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Monday, October 31, 2011

Networking Group Insurance, 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.
Quotes By Phone: 949-270-0609
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.
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Face Painter Insurance - General Liability Insurance

Face Painter Insurance - General Liability Insurance

Face Painters have a need for insurance just like other mobile entertainers (such as balloon twisters, clowns, and musicians). Risk in this industry increases due to provided entertainment to children.
General liability insurance for this industry is unique because the face painter travels to various locations to perform the act, such as parties, carnivals, and festivals. Stratum Insurance Agency LLC can help with insurance quotes for balloon artists, travelling dance groups, disc jockeys, photographers, and a variety of other mobiles businesses and entertainers.
Sample Claims (these are purely theoretical and no coverage is implied or confirmed):
  • Someone getting paint in their eye.
  • Someone could slip and fall because supplies are left on the floor
  • Someone could be allergic to the paint or develop a reaction
  • You could be sued for medical bills and time off work.
Coverage Options under a Face Painter Business Owners Policy may include:
  • General Liability Insurance
  • Business Personal Property Coverage
  • Business Income Coverage
  • Errors and Omissions Insurance (Professional Liability InsurancE)
  • And more...

Quotes are available online, generally in the same day, for Face Painter Insurance and Balloon Artist Insurance.

Request a quote for insurance:
Stratum Insurance Agency LLC can help with insurance quotes for balloon artists, travelling dance groups, disc jockeys, photographers, and a variety of other mobiles businesses and entertainers.
No coverage is issued, implied, or afforded through this posting. All quotes subject to underwriting. CA Lic 0e52066
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Balloon Artist Insurance - Balloon Twister Insurance

Balloon Artists and Balloon Twisters have a need for insurance just like other mobile entertainers. Risk in this industry increases due to provided entertainment to children. General liability insurance for this industry is unique because the balloon artist travels to various locations to perform the act. Stratum Insurance Agency LLC can help with insurance quotes for balloon artists, travelling dance groups, disc jockeys, photographers, and a variety of other mobiles businesses and entertainers.

Sample Claims (these are purely theoretical and no coverage is implied or confirmed):
  • Someone choking on a balloon.
  • A balloon popping and injuring someone.
Coverage Options under a Balloon Artist Business Owners Policy may include:
  • General Liability
  • Business Personal Property Coverage
  • Business Income Coverage
  • And more...

Quotes are available online, generally in the same day, for Balloon Artist Insurance.

Request a quote for insurance:
Stratum Insurance Agency LLC can help with insurance quotes for balloon artists, travelling dance groups, disc jockeys, photographers, and a variety of other mobiles businesses and entertainers.

No coverage is issued, implied, or afforded through this posting. All quotes subject to underwriting. CA Lic 0e52066
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Thursday, October 27, 2011

Orange County Tax Preparer Bonds - California Tax Preparer Bonds

California Tax Preparer Bonds $5000

Contact: Stratum Insurance Agency, LLC
Phone: 949-270-0609

Tax preparer bonds in California have a $5,000 penalty (this amount listed on the bond) are available in the same day with a quick electronic application. With the new e-signature system, no printing is required. You can purchase your bond online and have it emailed to you. The bond is available for terms of 1-5 years.

Many professions require bonds to be permitted to work or to obtain a license, such as contractors, driving schools, car dealerships, tax preparers, and many more.

Thanks to working with multiple carriers, Stratum Insurance Agency, LLC is able to obtain quotes from multiple bond writers. Many bonds can be processed in one day. The tax preparer bond can mailed, emailed, or it can be picked up in our Costa Mesa, CA office.

Customer service bonds are also available for many service professions, such as janitorial.
Other related products available include fidelity bonds, crime policies, and fiduciary liability.

Useful Links:



* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance or bond is offered or afforded through this posting.
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Wednesday, October 26, 2011

New Oregon Auto Insurance and Oregon Renters Insurance Discount Option

New Oregon Auto Insurance and Oregon Renters Insurance Discount Option

Stratum Insurance Agency LLC is excited to announce the addition of another carrier to its offerings in Oregon. This new carrier offers both Oregon auto insurance and Oregon renters insurance, providing a discount when you purchase both policies. The discount makes it easier for drivers who rent to get the valuable protection that they need.

