Property Preservation E&O Insurance and General Liability Insurance

Property Preservation E and O Insurance, General Liability
Contact: Stratum Insurance Agency, LLC - (949) 270-0609 (Available in 40 States)

Property Preservation Insurance, particularly errors and omissions insurance (E & O insurance) and general liability insurance have become increasingly popular as the foreclosure industry and mortgage inspection industry have grown. These may include general liability insurance and professional liability insurance (E&O insurance), amongst other policy offerings. Vendors often require both insurances to work with them. Same day quote are generally available.

Property Preservation Specialist Insurance - http://www.propertpreservationinsurance.com/

Errors and omissions insurance for property preservation specialist is available for quoting in over 35 states from Stratum Insurance Agency LLC. General Liability Insurance is available for a variety of services as well, including trash-outs, lawn care, minor maintenance, and more. Property Preservation Specialist Insurance or Foreclosure Specialist Insurance may include coverage for work that includes:

• Minor maintenance/repair work
• Winterization
• Boarding windows
• Changing locks
• Lawn care
• Trash Outs
• Removing and securing the contents of a vacant property.

For professionals that act as both field inspectors and property preservations specialists, coverage can be provided for both services under one E&O or general liability policy.

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. If you have employees or independent contractors that work for you, it is important to consider other insurance policies as well. Stratum Insurance Agency is able to provide quotes for field inspector insurance and/or property preservation specialist insurance either over the phone or by email through a simple quote request. The business owners policy for field inspectors offers a variety of great coverages that go far beyond basic general liability.

Potential Field Inspector Insurance Claims & Property Preservation Specialist Insurance Claims (this is a very small partial list)

• Failure to complete a project on time
• Damage to property
• Bodily Injury
• Losing Photographs
• Accidentally Submitting and Improper Report
• Many other potential claims

Request a quote for:

• ONLINE: www.propertypreservationinsurance.com (if you perform both services, you can use either website)
• BY PHONE: 949-270-0609 (all states) 352-404-4445 (East Coast)
• Paper Applications can be faxed to 949-270-0608
• Other Quotes: http://www.stratumins.com/

Stratum Insurance Agency, LLC is licensed in more than 35 states, so we are able to help clients from just one location to many.

Concessionaire Insurance, Kiosk Insurance, Cart Insurance

Concessionaire Insurance, Kiosk Insurance, Cart Insurance - Stratum Insurance Agency LLC

(Available in Over 35 States)     949-270-0609 (Any State)        352-404-4445 (East Coast)

Concessionaire Insurance is a type of insurance for which the team at Stratum Insurance Agency LLC truly has a passion.  Concessionaire and kiosk insurance can include coverage for general liability, products, and the cart itself.  Specialty businesses such as food carts, kiosks, and even mall concessionaires have become increasingly popular in the last few years, even though the business model has been around for some time.

Why do I need insurance as a concessionaire or kiosk owner?

There are many risks in the concessionaire insurance.  For example, if you sell food, there is the risk of a food poisoning claim.  If you have a booth where you set up a computer or light that you plug in and someone trips over your power cable, you could be sued for medical bills or bodily injury.  More sample claims are available on the concessionaire insurance website.

Important Coverages Available under a Concessionaire Insurance Policy

• General Liability Insurance
• Products Coverage
• Coverage for the Cart - Theft, Physical Damage
• Coverage for your inventory

A word about "Theft Coverage".

Not all concessionaire insurance policies are the same.  Stratum Insurance Agency sells policies that offer theft coverage.  When you get a quote from another agency, it is important that you confirm that theft coverage is not excluded.

What if I need an additional insured added with a certificate?

Most of the concessionaire insurance quotes that we provide include blanket additional insureds.  This means that you can add an additional insured for no extra charge when it is required by a written contract.  For example, if you work at a swap meet, you may need to add the swap meet owner as an additional insured.  In this case, you would just email the team at Stratum Insurance Agency, and they can make you a certificate.  If your additional insured requires special wording, there may be a charge from the carrier, but this is not often required.

It is important to work with an insurance agency that understands the needs of your industry.  Many insurance agents sell insurance for more traditional restaurants and food services. Insurance policies can be tailored to your needs, so make sure to present all of the aspects of your business to your agent so that he or she can find you the proper policy for your needs.Stratum Insurance Agency LLC is licensed to sell insurance in over 35 states and has a passion for unique industries, such as mobile businesses.  The agency has a focus on small businesses and start ups.


By working with multiple insurance carriers around the country, the agency is able to help businesses grow as they take on new risks.  Loss control services and publications are also available to help business owners reduce risk.  From general liability to crime insurance and cyber liability, they will work to help you find the balance of price and coverage that you need.


