Insurance for Property Preservationists

Do you have a vendor asking you for insurance as a property preservation professional?

You're likely finding that you are being asked to provide both general liability and professional liability on a Certificate of Insurance. You have choices for this type of insurance, especially when you contact Stratum Insurance Agency. We are one of the only agencies to offer the two-year property preservation professional liability insurance policy. With the two-year term, you can lock in your rate and shoes from any easier payment plan.

For general liability, we have a policy that can offer you additional coverage options as well, including lost key coverage, and a property damage extension. If you are not familiar with the property damage extension, ask a member of our team when contacting us for a quote.

We make the entire process of getting a quote for your property preservation or mortgage field inspecting business very easy to our modern online insurance application.

How do I get a quote for property preservation general and professional liability?

Click here to get a quote online for insurance as a property preservation in store mortgage field inspector: https://stratuminsurance.com/property-preservation-insurance/

Employment Practices Liability Insurance - Why Buy It?

Why buy employment practices liability insurance?

In this part of our series, we are going to look at several reasons that employees or even people that you interview but do not hire can sue you.  Keep in mind that this is a small list and that the list of potential claims is so long, that we could not address them in just one article.

Potential Employment Practices Liability Claims:

• Discrimination
• Not hiring or promoting someone due to his or her age, race, sex, or religion
• Inter-office humor gets out of control, resulting in charges of racism
• Employees sue for a hostile work environment
• A third party sues because he or she claims racial discrimination
• A potential new hire claims that he or she was discriminated against even though you simply choose to hire a more qualified candidate

Do you think that your company is too small to consider EPLI?  Did you know that a laege percentage of EPLI claims occur at companies with under 1000 employees?

Request a quote for EPLI from Stratum Insurance Agency LLC.  Quotes are available in 49 states for both private companies and non-profit businesses.  Most customers will also have access to valuable resources, such as hotlines or free consultations from human resources professionals.  

Why choose Stratum Insurance Agency LLC for your employment practices liability quote?

• We work with multiple carriers to help you compare both prices and coverage options.
• Stratum's small business team can help businesses with 1 employee, 100 employees, or more than 1000 employees.
• Stratum works to bring access to loss control resources to our small business clients, such as free consultations from human resources firms, training services, and background checks either for free or at a discounted rate.
• Stratum's modern technology helps us to obtain most quotes within 24 hours.
• Stratum can help with tough to insure industries for EPL, including restaurants and law firms.

Speak to a member of the small business team by calling 949-270-0609 or request a quote for EPLI online.

Notary E and O Insurance $500,000 and $1,000,000 limits available

Notary E and O Insurance

Individual Notary Errors and Omissions Insurance with High Limits of Insurance is now available from Stratum Insurance Agency in 49 states, with options for errors and omissions insurance, general liability insurance, and more.  Limits as low as $50,000 as high as $5,000,000 are can be selected.  Choose from E&O insurance limits of $100,000,  $250,000, $500,000, $1,000,000 and $2,000,000.  Most quotes are available in the same day.  Notary signing agencies are also invited to request a quote.

Notaries are now finding that  contracts from mortgage companies, title companies, or escrow companies requiring higher limits of insurance  – That’s where the Small Business Team from Stratum Insurance Agency LLC  comes in to assist.  

notary_insurance

Individual notaries are also invited to obtain a quote, with E&O insurance limits as low as $5,000.

Consider a business owners policy along with professional liability insurance for a notary business.Below are some of the additional coverage options that can be added to a business owners policy, along with general liability insurance.  

• Employee Theft - Employee theft represents a significant exposure. Client files and other legal documents often contain sensitive, secret and valuable information that may be misused by employees.
• Documents may be lost – ask about coverage for “Personal Property of Others” which can apply while a client’s physical documents are in your care, custody, or control.
• Data Breach Coverage – Valuable data may be stolen and simply the cost of notification can hurt a business to the point of putting it out of business.

Identity Theft coverage is often include on a business owners policy.  Review your quote in detail for more information.

Home-based notaries that travel out may be eligible home-based business policy starting at a very competitive price. This option includes general liability and $25,000 of errors and omissions insurance.

Notary Bonds Only are also available.

How to obtain a quote for Notary Insurance (available in all states except MA):

• Notary E and O Insurance: https://www.stratumins.com/business/notary_insurance.html
• By Phone: 949-270-0609
• Notary Bonds Only

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

Beauty Professional Insurance, Manicurist Insurance, Barber Insurance, & Hair Stylist 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. 

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

• Online: https://www.stratumins.com/business/beauty_insurance.html
• 623-691-7900 (Arizona)
• 949-270-0609 (Any state),

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.

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:

• Notary E&O Insurance: http://www.stratumins.com/business/notary_insurance.html
• Home Based Business Insurance for General Liability for Notaries: https://www.stratumins.com/business/home_based_business.html
• Office or Retail-Based Notaries: http://www.stratumins.com/business/index.html
• Phone Quotes: 949-270-0609

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.