Both drivers with clean records and drivers with tickets, accidents, or DUIs can qualify for the discount.

Of course, Stratum Insurance Agency LLC is already known around the country for being able to help clients find a great balance of price and coverage in many states, but this new addition comes as great news to customers who previously were not able to qualify for an Oregon renters insurance and Oregon auto insurance discount due to multiple tickets, accidents, or other items on their driving records. Stand alone renters insurance is also available.

Stratum Insurance Agency LLC works hard to find the right insurance carriers to assist their customers with their insurance needs. Serving both individuals and businesses, the agency works with multiple insurance carriers so that when you request a quote, it’s like calling many companies all at the same time. A member of the team can provide you with quotes from multiple companies.
Both renters and auto insurance quotes are available in over 40 states.

Request a Quote:
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. No coverage is offered or afforded by this article.
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Translator Insurance, Interpreter Insurance E&O Insurance, General Liability

Interpreter Insurance, Translator Insurance E&O Insurance, General Liability
(Available in over 40 States)
Contact: Stratum Insurance Agency, LLC - (949) 270-0609

Interpreters and Translators need a variety of insurance policies to protect the businesses that they have worked so hard to build. Interpreters and translators looking for insurance can now easily request a quote online at http://www.interpreterinsurance.com . Like other businesses that provide a professional service, it is crucial to purchase professional liability insurance as well as commercial general liability insurance. Businesses that have employees are generally required to purchase workers compensation insurance as well. Other types of coverage are available as well, sometimes as an add-on to a business owners policy and sometimes as a stand alone product, such as crime insurance and databreach coverage.

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

Many interpreters and translators only carry general liability insurance, but this may not be the right protection in the event of a claim for things such as injuring an animal. Due to the duties of the job, it is important to carry both professional liability (E&O) and general liability. Other valuable coverages are also available. A basic package may include professional liability coverage, general liability, coverage for your equipment, computer hardware and software, as well as fire legal liability.

Learn more at http://www.interpreterinsurance.com.


Some coverage options for interpreters and translators may include:
  • General Liability Insurance
  • Professional Liability Insurance (errors and omissions insurance)
  • Commercial Auto Insurance
  • Business Income and Extra Expense Coverage
  • Business Personal Property Insurance
  • Non-Owner/Hired Autos Coverage
  • Directors and Officers Insurance
  • Employment Practice Liability Insurance
  • Workers Compensation Insurance
  • Data Breach and Cyber Liability Coverage
  • And more...
Request a quote for Interpreter Insurance or Translator Insurance:
Stratum Insurance Agency, LLC can quote insurance in more than 35 states, so it is able to help clients from just one location to many.

* Not all products marketed in all states. Coverage options may vary by location. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by location). No insurance is offered or afforded through this posting. License info at: www.stratumins.com/license.htm
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Bookkeeper Errors and Omissions and General Liability Insurance - Home Business or Office Business

Bookkeeper Errors and Omissions and General Liability Insurance - Home Business or Office Business

Home-Based Business Insurance for bookkeepers, and other businesses is available for quoting in over 40 states with the team at Stratum Insurance Agency LLC. We can quote over 500 home based businesses, but our featured business class today is Bookkeeper Insurance in Arizona.

For bookkeepers, there are different policies available. In some cases, the policies can included both general liability and professional liability at a very competitive price. Bookkeepers operating their business from their home (although you may travel out to perform your bookkeeping duties), may qualify for a home business policy that offers coverages similar to a traditional business owners policy, with an added benefit — errors and omissions insurance.

