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Monday, February 27, 2012

Missouri Beauty Professional Insurance, Manicurist Insurance, Barber Insurance, Cosmetologist Insurance & Hair Stylist Insurance

Missouri Beauty Professional Insurance, Manicurist Insurance, Barber Insurance, Cosmetologist Insurance & Hair Stylist Insurance

Stratum Insurance Agency LLC can help Missouri  beauty professionals, including barbers, hair stylists, manicurists, masseuses / masseurs, facialists, and more. Quotes are available by phone at949-270-0609 or online at the Beauty Insurance Quote Link.
Beauty professionals often work at multiple locations, which is why the team at Stratum sells different policies, to help find coverages that match the unique needs of different individuals and businesses in over 40 states. Beauty Insurance, Barber Insurance, Stylist Insurance
Whether you work at home, work at various locations or "rent a chair or station" at a salon that is owned or leased by someone else in one of the, below, we can assist. For example, a hair stylist may rent a chair at a local beauty salon that he or she does not own or a masseuse may travel to different locations to see clients. Home-based businesses either that have customers to their homes or travelout are also invited to obtain a quote.
What Missouri professions are eligible (partial list):
  • Hair Stylists
  • Barbers
  • Cosmetologist
  • Manicurists / Nail Professionals / Pedicurists
  • Masseuses / Masseurs
  • Waxing Professional
  • Facialist
  • Esthetician
  • Aesthetician
  • We also sell insurance for many other professions at: www.stratumins.com/business/
Two Types of Insurance are often included in the Quote (options may vary by policy and or location):
  • General Liability Insurance - to protect against claims from bodily injury or property damage.
  • Professional Liability Insurance (Errors and Omissions) - to protect you in the event of a claim that arises from a professional service that you perform.
Do I need both types of insurance - E&O and General Liability?


Yes, in most cases. In these professions, the lines of general liability and professional liability (E & O) may be blurred, so it is important to purchase both coverages to protect yourself adequately. As only you know your entire financial and business situation, you should consider the many types of insurance available.  Due to the nature of the professions, general liability coverage may not be enough to cover bodily injuries that may occur, thus professional liability (E&O Insurance) is also highly recommended and can be added to most quotes.
Other Types of Coverage that may be  Available (this is only a partial list, many other options are available):
  • Business personal property and equipment coverage (for your beauty tools)
  • Coverage for equipment and tools off the premises
  • Data Breach Coverage
  • Non-owned / Hired Autos
  • Employee Dishonesty Coverage
  • Money and Securities Coverage
  • Building Coverage - if you own or are legally responsible for a building
Are quotes available in other states?
Yes! Quotes are available in over 44 states with many types of coverage.  Payment plans are available on most quotes, including bill by mail and automatic checking account deduction.


Request an Missouri Insurance Quote
If you own a salon, please use this page: https://www.stratumins.com/business/retail_store_insurance.html


What about my personal insurance?
Our team would love to be your personal insurance agency as well.  You can request quotes for many types of personal insurance at http://www.stratumins.com.  Quotes are available for homeowners and renters insurance, as well as auto, cycle, and watercraft insurance,

Same Day Quotes are Available in Most 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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Texas Food Truck Insurance E-signatures Announced

Texas Food Trucks and Texas Food Carts shopping for general liability insurance should contact Stratum Insurance Agency LLC . Stratum Insurance Agency is announcing electronic signatures and applications for Texas food truck insurance and food cart insurance. Same Day quotes are already available, but this new service will help customers even more (and the environment too). Faster turn around time from quoting to purchasing helps business owners with limited time who want to receive the same service as some of their larger competitors.

Stratum's goal is to help the mobile food industry with their insurance needs, quickly and efficiently.   From hot dog carts, to gourmet shaved ice, to food trucks, the team at Stratum is committed to helping small businesses, whether mobile, office-based or retail-based. Same day quotes are available in over 40 states. We work with different insurance carriers to help you find the type of policy that you are seeking.  Stratum's broad product offerings make it so   that different mobile food vendors have a variety of coverage options and limits from which they can choose.  Applications can be signed electronically (via e-signature) offering the ability to quote and purchase in the same day.