Home Staging Insurance - Professional Liability (E&O), General Liability, EPLI, Workers Comp

Home Staging Insurance - Professional Liability (E&O), General Liability, EPLI, Workers Comp

Contact: Stratum Insurance Agency, LLC - (949) 270-0609

Home Staging Insurance policies may contain several lines of coverage to protect the professional providing the service.   These may include general liability insurance, professional liability insurance (E&O), and workers compensation (amongst other policy offerings).  Individuals and businesses that stage homes generally provide a service where they make a home more attractive when it is up for sale.  This has become a very valuable part of the home selling process, as people try to make their homes stand out from the others by showing the usability of the space.  Those who stage the homes may also be interior designers.  Home Staging professionals 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.

Stratum Insurance Agency is able to provide quotes for home staging insurance either over the phone or by email through a simple quote request.  A great additional coverage available for both home staging professionals and interior designers is coverage for your business personal property (such as furniture) that is away from your premises or at another location.  Many policies only provide coverage for your items while they are at a location listed on your policy, and this puts your items at greater risk.  The business owners policy for home staging and interior design offers a variety of great coverages that go far beyond basic general liability.



Potential Home Staging Claims (this is a very small partial list)

• Failure to complete a project on time
• A claim that a property did not sell in a timely fashion due to poor staging
• Placing an item in a location that results in bodily injury
• Recommending a supplier that fails to deliver
• Loss of your own property due to a fire
• Many other possibilities

Sample claims information is available on the quoting site.

What if you have employees?


Businesses that have employees are generally required to purchase workers compensation insurance as well (rules vary by location). 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 home staging insurance quote request.

Designers 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.

Several coverage options for interior designers may include:

• General Liability Insurance / Business Owners Policy
• Professional Liability Insurance
• Commercial Auto Insurance
• Property Insurance - for your inventory at AND away from your office
• Non-Owner/Hired Autos Coverage
• Workers Compensation Insurance
• EPLI
• Directors and Officers Insurance
• And more...

Request a quote for Interior Designer Insurance:

• ONLINE: https://www.stratumins.com/business/home_staging_insurance.html
• BY PHONE: 949-270-0609 (all states)        352-404-4445 (East Coast)

Stratum Insurance Agency, LLC is licensed in more than 29 states, so it is able to help clients from just one location to many.

* 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. In CA Lic #0e52066.

Management Consultant Insurance, Marketing Consultant Insurance, HR Consultant Insurance

Management Consultants, Marketing Consultants, and HR Consultants Insurance is easy to find when you contact Stratum Insurance Agency LLC. Professional liability Insurance and general liability insurance are both important to product you and your business. Too often, consultants purchase only general liability insurance, which, although an important part of insurance protection, does provide all of the coverage that they need. Professional Liability insurance (errors and omissions insurance) is designed to help protect against claims that result from third parties suffering a financial loss.

If you are a consultant seeking insurance, then contact Stratum Insurance Agency LLC. The agency represents multiple insurance companies that specialize in professional liability insurance, e&o insurance (errors and omissions), and other insurances for specialized professions. Quotes are available in over 30 states and can usually be sent in the same day.

Policies may be purchased separately or together and it is important purchase both professional liability insurance and general liability insurance because most general liability policies have an exclusion for professional services. This gap in coverage can leave your vulnerable. If you have employees, Stratum Insurance Agency can also quote employment practice liability insurance (EPLI) and workers compensation. You may also consider crime insurance for your business.

What other value added services come when you purchase a policy through Stratum Insurance Agency LLC?

Stratum has worked to align itself with top-rated insurance carriers that offer both great coverage options and additional services for our clients. Some of these great services may include:

• Free or largely discount background checks for employers
• Loss Control Services
• Sample Waivers and Agreements
• Sample Claims Scenarios (click this link and then choose Claims Scenarios for the professions referenced here)


Requesting and Insurance Quote is Easy (most quotes are available in same day):

• Quotes by Phone: 949-270-0609
• Online Quotes:
• Management Consultant Insurance
• Marketing Consultant Insurance
• HR Consultant Insurance
• Already completed an application? Fax it to 949-270-0608 (we can quote off other carriers applications)

Contact Stratum Insurance Agency LLC for a quote today.

Arborist Insurance and Horticulturalist Insurance - professional liability and general liability insurance

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. The agency represents several insurance companies that specialize in professional liability insurance, e&o insurance (errors and omissions), and other insurances for specialized professions.

Policies may be purchased separately or together. It is important purchase both professional liability insurance and general liability insurance due to the risks that exist in the arborist industry.

• Quotes by Phone: 949-270-0609
• Online Quotes: http://www.arboristinsurance.com/
• Already completed an application? Fax it to 949-270-0608 (we can quote off other carriers applications)

Stratum Insurance Agency LLC sells this product in over 25 states. Coverage options may vary by location. In CA, lic #0e52066.

