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We are happy to announce that the
Penna & Associates Agency has
officially joined OneGroup.
The Penna & Associates Agency
provides exemplary service, coverage
and expertise to its clients in the
Binghamton/Johnson City, NY area.
The Penna team has built an excellent
reputation with both personal and
commercial clients by serving them
with loyalty, integrity and compassion.
OneGroup Center
706 N. Clinton St.
Syracuse, NY 13204
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client.
OneGroup Newsletter Issue 47 | July 2018
In This Issue:
Exposing Exposures
Umbrella Coverage
Giving Your Insurance a Checkup
True Cost of a Bad Broker
Employee or Contractor?
…and more!
This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.
OneGroup.com Newsletter 47
4444
By Cheryl Webb
Experiencing a property or casualty claim can
be overwhelming and frustrating. Here are a
few pointers to help the claims process go
smoothly.
Remain calm. Contact the police if you need
to (i.e., auto accident, injury, theft, vandalism).
Document the damage. In the event of a
property loss, assess and prepare an inventory
of your property. Separate damaged goods
from undamaged goods. Take photos if
possible. Remember to protect property from
further damage.
In casualty liability or injury claims document
the details of the incident and indicate any
possible witnesses. Take photos. Do not admit
liability or assume responsibility, and do not
offer cash or negotiate any settlement.
Connect with your broker. OneGroup’s skilled
team of claim specialists are here to help you
navigate through the process. Upon our
contact with you, we will ask for details about
the loss so we can submit the incident to the
applicable insurance carrier. A representative
will contact you to explain the claim process so
you know what to expect, and discuss with you
your coverages and repair options.
Once your coverage is confirmed, help us
conduct an estimate or inspection. Your
carrier will issue payment as applicable.
Your OneGroup claim specialist will monitor
your claim from submission to conclusion.
We’ll conduct routine follow-ups to track the
claim’s status, assist with any documentation
and help answer any of your questions. As
your claims advocates, our approach is
proactive and focused. If you ever have any
questions about your claim process, always
feel free to reach out to any of our team
members. We are here to help. Remember:
when in doubt, call and talk it out.
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client.
How to File a Claim When tragedy strikes, here’s what you can expect during your claim process.
OneGroup is Growing!
1
Cheryl Webb is a
risk management claim
representative at OneGroup.
She can be reached at
315-413-4431 or
By Cheri Green
This summer marks OneGroup’s second
year hosting interns, and we could not be
more excited to welcome Abe Danaher,
Tori Mondi and Nick Zingaro to our team.
As part of our new internship curriculum,
our interns will be exposed to a variety of
experiences. Rather than spending the
whole summer in one field, they’ll spend
time with our marketing, risk management,
HR & benefits, business insurance, personal
insurance departments and more. They’ll
benefit from the wisdom of a mentor, while
also having the opportunity to share their
own specialties. They’ll attend networking
events, work on vital projects and fully
immerse themselves in the world of
insurance and risk management.
Abe Danaher, Nick Zingaro, Tori Mondi
Continued on page 3.
Interning with
OneGroup Our internship program is back and
better than ever.
Exposing Exposures How my visit to the AFM research facility changed the way I look at coverage
Ask the Expert: Umbrella Coverage How to get the liability limit you absolutely need
By Rina Corigliano-Hart
Your business is growing and you are giving serious thought to adding an employee.
You have a choice: you could add a “traditional” employee to your payroll or you can
hire an “independent contractor.”
To prevent any unwanted labor law surprises, let’s take a closer look:
Employee? Contractor? How to tell the difference
This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client. 2 5
Cheryl Zuranski is vice
president of business
insurance services at
OneGroup. She can be
reached at 315-413-4440 or
By Cheryl Zuranski
Most businesses have property risks
extending far beyond just physical building
damage. Inventory, warehouse risks,
manufacturing risks and healthcare risks are
all on the table.
I recently got a unique and valuable
perspective on these risks by experiencing
many of them firsthand. No, my building
didn’t catch fire from a flood-induced
electrical spark – I took a trip to the FM
Global Research Campus.
The FM Global Research Campus in
Johnston, Rhode Island, is a hub of loss
prevention engineering and research.
