations 
  • General Family Services 
  • Goodwill Stores 
  • Grant Making Organizations 
  • Grief Counseling 
  • Group Homes 
  • Group Residential 
  • Halfway Homes 
  • Homeless Shelters 
  • Housing Support – Senior Citizens 
  • Housing for Retired Clergy 
  • Human Service Organizations 
  • Low Income Housing 
  • MRDD Rehabilitation Services 
  • Marriage & Family Counseling 
  • Mental Health Services 
  • Neighborhood Multi Service Centers 
  • Nutrition Programs 
  • Orphanages 
  • Outreach Programs 
  • Pastoral Counseling 
  • Private Foundations 
  • Professional Societies, Associations 
  • Rape Counseling Services 
  • Refugees & Settlement Services 
  • Rescue Missions 
  • Second-Hand/Thrift Stores 
  • Self-Help for Addicts 
  • Senior Centers
  • Senior Independent Living 
  • Service Leagues 
  • Settlement Housing 
  • Single Parent Agencies / Services 
  • Smoker’s Information & Treatment 
  • Social Service Organizations 
  • Soup Kitchens 
  • Stress Management 
  • Subsidized Housing 
  • Support Groups 
  • Supportive Housing 
  • Temporary Housing
  • Temporary Relief Services
  • Transitional Housing
  • United Fund Councils
  • United Way
  • Urban Leagues
  • Women’s Crisis Services
  • Women’s Shelters
  • YMCAs/YWCAs, YMHAs/ YWHAs
  • Youth Centers
  • Youth Clubs
  • Youth Counseling
  • Youth Development Programs 
Request a Quote for Insurance Easily: 

Options, carriers, and coverages by state.

Wednesday, December 15, 2010

LSV Insurance - Low Speed Vehicle Insurance - Club Car, Stealth, Star Electric, Fairplay, HDK, Kandi Coco

LSV Insurance:  Low Speed Vehicle Insurance and Neighborhood Electric Vehicle Insurance

Quotes by Phone in over 30 states: 949-270-0609


LSV insurance and NEV insurance is often different than golf cart insurance, which is often written with only offroad usage in mind. It is important to buy insurance that specifically allows for LSVs and NEVs that are used on the street, known as street-legal.  We work with insurance carriers that allow for street legal golf cart and LSV usage.


By working with multiple insurance carriers, Stratum Insurance Agency able to compare the rates of several different providers to help find the balance of price and coverage that a client is seeking. Golf Cart Insurance, LSV Insurance, or NEV Insurance is mandatory in some states, especially when being used on public roads. With gas prices constantly changing, golf carts and LSVs (low speed vehicles) are becoming increasingly popular.


We can help with both street legal Golf Cart Insurance and LSV Insurance for a full range of coverages to protect both the golf cart itself and the potential liability could arise from a claim.


We can help with insurance for different types of LSVs and Golf Carts:

  • Star Electric Vehicles
  • HDK
  • GEM Cars
  • Ford Think
  • Stealth Patriot Insurance, Stealth Predator, Stealth Apache XR
  • Tomberlin
  • Fairplay
  • Club Car
  • Kandi Coco
  • And more!




In some cases and LSV is also referred to as an NEV or neighborhood electric vehicles. Please use the information below to obtain a quote.


Get a Golf Cart, NEV, and LSV Insurance Quotes easily here.



Contact by phone:
  • 949-270-0609 (quotes in over 30 states)
  • 352-404-4445 (Florida LSV Insurance Quotes)




Available in over 30 states








*Not all products available in all states, refer to policy form for details and exclusions. This is not an offer of insurance. No insurance or coverage is afforded by this document.

Monday, December 13, 2010

Home Staging Insurance - Professional Liability (E&O), General Liability, EPLI, Workers Comp

Home Staging Insurance - Professional Liability (E&O), General Liability, EPLI, Workers Comp

Contact: Stratum Insurance Agency, LLC - (949) 270-0609

Home Staging Insurance policies may contain several lines of coverage to protect the professional providing the service.   These may include general liability insurance, professional liability insurance (E&O), and workers compensation (amongst other policy offerings).  Individuals and businesses that stage homes generally provide a service where they make a home more attractive when it is up for sale.  This has become a very valuable part of the home selling process, as people try to make their homes stand out from the others by showing the usability of the space.  Those who stage the homes may also be interior designers.  Home Staging professionals looking for insurance can now easily request a quote online. Like other businesses that provide a professional service, it is crucial to purchase professional liability insurance as well as commercial general liability insurance. Too often professionals lack the coverage needed to protect them in the event of a claim that arises from a service, financial loss by a third party, or error or omission.

Stratum Insurance Agency is able to provide quotes for home staging insurance either over the phone or by email through a simple quote request.  A great additional coverage available for both home staging professionals and interior designers is coverage for your business personal property (such as furniture) that is away from your premises or at another location.  Many policies only provide coverage for your items while they are at a location listed on your policy, and this puts your items at greater risk.  The business owners policy for home staging and interior design offers a variety of great coverages that go far beyond basic general liability.



Potential Home Staging Claims (this is a very small partial list)
  • Failure to complete a project on time
  • A claim that a property did not sell in a timely fashion due to poor staging
  • Placing an item in a location that results in bodily injury
  • Recommending a supplier that fails to deliver
  • Loss of your own property due to a fire
  • Many other possibilities
Sample claims information is available on the quoting site.

What if you have employees?


Businesses that have employees are generally required to purchase workers compensation insurance as well (rules vary by location). Employment Practice Liability Insurance (EPLI) is recommended to protect against claims from employees, volunteers, or even those who are merely interviewed by you (amongst others). EPLI policies provide a missing piece of the insurance puzzle that is often overlooked. At Stratum Insurance Agency LLC, the team can quote this insurance quickly over the phone or through an online home staging insurance quote request.

