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Robert W. Schmidt And Company LLC
Special Risk Brokers
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Robert W. Schmidt And Company LLC
155 S. Executive Drive, Suite 204
Brookfield, WI 53005-4219
Toll Free: 800-361-4011
Phone: 262-790-4011

Atomic8Ball e-Newsletter

Personal Lines Products

High Risk Personal Umbrella Product

Why buy our Personal Umbrella for High Risk Drivers?

Does your client have:

  • Youthful or elderly operators?
  • Up to 10 convictions in the household for moving violations in the last three years?
  • Up to 5 at-fault accidents in the household in the last three years?
  • Up to 1 drug or alcohol-related offense in the household in the last five years?
Teen girls

*The total number of driving incidents for any one driver may render that driver ineligible.

Is primary coverage:

  • Split between more than one company?
  • With a company that cannot or will not write Umbrella coverage?
  • With a company that will not write over another company?

If you answered "YES" to any of these questions, then we have a market that can answer your insured's needs!

Product Advantages

  • Dollar one coverage for non-owned watercraft, recreational vehicles and automobiles outside of the U.S.
  • Definition of bodily injury is expanded to include mental injury, anguish, humiliation and shock
  • No self-insured retention
  • Defense outside the limit
  • Pre and post-judgment interest coverage
  • Multiple additional insureds can be added at no additional premium
  • No deductibles
  • Personal injury included if included on primary; buyback option is available if excluded on primary

Available Limits

  • $5,000,000 maximum limit

Minimum Underlying Requirements

  • $300,000 personal liability or homeowners
  • $500,000/$500,000/$100,000 or $500,000 combined single limit for auto and watercraft
  • Any operator age 90 or older will require $1,000,000/$1,000,000/$100,000 or $1,000,000 combined single limit underlying for the household
  • $250,000/$500,000/$100,000 or $300,000 combined single limit for recreational vehicles

Ineligible Risks

  • More than one major violation in the household
  • Operator over age 22 with a DUI lives in same household as a youthful operator
  • Risks in the name of a corporation
  • Underlying coverage written on a commercial form (exception is business auto)

1-4 Family Dwelling Product


Eligible Risks

  • Individuals, trusts, estates, families, limited partnerships and LLCs
  • Built 1900 or later
  • Special Form DP-3 available for properties up to 90 years old
  • HVAC systems not older than 50 years are DP-1 Basic Form eligible
  • HVAC systems not older than 20 years are DP-3 Special Form eligible
  • Up to 10 locations per policy
  • Protection class 1-8
  • Electrical systems are on circuit breakers with 100 amp service
  • Plumbing systems comprised of copper, PVC or cast iron
  • Asphalt shingle roof up to 25 years old
  • Up to one prior loss in the last three years
  • Multiple locations: One loss per two locations in the last three years

Product Advantages

  • Package policies available on Basic Form DP-1 or Special Form DP-3
  • Comprehensive personal liability coverage is available up to $1,000,000 including personal injury coverage
  • Additional insureds can be added free of charge
  • No mandatory roof exclusion
  • Actual cash value roof endorsement available on Special Form DP-3
  • Discount available for sprinkler fire protection systems
  • A.M. Best rated A++ carrier

Available Limits

  • DP-1 Basic Form minimum coverage "A" of $75,000
  • DP-3 Special Form minimum coverage "A" of $100,000
  • DP-1 and DP-3 Form total insured value maximum of $1,000,000
  • Medical payments of $5,000
  • Up to 40% of Coverage A for Personal Property Coverage C
  • Up to 20% of Coverage A for Fair Rental Value Coverage D
  • $1,000,000 Personal liability coverage optional


  • Deductibles available range from $1,000 to $5,000
  • Special deductibles available for wind and hail coverage

Ineligible Risks

  • DP-1 risks with coverage A less than $75,000
  • Business, farming or day care exposures on premises
  • Owned by corporations
  • Risks used as rooming, boarding or student housing
  • Use of wood stoves
  • Rented with shorter than 6 month lease terms


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