insurance: Holiday Light Installer Insurance - 09/09/21 06:16 PM
Christmas light installer insurance and holiday light installer insurance are now available for instant purchase online
Before you refer one of you clients or homeowners to a light installer, you will want to make sure that the installer has liability insurance, at a minimum.  You can now send light installers to the link below to by short-term or monthly general liability insurance.
Buy Christmas Light Installer Insurance Online Here
 
Why should a real estate agent care about Christmas light installer insurance?
As a real estate agent, you might be helping your clients, both commercial and residential that need services.  You may be recommending service providers … (1 comments)

insurance: Christmas Light Installer Insurance - 10/13/20 09:06 PM
Christmas light installers, like other businesses, need general liability insurance.
Before you allow someone to do work for you this holiday season, make sure that they have general liabilty insurance.
Great News - there is a short-term insurance option available for this industry.  Since many of them work just during the holiday season, they can purchase coverage for just a few days or on a monthly basis.
Sometimes people do not think of a light installer like other contractors, but there is risk of property damage and potential liability claims.  A single slip and fall claim could put a homeowner's house at risk.
 
Why should … (0 comments)

insurance: Insurance for Photographers - 08/13/20 09:04 PM
What is photographer insurance?
Insurance for photographers generally conains several parts:
General liablity insurance Professional liaiblity insurance (known also as E&O insurance for photographers) Property insurance (which can protect equipment) Cyber Liability (a newer and optional coverage that photographers should consider)  
As a real estate agent, why should you be concerned about a photographer having insurance?
Like any business owner, you want to work with people that are insured.  If you are hiring a photographer to take photos of a home or building that you are listing, then you want to make sure that the photographer has insurance.  Think about this situation: a … (0 comments)

insurance: Real Estate Agent General Liability Insurance - 08/10/20 05:34 PM
Real Estate agents also need general liability insurance.
 
General liability for real estate agents is no longer hard to find.  Whether you work from home or from an office, you still need general liability insurance to protect yourself.  You can also insure you property, such as your furniture and computers.
 
Are both real estate agencies and individual agents eligible?
 
Yes, you can purchase the general liability insurance for yourself if do not own an agency.  If you are a single agent that is an indepedent contractor or if you are your own broker, you still have risk as … (0 comments)

insurance: What homeowners insurance discounts are available? - 04/14/20 10:11 PM
There are several discounts available with a homeowners insurance quote
 
The BundleSave up to 15 percent when you combine your homeowners and auto policies as part of a package.  When you call 866-347-8683 for a quote, you can quote your home and auto insurance together,Multiple Policy DiscountSave even more with a multiple policy discount when you also add coverage for your motorcycle, RV, boat, landlord property, or umbrella policy.Homes Less Than 10 Years OldQualify for a newer home discount when your house is less than 10 years old.
 
Plan Ahead
Ask the representative if an advanced purchase discount is available.
 
Choose a Higher DeductibleIt's becoming more common … (0 comments)

insurance: First Time Home Buyer Insurance - 07/12/16 03:33 AM
First Time Home Buyer Insurance
If you're purchasing your first home you probably have a long checklist of things that you need to do. Insurance is one of those important things that many people do not look into until the last minute. 
The team at Stratum Insurance Agency  has helped many first time home buyers with their insurance. Your home is likely the biggest asset in your life, therefore you do not want to simply look for the lowest price to protect your biggest investment. There are a large selection of coverage options available for home. Our team can customize a policy to meet … (3 comments)

insurance: Why do property managers need insurance? - 08/13/15 02:47 PM
Why does a property manager need professional liability insurance?Stratum Insurance Agency LLC can help with this type of insurance.
There's a long list of potential claims, but here are just a few:
Discrimination Failure to collect rents on time Mishandling of funds Failure to complete repairs Failure to run background checks on tenants If you are dealing with tenants, you have risk in your business.  General liability is only a small piece of the puzzle.    The examples above are not covered by general liability insurance.
 
