June 30, 2021

If you have been watching OneGroup over the past several years, you are aware that we are intent on growing our business to better serve our clients. There are advantages to being at scale—while maintaining an entrepreneurial spirit and speed. As the world becomes ever more complex and new risks emerge, it is critical to me and all of our team that we become better every day.

One area which had become increasingly important to our clients was our ability to serve their needs in southern states, particularly in Florida where many own second homes, autos, boats and valuables.

I am extremely proud today to announce today that OneGroup is now in Florida to serve our clients’ needs. We most recently merged with NuVantage, a fast-growing and well-respected agency centrally located in Melbourne on the east coast of Florida. I’m looking forward to working closely with Tom Wienckoski, founder of NuVantage, and his team of talented insurance professionals.

While we will be focused primarily on personal insurance in the Florida market, with an eye on helping clients through Florida’s volatile market for coverage, we will be able to provide business insurance as well as benefit insurance and human resources consulting.

“We are very excited to have the support of OneGroup’s access to markets as well as their more than 200 experts and specialists,” said Tom Wienckoski. “Our plan is rapid growth across the state of Florida and we have already begun hiring remote producers and speaking with agency owners who may desire partnering or being acquired.”

We have also opened a new agency in Spartanburg, South Carolina and are in the process of hiring producers there as well. In short, we’re working hard to be where our clients need us to be!

Pierre Morrisseau
Chief Executive Officer
PMorrisseau@OneGroup.com

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

ONEGROUP EXPERTS ARE READY TO HELP

Fill out the form below and an expert from OneGroup will contact you.

For Immediate assistance call 1-800-268-1830

Coverage cannot be bound or altered and a claim cannot be reported without confirmation from a representative of OneGroup.

If you have an active and adventurous lifestyle, you need responsive and customizable protection.

June 1, 2021

We tailor our clients’ insurance coverage to fit their unique lifestyles, but nowhere is that more apparent than in securing coverage for your recreational vehicles. The active, adventurous lifestyle of an RV owner needs responsive and customizable protection.

Independent agents can help you secure robust coverage at a price that works for you for traditional RVs including:

• Campers
• Motor Homes
• Conventional Travel Trailers
• Motor Coaches
• Fifth Wheel

Or non-traditional recreational vehicles like:

• Boats
• Jet Skis
• Snowmobiles
• Dirt Bikes
• Golf Carts
• All-Terrain Vehicles (ATV)
• And More

RV insurance generally works just like auto insurance. It can protect you from costs associated with repairs and replacements in the event of a crash or other damaging event, as well as costs associated with accidents you may be found liable for.

If you’re considering purchasing an RV to take advantage of all the adventure life has to offer, be sure you can do so with the peace of mind that solid, secure coverage allows.

More information on insurance for recreational vehicles and watercraft.

Call a OneGroup agent today to discuss your options: 800-268-1830.

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

ONEGROUP EXPERTS ARE READY TO HELP

Fill out the form below and an expert from OneGroup will contact you.

For Immediate assistance call 1-800-268-1830

Coverage cannot be bound or altered and a claim cannot be reported without confirmation from a representative of OneGroup.

Umbrella policies act as added layers of coverage when your standard policy is exceeded.

This article was first published as part of our personal insurance educational email series. The series has been so well received that we wanted to share the information with you. If you’d like to join our personal insurance mailing list, email insurance4u@OneGroup.com to let us know!

Insurance claims exceed standard policy limits all the time.

You might have enough property coverage to make home repairs after a fire, but not enough to cover a lawsuit after a 10-year-old is severely injured at your child’s pool party. Your auto policies may replace your car if you’re in an accident, but won’t pay the other driver’s long-lasting medical bills if they need extensive care.

Umbrella insurance policies are added layers of coverage. They enhance your existing policies and may act as primary coverage in areas excluded on your home/auto policies.

Umbrella policies cover the costs of injuries sustained by others who may be hurt in accidents involving you or your property. These may include auto accidents, boating accidents, trips/falls on your property, etc. They cover court and attorney fees if you are sued. They can also extend to the other members of your household, like if your teenager is found responsible for a major car accident, or throws a party involving underage alcohol consumption when you’re not around.

An umbrella policy can even protect your future income in the event your current assets do not add up to what you’re asked to pay in a settlement. (Yes – a judge can rule on money you have not yet earned!) 

Umbrella policies do all this for a fraction of the cost many expect. In fact, umbrella policies require some of the lowest premiums on the market.

Your agent or broker can help you decide if an umbrella policy makes sense for you. Your exposure to risk, the value of your current assets and your existing policies’ limits will all be important factors to consider.

Want to learn more, or speak with an expert to see if an umbrella policy is right for you? Connect with one of our team members today.

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

ONEGROUP EXPERTS ARE READY TO HELP

Fill out the form below and an expert from OneGroup will contact you.

For Immediate assistance call 1-800-268-1830

Coverage cannot be bound or altered and a claim cannot be reported without confirmation from a representative of OneGroup.

Do you have the risk mitigation strategies in place to protect your company from a cyber attack?

