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Monday, January 30, 2012

Nevada Condo Insurance (h06)–Owner Occupied, Landlords

Nevada Condo insurance , also known as ho6 insurance or walls-in coverage, helps to protect condo owners in many different ways.

What is Nevada condo insurance (ho6 insurance)?
Condominium Insurance is designed to protect condo unit owners from many possible losses that occur. Most attached condos are covered by a homeowners association policy for certain potential claims, but there are many risks that are not covered, which has created the need for condo insurance.

A partial list of available coverages for owned-occupied condos:
  • Dwelling Coverage - to protect the interior of your condo unit (not on all policies, but highly recommended)
  • Personal Property Coverage - to protect your personal belongings and other items that may not be crucial to the reconstruction of your condo
  • Loss of Use Coverage
  • Personal Liability - to protect against claims of bodily injury and property damage
  • Medical Payments
There are many more options, including some for landlords.


Learn more about some of the coverages available here: http://www.stratumins.com/condos/

Why buy Nevada condo insurance?
The answer is simple -- because a master association policy generally does not protect the items inside the condo, nor provide you with personal liability coverage. Not only do you have personal property to insure, but also potential claims for damage to your flooring, cabinets, countertops, and more. Of course, many other coverages are included on a quote.

For whom is condo unit owners insurance designed?
If you live in one of the following, then you want to consider condo unit owners insurance:
  • Condominium Association
  • Townhome Association
  • Rowhouse Association
  • Homeowners Association (attached homes)
  • Planned Community - Some Planned Unit Developments (PUD)
  • Other types of residences where the exterior is coverage by a Master Association Policy or similar policy.
Learn more on the Stratum Insurance Agency Condo site here. The agency is able to quote insurance in over 40 states, including both owner-occupied condos, rental units, seasonal condo insurance, and more. Ask about discounts for combining your Nevada condo insurance with your auto insurance, motorcycle insurance, and more. Umbrella policies are also available in most locations.

Request a quote:

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    Wednesday, January 25, 2012

    Wisconsin Tree Trimmer Insurance, Tree Pruning Insurance, Arborist Insurance

    Wisconsin Tree Trimmer Insurance, Arborist Insurance, Tree Pruner Insurance, Tree Surgeon Insurance

    Wisconsin 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 as well for commercial auto insurance.

    The agency represents several insurance companies that has a passion for general liability, professional liability insurance, e&o insurance (errors and omissions), and other insurances for specialized professions. tree_trimmer_insurance_arborist_insurance

    If you have equipment to protect, ask about contractors equipment coverage options.

    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
    • Contractors Equipment
    • Professional Liability (E & O)
    • Workers Compensation
    • Crime Insurance
    • Employment Practice Liability Insurance
    • and more...

    Other benefits of choosing Stratum Insurance Agency LLC:

    Our small business team understands that small business owners can use extra help from time to time, which is why we work with many carriers that offers small businesses valuable resource centers or hotlines.  Included with many policies is access to loss control services, information-filled website, business tips, and more.


    Request a quote:

    Stratum Insurance Agency LLC can quote this insurance in over 35 states. Coverage options may vary by location. In CA, lic #0e52066.

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    Arizona Condo Insurance–Landlords, Owner Occupied

    Arizona Condo Insurance, also known as ho6 insurance or walls-in coverage, helps to protect condo owners in many different ways.

    What is Arizona condo insurance (ho6 insurance)?
    Condominium Insurance is designed to protect condo unit owners from many possible losses that occur.  Most attached condos are covered by a homeowners association policy for certain potential claims, but there are many risks that are not covered, which has created the need for condo insurance.
    Condo insurance , also known as ho6 insurance or walls-in coverage, helps to protect condo owners in many different ways.

    Why buy Arizona  condo insurance?
    Arizona  Condominium Insurance is designed to protect condo unit owners from many possible losses that occur.  Most attached condos are covered by a homeowners association policy for certain potential claims, but there are many risks that are not covered, which has created the need for condo insurance.
    For whom is condo unit owners insurance designed?
    If you live in one of the following, then you want to consider condo unit owners insurance:
    • Condominium Association
    • Townhome Association
    • Rowhouse Association
    • Homeowners Association (attached homes)
    • Planned Community  - Some Planned Unit Developments (PUD)
    • Other types of residences where the exterior is coverage by a Master Association Policy or similar policy.
    Learn more on the Stratum Insurance Agency Condo site here. The agency is able to quote insurance in over 40 states, including both owner-occupied condos, rental units, seasonal condo insurance, and more. Ask about discounts for combining your Arizona condo insurance with your auto insurance, motorcycle insurance, and more.  Umbrella policies are also available in most locations.
    Request a quote:
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    Monday, January 16, 2012

