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Insurance for OMS

OMSGuard™ Professional Liability Insurance for OMS

OMS National Insurance, Risk Retention Group


OMS National Insurance, RRG (OMSNIC) provides comprehensive claims protection and strong defense designed exclusively for oral and maxillofacial surgeons through OMSGuard Professional Liability Insurance. OMSNIC is OMS owned and only insures oral and maxillofacial surgeons. In fact, OMSNIC insures over 80% of eligible OMS nationwide and has earned the exclusive endorsement of AAOMS, as well as an "A (Excellent)" rating by A.M. Best Company.


Unmatched OMS practice protection includes powerful and specialized claims defense with OMS oversight. OMSGuard policy holders also enjoy a variety of discounts, OMSCap™ Preferred Stock, and comprehensive risk management education.

Business Owner's Policy

The Hanover Insurance Group


A business owner’s policy (BOP) or commercial package policy from The Hanover Insurance Group provides OMS practices with protection against additional types of risks, including accidents, property damage, loss of income and more.


The River Agency professionals can work with you to develop a Hanover Insurance solution tailored to fit your practice needs, including solutions for property insurance, commercial general liability insurance, workers compensation, employee benefits liability, loss of income and extra expense, data breach and commercial auto insurance. Don't settle for any off-the-shelf policy. Talk with the experts who can customize your coverage so that it's tailor-made for your OMS office.

Group Personal Excess Policy for OMS

The Chubb Group of Insurance Companies


Today more than ever it is important 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 over and above your primary homeowners, auto and watercraft policies.


A group personal excess policy provides that additional layer of protection with some extra benefits, including greatly reduced price, no individual underwriting and additional coverage not available through an individual personal excess policy. As an OMSGuard™ policyholder you automatically receive $1 million of personal excess coverage and are eligible to purchase increased limits up to $25 million, as well as $5 million of uninsured and underinsured motorist protection.

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