A variety of mobile food vendors can be quoted:
How to Request a Quote:

Coverage options and availability vary by location.

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. We can help small businesses that are as small as one owner. As you grow, we will build our relationship.

Disclaimers: No coverage is issued through this electronic posting.
*These are generic minimal definitions, please consult your insurance agent and policy documents for more information. Coverages, options, and policy forms may vary by location and carrier.

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Wednesday, February 22, 2012

Arizona Manicurist Insurance, Beautician Insurance, Barber Insurance, Salon Professional Insurance

Stratum Insurance Agency LLC can help Arizona  beauty professionals, including barbers, hair stylists, manicurists, masseuses / masseurs, facialists, and more. Quotes are available by phone at 623-691-7900 (Arizona) or online at the Beauty Insurance Quote Link.

Beauty professionals often work at multiple locations, which is why the team at Stratum sells different policies, to help find coverages that match the unique needs of different individuals and businesses in over 40 states. Beauty Insurance, Barber Insurance, Stylist Insurance
Whether you work at home, work at various locations or "rent a chair or station" at a salon that is owned or leased by someone else in one of the, below, we can assist. For example, a hair stylist may rent a chair at a local beauty salon that he or she does not own or a masseuse may travel to different locations to see clients. Home-based businesses either that have customers to their homes or travelout are also invited to obtain a quote.

What Arizona professions are eligible (partial list):
  • Hair Stylists
  • Barbers
  • Cosmetologist
  • Manicurists / Nail Professionals / Pedicurists
  • Masseuses / Masseurs
  • Waxing Professional
  • Facialist
  • Esthetician
  • Aesthetician 
  • We also sell insurance for many other professions at: www.stratumins.com/business/
Two Types of Insurance are often included in the Quote (options may vary by policy and or location):
  • General Liability Insurance - to protect against claims from bodily injury or property damage.
  • Professional Liability Insurance (Errors and Omissions) - to protect you in the event of a claim that arises from a professional service that you perform.
Do I need both types of insurance - E&O and General Liability?
Yes, in most cases. In these professions, the lines of general liability and professional liability (E & O) may be blurred, so it is important to purchase both coverages to protect yourself adequately. As only you know your entire financial and business situation, you should consider the many types of insurance available.  Due to the nature of the professions, general liability coverage may not be enough to cover bodily injuries that may occur, thus professional liability (E&O Insurance) is also highly recommended and can be added to most quotes.

Other Types of Coverage that may be  Available (this is only a partial list, many other options are available):
  • Business personal property and equipment coverage (for your beauty tools)
  • Coverage for equipment and tools off the premises
  • Data Breach Coverage
  • Non-owned / Hired Autos
  • Employee Dishonesty Coverage
  • Money and Securities Coverage
  • Building Coverage - if you own or are legally responsible for a building
Are quotes available in other states?
Yes! Quotes are available in over 44 states with many types of coverage.  Payment plans are available on most quotes, including bill by mail and automatic checking account deduction.

Request an Arizona Insurance Quote
If you own a salon, please use this page: https://www.stratumins.com/business/retail_store_insurance.html

What about my personal insurance?
Our team would love to be your personal insurance agency as well.  You can request quotes for many types of personal insurance at http://www.stratumins.com.  Quotes are available for homeowners and renters insurance, as well as auto, cycle, and watercraft insurance,

Same Day Quotes are Available in Most 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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Monday, February 13, 2012

Virginia SR22 Filing with Insurance Lapse - ;www.samedaysr22.com

Do you need an SR22 filing in Virginia because your auto insurance lapsed? Stratum Insurance Agency LLC can help with SR22 filings in Virginia as well as over 40 other states.

