Dr. Cooper was very unhappy and he used his office stationary to express that opinion. He wrote a number of letters complaining about lawyers who threatened physicians with malpractice lawsuits.

The lawyer who actually threatened Dr. Cooper with such a lawsuit took offense. He filed suit, alleging that the letters were libelous.

Dr. Cooper asked his personal umbrella carrier to respond to the suit. The carrier denied coverage stating that the letters were business writings, not personal writings.

Click here to see what the courts decided in this golden oldie court case.

Are your client’s assets covered? Homeowners and personal auto policies do not provide sufficient limits for many situations. A serious liability claim can quickly drain the liability limits, and your client’s home, car, and other assets may be required to respond to the remaining damages.

Some customers may believe you are just trying to get additional revenue from them. This is why they may resist this very important coverage enhancement.

Click here for some important loss examples you might use to explain  why  a personal umbrella is a necessary part of almost everyone’s insurance portfolio.

Do you strongly believe that every client should have personal liability umbrella coverage? If so, make selling it a priority in your agency. Your staff needs to see you demonstrate that belief. They also need to be encouraged to incorporate it into daily interactions with their clients.

Click here to read about how a proud CSR acts in every aspect of her job, not just in selling personal umbrellas.

Repetition is vital in selling. Your clients must hear the personal umbrella message from both the producer and the CSR. They should also hear it from you. You should use your newsletter, your website, and other communication methods to enforce the message.

Click here to view two emarketing articles you could use in your newsletter, place on your website, or send as email.