If you’ve ever wondered how insurance
professionals know what we do about risk
management, it’s thanks to scientists and
researchers like those on this team. They
recreate all kinds of exposures – floods,
dust explosions, wind, earthquakes, fires
and more – to test methods of preventing
and controlling damage.
Seeing these dangers come to life was
eye opening. I help others insure their
businesses against them every day, but I
(thankfully) have never seen them in
person. I got to see how adding a simple
device to shelving spared all the contents
of a warehouse during a simulated
earthquake, and how the installation of a
heavy-duty fabric to a campus’ perimeter
could save an entire hospital from a multi-
million dollar loss.
My group spent some significant time
talking about one of the most frequently
reported workplace hazards – fires. Fires
can happen anywhere at any time, and
can turn from dangerous to deadly in a
matter of moments.
First, we watched a fire take over a
warehouse without sprinklers. Within
minutes, the incident became a total loss.
Not only was the inventory completely
unrecognizable, but the heat from the fire
had risen so quickly (we could tell because
of a high-tech pointer that measured the
fire’s temperature) that the building’s
steel structures were damaged almost
beyond repair.
Then, we watched an identical warehouse
setup catch fire; now with a new sprinkler
system installed. The researchers measured
how much damage the flames could do
with a new sprinkler design installed. What
had just been a total loss would now
require only a few days of cleanup for the
company to be back in business.
I walked past a wall of sprinkler models
dating back through the 1800s, still
thinking about what I’d just seen in the
“warehouses” and marveling at the ages of
the devices. Each newer version was
improved in some way – making buildings
safer.
The best part, though, is that this
innovation won’t stop in 2018. These
researchers are still working to improve the
function and quality of safety equipment.
Because of them, we are safer every day.
By Andrew Ellis
Umbrella policies are some of the most
important and underutilized coverages out
there. People don’t buy them because they
don’t know what they are and they don’t
understand the value or the benefit.
Insurance companies don’t push for it, and
clients don’t know what to ask about it.
What is personal umbrella coverage?
You already have a set liability limit,
probably around $300,000, on your auto
and home policies. But what would you do
if an accident you were in caused more
damage than that? Medical bills cost far
more than $300,000, especially if there are
major injuries or you have to pay for long-
term care.
If you have a particularly expensive claim
or are sued for more than your existing
limits, the courts will take your existing
assets until your bills are paid off. If that
still doesn’t cover the damage (which, in
many long-term care accidents, it does
not), a percentage of all of your future
income is on the line.
Personal umbrella coverage increases your
liability limit, so you can keep your assets
Continued on page 5
Umbrella Coverage, continued from page 2
and protect your future income.
What does it cost?
You can be covered for over a million
dollars for not much more than $150-$300
per year.
Who needs it?
Everyone. Really. If you have any assets at
all and want to protect your future income,
you need to look into an umbrella policy.
I had one client years ago who accidentally
slid off the highway and hit a fiber optics
box. That could happen to anyone. He had
a $50,000 limit on his auto liability policy,
which maxed out pretty quickly – the
overall cost of replacing the box was
$400,000. He’s still paying for that one slip,
and will be for many years to come.
Legal fees and judgements have to be
considered, too. If you are sued for an
accident involving property damage or
bodily injury, chances are good that the
sticker price of the incident will be higher
than your limits. Studies have shown that
over 13% of personal injury liability lawsuits
settle for over a million dollars. That’s more
than one in every ten. If you’re that one,
you’ll need an umbrella policy to cover that.
An umbrella policy may seem like a once-
in-a-blue-moon necessity, but it’s a
necessity nonetheless. We know this
because we see the claims. Many only see
their premiums. If you want to talk about
any of the information in this article,
please reach out to any of our advisors or
use my contact information below.
Andrew Ellis is a branch
manager/agent at
OneGroup. He can be
reached at 315-898-2208 or
Words words words caption photos Warehouse without sprinklers. Andrew Bierman and Mike Adrian check
out sprinklers dating back to the 1800s. Warehouse with sprinklers.
