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Robert W. Schmidt And Company LLC
Special Risk Brokers
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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

Atomic8Ball e-Newsletter

HOME BASED BUSINESS PRODUCT

MINIMUM PREMIUM STARTS AT $234 INCLUDING FEE!

Two out of three people who have a business or a hobby out of the home do NOT have adequate insurance. Most homeowners policies are not designed to cover losses from the business.

Consider the following that may not be covered by a homeowners policy:

Photographer
  • A DJ at a birthday party has $4,500 of sound equipment stolen
  • A photographer forgets to use the flash and misses most of the pictures at a wedding reception. The bride and groom sue the photographer for $15,000
  • A representative for Pampered Chef has $2,700 of inventory in their home. The inventory is destroyed when a fire damages the home
  • A teacher tutors children in math throughout the year. A student trips and falls at the teacher's home resulting in injuries. The parents sue the teacher for $42,000
  • A person sells crafts at regional craft shows throughout the year. An attendee slips over the display and falls into the neighboring booth. The person has $10,000 in injuries and the the next booth has $3,500 in damaged inventory.
  • A fitness trainer needs to show proof of liability coverage to be able to teach Zumba classes at the local recreation center

Product Advantages

  • Over 150 eligible classes! See attached complete list of Eligible Classes!
  • New ventures are eligible
  • Risks with revenues up to $500,000
  • Up to three employees
  • Off Premises Coverage
  • Coverage satisfies most show and event liability requirements
  • Business Personal Property off-premises coverage available up to $15,000
  • Professional Errors & Omissions Sublimit for select classes INCLUDED in the basic rate
  • Additional Insured's can be included for $20
  • A.M. Best A++ Rated Company
  • Written on Admitted Paper
  • Quick turnaround time on submissions
  • Superior Policy Issuance

Available Limits

  • General Liability available up to $1,000,000/$2,000,000
  • Business Personal Property/Loss of Income up to $100,000
  • Money and Securities up to $100,000 inside/$5,000 outside premises
  • Errors and Omissions included on most classes of business

Deductibles

  • General Liability $0
  • Property $500
  • Errors and Omissions $1,000

Most common Ineligible Risks

  • Event Planner
  • Computer Consultant
  • Applicants involved with any manufacturing, installation or repair
  • Teaching or tutoring for sports, industrial or martial arts
  • Internet service provider
  • Landscaper
  • Personal Shopper/Errand Service
  • Fine Jewelry Sales/Repair
  • Massage Therapist
  • Contractor
  • Home Inspector (other than Mortgage Field Inspector)

Please click here for an application.

OUR HOME BASED BUSINESS PRODUCT CAN PROVIDE YOU WITH THE COVERAGE THAT YOU NEED. MINIMUM PREMIUM STARTING AT $234 INCLUDING FEES!! YOUR CLIENT CANNOT AFFORD NOT TO HAVE THEIR BUSINESS COVERED.

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