Umbrella & High-Net-Worth Agencies
Umbrella is the highest-margin, highest-retention line in personal insurance — and the single most common cross-sell miss. Most agencies don’t have an umbrella conversation with a household until something has already gone wrong.
The auto+home → umbrella trigger
The single most under-used workflow in the industry. The snapshot watches every household for the moment both auto and home are bound with your agency (or carriers you represent), then fires:
- Day 0 — internal producer flag: “this household qualifies for umbrella conversation”
- Day 14 — household receives a permission-marketing umbrella educational
- Day 30 — light asset-screening intake (real estate, business interests, discretionary income, dependent students)
- Day 45 — producer-led umbrella conversation (auto-booked if intake completes)
For HNW books, the same trigger fires with a longer educational warm-up (60 days) and a different intake covering valuables, watercraft, second homes, and trust-owned assets.
Valuables-schedule prompts
After a HNW home policy binds, the snapshot fires a valuables-inventory intake form:
- Jewelry
- Fine art
- Wine collection
- Watches, collectibles
- Musical instruments
The responses route to the producer, who reviews and recommends a scheduled-personal-property endorsement or stand-alone valuables policy. Surfaces the most-frequently-missed exposure in HNW books.
Underlying-policy limit reminders
Umbrella underwriting requires adequate underlying liability limits (typically $250K auto / $300K home). The snapshot keeps the underlying-limit details on the household record and fires a producer reminder at each underlying-policy renewal to re-confirm them. If a household drops their underlying auto limit, the workflow surfaces a “we need to talk about this” alert to the producer.
What’s inside
- Auto+home → umbrella cross-sell with intake + producer hand-off (CRM workflow)
- Asset-screening intake form for HNW segmentation
- Valuables-inventory intake post-home-bind, routed to the producer
- Underlying-limit reminders at each renewal cycle
- Household-event intake (consent-based self-report: new home, new business, new dependent)
- HNW lifecycle email (white-glove voice, longer cadences)
- Appointment automation for producer-led umbrella conversations
- SMS automation with HNW-tone copy variants; TCPA-safe + A2P 10DLC filed free
- Renewal cadence tuned to high-retention long-cycle books
Pricing & install
One-time $997 (was $1,697). 24-hour install. 10 dedicated hours.