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My Group Excess is an insurance brokerage firm whose sole purpose is to administer Group Personal Excess Programs. Get started by clicking continue with either Fortress or OMSNIC now.

Why Group Personal Excess?

Today more than ever it is important for people to carry higher limits of personal liability coverage. In the event of a serious loss, your auto, homeowners and watercraft policies may not provide enough protection. A personal excess or “umbrella policy” will provide an additional layer of liability protection in excess of (meaning over and above) your primary homeowners, auto and watercraft policies.

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Are You Protected?

A "covered person" includes the person who enrolls as a part of the group policy (as an OMSNIC member policyholder) and that person's spouse or domestic partner, any relative or any other person under 25 who is in the insured's or the relative's care. All must be residents of the same household.

Extended liability coverage for all household family members while traveling or studying abroad.

Excess Liability Coverage is an additional layer of liability protection that extends over your personal home, auto, and watercraft policies. In the event a claim exceeds the required underlying limits on your primary home, auto, or watercraft policy, this policy will provide additional coverage.

UM/UIM/UL Excess Uninsured/Underinsured Motorist and Uninsured Liability provides coverage for damages to you or a covered person sustain, for which the at fault party has little or no insurance.

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OMSNIC Personal Excess

Today more than ever it is important for people to carry higher limits of personal liability coverage. In the event of a serious loss, your auto, homeowners and watercraft policies may not provide enough protection. A personal excess or “umbrella policy” will provide an additional layer of liability protection in excess of (meaning over and above) your primary homeowners, auto and watercraft policies.

As a member of OMSNIC you have access to the OMSNIC Group Personal excess program with Chubb Insurance Company. Some major benefits of group excess or “umbrella” coverage as supposed to individual excess coverage are pricing, no individual underwriting, and coverage benefits.

Coverage Highlights

OMSNIC has teamed with Chubb Insurance Company to provide you, at no additional charge, with a $1 million limit Chubb Group Personal Excess Liability Insurance policy for damages and costs you or a covered family member have to pay in a covered lawsuit beyond what is covered under your primary auto, homeowners, renters, recreational vehicle, motorcycle, and watercraft insurance policies. Additional liability coverage limits up to $25 million are available.

No Individual Underwriting
Uninsured/underinsured motorist coverage
Worldwide Coverage
Pricing
Unlimited Defense Costs

Identity Theft Resolution Coverage
Kidnap Expense
More…

Download Our Coverage Highlights Brochure

Download Our Frequently Asked Questions Flyer

WHAT IS GROUP PERSONAL EXCESS LIABILITY COVERAGE AND WHY DO I NEED IT? Now more than ever before, Americans are confronted by multiple risks that threaten financial assets and lifestyles. Personal liability lawsuits can run in the multi-million dollar range, and in such cases, personal liability insurance alone may not be enough. Chubb Group Personal Excess Liability Insurance provided by OMSNIC, offers an attractive solution for helping to preserve your assets in the face of an ever-increasing array of financial loss exposures.

HOW DOES IT WORK? OMSNIC has provided you, at no additional cost, with an excess liability limit of $1 million with $1 million of uninsured/ underinsured motorist coverage. Group participants can then choose to purchase a range of increased limits and are charged the corresponding premium (shown on table 1 and 2 under the increase your limits page). You do not have to purchase increased limits if you desire not to.

WHAT IS COVERED UNDER THE GROUP POLICY? The Chubb Group Personal Excess Liability Policy provided by OMSNIC, offers you and your covered family members with broad protection and liability limits in excess of your primary auto, homeowners, renters, recreational vehicle, motorcycle, and watercraft insurance policies. Coverage includes personal injury and property damages for which you or a covered household member may be legally responsible in the event of a personal liability lawsuit. Large watercraft and personal watercraft are covered on a first dollar basis if rented or furnished for 60 days or less. Defense costs for a covered loss are at Chubb’s expense and in addition to the policy limit. NOTE: This does not provide additional coverage over your professional liability limits.

