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 form:
- Jewelry (with appraisal upload)
- Fine art
- Wine collection
- Watches, collectibles
- Musical instruments
Producer reviews → recommends scheduled-personal-property endorsement or stand-alone valuables policy. Closes the most-frequently-missed exposure in HNW books.
Underlying-policy verification
Umbrella underwriting requires verified underlying liability limits (typically $250K auto / $300K home). The snapshot maintains verification documents in the household record and re-verifies at each underlying-policy renewal. If a household drops their underlying auto limit, the umbrella sequence fires a “we need to talk about this” alert to the producer.
What’s inside
- Auto+home → umbrella trigger with intake + producer hand-off
- Asset-screening intake for HNW segmentation
- Valuables-schedule prompt post-home-bind
- Underlying-policy verification at each renewal cycle
- Household event watcher (new home, new business, new dependent)
- HNW lifecycle email (white-glove voice, longer cadences)
- Producer leaderboard with umbrella attribution
- TCPA-safe SMS with HNW-tone copy variants
- Renewal cadence tuned to high-retention long-cycle books
Pricing & install
One-time $997 (was $1,697). 24-hour install. 10 dedicated hours.