Insurance Agents and Brokers Professional Liability Insurance - E&O Insurance

Insurance Agents and Brokers Professional Liability Insurance - E&O Insurance  

Stratum Insurance Agency, LLC can quote insurance agents and brokers professional liability insurance, also know as information technology errors and ommissions insurance or e and o insurance, in over 29 states. The simple to use site allows clients to request quotes quickly and easily. Of course, they can help with general liability and commercial auto insurance too.

Downloadable insurance applications are available on the site for many states. If it is not online, simply contact us on the site for an application. One will be emailed to you quickly.  

By having access to multiple professional liability insurance carriers in many states, Stratum can help clients who operate a large variety of businesses.

Errors and Ommissions Insurance is crucial for business owners to protect themselves. The cost of legal defense alone can put a company in great financial peril, with costs getting even worse in the event of losing a claim. While many businesses may have commercial general liability insurance or a business owners package, they may not properly be protected in the event of a claim resulting from a professional service, hence the need for professional liability insurance.

  

Other Types of insurance available alone or in a package:

- Commercial General Liability Insurance
- Commercial Auto Insurance
- Property Insurance
- Workers Compensation Insurance
- Bond of Insurance Broker

QUOTES

• Online Insurance Agents Professional Liability (E&O) Insurance Quotes: https://www.stratumins.com/business/insurance_agent_e_and_o_insurance.html
• Other General Liability and Professional Insurance Quotes: https://www.stratumins.com/business/
• Phone: 949-270-0609

* 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.

Professional Liability Insurance - E&O Insurance

Professional Liability Insurance - E&O Insurance

Stratum Insurance Agency, LLC can quote professional liability insurance (errors and ommissions insurance) for over 250 types of businesses. With quotes available in 48 states (updated in 2012), Stratum Insurance can help clients with many types of insurance. The simple to use site allows clients to request quotes quickly and easily.

Clients that make their requests online will quickly receive a call from an agent to go over the quote and options. By having access to multiple professional liability insurance carriers in many states, Stratum can help clients who operate a large variety of businesses.

Errors and Ommissions Insurance is crucial for business owners to protect themselves. The cost of legal defense alone can put a company in great financial peril, with things getting even worse in the event of losing a claim. While many businesses may have commercial general liability insurance or a business owners package, they may not properly be protected in the event of a claim resulting from a professional service.

Other Types of insurance available alone or in a package:

- Commercial General Liability Insurance
- Commercial Auto Insurance
- Property Insurance
- Workers Compensation Insurance
- Surety Bonds


Online Professional Liability Insurance Quotes: http://www.stratumins.com/business/

Phone: 949-270-0609




A partial list of businesses that need professional liability or general liability coverage:


Adult Residential Care
Ambulance Programs
Allied Health
Amateur Sports
Architects
Auctioneer
Audiologists
Body Piercers
Car Dealerships
Car Wash (mobile and facility based)
Career Coach
Claim Adjuster
Computer Technology Consultant
Corporate Trainer
Court Reporter
Day Care Centers
Day Spas
Dog Groomer
Document Analyst
Employee Benefits Consultant
Employment Agencies
Energy Consultant
Engineers
Escrow Agents
Head Start Programs
Facilities Cleaning / Housekeeping Business
Financial Planner / Consultant
Fundraising Consultant
Gardening (residential and commercial)
Genealogical Investigator
Graphic Designer
Grant Coordinator
Grant Writer
Handwriting Analyst
Head Start Programs
In Home Day Care
Insurance Agent
Insurance Broker (including bonds)
Insurance Consultant
Interior Designer
Laser Hair Removal
Lifeguard
Massage Therapist
Medical Office
Medical Professional Liability Insurance
Medi Spa
Mobile Businesses
Motorcycle Dealerships
Mortgage Brokers and Bankers
Notary Public
Personal Trainer & Fitness Instructor
Pest Control
Physical Therapist
Pool Monitor
Printer
Process Server
Professional Employee Organization
Property Managers
Public Relations Consultant
Real Estate Appraisers
Real Estate Brokers
Recruiter - Search Firm
Relocation Agent
Resume Service/Typing
Risk Manager
Safety Inspector
Safety - Loss Control Consultants
Scuba Instructor
Senior Living
Social Services
Sports Instructor
Spa/Salon Services
Speech Pathologists
Stenographer
Swim Instructor
Tanning Salons (retail or office)
Tanning Salons (mobile)
Tattoo Artists
Technical Writer
Telecommunications Consultant
Temporary Staffing Agency
Termite Inspector
Ticket Broker
Tour Operator
Trainer - fitness and non-fitness
Travel Agent
Trustees
Tutor
Web Designers and Web Hosts
OVER 250 CLASSES / BUSINESS AVAILABLE -- CONTACT US




* 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. License info at: www.stratumins.com/license.htm