An employee:
relies on the business for
significant and steady income
gives up elements of control
and independence
is eligible for certain benefits
performs work within the
constraint of a workplace
does not have a great deal of
control over the work they are
responsible for
does not pay for materials,
supplies and/or equipment
necessary to perform the job
An independent contractor:
supplies his or her own
equipment and tools
can be discharged at any time
and can choose whether or
not to come to work without
fear of losing employment
controls the hours he/she
works
is performing work/tasks that
would be considered
temporary
The IRS uses three categories to help employers decide if they have an employee of an
independent contractor: financial control, relationship and behavioral control. If the
business controls specific financial aspects of the person’s job, can direct certain
behaviors and perceives the relationship as a long-term investment, that person might
be an employee. These categories are explained in detail on the IRS’ website -
www.irs.gov/newsroom/understanding-employee-vs-contractor-designation
The IRS also developed a 20-Factor Test to help employers evaluate whether a
worker is an employee or an independent contractor. The test consists of 20 “yes” or
“no” questions regarding a worker’s duties and relationship to the employer. If there
are a high number of “yes” marks on the test, then the worker would probably be
considered an employee and added to your payroll.
When someone is a traditional employee, the employer must withhold income taxes,
unemployment taxes, pay social security, Medicare and workers’ compensation, and pay
disability premiums. When a worker is an independent contractor, the employer does
not have to pay any of these.
Should you, as the employer, incorrectly classify a worker as an independent
contractor, you may find yourself liable for past taxes including FICA and federal
unemployment tax. You may also face penalties from your state workers’
compensation board for violations of mandatory insurance coverage requirements.
When you as an employer control the way work is carried out and how a product is
delivered, the relationship is most likely employer/employee. If you do not have
authority over how the work is done,
but simply provide an outline, the
relationship is most likely employer/
independent contractor. If you would
like a complimentary copy of the 20-
Factor Test, just give me a call using the
information to the right.
Rina Corigliano-Hart is a
OneSelect account
consultant at OneGroup.
She can be reached at
315-413-4492 or
Doctors: It’s Time to Give Your Insurance a Check Up
Medical malpractice insurance is
changing. Check these vital signs to
ensure all your policies are in good health.
The True Cost of a
Bad Broker It’s probably more than you think.
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client. 3
By Brian Hurley
Behind-the-scenes changes in medical
malpractice are rapidly altering the way
doctors see insurance. It’s time to look at
some vital signs and give your entire
insurance policy a checkup.
Medical Malpractice Insurance
The leading New York medical malpractice
insurance carrier is going through some
major changes. Policy holders can expect
to receive large, taxable payouts. Although
Brian Hurley is a senior
health care and business risk
specialist at OneGroup.
He can be reached at
315-413-4407or
By Adam Brown
Insurance is a significant cost to most
companies. For this reason, business
owners can and should control the
process. Not all business owners know
how, though, and that can cost them even
more. The process goes awry when A) the
business provides limited information; B)
just wants a “quote;” or C) the broker gives
his/her pitch, secures copies of existing
policies, and presents a lower price than
what the business was paying.
All of the above present a problem for your
business. You may see a lower price, but
existing errors will be replicated, new ones
will be created and the underwriters may
not have a true understanding of your
exposures without complete and proper
information. (And believe me, it’s a lot of
information.)
The business then runs the risk of not
being adequately protected at the time
of the claim. There are strategies that if
deployed properly, can assist in providing
you with a better understanding of where
your coverage begins and ends. The best
way to prevent these types of problems is
to find a broker who has your best
interests in mind.
Adam Brown is a senior
vice president,
manufacturing and
distribution risk
specialist at OneGroup.
He can be reached at
315-413-4454 or
these changes may not directly affect day-
to-day operations, doctors should make
sure they have expert insurance/financial
professionals ready to assist when these
changes take place. Otherwise, they risk
facing significant tax liability.
Cyber Insurance
Cyber liability is a doctor’s second-largest
exposure. Think of it this way: your
liability = your number of patient records
x $200. That’s the cost to report and
monitor a data breach. 1,000 patient
records? Make sure you have at least
$200,000 in cyber liability coverage.
Commercial Insurance
Do you own the building you practice in?
