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

2. 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)

3. 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

4. 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

5. 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

6. 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

7. 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

8. 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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