WHAT TYPES OF INJURIES ARE INCLUDED IN THE PERSONAL INJURY COVERAGE? Personal injury includes: shock, mental anguish, or mental injury; false arrest, false imprisonment, or wrongful detention; wrongful entry or eviction; malicious prosecution or humilia- tion; libel, slander, defamation of character, or invasion of privacy; bodily injury including sickness or disease that results from physical bodily harm.

DOES A GROUP MEMBER HAVE PERSONAL EXCESS LIABILITY COVERAGE FOR A RENTAL HOME THAT IS LEASED FOR INCOME? The group policy will provide excess liability coverage if a rental property is covered by the participant’s underlying personal homeowners policy and meets the definition of “incidental business property” under the group policy. The definition of “incidental business property” includes the rental of, to be used as a residence, a condominium, apartment unit, one or two family dwellings owned by you, or a three or four family dwelling owned by you.

ARE PROFESSIONAL AND BUSINESS ACTIVITIES INCLUDED? Professional activities are not included in the coverage, but incidental business or incidental farming activities and property liability are covered by the group liability policy from Chubb, subject to the limitation and exclusions stated in the policy under “business pursuits”.

IS COVERAGE INCLUDED FOR A DIRECTOR OR OFFICER (OF A NOT-FOR-PROFIT ORGANIZATION)? Coverage is included for a covered person’s actions or failure to act arising from activities as a non-compensated director or officer of a not-for-profit organization.

CAN THE CHUBB GROUP PERSONAL EXCESS LIABILITY POLICY PROVIDED BY OMSNIC BE CONVERTED TO A PERSONAL UMBRELLA POLICY IF I LEAVE THE GROUP OR IF THE GROUP POLICY CEASES TO EXIST? If you retire you can remain in the group program with its preferred coverage and pricing but you will be responsible for the entire premium including the first $1 million limit. Otherwise, no, the policy is not convertible. We recommend that you talk with your local OMSNIC representative to replace your coverage with an individual policy with Chubb or another insurance company. (There is a 60-day extension for individuals who are no longer eligible for the group, bu

I ALREADY HAVE AN INDIVIDUAL EXCESS LIABILITY POLICY WITH CHUBB OR ANOTHER CARRIER. WILL THE GROUP PERSONAL EXCESS LIABILITY INSURANCE “STACK” OR GO ABOVE MY EXISTING UMBRELLA THAT I HAVE? This Chubb Group Excess Policy from Chubb is intended to replace your existing individual excess liability policy. Not only is the coverage in this program as good as or better than your individual policy but OMSNIC is providing you with $1 million of coverage.

WHAT IF MY CURRENT INDIVIDUAL POLICY IS MORE THAN $1 MILLION? With this program you have the ability to increase your limits to the same level of protection you were receiving before. In fact, you can purchase equal or even higher limits than you previously had for a fraction of what you were previously paying.

WHAT HAPPENS WHEN I RETIRE? When you retire from practice you still have access to this program and will be able to receive the preferred coverage and pricing. As a retired member of OMSNIC you can elect to either continue with the program or not. If you decide to continue the only change is that you will now be responsible for the first $1 million of coverage.

DOES THE UNINSURED/UNDERINSURED MOTORIST COVERAGE PROVIDED IN THIS POLICY PROVIDE COVERAGE FOR ME IF I AM A PEDESTRIAN RIDING A BIKE? The answer is YES. This is true with underlying policies also. At least it should be. This is a huge added benefit of this umbrella policy because family members of the household are all covered under this policy. That means that if a child of a doctor is hit by an uninsured or underinsured motorist as a pedestrian or riding a bike around the neighborhood this policy will provide coverage for that child. As you may know it is impossible to get a disability policy on child. This policy will pay for disability costs and medical expenses that would be a result of such accident. If the accident is serious enough those expenses could be for the rest of that child's life.

HOW DO I FILE A CLAIM? Filing a claim is easy. Call claims, 1-800-CLAIMS-0 (1-800-252-4670), day or night (24/7).

