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Tuesday, November 29, 2011

Entertainer Insurance, Clown Insurance, Musician Insurance

Holiday entertainers often have a need for insurance just like many other businesses. Entertainers find themselves in a unique situation because they are mobile.  It is important to purchase a policy that does not have a premises limitation.

Some entertainers which we can assist include:
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.
Coverage Options under an entertainer insurance policy may include:
  • General Liability Insurance
  • Errors and Omissions Insurance (Professional Liability Insurance)
  • Inland
  • And more...
Other Seasonal and Holiday Insurance:
Quotes are available online, generally in the same day for most entertainer insurance.

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

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

Sunday, November 20, 2011

Texas Mobile Food Vendor Insurance - Food Truck Insurance, Catering Truck Insurance, Food Cart Insurance

Texas Mobile Food Vendor Insurance - Food Truck Insurance, Catering Truck Insurance, Food Cart Insurance

(Available in Over 40 States) 949-270-0609 (Any State)
Texas Mobile food vendor insurance is a type of insurance for which the team at Stratum Insurance Agency LLC truly has a passion. The combination of the insurance team and the foodies in the office have lead to the creation of a team dedicated to helping the mobile food industry find the balance of price and insurance coverage that they are seeking.

Specialty businesses such as gourmet food trucks food carts, kiosks, and even bicycle-based food vendors have become increasingly popular in the last few years, even though the business model has been around for some time. The variety of foods that we see thanks to new mobile food vendors keeps our team excited.

Why do I need insurance as an Texas mobile food vendor, food cart or food truck?


There are many risks in the concessionaire business. 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.

Why choose Stratum Insurance Agency LLC as your team for your insurance in Texas or over 41 other states?


We are foodies with a love for both the insurance and the mobile food business! We attend food truck festivals and have a passion for the new flavors that the mobile food industry is sharing with the nation. Our team members can obtain insurance quotes in over 40 states for a large variety of insurances. We also have direct access to insurance carriers, meaning that we can answer questions and obtain quotes efficiently and quickly.

Important Coverages Available under a Concessionaire Insurance Policy
  • General Liability Insurance
  • Products Coverage
  • For Food Carts: Coverage for the Cart - Theft, Physical Damage
  • For Food Trucks / Catering Trucks - commercial auto insurance
  • Coverage for your inventory
A word about "Theft Coverage".


Not all concessionaire insurance policies are the same. Stratum Insurance Agency LLC sells policies that offer theft coverage in most cases.   When you get a quote from another agency, it is important that you confirm that theft coverage is not excluded. Of course, you will need to review all of the coverages to confirm that you have an understanding of what you are buying and you should never assume that something is specifically covered. Taking the time to review your quote, the terms and conditions, the exclusions, and all of the parts of your policy is important.

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


Most of the concessionaire insurance quotes and food truck quotes that we provide include blanket additional insureds. This is a valuable option that you should not overlook 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, per the contract. In this case, you would just contact the team at Stratum Insurance Agency, forward the contract showing that the wording is required and they can make you a certificate. Keep your contracts from the people requiring your certificates so that you can send them. 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 41 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 and educate themselves. 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.

Wednesday, November 2, 2011

Food Cart Insurance for Financed Carts - Concessionaire Insurance for financed carts

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.

Tuesday, November 1, 2011

Holiday Store Insurance, Christmas Store Insurance, Kiosk Insurance

Short-term and seasonal store insurance quotes are available for holiday
stores and kiosks. Same day quotes are available in most locations

* 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.