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Robert W Schmidt & Company e-Newsletter

Your Insured's Can not Afford to NOT Have Insurance

Picture this: At an uninsured home child care business, a child chokes on a small object. The owner calls for help, but the child is left with permanent brain damage and the parents file a negligence lawsuit. The homeowner's insurance carrier denies coverage, stating that the owner was running a business in the house, and the homeowner's policy excludes coverage for injuries resulting from business activities. The reality? This actually happened.

We can provide comprehensive coverage for residential child care centers at competitive rates. Of the 157,479 residential child care providers in the U.S., many do not purchase coverage for their business. They might believe their homeowner's policy provides adequate coverage or simply feel they cannot afford coverage.

Robert W Schmidt & Company e-Newsletter

Coverages available include: Commercial General Liability, Professional Liability, Molestation and Abuse, Defense Reimbursement Coverage, Hired & Non-Owned Auto Liability and Property Coverage.

We can write:

  • Risks with pets
  • Risks with off premises swimming activities at public pools
  • Risks with wading pools 24 inches in depth or less
  • Risks with special needs children
  • Risks that accept children on a drop in basis

Product Advantages:

  • No liability deductible
  • Admitted product in many states
  • Ability to provide Defense Reimbursement for alleged acts of the insured including employees
  • Medical Payment Coverage is provided on a primary basis for children enrolled at the center for no additional premium
  • A.M. Best rated A++ carrier
  • Low minimum premiums

Available Limits:

  • Maximum property value of $3,000,000 in protection class 1-8
  • Maximum property value of $1,000,000 in protection class 9-10
  • Liability limits up to $1,000,000 Occurrence/$3,000,000 Aggregate
  • Professional included in the General Liability Limits
  • Abuse and Molestation limits up to $100,000/$300,000
  • $5,000,000 additional capacity available for Excess General Liability or Umbrella Coverage

Please remind your insureds that a homeowner's policy isn't enough!

We can also write Commercial Child Care and Nursery Schools!

Need a quote? We'll get it to you fast!
Check out our website or give us a call for an application today!


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Robert W. Schmidt & Company
155 S. Executive Drive, Suite 204
Brookfield, WI 53005-4219
Toll Free: 800-361-4011
Phone: 262-790-4011 RWSins@RobertWSchmidtCo.com

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