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Robert W. Schmidt And Company LLC
Special Risk Brokers

Commercial Lines Products

We are able to offer the following products as a Monoline Liability Policy,
a Monoline Property Policy and/or as a Commercial Package Policy.

Home Remodel/Building Plans


  • Artisan Contractors: This product is specifically designed to accommodate over 30 eligible artisan and trade contractor classes that undertake one or multiple phases of a construction project.
  • Ground Up Construction/Builder's Risk: This product is designed to cover owners or contractors constructing new residential or commercial buildings.
  • Contractors' Equipment: We cover scheduled equipment written on an inland marine coverage form. Miscellaneous tools and equipment coverage is available.
  • General Contractors: This product is designed for general contractors engaged in new construction or remodeling work. New ventures as well as general contractors who subcontract up to 100% of the work are eligible.
  • Janitorial Services: This product provides comprehensive general liability and property coverage for many unique exposures faced by today's residential, office and mercantile janitorial businesses.
  • Lawn Care: This product is designed for risks with primary operations of mowing, raking/blowing leaves, planting, gardening and mulching.
  • Owner's/Tenant's Protective: This product provides premises liability and coverage for the vicarious acts of the contractor to an owner or tenant hiring a general contractor to perform major renovation or new construction work associated with either residential or commercial construction.
  • Owner Acting as General Contractor: This product is designed to cover the interests of an owner who chooses to act as the general contractor in the construction of or renovation of a residential or commercial building.


  • Partially Vacant Building: This product is designed for buildings that are 31-99% vacant. We can consider partially vacant buildings that are under renovation.
  • Vacant Land: This product targets applicants owning land that is completely vacant.
  • Vacant Building: This product covers commercial, residential, condo units and rental space. Coverage for contents and risks with renovations acceptable.

Smiling Bellman with Guests


  • Bars/Restaurants: We can offer monoline or package coverage including liquor for restaurants, bars, gentlemen's clubs and nightclubs. Operations with major entertainment as well as new ventures are eligible.
  • Child Care: This product provides coverage for residential and commercial child care centers including nursery schools, head start programs, Montessori schools and before and after school care.
  • Concessionaires, Vendors & Mobile Food/Merchandise Trucks: This product is specifically designed to accommodate the coverage needs of a wide variety of concessionaires and vendors. These classes include, but are not limited to: indoor vendors, outdoor vendors, seasonal lots, hot dog vendors, newsstands, mall kiosks, mobile food and merchandise trucks and Christmas Tree lots.
  • Fitness Centers: This product targets aerobic studios, corporate fitness centers, independently owned fitness centers, franchised fitness centers and express fitness centers.
  • Games and Entertainment: This product is specifically designed for multi- activity amusement centers, theaters and entertainers. Eligible exposures include DJs, billiards, theater groups, batting cages, bounce houses, go karts and more.
  • Hotels/Motels/Resorts: This product can provide coverage for new ventures and risks with up to two swimming pools, other commercial occupancies and restaurants on the premises.
  • Inland Marine Select: This miscellaneous articles coverage is written on a scheduled or blanket basis.
  • Main Street Mercantile: This product is designed to accommodate the coverage needs of over 70 classes of mercantile exposures. New venture risks are eligible.
  • Caterers and Halls: This product is designed for a variety of catering services, including off premises catering, bartending services, personal chefs and banquet halls.
  • Pet Care: This product is designed for pet day care and/or kennel operations with incidental pet product retail sales, pet training or grooming.
  • Specialty Training Schools: This product is designed to cover up to 30 different types of instruction schools including, but not limited to: art schools, athletic instruction, dance schools, music training and tutoring services.
  • Truckers General Liability: This product is designed to accommodate the needs of a wide variety of trucking risks, including but not limited to, gravel haulers, log haulers and coal haulers.


  • Commercial Umbrella/Excess General Liability: Minimum attachment point of $1,000,000 for commercial umbrella and $500,000 for excess commercial general liability.


  • Preferred Package: This product is designed to fill the needs of the small business owner, ie. Beauty Salons & Barber Shops, Fast Food Restaurants, Laundromat, Lessor's Risk Only, Office, Mercantile.
  • Distributors: This product targets over 30 classes in the food and beverage, mercantile and retail operations and light building materials supplies industries.
  • Home Based Business: This package is designed for home based businesses with up to $500,000 in gross annual sales and one employee. There are more than 150 eligible classes.

High Rise Buildings


  • Land Leased to Others: This product is designed for land that is not vacant, but leased to others for use. Land leased for hunting, crop farming, animal grazing, equipment storage, parking lots, athletic fields and land with buildings on the premises are several of the eligible risks.
  • Lessor's Risk Only: This product provides coverage for the owner of buildings that are being leased to others primarily for the purposes other than residential use. Mixed occupancy buildings are acceptable.
  • Premises Preferred: This product is designed for risks that need premises liability only coverage at a very affordable price. Coverage is available on almost 300 classifications.
  • The Office Product: This product provides a comprehensive package including general liability, property, hired and non-owned auto liability, professional liability, inland marine, equipment breakdown and crime for more than 50 specific office classes including accountants, advertising agencies, financial planners, graphic designers, insurance agents, lawyers, medical offices, real estate agents, tax preparers, and travel agencies.


  • 1-4 Family Dwellings: We can write single locations or schedules. No owner occupied single family dwellings.
  • Apartments: We target single or multiple location apartment buildings.
  • Residential Condominium Investors: This product is designed for the investor who owns units within residential condominium associations for rental purposes. These units can be rented to others on an annual or seasonal basis or occupied by the insured, as long as it is not their primary residence.

Couple in a Restaurant


  • The Main Event: This product is designed to provide general liability and/or liquor liability coverage at short term events.
  • The Host: This product is designed for events featuring host liquor liability exposures when purchased with general liability.
  • The Wedding Plus: This product is designed to cover general liability and/or host liquor liability for weddings. Rehearsal date can be included at no additional charge.
  • The Long Shot: This product is designed to offer unlimited prize indemnification coverage for hole-in- one contests for up to $50,000 per hole. If a hole- in-one is made, an additional 20% of the prize value will be paid to the charity. Ladies are permitted to shoot from the regular ladies tee box. Additional insureds can be included at no charge.


  • Distilleries/Microbreweries
  • Distributors
  • Manufacturers
  • Property Managers
  • Warehouses
  • Attractions, Sports/Motorsports, Entertainment Venues, Recreation


  • Security of an A.M. Best rated A or Better Carrier
  • Quick turnaround time on submissions
  • Most products are available on an admitted basis

Please review all policy forms and endorsements as limits,
coverages and premiums will vary by carrier.

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 And Company LLC

155 S. Executive Drive, Suite 204
Brookfield, WI 53005
Phone: 800-361-4011

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