WHERE CAN I GET MORE INFORMATION? To learn more about the Chubb Group Personal Excess Liability Policy provided by OMSNIC, contact My Group Excess Insurance: 1-855-MY GRP EX (1-855-694-7739), by email at info@mygroupexcess.com, or online at http://www.mygroupexcess.com.

Claims Example - OMSNIC

Uninsured/Under Insured Liability Coverage

Claim Scenario 1

Insured and family are at a neighbor's get-together. Child of insured is jumping on the neighbor's trampoline and falls, sustaining a fractured arm requiring surgery. The homeowner who hosted the party has $300,000 liability, which is tendered for the incident by not nearly enough. The insured's Group Personal Excess policy responded with the uninsured liability coverage for the additional needed limits.

Claim Scenario 2

Dog bite incident involving a renter who had no liability coverage. All medical costs were paid under the uninsured liability coverage in the Group Excess Policy including lost wages.

Actual Claims

Insured struck motorcycle when changing lanes. $1,000,000
Insured was rearended when at a stop light. At fauly driver did not have enough coverage to pay for injuries to our insured. $700,000
Insured involved in boating accident. $500,000
Insured's son involved in car accident. $1,200,000
Insured's daughter involved in car accident. $1,500,000
Insured's spouse polls out of shopping mall and hits a bicyclist – full amount of damages pending.

DOWLOAD MORE CLAIMS EXAMPLES

Increase Your Limits

Currently Practicing Oral Surgeons

Enrollment is easy! If you are a currently practicing oral surgeon OMSNIC has provided at no additional cost $1 million of personal excess liability coverage and $1 million of uninsured/underinsured motorist coverage. If the $1 million limit that OMSNIC is providing you is sufficient, you are automatically enrolled. You have nothing else to do.

Just make sure your underlying policy limits meet the minimum requirements. You have the ability to increase your limits at any time throughout the year with no underwriting by completing the increased limits enrollment and mailing it to the address below. Your increased limits will take effect the first of the following month after the enrollment form is received.

Your cost depends on the coverage limits you choose. There is a flat rate for each coverage limit under this plan. You can choose Excess Liability limits ranging from $1 million to $25 million, which also includes $1 million Excess Uninsured/Underinsured Motorist protection. There is an additional premium charge if you wish to increase the Uninsured/underinsured motorist protection above the included $1 million limit.

IMPORTANT:

When selecting your limits, the Uninsured/Underinsured Motorist protection limit cannot be higher than the Excess Liability limit.
You can increase your Excess Liability limit without increasing your Uninsured/Underinsured motorist Protection limit.
Your limits can be increased at any time throughout the year and will be effective the first of the following month after we receive the increased limit enrollment form. The coverage will renew on October 1 st , which will result in a prorated premium for the first year, if you increase mid-term.
Be sure to contact your local OMSNIC Agent or personal insurance representative to make sure your underlying policy coverages meet the minimum requirements for this program to prevent potential gaps in coverage.

My Group Excess

PO Box 1519

Sykesville, MD 21784

DOWNLOAD ENROLLMENT FORM (PDF)

Non-Practicing or Retired Oral Surgeons

If you retire or if you are already a retired oral surgeon you still have access to the great coverage and benefits of this program, only OMSNIC will not pay for the first million of coverage.

Your cost depends on the coverage limits you choose. There is a flat rate for each coverage limit under this plan. You can choose Excess Liability limits ranging from $1 million to $25 million, which also includes $1 million Excess Uninsured/Underinsured Motorist protection. There is an additional premium charge if you wish to increase the Uninsured/underinsured motorist protection above the included $1 million limit.

IMPORTANT:

When selecting your limits, the Uninsured/Underinsured Motorist protection limit cannot be higher than the Excess Liability limit.
You can increase your Excess Liability limit without increasing your Uninsured/Underinsured motorist Protection limit.
Your limits can be increased at any time throughout the year and will be effective the first of the following month after we receive the increased limit enrollment form. The coverage will renew on October 1 st , which will result in a prorated premium for the first year, if you increase mid-term.
Be sure to contact your local OMSNIC Agent or personal insurance representative to make sure your underlying policy coverages meet the minimum requirements for this program to prevent potential gaps in coverage.