Request a Quote from Stratum Insurance Agency LLC

• Food Cart Insurance: www.foodcartinsurance.com
• Concessionaire Insurance (not food): https://www.stratumins.com/business/concessionaire_insurance.html
• Vending Machine Insurance: https://www.stratumins.com/business/vending_machine_insurance.html
• Quotes By Phone:  949-270-0609   or   352-404-4445

Disclaimer: Coverages and options vary by policy and location.  The information provided here is very general and this article is in no way meant to serve as a recommendation, reference material, or offer of coverage. The reader of this article agrees to hold the author harmless and release him, his agency and/or brokerage from any liability arising from insurance coverage decisions chosen by the reader.

It is important to work with an insurance agency that understands the needs of your industry.  Many insurance agents sell insurance for more traditional restaurants and food services. Insurance policies can be tailored to your needs, so make sure to present all of the aspects of your business to your agent so that he or she can find you the proper policy for your needs.Stratum Insurance Agency LLC is licensed to sell insurance in over 35 states and has a passion for unique industries, such as mobile businesses.  The agency has a focus on small businesses and start ups.


By working with multiple insurance carriers around the country, the agency is able to help businesses grow as they take on new risks.  Loss control services and publications are also available to help business owners reduce risk.  From general liability to crime insurance and cyber liability, they will work to help you find the balance of price and coverage that you need.


Request a Quote from Stratum Insurance Agency LLC

• Food Truck Insurance: www.foodtruckinsurance.com
• Concessionaire Insurance / Food Cart Insurance:  www.foodcartinsurance.com
• Quotes By Phone:  949-270-0609   or   352-404-4445

Disclaimer: Coverages and options vary by policy and location.  The information provided here is very general and this article is in no way meant to serve as a recommendation, reference material, or offer of coverage. The reader of this article agrees to hold the author harmless and release him, his agency and/or brokerage from any liability arising from insurance coverage decisions chosen by the reader.

Field Inspector E and O Insurance - Property Preservation E and O Insurance - Foreclosure Specialist Insurance

Field Inspector E and O Insurance - Property Preservation E and O Insurance - Foreclosure Specialist Insurance Professional Liability (E&O), General Liability, EPLI, Surety Bonds


Contact: Stratum Insurance Agency, LLC - (949) 270-0609 (Quotes in over 35 States)


Field Inspector Insurance and Property Preservation Insurance, particularly errors and omissions insurance (E & O insurance) and general liability insurance have become increasingly popular as the foreclosure industry and mortgage inspection industry have grown. These may include general liability insurance and professional liability insurance (E&O insurance), amongst other policy offerings. Vendors often require both insurances to work with them. Same day quote are generally available.


Field Inspector Insurance - Mortgage Inspector Insurance - www.fieldinspectorinsurance.com


Errors and omissions insurance offers valuable protection for claims that result from the professional services that field inspectors provide, while general liability insurance is designed to protect you during claims for bodily injury or property damage. Business owners policies, which can include general liability insurance, business equipment coverage, and more can often be included on the same policy for a small additional premium. Field Inspector Services may include, in part:

• Performing Visual Inspections of Properties
• Taking Photographs of Properties
• Providing Inspection Reports

Property Preservation Specialist Insurance - www.propertpreservationinsurance.com


Errors and omissions extensions on general laibility policies as well as full professional liability quotes for property preservation specialist are available for quoting in over 35 states from Stratum Insurance Agency LLC. General Liability Insurance is available for a variety of services. Property Preservation Specialist Insurance or Foreclosure Specialist Insurance may include coverage for work that includes:

• Minor maintenance/repair work
• Winterization
• Boarding windows
• Changing locks
• Lawn care
• Removing and securing the contents of a vacant property.

For professionals that act as both field inspectors and property preservations specialists, coverage can be provided for both services under one E&O or general liability policy.


If you have employees or independent contractors that work for you, it is important to consider other insurance policies as well. Stratum Insurance Agency is able to provide quotes for field inspector insurance and/or property preservation specialist insurance either over the phone or by email through a simple quote request. The business owners policy for field inspectors offers a variety of great coverages that go far beyond basic general liability.


Potential Field Inspector Insurance Claims & Property Preservation Specialist Insurance Claims (this is a very small partial list)

• Failure to complete a project on time
• Damage to property
• Bodily Injury
• Losing Photographs
• Accidentally Submitting and Improper Report
• Many other potential claims

Request a quote for:

• ONLINE: www.fieldinspectorinsurance.com or   www.propertypreservationinsurance.com (if you perform both services, you can use either website)
• BY PHONE: 949-270-0609 (all states)       352-404-4445 (East Coast)
• Paper Applications can be faxed to 949-270-0608
• Other Quotes: www.stratumins.com

Stratum Insurance Agency, LLC is licensed in more than 30 states, so we are able to help clients from just one location to many.


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.

* 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.

Product Demonstrator Insurance - General Liability Insurance

Product Demonstrator Insurance - General Liability Insurance

Stratum Insurance Agency LLC sells product demonstrator insurance in over 30 states.