By Dennis Ast, CPCU, CCIC

When cyber insurance first appeared on the market, carriers needed lots of incredibly detailed information about their clients before they would consider writing their cyber coverage. Good policies were hard to secure because the exposures were so new. Cyber insurance applications could be more than ten pages long, and many companies needed to get multiple teams involved in order to complete the applications to even begin the underwriting process.

Eventually the cyber marketplace’s capacity grew, leading to shorter applications, broader coverage and lower premiums. However as claims frequency and severity grew the market began to change and then the pandemic hit and everything changed.

Higher numbers of remote workers opened insureds up to more cyber attacks. Increased time online gave cyber criminals more opportunities to strike on networks that were not properly secured. The sophistication of attack tactics became more advanced, and breaches and their resulting claims drove the cost of coverage sky high. Carriers are once again requiring lots of detailed information from companies hoping to secure cyber policies. There are new sublimits on some coverage types, coverage limiting endorsements and a few carriers have simply left the market altogether.

How can you ensure your company is cyber resilient?

• You can still protect yourself and your company from cyber attacks. With the right plans and a market-savvy insurance expert on your side, you can stay ahead of these trends.
• Continue to practice good cyber hygiene. Update your software often. Use multi-factor authentication and strong password protocols. Install End Point Detection and Response (EDR) software and establish protocols for remote access users. Always have a clean immutable backup of your data and test it.
• Have a “Cyber Response Plan.” Know exactly what you would do and who you would call the moment you suspect an attack. Alerting your cyber response team and your employees, accessing backups and having an adequate cyber insurance policy in place should all be part of the plan.
• Work with an expert on your insurance. Given the tumultuous state of the cyber market, it’s more important than ever to work with an agent that knows the industry. Your agent will stay up-to-date on the quickly changing trends in the cyber insurance market, and can accurately and effectively advocate your case to carriers.

If you want to learn more about any of the above information, give me a call using the information below.

Dennis Ast is a senior account executive at OneGroup. He can be reached at 716-572-2410 or DAst@OneGroup.com.

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

ONEGROUP EXPERTS ARE READY TO HELP

Fill out the form below and an expert from OneGroup will contact you.

For Immediate assistance call 1-800-268-1830

Coverage cannot be bound or altered and a claim cannot be reported without confirmation from a representative of OneGroup.

The most important lesson from the pandemic: how valuable a great team is.

By Pierre Morrisseau

It’s hard to believe it was over a year ago that the COVID-19 lockdowns first started. Some days I feel like the pandemic’s beginning was just yesterday, while other days it feels like it’s been ten years.

We’ve all spent the last 12 months growing, adapting, evolving and innovating. There’s been no shortage of lessons learned. One lesson stands out in particular: how important our teams and our teammates are.

Teamwork is the foundation of OneGroup’s operations. In every department, in every discipline, we know we can’t ‘go it alone.’ We study teamwork, we practice being good teammates, and we collaborate as much as we can. We understand that doing this makes a drastically better experience for our clients, who ultimately benefit from the knowledge of our more than 200 experts and specialists.

Several of our experts wrote about resiliency in this issue of our newsletter. From them, we can see that resiliency takes many forms. Whether it’s resiliency in our cyber defenses or resiliency in our workplaces, resiliency starts in our teams and in our people.

I truly believe that we are emerging from this crisis more united and more connected than we were in the first few days of March 2020. I’m constantly seeing my colleagues check in with one another, and I’m seeing them value these moments of connection more than ever before. I look forward to growing with our team in the months ahead, and anticipate sharing a positive, stronger future together and with you.

Pierre Morrisseau
Chief Executive Officer
PMorrisseau@OneGroup.com

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

ONEGROUP EXPERTS ARE READY TO HELP

Fill out the form below and an expert from OneGroup will contact you.

For Immediate assistance call 1-800-268-1830

Coverage cannot be bound or altered and a claim cannot be reported without confirmation from a representative of OneGroup.

Here’s what you need to know about setting up EFT for your insurance account.

March 8, 2021

EFT, or electronic funds transfer, is a set-it-and-forget-it method of insurance premium payment. It’s the secure and convenient way to ensure you never have to worry about missing payments. Simply link your insurance to your bank account or credit/debit card and your premiums will be automatically paid on the same day every month.

Those who take advantage of EFT enjoy:

• Contactless payment;
• Seamless service;
• Fewer and lower fees; and
• EFT-specific discounts.

When you set up EFT, your carrier will send you a schedule of exactly when and how much you’ll be charged so you can stay completely up-to-date on your status. If your policy changes (i.e., your teenager starts driving, you move, buy a new car, etc.) you’ll be sent an updated schedule. 

Pro Tips:
Credit and debit cards have expiration dates. Link your EFT to your bank account so you don’t need to change your information when your cards expire.
Remember to let your agent know if you are switching banks. If you don’t, your carrier may continue to charge your old bank, leading to complications, late fees, or even non-pay policy cancellation.

Want to learn more? Reach out using the form linked here!

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

ONEGROUP EXPERTS ARE READY TO HELP

Fill out the form below and an expert from OneGroup will contact you.

For Immediate assistance call 1-800-268-1830

Coverage cannot be bound or altered and a claim cannot be reported without confirmation from a representative of OneGroup.