Designers that own property, such as office buildings, may be able to purchase a package to protect the building as well. Whether you rent a space or own a building, you need general liability coverage, in the event of a claim on or off the main premises.

Several coverage options for interior designers may include:
  • General Liability Insurance / Business Owners Policy
  • Professional Liability Insurance
  • Commercial Auto Insurance
  • Property Insurance - for your inventory at AND away from your office
  • Non-Owner/Hired Autos Coverage
  • Workers Compensation Insurance
  • EPLI
  • Directors and Officers Insurance
  • And more...



Request a quote for Interior Designer Insurance:



Stratum Insurance Agency, LLC is licensed in more than 29 states, so it is able to help clients from just one location to many.



* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance is offered or afforded through this posting. In CA Lic #0e52066.

Saturday, December 11, 2010

Interior Designer E and O Insurance, Interior Decorator Insurance, Home Staging Insurance

Interior Designer Insurance - Professional Liability (E&O), General Liability, EPLI, Workers Comp

Contact: Stratum Insurance Agency, LLC - (949) 270-0609


Interior Designers need a variety of insurance policies to protect the businesses that they have worked so hard to build. Interior Designers looking for insurance can now easily request a quote online at the http://www.interiordesignerinsurance.com/. Like other businesses that provide a professional service, it is crucial to purchase professional liability insurance as well as commercial general liability insurance. Too often professionals lack the coverage needed to protect them in the event of a claim that arises from a service, financial loss by a third party, or error or omission.

What if I have employees?

Businesses that have employees are generally required to purchase workers compensation insurance as well (rules vary by location). Employment Practice Liability Insurance (EPLI) is recommended to protect against claims from employees, volunteers, or even those who are merely interviewed by you (amongst others). EPLI policies provide a missing piece of the insurance puzzle that is often overlooked. At Stratum Insurance Agency LLC, the team can quote this insurance quickly over the phone or through an online interior designer insurance quote request.

Designers that own property, such as office buildings, may be able to purchase a package to protect the building as well. Whether you rent a space or own a building, you need general liability coverage, in the event of a claim on or off the main premises.


Potential Interior Designer Claims
  • Failure to complete a project on time
  • A client not liking the end result
  • Placing an item in a location that results in bodily injury
  • Recommending a supplier that fails to deliver
  • Many other possibilities

Sample claims information is available on the quoting site.  Home staging professionals requesting insurance can also do so with the same link for quotes.

Several coverage options for interior designers may include:

  • General Liability Insurance
  • Professional Liability Insurance
  • Commercial Auto Insurance
  • Property Insurance
  • Non-Owner/Hired Autos Coverage
  • Workers Compensation Insurance
  • EPLI
  • Directors and Officers Insurance
  • And more...


  
Request a quote for Interior Designer Insurance:


Stratum Insurance Agency, LLC is licensed in more than 29 states, so it is able to help clients from just one location to many.


  
* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance is offered or afforded through this posting. In CA Lic #0e52066.

Tuesday, December 7, 2010

Management Consultant Insurance, Marketing Consultant Insurance, HR Consultant Insurance

Management Consultants, Marketing Consultants, and HR Consultants Insurance is easy to find when you contact Stratum Insurance Agency LLC. Professional liability Insurance and general liability insurance are both important to product you and your business. Too often, consultants purchase only general liability insurance, which, although an important part of insurance protection, does provide all of the coverage that they need. Professional Liability insurance (errors and omissions insurance) is designed to help protect against claims that result from third parties suffering a financial loss.

If you are a consultant seeking insurance, then contact Stratum Insurance Agency LLC. The agency represents multiple insurance companies that specialize in professional liability insurance, e&o insurance (errors and omissions), and other insurances for specialized professions. Quotes are available in over 30 states and can usually be sent in the same day.

Policies may be purchased separately or together and it is important purchase both professional liability insurance and general liability insurance because most general liability policies have an exclusion for professional services. This gap in coverage can leave your vulnerable. If you have employees, Stratum Insurance Agency can also quote employment practice liability insurance (EPLI) and workers compensation. You may also consider crime insurance for your business.

What other value added services come when you purchase a policy through Stratum Insurance Agency LLC?

Stratum has worked to align itself with top-rated insurance carriers that offer both great coverage options and additional services for our clients. Some of these great services may include:
  • Free or largely discount background checks for employers
  • Loss Control Services
  • Sample Waivers and Agreements
  • Sample Claims Scenarios (click this link and then choose Claims Scenarios for the professions referenced here)
  • 
Requesting and Insurance Quote is Easy (most quotes are available in same day):
Contact Stratum Insurance Agency LLC for a quote today.

Saturday, December 4, 2010

Arborist Insurance and Horticulturalist Insurance - professional liability and general liability insurance

Arborist insurance is easy to find when you go to an agency that sells insurance for your industry. Professional Liability Insurance and General liability insurance are both important to product you and your business. If you are a horticulturalist or arborist looking for insurance, then contact Stratum Insurance Agency LLC. The agency represents several insurance companies that specialize in professional liability insurance, e&o insurance (errors and omissions), and other insurances for specialized professions.

Policies may be purchased separately or together. It is important purchase both professional liability insurance and general liability insurance due to the risks that exist in the arborist industry.
  • Quotes by Phone: 949-270-0609
  • Online Quotes: http://www.arboristinsurance.com/
  • Already completed an application? Fax it to 949-270-0608 (we can quote off other carriers applications)


Stratum Insurance Agency LLC sells this product in over 25 states. Coverage options may vary by location. In CA, lic #0e52066.