Individuals or business that demonstrate products, such as offering food samples at a market need to protect themselves.  There are many potential claims that may arise, such as slip and fall or food poisoning claims.

Several types of insurance options are available:

• General Liability Insurance / Business Owners Policy
• Coverage for a cart or equipment that you use for business
• Commercial auto insurance for your business vehicle'

Coverage is available for businesses that have an office or that have a home-based location but work off site.

Request a quote:

• Online: https://www.stratumins.com/business/product_demonstrator_insurance.html
• Other Quotes: http://www.runquotes.com/
• By Phone: 949-270-0609
• Fax a Paper Application to 949-270-0608   (download the application here)

Coverages, availability, and options vary by location.

Food Truck Insurance and Food Cart Insurance, Concessionaire Insurance

Food Truck Insurance and Food Cart Insurance, Concessionaire Insurance, Kiosk Insurance
Stratum Insurance Agency LLC   - Quotes available in over 35 States


While food trucks and food carts have been around for some time, there has been a recent spike interest in these industries by both diners and business owners.  As with any business, the owners of mobile food services, including both trucks and kiosks, need to protect themselves and their businesses.  While restaurants face many potential claims each day, catering trucks and mobile kiosks find themselves facing additional potential perils, for which different types of insurance is needed.Here are a few risks to consider:

• Auto accidents in a large truck.
• Food poisoning.
• Slip and fall risks around a parked truck or kiosk.
• The extra equipment that could be damaged in your truck in an accident.

Naturally, each business is unique, and the following list of insurance contains only several of the available options for this industry.  Thus, it is important to review your business in detail with your insurance agent to determine which coverages are right for you. There are several types of insurance that a food truck or kiosk needs to consider.

• Commercial Auto Insurance
• General Liability Insurance
• Business Personal Property an Inland Marine Insurance

Commercial auto insurance is auto insurance designed for vehicles that are used in the course of a business.  Be careful of only purchasing a personal auto insurance with “business usage” listed, as the terms of the commercial auto insurance and personal auto insurance policies differ.  Generally speaking, a commercial policy often offer higher limits of insurance, allows for modified trucks, and permits different types of usage and travel radius. A catering truck is generally larger and has heavy modifications, which creates the need to extra coverage.  You probably invested a lot in your truck, so you should protect it.  In addition, make sure to confirm with your local and state governments regarding the insurance requirements in the areas where you will be working, as these can vary greatly.
General liability insurance is a policy that offers several specific coverages, served up a la carte, where your start with several coverages and have the option to choose additional coverages to add.


Why do you need General Liability Insurance?  
Simply put, the commercial auto policy is only one piece of the puzzle.  What will protect you when you have parked the truck, opened up shop, and perhaps even set up tables? These policies often include protection from claims that arise from bodily injury and property damage, as well as the products that you sell.  When reviewing quotes, you should make sure that, among other things, you have coverage for your products, because this is excluded from some policies. 


Stationary kiosks, food carts, and catering trucks need this coverage, but we see too many go without it.  Often, you will find that property managers or landlords ask you to provide a certificate of insurance to show that you have the coverages that they require for you to work at their locations.Business property coverage is an additional option on a general liability policy.  If you have equipment to protect that is not permanently mounted to the truck and covered under the commercial auto policy, you should consider this coverage.  If you have items that you tow, such as a barbeque or smoker, you want to protect it as well.  Remember, while you might have coverage for liability risks while towing your smoker, there is generally no coverage for damage to it or a total loss.Here are a few questions to ask when buying insurance:

• Am I protected when I get into a car accident?
• Does my insurance allow for a mobile business?
• Do I have coverage for food poisoning claims?
• What if the truck is stolen or vandalized?
• Do I tow items that need special coverage?

It is important to work with an insurance agency that understands the needs of your industry.  Many insurance agents sell insurance for more traditional restaurants and food services. Insurance policies can be tailored to your needs, so make sure to present all of the aspects of your business to your agent so that he or she can find you the proper policy for your needs.Stratum Insurance Agency LLC is licensed to sell insurance in over 35 states and has a passion for unique industries, such as mobile businesses.  The agency has a focus on small businesses and start ups.  


By working with multiple insurance carriers around the country, the agency is able to help businesses grow as they take on new risks.  Loss control services and publications are also available to help business owners reduce risk.  From general liability to crime insurance and cyber liability, they will work to help you find the balance of price and coverage that you need.


Request a Quote from Stratum Insurance Agency LLC

• Food Truck Insurance: www.foodtruckinsurance.com 
• Concessionaire Insurance / Food Cart Insurance:  www.foodcartinsurance.com 
• Quotes By Phone:  949-270-0609   or   352-404-4445

Disclaimer: Coverages and options vary by policy and location.  The information provided here is very general and this article is in no way meant to serve as a recommendation, reference material, or offer of coverage. The reader of this article agrees to hold the author harmless and release him, his agency and/or brokerage from any liability arising from insurance coverage decisions chosen by the reader.