    Small Business Insurance – a new level of service–Part 1

    Small Business Insurance and Stratum Insurance Agency go hand in hand.  If you are a small business owner you may find yourself short on time, in particular because you wear many hats.  At Stratum, this is something that we can understand, which is why we work hard to make it easy for small business owners to location the insurance for which they are shopping. 

    businessinsuranceredIf you are new to buying commercial insurance, you may not be familiar with the many options that are available and the types of business insurance that are right for your industry.  Let our small business team help you by providing you with coverage options and sample claims (available for many industries) to review.

    How do I get a quote?

    • Start by going to our business insurance site: http://www.stratumins.com/business/
    • Next, either choose your industry from the list or the type of insurance that you are seeking.
    • Most quotes can be sent in the same day, if they are requested during business hours.  Some quotes require additional underwriting (meaning reviewing and asking follow up questions).
    • If you prefer to speak with someone on the phone, simply give us a call at 949-270-0609.

    Remember, we can help in over 40 states.

    When you obtain quote, you may also receive:

    • Sample Claims
    • Information on Additional Services that may be included such as loss control services, educational resources, hotlines that you can call with questions, and more.

    Learn more in Part 2 of our article later this week when we discuss several of the types of insurance with which we can assist.  Bookmark http://blog.stratumins.com/

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    Thursday, January 12, 2012

    Real Estate Agents Insurance, Real Estate Brokers Insurance (E&O, professional liability, general liability)

    Real Estate Agents Insurance, Real Estate Brokers Insurance - Professional Liability (E&O), General Liability, EPLI, Workers Comp

    Contact: Stratum Insurance Agency, LLC - (949) 270-0609
    Availability: Over 40 States

    Real Estate Agents need a variety of insurance policies to protect the businesses that they have worked so hard to build. Real Estate Agents 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.

    Potential Real Estate Agent Professional Liability Claims:
    • Failure to close a on time
    • Discrimination
    • Recommending a school district
    • Failure to disclose information
    • Many other possibilities
    Even if a claim is ruled in your favor, the mere cost to defend a lawsuit can shut down a business.  With business picking up in the real estate market, it is important to have the right protection in place for your business.  Remember, most general liability policies have an exclusion for professional services, meaning that it DOES NOT include professional liability coverage (errors and omissions insurance). Stratum also sells policies that have the option to add coverage for subcontractors or sub-agents. Another great benefit of purchasing professional liaiblity insurance is the loss control services that are general available to clients.  Ask  a member of the Stratum Insurance Agency team for more information.

    If you are just looking for a business owners policy with general liability insurance with or without coverage for your business property to protect your office exposure or to satisfy a landlord, simply let Stratum Insurance know when you are requesting a quote.  Home-based real estate agents who are just looking for general liability insurance can use our home-based businessquote form.

    What if I have employees?

    Businesses that have employees are generally required to purchase workers compensation insurance as well (rules vary by location). In some states, workers compensation insurance is required even if you have 1099 Independent Contractors as agents.   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 Real Estate Agent insurance quote request.

    Agents and Brokers 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.

    Sample claims information is available on the quoting site. Real Estate Consultants Insurance is also available for quoting on the same site.

    Several coverage options for Real Estate Agent may include:

    Request a quote for Real Estate Agent Insurance:
    Stratum Insurance Agency, LLC is licensed in more than 39 states, so it is able to help clients from just one location to many. Whether you are a sole proprietor or a corporation with many employess, contact us for a quote. Same day quotes are available.

    * 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. Coverage options and policy types vary by state.  In CA Lic #0e52066.
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    Wednesday, January 11, 2012

    Texas Auto Insurance - DUI, SR22, Tickets, and Accidents

    Texas Auto Insurance - DUI, SR22, Tickets, and Accidents

    Texas Drivers who have a DUI, DWI, major violations, accidents, multiple tickets, or suspended licenses have options for insurance. Stratum Insurance Agency, LLC is able to compare the rates of multiple insurance carriers to help clients shop prices with just one phone call. Drivers in need of an SR22 can simply request one at the time of purchase.
    If your current insurance company has raised your rates because you have new violation on your record, now is a great time to get new insurance quotes to see not only if you can save money, but also improve your coverage. Thanks to working with many insurance carriers, we are happy to welcome both clean driving records and tough situations.

    texas_dui_sr22_auto_insuranceMany discounts are available, for homeowners, college graduates, certain professions, and more.  If you have previous insurance, you may qualify for a discount for having continuous insurance too.
    Stratum Insurance Agency works to stay with you through good and bad times. Whether your driving record improves or faces challenges, the agents work to stick by your side by helping you find the insurance that meets your needs.
    If you are a homeowners, renter, or condo owner, let us know and the agency can search for a multipolicy discount.

