---
title: Tools to Grow Personal Lines Insurance Business
description: Did you know that specialty personal insurance lines of business tend to be the most profitable of all personal lines policies?
---

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# Tools to Grow Personal Lines Insurance Business

- ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Blog/author-icon.png)[Elizabeth Sedlock](https://info.stuckey.com/blog/author/elizabeth-sedlock)
- ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Blog/calender-icon.png)April 13, 2012
- ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Blog/clock-icon.png)9:05:00 PMPM

Did you know that specialty personal insurance lines of business tend to be the most profitable of all personal lines policies? Did you know that you can increase your retention by 9% when you cross sell additional personal insurance policies? The more lines of business an insured places with you, the better chance you have to retain that customer for years to come. Yearly reviews of your insured’s needs are crucial to retention.  Each year, the insured may purchase something they did not even think of placing insurance on through you: a motorcycle, a boat, a piece of fine art or a valuable piece of jewelry that may not be insured properly. Cross selling can help you close coverage gaps for customers and make sure they are adequately protected; not to mention customers can see significant savings and discounts when they combine multiple policies.

One of our carries, Safeco, calls this process “relationship marketing” and provides tools on their website to help you.  You can order generic note cards that say “Happy Birthday”, “Thank You”, “Happy New Year”, etc.  Here is a brief glimpse of the HOW IT WORKS section:

**How it works**

- Safeco provides you with an automated cross-sell campaign to target and cross-sell your monoline auto and home policyholders.
- You can choose to mail your entire book of business, self-select which policyholders you want to target or mail to the same policyholders you did in the prior campaign.
- Then select the [letter](http://www.safeco-msc.com/Search.aspx?CategoryCode=cross-sell&ProductTypeCode=&AssetFormatCode=Letter&ProgramTypeCode=NationalCrosssell) or [postcard](http://www.safeco-msc.com/Search.aspx?CategoryCode=cross-sell&ProductTypeCode=&AssetFormatCode=postcard&ProgramTypeCode=NationalCrosssell) you want to mail and Safeco will complete the mailing on your behalf.
- We also provide you with [call scripts](http://www.safeco-msc.com/Search.aspx?CategoryCode=cross-sell&ProductTypeCode=&AssetFormatCode=callscripts) and [follow-up letters](http://www.safeco-msc.com/Search.aspx?CategoryCode=cross-sell&ProductTypeCode=&AssetFormatCode=LetterTemplates) to help with your conversion process.
- Safeco now provides you with an automated [umbrella cross-sell](http://www.safeco-msc.com/Search.aspx?CategoryCode=cross-sell&ProductTypeCode=&AssetFormatCode=&ProgramTypeCode=NationalCrosssell) campaign.
- Safeco now offers an automated [Motorcycle, Watercraft or RV cross-sell ](http://www.safeco-msc.com/Search.aspx?CategoryCode=&ProductTypeCode=&AssetFormatCode=&ProgramTypeCode=&Keywords=AP-6937)campaign.
- To initiate your cross-sell campaign, simply click on the link below

Safeco also offers an Insurance Checkup form for you to use.  Contact Shelli at [shelli@stuckey.com](mailto:shelli@stuckey.com) to learn about ways the other carriers can help you properly cover all your insureds!

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