How long do you need an FR44 Filing on your Auto Insurance?

How long do you need an FR44 Filing?

The FR44 filing is currently only required in Virginia and Florida.

Generally speaking, you need the FR44 filing for 3 years, but this can vary based on many factors, including your conviction date and other dates imposed by the DMV in Virginia or the Florida Department of Highway Safety and Motor Vehicles.  If this is a second, third, or fourth offense, you may have extended requirements.  Offenses beyond that could have other requirements.  Rules may vary by location as well, so a member of our team can review the options with you when you obtain your quote.

 As long as your insurance policy is in force (active), your FR44 should remain valid (unless you cancel it). If your policy should be cancelled at any point while you are required to have an FR44 on file, your insurance company will notify the appropriate entity, such as the DMV. If you fail to maintain the appropriate filing, you driving privileges may be suspended.  It is very important to keep the proper filings in place to avoid suspension of your license. Reinstating a suspended license can be expensive.


If you have a lapse in coverage or your FR44, you can let us know when yourequest a quote for auto insurance.  We can help clients who have had a lapse in insurance or even no prior insurance. 

Learn more by contacting us for a quote or ready

• Quotes online: www.fr44insurance.com   (FR44)
• Quotes by phone:  352-404-4445 (Florida)       949-270-0609 (Main number for quotes in over 44 states)

Stratum Insurance Agency LLC can help with auto insurance for drivers with clean records or accidents, points, and tickets, including SR22 filings and FR44 filings.

Do you have a complex situation, such as receiving a DUI in a state where you do not live?  We can help with out or state filings too.  Our personal insurance team is waiting to help you.  Contact us today for friendly and efficient service from your modern insurance agency.

Learn more about FR44 filings.

Kansas Food Truck Insurance - E-Signatures Announced

Kansas Food Trucks and Kansas Food Carts shopping for general liability insurance should contact Stratum Insurance Agency LLC for great service, great pricing, and broad insurance options. Stratum Insurance Agency LLC is announcing electronic signatures and applications for Kansas food truck insurance and food cart insurance. 


Same Day quotes are already available, but this enhanced service will help customers even more (and the environment too). Faster turn around time from quoting to obtaining proof of insurance helps business owners with limited time who want to receive the same service as some of the 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 concession stands, 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. 


 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.




Our team will take the time to review many of the broad coverage options that may be available. High limits of insurance, as well as umbrellas and excess liability policies can be purchased as well.


A variety of mobile food vendors can be quoted - and we have options for stationary vendors:

• Kansas Food Trucks - www.foodtruckinsurance.com
• Kansas Catering Trucks - www.catererinsurance.com
• Kansas Food Carts - www.foodcartinsurance.com
• Kansas Push Carts & Concessionires - www.foodcartinsurance.com
• Kansas Concession Stand Insurance - www.foodcartinsurance.com
• Kansas Mall Kiosks - www.mallkioskinsurance.com
• Kansas Vendors of other items: https://www.stratumins.com/business/concessionaire_insurance.html
• Kansas Bicycle-based Food Vendors Should also use www.foodcartinsurance.com
• Kansas And More... Specialty Businesses are Welcome

How to Request a Quote:

• www.foodcartinsurance.com
• www.foodtruckinsurane.com
• Other Businesses - www.stratumins.com
• By Phone: 949-270-0609

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.




Why work with Stratum Insurance Agency?

• Same Day Quotes
• Online Service
• E-signatures
• A large variety of coverage and policy options
• A friendly team with a passion for insurance and great service.
• Personal and Business Insurance Teams

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

Illinois Tree Trimmer Insurance, Arborist Insurance, Tree Pruner Insurance, Tree Surgeon Insurance 


 Illinois Tree Trimmer insurance is easy to find when you go to an agency that sells insurance for your industry and has a focus on small businesses. 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 (for scientific work, lab work) , then contact Stratum Insurance Agency LLC as for your professional liability insurance needs. 


  Illinois Tree Trimmers may be eligible for payment plans, including the option to pay by credit card or electronic check.


  Stratum Insurance Agency LLC represents many insurance companies that has a passion for general liability, professional liability insurance, e&o insurance (errors and omissions), and other insurances for small businesses. If you have equipment to protect, ask about contractors equipment coverage options for your wood chipper, and other portable equipment. It is important to consider 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 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 to contact with questions.  Included with many policies is access to loss control services, information-filled websites, business tips, and more.


  Request a quote:

• Quotes by Phone: 949-270-0609
• General Liability for Tree Trimmers: http://www.stratumins.com/business/tree_trimmer_insurance.html
• Professional Liability for Arborists: http://www.stratumins.com/business/tree_trimmer_insurance.html
• Already completed an application? Fax it to 949-270-0608 (we can quote from other carriers applications)

  Stratum Insurance Agency LLC can help in over 40 states. Coverage options may vary by location. In CA, lic #0e52066.