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... Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Personal Umbrella Liability 4/30/2013 10:38:09 PM by CompleteMarkets Editor This content has not been rated yet. PERSONAL UMBRELLA LIABILITY Dear (Customer Name), $1 ,000,000 INSURANCE COVERAGE? The times we live in have brought about significant changes in the insurance needs of families and individuals. Take, for example, the trend toward larger judgments in liability cases. ... experience has shown that the most frequent and inviting' prey of these king-sized legal actions are business and professional people like yourself. You need far more protection than the basic Liability coverages you presently carry. Conscious of this urgent coverage gap, we are pleased to offer for your consideration an Umbrella Liability policy. An Umbrella policy takes up where your basic insurance leaves off by providing $1 ,000,000, or even more, of Excess Liability coverage. This plan also protects against various liability hazards not covered under conventional policies. In short, Umbrella Liability will afford full-range protection for almost any contingency involving liability claims. We will call you to arrange an appointment. Sincerely, Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to ...

... Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Personal Lines Umbrella Liability 4/30/2013 10:38:09 PM by CompleteMarkets Editor This content has not been rated yet. &# 160 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 in the near future. Liability protection under your Auto and Homeowners ... is adequate for most claims, but what would happen if you were on the wrong end of a million-dollar lawsuit? Personal Umbrella insurance can fill in the gaps, ' or amounts not covered by your other insurance, in the event of such a disastrous suit. We can design a policy to suit your individual needs. We'll be in touch with you soon to further discuss personal Umbrella insurance with you. Sincerely, Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. ...

Personal Umbrella Liability
  PERSONAL UMBRELLA LIABILITY Dear (Customer Name), Thank you f...on coverage to the various kinds of Liability insurance you presently carry an...

...lity X. Commercial Crime XI. Umbrella Liability XII. Premium Summary X... Deductible $ 1,000 UMBRELLA Limit of Liability Premium Limit of Liability Premium ENERGY...

... Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back A Creative Way To Sell "Umbrellas"4/30/2013 10:37:47 PM by CompleteMarkets Editor This content has not been rated yet. 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 paper cocktail umbrella to a cover letter touting the RLI Personal Umbrella ... OWN PERSONAL UMBRELLA NAME ATTN STREET CITY, STATE ZIP $98 NOW . . . OR $1 MILLION LATER Dear (Customer Name), Do you want to pay $98 now, or $1 million later? The answer is obvious, but the situation is not so far-fetched as you might think. Judgments in lawsuits continue to rise, with many topping the $1 million mark. Liability protection under your Auto and Homeowners policies is adequate for most smaller claims, but what if you are involved in one of these larger judgments? You could end up losing all your assets. A Personal Umbrella policy is the solution to this problem! It provides coverage above and beyond the Liability limits of your underlying Auto and Homeowners policies, and fills in the gaps not covered by your other ...

... our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All liability protection Articles tagged with liability protection Back A Creative Way To Sell "Umbrellas" This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM 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.. All Articles by CompleteMarkets Editor Comments (0 ) Limited Liability ... PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All liability protection Articles tagged with liability protection Back A Creative Way To Sell "Umbrellas" This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM 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 ...

... another state whose tow truck rear-ended a car, causing an occupant of the vehicle to become a wheelchair-bound paraplegic. The underlying case was worth $5 million to $10 million. The client, a new customer, had provided a copy of his previous policy to the agent and asked for coverage. The agent stated that he saw the previous policy had $1 million primary and $4 million umbrella. According to the agent, he told the client he was only going to obtain a primary policy for $1 million and that the client was going to think about whether he wanted the umbrella coverage. Again, according to the agent, the client never got back to him on the umbrella. The client testified that he told the agent to duplicate his prior policy, and assumed that ... had umbrella coverage. Unfortunately, there was no documentation of the alleged conversations between the agent and the client. The E&O carrier settled the claim for the limit of the agency's policy, $1 million. Could this happen in your agency? There's probably not much question whether clients need or want primary coverages. After all, the vast majority of your commercial clients need liability and auto, etc. When you meet with them, there's little doubt that you are to put these vital coverages into effect. However, when the topic gets around to an umbrella, the answer might not be so easy for your client to answer because it involves additional expense they might not be able to afford. As they debate this in their mind, they'll probably try to determine the likelihood that ...

...or added onto General Liability, Umbrella Liability, or other Liability policies. Although many people thin...hly competitive, and high limits of Liability are available for most insureds....

A Creative Way To Sell "Umbrellas"
A CREATIVE WAY TO SELL 'UMBRELLAS' IMMS Member Wayne Smart of Fry, J...en able to offer this much Personal Liability coverage (good 24 hours a day, a...

...1 million primary and $4 million umbrella. According to the agent, he told the... reduce their expenses. Although an umbrella might be “optional” in your client’s mind, offer a variety of umbrella limits on all proposals — whether...