Protect Your Customers’ Future with Umbrella Liability Coverage June, 2007

Market Opportunity Chances are, your customers may not realize that one fender bender or one slip and fall by a guest in their home could cost them their car, home, family lifestyle and even future wages 63% of U.S. population lack umbrella coverage This is a perfect opportunity to educate customers on the need for an umbrella policy Did you know that every two weeks, someone almost gets into an accident? (National Highway Transportation Safety Administration) Target customers with teenage drivers (due to higher risk)

Build Stronger Customer Relationships with Umbrella liability coverage Umbrella Insurance is an important part of a comprehensive insurance package. It allows you to provide a full range of coverage to customers in order to protect them against liability suits Reduce E&O Provides coverages and products which some direct writers do not provide Increase customer retention

Do your customers know that one fender bender could cost them their car, home and future income? For example…Joe hits car while driving his rental car. Property Damage/Liability incurred: Rental damage, Towing cost, Devalued rental car, Damage to victim’s car Loss of intimate relationship (husband & Wife, Grandfather & Grandchild, etc.) Lost wages due to injury (i.e. not being able to work in same position – salary cut) Long term care/Therapy Loss of essential services (i.e. snow removal) Attorney’s/court fees Home modifications (i.e. ramp/railing installation) Car modifications ________________________________ Total cost to Joe: $1.5 million Joe’s current coverage limit: $300k Not enough to cover $1.5 million – need to subtract Joe’s home equity, personal property, investments, savings/checking, future wages, etc. Coverage Joe needs: $500k + $1M liability policy Difference: $250 per year/$5 per week to protect the future of Joe’s family

Tips to grow your book with an Umbrella Liability policy Educate customers on the need for an umbrella policy Lawsuit could cost customer everything they own and future income Lawsuits can result in settlements amounting to six and seven figures 2) Pull list of all customers, do an outbound call and follow up with customized letter/brochure. Use At Risk Notepad Enroll in One to One Program direct mail option to umbrella postcard mailing

Use Consumer Brochure to Promote Umbrella Offers high-level overview of Travelers Umbrella PLUS policy Highlights benefits of coverage and working with an independent agent. Tips for Use Mail or hand out to existing/potential customers

Use Worksheet to Promote Umbrella At Risk Notepad Do your customers have the coverage they need? Financial assessment so you can show your customers what is at risk Tips for Use Use to educate customers on the need for umbrella liability coverage Use in person or over the phone

Use Direct Mail to Promote Umbrella One 2 One Umbrella Policy postcard Educates customers on the need for an umbrella policy Highlights benefits of coverage and working with an independent agent. Tips for Use Mail or hand out to existing/potential customers

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