See the liability limit before you quote a risk you can't write
Every umbrella inquiry is qualified against liability limits, current policy status, and rental or business property ownership before it lands in your CRM. Policyholders upload proof of existing coverage so you know exactly what risk you're being asked to write.
The exact intake your umbrella insurance leads complete
This is the real 6-question guided intake for Umbrella Insurance — the same flow your customers finish before you ever pick up the phone.
What a qualified umbrella insurance lead should tell you
Extra liability coverage that sits on top of an existing home or auto policy, typically sought by people with high-value assets, rental or investment property, or elevated liability exposure from pools, business activity, or lawsuit concerns.
- Have Active Home Or
- Mainly Motivates Consider Umbrella
- These Own Or Manage
- Policyholder Or Authorized Decision-Maker
- Soon Set Up This
- What Total Liability Coverage
The questions your team needs answered
Every umbrella insurance intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Do you currently have an active home or auto insurance policy? | Umbrella coverage sits on top of an existing home or auto policy, so a 'no' here means the lead can't be underwritten yet and needs the underlying policy sorted first. |
| What mainly motivates you to consider umbrella coverage? | The stated motivation reveals the real risk driver behind the request, letting agents tailor the conversation to asset protection, lawsuit concern, or a lender mandate. |
| Which of these do you own or manage? | Rental property, multiple drivers, and business ownership each independently raise liability exposure, so this answer helps size the umbrella need beyond a single primary residence. |
| Are you the policyholder or authorized decision-maker for this insurance? | Confirming decision-making authority prevents agents from spending policy-review time on someone who can't actually bind or renew the coverage. |
| How soon are you looking to set up this coverage? | Timeline separates leads ready to buy now from early researchers, so 'immediately' can be prioritized ahead of 'just exploring options'. |
| Approximately what total liability coverage limit are you seeking? | The requested liability limit tells the agent the scale of coverage being asked for before they quote, avoiding a mismatch between the lead's expectation and what can be written. |
How Cliont scores umbrella insurance leads
Every answer is weighted automatically — no manual review required.
Value signals
- Have Active Home Or: yes
- Protecting high-value assets
- Higher liability risk activity (pool, rental property, etc.)
- General concern about being sued
- Requirement from a lender or business partner
- Not sure
Urgency signals
- Have Active Home Or
- Immediately
See the lead your team receives
Umbrella Insurance Lead
From first click to qualified lead
Follow prospects and clients through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the project
Smart questions adapt to their project and capture the full scope.
They share the details
The scope and any documents come attached, so you can scope before the first call.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for umbrella insurance workflows
| Cliont capability | Umbrella Insurance application |
|---|---|
| Weighted scoring engine | Applies the catalog's weights across active policy status, motivation, and ownership answers so a lead with rental property and higher liability risk activity scores higher than a generic 'not sure' inquiry. |
| Decision-maker verification | Flags leads where the respondent answers no to being the policyholder or authorized decision-maker, so agents know to confirm binding authority before quoting a coverage limit. |
| Coverage-limit capture | Records the requested liability limit (from $1 million to above $3 million) upfront so agents can pre-assess whether the ask fits their carrier appetite before scheduling a policy review. |
| Underlying-policy check | Confirms an active home or auto policy exists before routing the lead, since umbrella coverage can't be underwritten without an underlying policy in place. |
| CRM routing with priority tags | Sends leads with immediate timelines and active existing policies into the CRM as higher-priority than exploratory, no-current-policy inquiries. |
Common umbrella insurance lead scenarios
Rental property owner adding liability buffer
The intake flags rental or investment property ownership alongside the higher liability risk activity motivation, surfacing exposure most basic policies underweight.
High-net-worth homeowner protecting assets
Selecting protecting high-value assets as the motivation and a coverage limit above $3 million signals a larger, more complex umbrella case worth a policy review sooner.
Small business owner meeting a lender requirement
When ownership includes a small business and the motivation is a lender or business partner requirement, the lead is flagged as commercial-adjacent rather than purely personal.
Urgent liability concern after an incident
An immediate timeline paired with general concern about being sued reads as urgent, prompting faster CRM routing than a leisurely coverage upgrade.
Early-stage researcher comparing coverage
A just exploring options timeline combined with a not sure motivation still captures useful context, but is scored and routed as lower urgency than an immediate need.
Connect Cliont to your workflow
Send leads
HubSpot, HighLevel, Salesforce, JobNimbus
Book projects
Google Calendar, Outlook Calendar, Calendly
Notify your team
Email, SMS, Slack
Automate follow-up
Zapier, Webhooks, API
Simple, transparent pricing
Choose the plan that works for your business.
Professional
Unlimited intake forms and leads for your growing business.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Advanced analytics dashboard
Pay Per Lead
Only pay when you receive a qualified lead.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Charged only for submitted leads
More home and property insurance intake templates
Umbrella Insurance lead-intake FAQs
How does the intake surface higher-risk households, like those with pools or rental units?
The ownership question captures rental or investment property, multiple vehicles or drivers, and small business ownership, while the motivation question separately asks about higher liability risk activity, so both signals combine to flag elevated exposure.
Does the intake check whether someone already has underlying coverage?
Yes, it asks directly whether the policyholder has an active home or auto policy, since umbrella coverage sits on top of an existing policy and can't be written without one.
Can the intake tell me what coverage limit a lead is asking for before I call them?
It asks for the desired liability limit as a single-choice answer, from $1 million up to above $3 million, so you know the size of the ask before you spend time on a policy review.
What if the person filling out the intake isn't the actual policyholder?
There's a dedicated yes/no question confirming whether the respondent is the policyholder or authorized decision-maker, which is weighted lower when the answer is no so you know to verify authority before quoting.
How are 'just browsing' leads handled differently from urgent ones?
Timeline answers range from immediately to just exploring options, and immediate responses combined with an active existing policy are treated as urgent, while exploratory answers still get captured but score lower on speed.
Does the intake separate personal liability needs from business-related ones?
Yes, the ownership question includes a small business option and the motivation question includes a lender or business partner requirement, so business-driven umbrella needs are distinguishable from personal ones like protecting high-value assets.
Turn umbrella insurance visitors into qualified clients
Give every umbrella insurance visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you take the first call.