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Tuesday, May 31, 2011

Arborist Insurance, Tree Trimmer Insurance, Tree Surgeon Insurance

Arborist Insurance, Tree Trimmer Insurance, Tree Surgeon 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, tree trimmer, tree surgeon,  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. It is important purchase both professional liability insurance and general liability insurance due to the risks that exist in the arborist industry.

Policies may be purchased separately or together. If you perform a professional service, particularly a specialized one, it important to work with an insurance agency like Stratum because they have direct access to insurance carriers that have policies intended for this profession.

 Some insurance options, stand-alone or in one policy, may include:
  • General Liability
  • Professional Liability (E & O)
  • Workers Compensation
  • Crime Insurance
  • Employment Practice Liability Insurance
  • and more...
Request a quote:
Stratum Insurance Agency LLC sells this product in over 35 states. Coverage options may vary by location. In CA, lic #0e52066.

Monday, May 23, 2011

Referral Group Insurance

Referral Group Insurance can provide a large selection of protections based on the needs of the group. Referral groups are organizations that businesses use to exchange business referrals. They generally meet weekly or monthly and often have a structure to help organize the members.

Stratum Insurance Agency LLC sells referral group insurance and membership club insurance in over 35 states. Quotes are available in the same day.
Non-profit organizations, social services, and entities with any type of board or officers should consider these valuable insurances:
  • Directors and Officers Insurance
  • Employment Practive Liability Insurance (may include volunteers)
  • Fiduciary Liability
While many insurance options are available, several to consider with your quote as well are:
  • General Liability Insurance
  • Business Personal Property Insurance - to cover your equipment and more*
  • Business Income Coverage
  • Property Coverage - coverage for buildings that you own or tenant improvements*
  • Crime Insurance
These can often be quoted on one policy or separately.
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.
*These are generic minimal definitions, please consult your insurance agenct and policy documents for more information. Coverages, options, and policy forms may vary by location and carrier.

Sunday, May 22, 2011

California Concessionaire Insurance, Kiosk Insurance, Cart Insurance

California 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)

California 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 California 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
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
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.