Family in a car on vacation

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.

Are You Protected?

Young woman looking at damage to her car

 

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.

   

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.

 

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

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…

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.

 

1-855-694-7739
info@mygroupexcess.com
My Group Excess PO BOX 2203, Ellicott City, MD 21041