My Group Excess

PO Box 1519

Sykesville, MD 21784

DOWNLOAD ENROLLMENT FORM (PDF)

Required Primary Underlying Liability Insurance Policy Limits

You and your family members should carry the minimum required underlying coverage limits summarized in the chart below. If you do not, you may have a gap in coverage since the Group Personal Excess Liability Insurance policy applies above the required underlying limits. These limits are typical of the limits most insurance companies require for a personal excess policy.

Coverage

Underlying Limits

Home

Personal Liability/Property Damage

$300,000 per each occurrence

Auto

Personal Automobile Liability

Private Passenger autos, motor homes, motorcycles and other motor vehicles with less than for wheels (Registered Vehicle)

$250,000 bodily injury per person, $500,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 bodily injury per person, $300,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 combined single limit per each occurrence

Personal Automobile Liability
(Unregistered Vehicle)

$300,000 bodily injury and property damage per each occurrence

Uninsured Motorist / Underinsured Motorist Protection

$250,000 bodily injury per person, $500,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 bodily injury per person, $300,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 combined single limit per each occurrence

Watercraft

Watercraft
Less than 26 feet or less than 50 engine-rated HP

$300,000 per each occurrence

Watercraft
More than 26 feet or less than 50 engine-rated HP

$500,000 per each occurrence

IMPORTANT: Contact your current insurance carrier or OMSNIC agent to ensure that your personal insurance program has the required underlying limits. This does not provide additional coverage over your professional liability limits.

Fortress Group Personal Excess

Today more than ever it is important for people to carry higher limits of personal liability coverage. In the event of a serious loss, your auto, homeowners and watercraft policies may not provide enough protection. A personal excess or “umbrella policy” will provide an additional layer of liability protection in excess of (meaning over and above) your primary homeowners, auto and watercraft policies.

As a member of Fortress you have access to the Fortress Group Personal excess program with Chubb Insurance Company. Some major benefits of group excess or “umbrella” coverage as supposed to individual excess coverage are pricing, no individual underwriting, and coverage benefits.

Coverage Highlights

With the number of personal lawsuit growing at an alarming rate, professionals are exposed to the risk of a personal lawsuit more than ever before. Fortress has teamed up with Chubb insurance company to make available to you Group Personal Excess or “umbrella” coverage. As an exclusive member of Fortress you have access to the programs many policy benefits and features which include but are not limits to the following. For more details on the coverage and benefits offered by this program click on the brochure and sample policy or contact your local Fortress agent.

No Individual Underwriting
Uninsured/underinsured motorist coverage
Worldwide Coverage
Pricing

Unlimited Defense Costs
Identity Theft Resolution Coverage
Kidnap Expense
More…

Download Our Informational Brochure

WHAT IS GROUP PERSONAL EXCESS LIABILITY COVERAGE AND WHY DO I NEED IT? Now more than ever before, we are all confronted by multiple risks that threaten financial assets and lifestyles. Personal liability lawsuits can run in the multi-million dollar range, and in such cases, personal liability insurance alone may not be enough. Group Personal Excess Liability Insurance from Chubb offers an attractive solution for helping to preserve your assets in the face of an ever-increasing array of financial loss exposures.

HOW DOES IT WORK? Group members have a range of limits to choose from and are charged the corresponding premium (shown on Table 1 and Table 2 under the enroll for coverage page). Participants receive an added layer of insurance coverage that sits above their auto, home, and recreational vehicle insurance. There is no individual underwriting, and enrollment is easy. Just contact your Fortress agent.