The home-based bookkeeper insurance policy may include the following valuable coverages:
  • General Liability Insurance – different liability limits are available
  • Errors and Omissions Insurance
  • Business Personal Property – to protect your equipment that are used in the course of your business
  • Business Income and/or Extra Expense Coverage
  • Medical Expense
  • Damage to Premises Rented to You
  • More optional coverages are available.
Tax Preparer Bonds are also available, and both tax preparers and accountants are eligible to purchase an errors and omissions and business owners policy.
Office Based Policies
For bookkeepers who rent or occupy a space away from their primary residence, other policies are available. Stratum Insurance Agency LLC can assist with policies that offer both general liability and errors and omissions insurance under one policy, helping to reduce gaps in coverage. High limits of coverage are available.
Quote Requests are available online at:
Most Quotes are returned in the same day.

While many traditional businesses can qualify, there are a surprising number of Arizona businesses that are eligible for home-based businesses, such as:
  • Accountants
  • Art Studios
  • Ballon Artists
  • Barbers
  • Bakeries
  • Calligraphists
  • Car Detailers
  • Clowns & Entertainers
  • Crafts Makers
  • Cosmetics Sales
  • Disc Jockeys
  • Grantwriting Services
  • Groomers
  • Event Planner Insurance
  • Insurance Agents
  • Management Consultant Insurance
  • Notaries
  • Real Estate Consultants
  • Hundreds More….


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. No coverage is offered or afforded by this article.
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Monday, October 24, 2011

Concierge Bonds - Business Services Bond / Employee Dishonesty Bonds

Concierge Bonds - Business Services Bond / Employee Dishonesty Bonds

Concierge Bonds - Surety Bonds are available for personal concierges:
  • Business Services Bond
  • Employee Dishonesty Bonds
Same day quotes are available with an online request in over 40 states.
Pricing, options and available vary by location.
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Thursday, October 20, 2011

Notary Errors and Omissions and General Liability Insurance

Notary Errors and Omissions and General Liability Insurance

Home-Based Business Insurance is available for quoting in over 40 states with the team at Stratum Insurance Agency LLC. We can quote over 500 home based businesses, but our featured business class today is Notary Public Insurance.

For Notaries Public, there are different policies available. In some cases, the policies can included both general liability and professional liability at a very competitive price. Notaries operating their business from their home (although you may travel out to perform your notarial duties), may qualify for a home business policy that offers coverages similar to a traditional business owners policy, with an added benefit -- errors and omissions insurance.

The home-based notary insurance policy may include the following valuable coverages:
  • General Liability Insurance - different liability limits are available
  • Errors and Omissions Insurance
  • Business Personal Property - to protect your equipment that are used in the course of your business
  • Business Income and/or Extra Expense Coverage
  • Medical Expense
  • Damage to Premises Rented to You
  • More optional coverages are available.
Notary Bonds are also available.

Office Based Policies

For notaries who rent or occupy a space away from their primary residence, other policies are available. Stratum Insurance Agency LLC can assist with policies that offer both general liability and errors and omissions insurance under one policy, helping to reduce gaps in coverage. High limits of coverage are available.

Quote Requests are available online at:
Most Quotes are returned in the same day.

While many traditional businesses can qualify, there are a surprising number of businesses that are eligible for home-based businesses, such as:
  • Art Studios
  • Ballon Artists
  • Barbers
  • Bakeries
  • Crafts Makers
  • Cosmetics Sales
  • Grantwriting Services
  • Groomers
  • Event Planner Insurance
  • Management Consultant Insurance
  • Real Estate Consultants
  • Hundreds More....


    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. No coverage is offered or afforded by this article.
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    Wednesday, October 19, 2011

    Food Cart Insurance, Mobile Food Vendor Insurance - Financing Options

    Foodcart Insurance and Concessionaire Insurance customers who have financed their carts, such as by taking a loan from a bank or other lending institution, may find themselves in need of coverage beyond just the liability insurance that many mobile food vendors purchase. Too often businesses only purchase general liability coverage, only to find that they need additional coverage to both satisfy their lender and to protect their investment in the business.
    Another optional coverage is "inland marine" or similar coverage, which the team at Stratum Insurance Agency LLC is able to quote for both food carts, food trailers, mobile vendors, other types of trailers or carts that sell products other than food.

