With the tightening of the insurance market and national competitors easing out of the state, 2001 was the time right for OMAG to add a property program to its existing insurance coverages.

Features of OMAG's property program include:

• Property values written at 100% replacement cost
• No coinsurance penalty
• Deductible per occurrence
• Coverage form includes loss from fire, lightning, wind, hail, vandalism, and theft
• Equipment Breakdown coverage (also known as Boiler & Machinery)
• Extra Expense coverage
• Ordinance and Law coverage
• Builder's Risk coverage
• On-site appraisals on locations valued at $250,000 and above

Quotes can be completed more efficiently if we have the following information available:

• Schedule of all locations
• Occupancy
• Physical address
• Year built
• Square footage
• Construction type (example: frame, brick, metal)
• 5 years loss experience

Additional coverages available through OMAG include:

• Airport Liability
• Special Events such as parades, celebrations, festivals, and concerts
• Canine mortality insurance
• Fidelity or Surety Bonds for employees and officials

Claims are handled in-house, by our own claims examiners.