WHAT IS COVERED UNDER THE GROUP POLICY? Group Personal Excess Liability Insurance from Chubb provides you and your covered family members with broad protection and liability limits in excess of your primary auto, homeowners, renters, recreational vehicle, motorcycle, and watercraft insurance policies. Coverage includes personal injury and property damages for which you or a covered household member may be legally responsible in the event of a personal liability lawsuit. Large watercraft and personal watercraft are covered on a first dollar basis if rented or furnished for 60 days or less. Defense costs for a covered loss are at Chubb’s expense and in addition to the policy limit. NOTE: This does not provide additional coverage over your professional liability limits.

WHAT TYPES OF INJURIES ARE INCLUDED IN THE PERSONAL INJURY COVERAGE? “Personal Injury” includes: shock, mental anguish, or mental injury; false arrest, false imprisonment, or wrongful detention; wrongful entry or eviction; malicious prosecution or humiliation; libel, slander, defamation of character, or invasion of privacy; bodily injury including sickness or disease that results from physical bodily harm.

ARE PROFESSIONAL AND BUSINESS ACTIVITIES INCLUDED? Professional activities are not included in the coverage, but incidental business or incidental farming activities and property liability are covered by the group liability policy from Chubb, subject to the limitation and exclusions stated in the policy under “business pursuits.”

IS COVERAGE INCLUDED FOR A DIRECTOR OR OFFICER (OF A NOT-FOR-PROFIT ORGANIZATION)? Coverage is included for a covered person’s actions or failure to act arising from activities as a non-compensated director or officer of a not-for-profit organization.

CAN GROUP PERSONAL EXCESS LIABILITY INSURANCE FROM CHUBB BE CONVERTED TO A PERSONAL UMBRELLA POLICY IF I LEAVE THE GROUP OR IF THE GROUP POLICY CEASES TO EXIST? If you retire you can remain in the group program with its preferred coverage and pricing. Otherwise, no the policy is not convertible. If you leave the group, we recommend that you talk with your Fortress agent to replace your coverage with an individual policy with Chubb or another insurance company. (There is a 60-day extension for individuals who are no longer eligible for the group, but in no event does such coverage go beyond the expiration date of the policy.)

I ALREADY HAVE AN INDIVIDUAL EXCESS LIABILITY POLICY WITH CHUBB OR ANOTHER CARRIER. WILL THE GROUP PERSONAL EXCESS LIABILITY INSURANCE “STACK” OR GO ABOVE THE EXISTING UMBRELLA THAT I HAVE? This Group Excess Policy from Chubb is intended to replace your existing individual excess liability policy. The coverage and pricing in this program is likely as good as or better than your individual policy.

DOES THE UNINSURED/UNDERSIGNED MOTORIST COVERAGE PROVIDED IN THIS POLICY PROVIDE COVERAGE FOR ME IF I AM A PEDESTRIAN RIDING A BIKE? The answer is YES. This is true with underlying policies also. At least it should be. This is a huge added benefit of this umbrella policy because family members of the household are all covered under this policy. That means that if a child of a doctor is hit by an uninsured or underinsured motorist as a pedestrian or riding a bike around the neighborhood this policy will provide coverage for that child. As you may know it is impossible to get a disability policy on child. This policy will pay for disability costs and medical expenses that would be a result of such accident. If the accident is serious enough those expenses could be for the rest of that child's life.

I HAVE ADDITIONAL QUESTIONS. WHERE CAN I GET MORE INFORMATION? To learn more about the Group Personal Excess Liability provided by Chubb through Fortress, contact your local Fortress Agent.

Claims Examples - Fortress

Uninsured/Under Insured Liability Coverage

Claim Scenario 1

Insured and family are at a neighbor's get-together. Child of insured is jumping on the neighbor's trampoline and falls, sustaining a fractured arm requiring surgery. The homeowner who hosted the party has $300,000 liability, which is tendered for the incident by not nearly enough. The insured's Group Personal Excess policy responded with the uninsured liability coverage for the additional needed limits.

Claim Scenario 2

Dog bit incident involving a renter who had no liability coverage. All medical costs were paid under the uninsured liability coverage in the Group Excess Policy including lost wages.