    How to obtain a free Texas Auto Insurance Quote:


    * 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. By reading this article or blog post, you agree to hold the author, his agency or brokerage, family, and anyone associates with Stratum Insurance Agency LLC harmless from any liability that may arise. License info at: www.stratumins.com/license.htm

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    Tuesday, January 10, 2012

    Pennsylvania State Board of Barber Examiners Barber School Bond

    Barber School Bond from Stratum Insurance Agency LLC


    Barber School Bond quotes are available quickly and easily from Stratum Insurance Agency LLC.   At Stratum Insurance Agency LLC, thanks to our e-signature system, no printing is required, which both protects the environment and makes the bond buying process easy and efficient.

    Bonds can be mailed or emailed in the same day (if purchased during business hours), in most cases.

    Thanks to working with multiple sureties, Stratum Insurance Agency, LLC is able to obtain quotes from multiple bond providers.

    The Barber School Bond can mailed, emailed, or it can be picked up in our  office.
    Many types of bonds are available from Stratum Insurance Agency LLC.  Customer service bonds are also available for many service professions, such as janitorial.

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

    Other Products to Consider for a Barber Schools, Beauty Schools. Cosmetology Schools, and other similar businesses (a partial list):
    • General Liability Insurance
    • Professional Liability Insurance
    • Errors and Omissions Insurance
    • Cyber Liability and Data Breach Insurance
    • Workers Compensation Insurance
    • Employment Practice Liability Insurance
    • Workers Comp
    • Many other options available, please contact us for more information.

    * 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. CA Lic 0e52066


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    Tuesday, January 3, 2012

    SR22 Insurance - www.samedaysr22.com - DUI, DWI, OVWI Auto Insurance


    SR22 Insurance Quotes are available quickly and easy by submitting a request at www.samedaysr22.com or by calling 949-270-0609 (all other states).
    Stratum Insurance Agency LLC announces a new site for 2012 for drivers in need of SR22 Filings for their insurance.  Stratum has been serving the auto insurance community for many years, and this new site is here to help drivers with a specific need for an SR22 filing in almost every state in the US.
    www.samedaysr22.com is your source for insurance quotes and information on SR22 filings.
    Insurance with an 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).
    • Operating Under the Influence (OUI)
    An SR22 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 40 states, we can help with your SR22 filings.
    In some cases an SR22 filing may be required for receiving a ticket or being in an accident while 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.
    Our team understands that having a DUI, DWI, or tough to manage situations is already a difficult part of life, which is why we work hard to make this part of life a little easier.  Unlike some agencies that only work with clients with spotless records, we want to stick by you through the good times and the tough times.  As your driving record clears up, we can compare rates of even more companies.  Of course, we are also happy to help you with your homeowners, renters, or condo insurance as well.  If you have a boat or motorcycle, just let us know.
    Insurance ID cards and proof of insurance can often be sent in the same day through our electronic delivery system.
    Insurance Discounts are available, even with a DUI or multiple tickets (they vary by location).  When you work with a member of our team, we will work to find discounts that apply to your situation.  Remember the advance purchase discount, which is available in many states.  Purchasing a policy 2 to 7 days in advance can help reduce the price for you.
    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.
    * Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by location). Coverages and options vary by location. No insurance is offered or afforded through this posting. By reading this article or blog post, you agree to hold the author, his agency or brokerage, family, and anyone associates with Stratum Insurance Agency LLC harmless from any liability that may arise. License info at: www.stratumins.com/license.htm
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    Sunday, January 1, 2012

    SR22 Insurance and FR44 Insurance quotes available from www.samedaysr22.com

    If you are looking for an insurance quote with an SR22 filing or FR44 filings, then click over to:http://www.samedaysr22.com/ 

    Quotes are available for auto insurance and motorcycle insurance for clients with DUIs, DWIs, OVWIs, OUIs, or other tickets or violations that require SR22 filings.  FR44 filings are available for residents of states where they are required.

    Request a quote today: http://www.samedaysr22.com/

    Quotes are available in over 40 states.
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