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.
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
- Unlimited Defense Costs
- Identity Theft Resolution Coverage
- Kidnap Expense