Umbrella and Excess
When It Rains, It Pours – and OneGroup’s Got You Covered
Excess liability insurance, often referred to as umbrella insurance, is an insurance policy that covers you above and beyond the amount of general liability insurance you carry to protect your business assets. Commercial excess liability insurance policies have two primary functions: Extend your total insurance protection past that of your basic general liability insurance policy, and expand the type of insurance coverage past your basic coverage to protect you against risks that are unique to your business and industry.
There are many types of excess insurance policies. Excess insurance needs to be very specific and choosing the right coverage to fully protect you is important. Smart business managers work with an independent insurance agency like OneGroup that is capable of identifying a wide range of risks—sometimes hidden risks—and one that can design a comprehensive excess liability insurance policy to fully protect their personal and business assets.
Excess liability insurance is very affordable
You might think that excess liability insurance is expensive but it is not. It is actually quite inexpensive given the amount of protection you receive. Most excess insurance policies are sold in million dollar increments up to about $20 million. A $1 million excess liability insurance policy will cost you as little as $150-$300 per year and each $1 million additional coverage is typically less.
Excess liability insurance quote
Consider purchasing an excess liability insurance policy with $2 million to $5 million in coverage. The cost is minimal when you have your personal and business auto and homeowners insurance with OneGroup and it could quite literally save your business and nest-egg from ruin.
Excess liability coverage can be involved so be sure you have the right insurance for your needs. OneGroup’s business risk specialists can help.
We make it easy for you. That’s why so many people turn to OneGroup for their umbrella and excess insurance. Save time. Save money.
New Version of the I-9 Form for 2025
U.S. Citizenship and Immigration Services (USCIS) has released a new version of Form I-9, which reintroduces the term “alien” as an option for categorizing an employee’s citizenship or immigration status.
Enhancing Return to Work and Timely Claims Reporting in Public Sector Organizations
In the public sector, ensuring a smooth and efficient return to work (RTW) process and timely claims reporting is crucial for maintaining workforce productivity and minimizing costs. At OneGroup, we understand the unique challenges faced by public sector organizations and are committed to providing insights and solutions to enhance these processes.
4 Strategies to Streamline Your Hiring Process
A slow hiring process could mean losing top talent. According to Robert Half International, 62% of job candidates will drop out of consideration if they don’t hear about their application within 10 to 14 days.