The team at Stratum Insurance Agency LLC can compare the rates of many Virginia auto insurance carriers to help you find a new policy.  Even if you have been dropped from your current auto insurance carrier because of a lapse in insurance, tickets, or other reasons, our team can help.  Are you looking for an insurance agency that is dedicated to you and will stick with you through the great times and tough times? By working with many carriers, we can provide quotes for a variety of coverage options, including both personal auto insurance and commercial auto insurance with SR22 filings.

What discounts are available for Virginia Auto Insurance Customers (with our without and SR22 filing)?
Many discounts are available for homeowners, mobile home owners, college graduates, certain professions, low annual mileage and more.  If you have previous insurance, you may qualify for a discount for having continuous insurance too.  Even if you have a lapse in insurance, depending on the number of days in the lapse, discounts may be available. The list of potential discounts available on auto insurance is long, which is why one of our team members will work hard to help locate them.

Can I get a discount for combining my home, condo, renters and auto insurance?
Yes.  Multipolicy discounts are available.  If you ride a motorcycle ask about available savings too.  Another great advantage of combing your insurance policies with one carrier is the option for a single bill.

The agency is here for you for the long-term, take he first step to becoming a member of our family of customers today by requesting a quote.

How to obtain a free Virginia Auto Insurance Quote:
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Friday, February 10, 2012

Virginia Auto Insurance SR22 with a Lapse

If you have a lapse in insurance and are in need of Virginia Auto Insurance with an SR22, Stratum Insurance Agency LLC is your go to team for a quote.  Same day quotes and proof of insurance are available, in most cases.  Out of state SR22s are also available for residents of Virginia who need an SR22 sent our of state or for residents of another state that need an SR22 sent to Virginia.


Phone Quotes: 949-270-0609
Online Quotes: Virginia Auto Insurance with an SR22

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Tuesday, February 7, 2012

Arkansas Auto Insurance - DUI, SR22, Tickets, and Accidents - Learn about Discounts

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

Arkansas 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.

Many 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. The list of potential discounts available on auto insurance is long, which is why one of our team members will work hard to help locate them.

Ask us about multipolicy discounts by having us quote your auto insurance along with your renters, home, or condo insurance.  Mobile home and manufactured home owners are also eligible in many cases.

Stratum Insurance Agency works to stay with you through good and bad times and as your driving record and other needs change, we can help locate the insurance that you are seeking. 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 Arkansas 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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Monday, February 6, 2012

Notary Errors and Omissions Insurance–$250,000 $500,000, $1,000,000

Notary Errors and Omissions Insurance – Higher Limits of Insurance

Notaries are seeing themselves in need of higher limits of errors and omissions insurance (E&O) insurance due to contracts, rules from signing agencies, lenders, escrow companies, or other reasons. While many notaries may purchase a low limit of errors and omissions insurance along with their bond, this may not be enough to protect themselves and their businesses, nor does it always meet contract requirements.

Notary Errors and Omissions insurance is available for quoting in over 40 states with the team at Stratum Insurance Agency LLC. 

What limits of insurance are available for Notary Errors and Omissions insurance:

Limits as low as $5,000 and as high as $5,000,000 are available on most primary policies, and if you need higher limits, up to $50,000,000, we can help through excess or umbrella policies.  Sample limits of insurance include $100,000, $250,000, $300,000, $500,000, $750,000, and $1,000,000. 

 

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 business.  If you are in need of E&O insurance limits higher than those offered under the home-based business option, a stand alone E&O policy option is available.

Request a quote at: http://www.stratumins.com/business/notary_insurance.html

 

Other options available for Notaries seeking insurance:

  • 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.

Home-Based vs Office Based Policies

Home-based insurance policies for notaries seeking general liability insurance are also available.  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.  Stand-alone policies can be quoted to help find the combination of a coverage that you are seeking.

Quote Requests are available online at:

Most Quotes are returned in the same day.

    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, February 1, 2012

    Utah Condo Insurance (ho6)–Landlords, Owner Occupied

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