A CREATIVE WAY TO SELL 'UMBRELLAS' IMMS Member Wayne Smart of Fry, Jordan & Wilson, Inc., South Boston, Virginia sells Personal Umbrella insurance by the bucketful. Here's how: Wayne tapes a pape...

PERSONAL LINES UMBRELLA LIABILITY Dear (Customer Name): Do you want to pay now, or $1 million later? It's not so far-fetched. The average lawsuit could reach $1 million i...