Maybe you have policies for workers’
compensation or high value medical
equipment (HVME). The markets for
these have changed, so make sure your
advisor is canvassing the market to keep
current. As your practice changes, your
coverage needs to keep up.
Internship, continued from page 1.
If you or someone you know would be
interested in an opportunity like this,
we’ll be posting next year’s application
information in winter of 2019. In the
meantime, please join me in welcoming
Abe, Tori and Nick to our team and
wishing them good luck and success in
the months to come.
Cheri Green is a training
coordinator at OneGroup.
She can be reached at
315-413-4419 or
Connect with OneSelectTM OneGroup’s unique offerings for small and emerging businesses
Kirsten began her career at OneGroup in
2014. Since then, she has worked to earn
her NYS Property & Casualty License and
her designation as a Certified Insurance
Service Representative (CISR). Kirsten
currently serves as a Client Advisor on the
OneSelect team, assisting clients with their
day-to-day insurance needs. Her bachelor’s
degree in Sociology from LeMoyne College
has given her the necessary tools to
provide a compassionate approach when
advising clients on how to better protect
their business assets.
This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.
4
Business Spotlight: Russo Painting Co. LLC
Owner: Mike Russo
Years in Business: 20+
Located in: Chittenango, NY
“In 1994, with a Grossman’s credit card and a desire to be my own boss, I
worked alongside my mentor, Herb Merz, and developed the skills I needed to
create my own company. Having no formal business education, I persevered
over the course of nearly 25 years following a few fundamental business
practices. First, always take pride in everything that you do. Next, have
integrity and be respectful. Last, make an immediate connection with your
customer. The goal is to make every customer feel confident in you and what
you are offering.
I am amazed by how far I’ve come and how much I’ve grown. I started by working
alone with a second-hand work van, and now I’m running Russo Painting, a
regional painting company with projects as far as Pennsylvania.”
Why OneGroup?
“I remember the apprehension I had when I hired my first employee, and all of
the uncertainty I had about having the proper insurance. As my business has
continued to grow and evolve, my exposures have done the same. OneGroup
has been a vital partner in my success. With a quick phone call to Kirsten and
the OneSelect team, any and all of my issues are resolved. My reservations
about insurance are a thing of the past.” –Mike Russo
Want to be featured in a Connect with OneSelect? Contact Rachelle Keator at
[email protected] or Kirsten Shepard at [email protected].
“I showed up to my first commercial job at Big Lots in Oneida,
NY with nothing but a paint roller and bucket...”
OneSelect is OneGroup’s portfolio of
products and services exclusively for small
and emerging businesses. OneSelect
connects these companies to a team of
more than 200 experts and specialists in
insurance, risk management, HR & benefits
and more, to solve their problems and help
them thrive.
Featured OneSelect Expert:
Kirsten Shepard, CISR
Kirsten Shepard is a client
advisor and business
insurance specialist at
OneGroup. She can be
reached at 315-413-4441 or
Did you know?
The NYS Workers’ Compensation Law
requires employers to provide workers’
compensation insurance for all of their
employees. An employee is defined as
“day labor, leased employees, borrowed
employees, part-time employees, unpaid
volunteers (including family members)
and most subcontractors.”
Exposing Exposures How my visit to the AFM research facility changed the way I look at coverage
Ask the Expert: Umbrella Coverage How to get the liability limit you absolutely need
By Rina Corigliano-Hart
Your business is growing and you are giving serious thought to adding an employee.
You have a choice: you could add a “traditional” employee to your payroll or you can
hire an “independent contractor.”
To prevent any unwanted labor law surprises, let’s take a closer look:
Employee? Contractor? How to tell the difference
This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client. 2 5
Cheryl Zuranski is vice
president of business
insurance services at
OneGroup. She can be
reached at 315-413-4440 or
By Cheryl Zuranski
Most businesses have property risks
extending far beyond just physical building
damage. Inventory, warehouse risks,
manufacturing risks and healthcare risks are
all on the table.
I recently got a unique and valuable
perspective on these risks by experiencing
many of them firsthand. No, my building
didn’t catch fire from a flood-induced
electrical spark – I took a trip to the FM
Global Research Campus.
The FM Global Research Campus in
Johnston, Rhode Island, is a hub of loss
prevention engineering and research.
