Trouble Seeing this Email? Try viewing it in a web browser.

Robert W Schmidt & Company e-Newsletter

Our Personal Umbrella Products

Personal Umbrella for Celebrity Applicants

This product targets high profile applicants who may be nationally recognized (professional athletes and coaches, fortune 100 CEO's, musicians, actors, producers, directors, authors).

Product advantages:

  • True umbrella coverage
  • No self-insured retention
  • Worldwide coverage
  • Broad definition of bodily injury
  • Personal injury coverage included
  • UM/UIM coverage available
  • AM Best rated A++ carrier
Yellow umbrella.

Eligible Risks:

  • Operators 90 years of age or older
  • Households with up to 10 violations and 5 accidents
  • Operators between ages of 23 and 75 who have had up to 4 violations and 3 accidents
  • Operators under 23 or over 75 who have had up to 2 violations and 2 accidents
  • Households with up to 2 drug and/or alcohol related offenses (0 for operators under age 23)
  • Households with up to 3 major convictions
  • Individual operators with up to 2 major convictions
  • Risks in the name of a trust, estate, LLC or LP
  • Watercraft up to 75 feet not capable of speeds in excess of 50 mph
  • Residences with protected swimming pools
  • Unlimited number of vehicles

Minimum attachment points:

$500,000 CSL or $500/$500/$100 split limits for all exposures

Personal Umbrella for Farm/Ranch Owners

This product targets family owned and operated farms, as well as farms leased to others.

Product advantages:

  • True umbrella coverage
  • Automatically includes personal injury protection when covered by underlying insurance
  • Coverage for farm vehicles
  • AM Best rated A++ carrier
  • Worldwide coverage
  • Broad definition of bodily injury
  • UM/UIM coverage available

Eligible Risks:

  • Trusts, estates, LLC, family or limited partnerships as named insured

Minimum attachment points:

  • $500,000 combined single limit (CSL) for farm owners and personal liability exposures
  • $500,000/$500,000/$100,000 or $500,000 CSL for auto exposures
  • $250,000/$500,000/$100,000 or $300,000 CSL for all other exposures

Personal Umbrella for High Risks Drivers

This product is designed to insure risks that are typically placed in the non-standard auto market.

Product advantages:

  • True umbrella coverage
  • No self-insured retention
  • Worldwide coverage
  • Personal injury protection automatically included when provided by underlying coverage
  • UM/UIM coverage available
  • AM Best rated A++ carrier

Eligible Risks:

  • Operators 90 years of age or older
  • Applicants who are considered high profile
  • Households with up to 10 violations and 5 accidents
  • Households with up to 2 drug and/or alcohol related offenses
  • Households with up to 3 major convictions
  • Individual operators with up to 2 major convictions
  • Risks in the name of a trust, estate, LLC or LP
  • Watercraft up to 75 feet not capable of speeds in excess of 50 mph
  • Residences with protected swimming pools
  • Applicants with open liability claims

Minimum attachment points:

  • $250,000/$500,000/$100,000 or $300,000 CSL for personal liability and recreational vehicles
  • $500,000/$500,000/$100,000 or $500,000 CSL for all automobile exposures
  • $250,000/$500,000/$100,000 or $300,000 CSL for watercraft up to 25 feet
  • $500,000/$500,000/$100,000 or $500,000 CSL for watercraft 26 feet to 50 feet or any DUI risk
  • $1,000,000/$1,000,000/$1,000,000 CSL for all automobile and watercraft for any risk with an operator 90+ years of age or older

Personal Umbrella for Preferred or Standard Risk Applicants

This product targets households with favorable underwriting characteristics, and can be written on an admitted basis!

Product advantages:

  • True umbrella coverage
  • First dollar coverage for non owned boats, RV's or autos outside of the United States
  • No self-insured retention
  • Identity theft resolution services included at no charge
  • Worldwide coverage
  • Broad definition of bodily injury
  • Personal injury included at no charge if covered by primary policies
  • Coverage provided by an AM Best rated A++ company
  • Driving record discounts of up to $40 per risk available for preferred applicants

Eligible Risks:

  • Risks with protected swimming pools
  • Risks with up to 1,000 acres that are vacant and not farmland
  • Non commercial additional insureds are acceptable
  • Risks in the name of a trust, estate, LLC or LP
  • High profile applicants are acceptable
  • Underlying business or commercial auto is acceptable

Minimum attachment points:

  • $250,000/$500,000/$100,000 or $300,000 CSL automobile, boats, and recreational vehicles
  • $300,000 personal liability or homeowners
  • $500,000/$500,000/$100,000 or $500,000 CSL auto and watercraft exposures for standard umbrella with more than one fault accident or more than four convictions

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


You have received this email because you provided your email address to Robert W. Schmidt & Company, most likely in the course of a business activity. If you do not want to receive any more mailings, unsubscribe.

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

Atomic8Ball e-Newsletter