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.

 

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.

 

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.

  Download Enrollment Form (PDF)

Mail to: My Group Excess
PO BOX 2203
Ellicott City, MD 21041
(855) 694-7739

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.

  Download Enrollment Form (PDF)

Mail to: My Group Excess
PO BOX 2203
Ellicott City, MD 21041
(855) 694-7739

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