    Much like purchasing a car or home where the lender requires that they be added as a "loss payee" to your insurance, Stratum can assist you by having this wording add to a food cart insurance or other concessionaire insurance policy.

    Stratum Insurance Agency LLC is dedicated to small helping small businesses, and as we know, starting a business is no easy job in today's world. With this in mind the agency has worked hard to find options for both the mobile food business and other industries. Often, concessionaires and other mobile food vendors have trouble finding policies that offer any payment options other than paid-in-full.

    Important Coverages Available under a Concessionaire Insurance Policy
    • General Liability Insurance
    • Products Liability Coverage
    • For Food Carts: Optional Coverage for the Cart - Theft, Physical Damage, Inland Marine
    • For Food Trucks / Catering Trucks - commercial auto insurance, including optional physical damage coverage
    • Coverage for your inventory
    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. No coverage is offered or afforded by this article.
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    Christmas Tree Lot Insurance - 2011 Coverage Options

    Christmas Tree Lot insurance is in season once again. Stratum Insurance Agency LLC sells general liability and property insurance for pumpkin patches, christmas tree lots, and other holiday events around the nation. Insurance quotes are available over the phone at 949-270-0609 in over 40 states.Stratum Insurance Agency, LLC makes it easy for clients in need of Christmas Tree Lot insurance around the country by working with many top rated insurance carriers in over 40 states.

    Let's take a look at some of the available coverages:
    • General Liability Insurance (with option to name your landlord as an additional insured).
    • Inland Marine Coverage - protection for tents, fences and even the trees.
    • Non-owned and hired autos coverages. This valuable coverage is often overlooked.
    Electronic signatures are available for most applicants, helping to both create an easy insurance purchasing process and reducing paper usage to protect the environment. Policies can often be issued in the same day and certificates of insurance can be send directly to your landlord by fax or email at your request.
    ONLINE:


    BY PHONE: 949-270-0609 (for insurance in over 40 states)

    * Not all products marketed in all states. Coverage options may vary by location. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by location). No insurance is offered or afforded through this posting.
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    Saturday, October 15, 2011

    FR44 Insurance Quotes and SR22 Insurance Quotes E-signatures - same day quotes

    FR44 Insurance Quotes and SR22 Insurance Quotes are available quickly and easy by submitting a request at www.fr44insurance.com or by calling 352-404-4445 (Florida) or 949-270-0609 (all other states).

    Electronic signatures are now available to make it easier for customers to sign their applications. This great service is available in most states around the country. Completing the process quickly through new technology is just another way that Stratum Insurance Agency LLC is leading the way as a modern insurance agency. Clients can access their electronic signature forms via a mobile device such as an iPad or Android tablet as well.

    Information on FR44s and SR22s

    Insurance with an FR44 or SR22 is something that is general required for drivers with a:
    • Driving Under the Influence (DUI) ,
    • Driving While Intoxicated (DWI), or
    • Operating Vehicle While Intoxicated (OVWI).
    In some other cases, either an FR44 may be required. An FR44 in Florida or an FR44 in Virginia is generally required of drivers who have these violations in those states. Fortunately, we can help clients whether or not you live in these states. If you receive one of these violations in any of 35 states, we can help with your SR22 filings and FR44 Filings.

    In other states, and SR22 filing is generally required of drivers with a DUI or similar violations, or in some cases, a ticket for driving without insurance.

    What makes us different? We are an insurance agency!

    As an independent insurance agency, we work with many top-rated insurance carriers to help you find a great combination of price and coverage for your needs. We are an agency that works for you and does NOT sell your information to other agents, like so many websites do. We are Stratum Insurance Agency LLC, and our team wants to help you find great insurance at a great price.

    Request a quote:
    Useful Insurance Links for SR22 Filings, FR44 Filings, and auto insurance:
    The terms "sr22 insurance" and "fr44 insurance", much like "dui insurance", are used by the general public, but are not official types of insurance. Our agency helps with auto insurance for people who have a DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the insurance policy. When you contact us, we can help explain in better detail what these terms mean.

    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. No coverage is offered or afforded by this article.
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