1. Selling Flood Insurance
July, 2007

2. The Market Opportunity
Many people learn too late that most homeowners policies exclude any coverage for the peril of flood
Recent disasters – including Hurricanes Katrina, Rita, and Wilma as well as flooding in New England, Western NY and Pennsylvania – have increased awareness of the need for Flood insurance
About 25% of all flood insurance claims are paid on homes in low to moderate risk areas*
Flood insurance is a product your customers need. Selling flood insurance is an easy way for you to upsell/account round your customer.
*Source: National Flood Insurance Program

3. Agency Benefits of Selling Flood Insurance through Travelers
Increase agency retention. The more products a customer has with the agency, the less likely they are to leave.
Protection from an E&O exposure. Failing to offer flood coverage, or worse, advising a customer that they do not need a flood insurance policy, could result in an E&O claim if an uninsured flood loss occurs
Professional, free, marketing materials. Travelers offers appealing, professionally produced brochures, postcards, and other collateral, at not charge to you, to help you sell Flood insurance and grow your business.

4. Customer Benefits
Home policies won’t provide protection for losses that occur due to floods.
One out of every four floods occur in low risk areas. Many more occur in moderate risk areas. Flood policies are not just for homes on the coast or near rivers.
Superior Claim Service. Many Travelers adjusters have been trained to handle Flood claims and our third party adjusters have been pre-approved by Travelers only when they meet stringent quality standards.
To make the cost of flood insurance even more affordable, Travelers offers all of the NFIP increased deductible options which provide premium discounts.

5. Grow Your Business with Flood Insurance
Account round your Personal Insurance customers with Flood insurance.
Account round your existing Business Insurance customers by letting them know they can purchase flood insurance that protects their commercial building and business property.
Share these important facts with your customers:
Approximately 25% of flood insurance claims come from low risk areas.
Flooding occurs in every state and can occur at any time of year.
Federal disaster relief is available only if a federal disaster is declared, which occurs in less than
half of all floods.
Federal disaster relief is usually a partial recovery in the form of a loan.
Six out of 10 Presidentially declared disasters involve flooding.

6. Use the Consumer Brochure to Promote Flood Insurance
Consumer Brochure PL-10278
Informs customers why they need Flood
insurance
Places emphasis on Travelers responsive claim
service
Tips for Use
Customize with your agency contact information.
Hand to customers and review the brochure with
them in face-to-face meetings.
Include this brochure in annual mailers to
homeowner customers in preparation for
account reviews.

7. Use the Consumer Brochure to Promote Flood Insurance
Preferred Risk Brochure PL-11992
Informs customers in lower risk areas why they
need Flood insurance
Includes a detachable BRC customers can send
to your agency for more information.
Tips for Use
Customize with your agency contact information.
Hand to customers and review the brochure with
them in face-to-face meetings.
Include this brochure in annual mailers to
homeowner customers in preparation for
account reviews.

8. Use the Commercial Brochure to Promote Flood Insurance
Commercial Flood Brochure (PL-9050)
Informs business customers why they need
Flood insurance, and details what the insurance
covers
Places emphasis on both Travelers and the
customers independent agent
Tips for Use
Customize with your agency contact information.
Hand to customers and review the brochure with
them in face-to-face meetings.
Include this brochure in annual mailers to
business insurance customers in preparation for
account reviews.

9. Use the Direct Mail to Promote Flood Insurance
Consumer Postcards PL-9549 and
PL-10341
Informs customers why they need Flood
insurance
Invites the customer to contact your
agency for a policy review.
Tips for Use
Send these postcards to Travelers homeowner customers that do not have flood insurance.

10. Use Inserts to Promote Flood Insurance
Sparky Stuffer PL-9544
Informs customers why they need
Flood insurance
Invites the customer to contact your
agency for a policy review.
Tips for Use
Include in mailings to your customers to remind them that they need Flood insurance.