Actual Claims

Insured struck motorcycle when changing lanes. $1,000,000
Insured was rearended when at a stop light. At fault driver did not have enough coverage to pay for injuries to our insured. $700,000
Insured involved in boating accident. $500,000
Insured's son involved in car accident. $1,200,000
Insured's daughter involved in car accident. $1,500,000
Insured's spouse polls out of shopping mall and hits a bicyclist – full amount of damages pending.

Download More Claims Examples

Enroll for Coverage

As an exclusive member of Fortress you have access to the preferred coverage and pricing offered by the Chubb Group Personal Excess Policy. Enrollment is simple. Complete the one page enrollment form and send it to your Fortress agent with payment. If you have specific questions about enrollment, payment, or coverage, please contact your Fortress agent.

Your cost depends on the coverage limits you choose. There is a flat rate for each coverage limit under this plan. You can choose Excess Liability limits ranging from $1 million to $25 million, which also includes $1 million Excess Uninsured/Underinsured Motorist protection. There is an additional premium charge if you wish to increase the Uninsured/underinsured motorist protection above the included $1 million limit.

IMPORTANT:

When selecting your limits, the Uninsured/Underinsured Motorist protection limit cannot be higher than the Excess Liability limit.
You can increase your Excess Liability limit without increasing your Uninsured/Underinsured motorist Protection limit.
Your limits can be increased at any time throughout the year and will be effective the first of the following month after we receive the increased limit enrollment form. The coverage will renew on October 1 st , which will result in a prorated premium for the first year, if you increase mid-term.
Be sure to contact your local Fortress Agent or personal insurance representative to make sure your underlying policy coverages meet the minimum requirements for this program to prevent potential gaps in coverage.

Contact Your Agent

Download Enrollment Form

Required Primary Underlying Liability Insurance Policy Limits

You and your family members must carry the minimum required underlying coverage limits summarized in the chart below. If you do not, you will have a gap in coverage since the Group Personal Excess Liability Insurance policy applies above the required underlying limits. These limits are typical of the underlying limits most insurance companies require for a personal excess policy.

Coverage

Underlying Limits

Home

Auto

Watercraft

Personal Liability/Property Damage

$300,000 per each occurrence

$250,000 bodily injury per person, $500,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 bodily injury per person, $300,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 combined single limit per each occurrence

Personal Automobile Liability

Private passenger autos, motor homes, motorcycles and other motor vehicles with less than four wheels (Registered Vehicle)

Personal Automobile Liability
(Unregistered Vehicle)

$300,000 bodily injury and property damage per each occurrence

Uninsured Motorist / Underinsured Motorist Protection

$250,000 bodily injury per person, $500,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 bodily injury per person, $300,000 bodily injury per each occurrence and $100,000 property damage per each occurrence; OR
$300,000 combined single limit per each occurrence

Watercraft
Less than 26 for or less than 50 engine-rated HP

$300,000 per each occurrence

Watercraft
More than 26 for or less than 50 engine-rated HP

$500,000 per each occurrence

IMPORTANT: Contact your Fortress agent to ensure that your personal insurance program has the required underlying limits. This does not provide additional coverage over your professional liability limits.

My Group Excess is an insurance brokerage firm whose sole purpose is to administer Group Personal Excess Programs. Get started by clicking continue with either Fortress or OMSNIC now.

Why Group Personal Excess?

Are You Protected?

OMSNIC Personal Excess

Coverage Highlights

Claims Example - OMSNIC

Uninsured/Under Insured Liability Coverage

Claim Scenario 1

Claim Scenario 2

Actual Claims

Increase Your Limits

Required Primary Underlying Liability Insurance Policy Limits

Coverage

Underlying Limits

Home

Auto

Watercraft

Fortress Group Personal Excess

Coverage Highlights

Claims Examples - Fortress

Uninsured/Under Insured Liability Coverage

Claim Scenario 1

Claim Scenario 2

Actual Claims

Enroll for Coverage

Required Primary Underlying Liability Insurance Policy Limits

Coverage

Underlying Limits

Home

Auto

Watercraft

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