 
How to buy property manager insurance? Professional Liability - download the application General Liability  - apply online … (0 comments)

insurance: Why real estate agents need cyber liability insurance - 04/13/14 03:58 PM
Cyber liability insurance is not only for businesses that operate online.  Cyber liability is the common expression for insurance for privacy and data breaches.
Real estate agents and brokers gather enough personal information that they should be concerned about a breach.
This is how information can get into the wrong hands.  Imagine one of these situations:
you help a client fill out an application at a coffee shop and a paper with personal information is left at the shop your leave paperwork on your desk and the janitorial crew comes in at night and copies the information you carry a USB … (0 comments)

insurance: Cyber Liability Insurance for Real Estate Agents - 03/21/14 07:42 AM
The real estate industry collects a great deal of data that puts it at extreme risk for a data breach and cyber liability. Stratum Insurance Agency can help professionals such as real estate agencies with a cyber liability and data breach policy to protect their businesses in the event of a breach.  Real estate professionals maintain a large amount of data that is at risk.  Simply having names and addresses is enough to hold you liable, but add in the information collected on an application, such as birth dates and social security numbers, and the risk grows exponentially.  Just think about … (0 comments)

insurance: Real Estate Agent Professional Liability in 49 States - 04/24/13 03:59 PM
Real Estate Agent Professional Liability in 49 States  
Stratum Insurance Agency LLC can help with real estate agent and broker E&O in 49 ssates.
Why buy E&O insurance as a real estate agent or broker?
Even if a claim is ruled in your favor, the cost to defend a lawsuit can destroy a business.  With the recent pick up in the real estate market, you are likely to see more transactions.  While this is a good thing, it also leads to more potential claims.   Remember, most general liability policies have an exclusion for professional liability, meaning that it DOES … (1 comments)

insurance: Home-Based Business Insurance - 10/31/11 04:31 AM
Home-Based Business Insurance is available for quoting in over 40 states with the team at Stratum Insurance Agency LLC. We can quote over 500 home based businesses. For certain types of businesses, there are different policies available. In some cases, the policies can included both general liability and professional liability at a very competitive price.  Home-based business insurance is designed for individuals who work from a home office or run a business from their homes.  Employees or independent contractors are allowed under some policies. 
The businessowners policies designed for home-based businesses can offer a combination of general liability insurance, business personal … (0 comments)

insurance: Food Truck Insurance, Food Cart Insurance, Same Day Quotes, E-Signatures - 10/26/11 04:20 AM
Food Trucks and Food Carts should contact Stratum Insurance Agency LLC for their liability insurance needs. Stratum Insurance Agency is announcing electronic signatures and applications for food truck insurance and food cart insurance. Same Day quotes are already available, but this new service will help customers even more. Faster turn around time from quoting to purchasing helps business owners with limited time who want to receive the same service as some of the larger competitors.
Our 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 … (0 comments)

insurance: Referral Group Insurance & Networking Group Insurance - 05/31/11 08:21 PM
Referral Group Insurance can provide a large selection of protections based on the needs of the group. Referral groups are organizations that businesses use to exchange business referrals. They generally meet weekly or monthly and often have a structure to help organize the members.
Quotes By Phone: 949-270-0609
Stratum Insurance Agency LLC sells referral group insurance and membership club insurance in over 35 states. Quotes are available in the same day.
Non-profit organizations, social services, and entities with any type of board or officers should consider these valuable insurances:
Directors and Officers Insurance Employment Practive Liability Insurance (may include volunteers) Fiduciary … (0 comments)

insurance: Arborist Insurance, Tree Trimmer Insurance, Tree Surgeon Insurance - 05/31/11 02:29 PM
Arborist Insurance, Tree Trimmer Insurance, Tree Surgeon 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, tree trimmer, tree surgeon,  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. It is important purchase both professional liability insurance and general liability insurance due to the … (0 comments)

 
David Baker, Small Business and Personal Insurance in 49 States (Stratum Insurance Agency, LLC)

David Baker

Small Business and Personal Insurance in 49 States

Las Vegas, NV

More about me…

Stratum Insurance Agency, LLC

Address: 10620 Southern Highlands Pkwy, Steui 110-276, Las Vegas, NV, 89141

Office: (949) 270-0609



Listings

Links

Archives

RSS 2.0 Feed for this blog