If you’ve ever wondered how insurance
professionals know what we do about risk
management, it’s thanks to scientists and
researchers like those on this team. They
recreate all kinds of exposures – floods,
dust explosions, wind, earthquakes, fires
and more – to test methods of preventing
and controlling damage.
Seeing these dangers come to life was
eye opening. I help others insure their
businesses against them every day, but I
(thankfully) have never seen them in
person. I got to see how adding a simple
device to shelving spared all the contents
of a warehouse during a simulated
earthquake, and how the installation of a
heavy-duty fabric to a campus’ perimeter
could save an entire hospital from a multi-
million dollar loss.
My group spent some significant time
talking about one of the most frequently
reported workplace hazards – fires. Fires
can happen anywhere at any time, and
can turn from dangerous to deadly in a
matter of moments.
First, we watched a fire take over a
warehouse without sprinklers. Within
minutes, the incident became a total loss.
Not only was the inventory completely
unrecognizable, but the heat from the fire
had risen so quickly (we could tell because
of a high-tech pointer that measured the
fire’s temperature) that the building’s
steel structures were damaged almost
beyond repair.
Then, we watched an identical warehouse
setup catch fire; now with a new sprinkler
system installed. The researchers measured
how much damage the flames could do
with a new sprinkler design installed. What
had just been a total loss would now
require only a few days of cleanup for the
company to be back in business.
I walked past a wall of sprinkler models
dating back through the 1800s, still
thinking about what I’d just seen in the
“warehouses” and marveling at the ages of
the devices. Each newer version was
improved in some way – making buildings
safer.
The best part, though, is that this
innovation won’t stop in 2018. These
researchers are still working to improve the
function and quality of safety equipment.
Because of them, we are safer every day.
By Andrew Ellis
Umbrella policies are some of the most
important and underutilized coverages out
there. People don’t buy them because they
don’t know what they are and they don’t
understand the value or the benefit.
Insurance companies don’t push for it, and
clients don’t know what to ask about it.
What is personal umbrella coverage?
You already have a set liability limit,
probably around $300,000, on your auto
and home policies. But what would you do
if an accident you were in caused more
damage than that? Medical bills cost far
more than $300,000, especially if there are
major injuries or you have to pay for long-
term care.
If you have a particularly expensive claim
or are sued for more than your existing
limits, the courts will take your existing
assets until your bills are paid off. If that
still doesn’t cover the damage (which, in
many long-term care accidents, it does
not), a percentage of all of your future
income is on the line.
Personal umbrella coverage increases your
liability limit, so you can keep your assets
Continued on page 5
Umbrella Coverage, continued from page 2
and protect your future income.
What does it cost?
You can be covered for over a million
dollars for not much more than $150-$300
per year.
Who needs it?
Everyone. Really. If you have any assets at
all and want to protect your future income,
you need to look into an umbrella policy.
I had one client years ago who accidentally
slid off the highway and hit a fiber optics
box. That could happen to anyone. He had
a $50,000 limit on his auto liability policy,
which maxed out pretty quickly – the
overall cost of replacing the box was
$400,000. He’s still paying for that one slip,
and will be for many years to come.
Legal fees and judgements have to be
considered, too. If you are sued for an
accident involving property damage or
bodily injury, chances are good that the
sticker price of the incident will be higher
than your limits. Studies have shown that
over 13% of personal injury liability lawsuits
settle for over a million dollars. That’s more
than one in every ten. If you’re that one,
you’ll need an umbrella policy to cover that.
An umbrella policy may seem like a once-
in-a-blue-moon necessity, but it’s a
necessity nonetheless. We know this
because we see the claims. Many only see
their premiums. If you want to talk about
any of the information in this article,
please reach out to any of our advisors or
use my contact information below.
Andrew Ellis is a branch
manager/agent at
OneGroup. He can be
reached at 315-898-2208 or
Words words words caption photos Warehouse without sprinklers. Andrew Bierman and Mike Adrian check
out sprinklers dating back to the 1800s. Warehouse with sprinklers.
An employee:
relies on the business for
significant and steady income
gives up elements of control
and independence
is eligible for certain benefits
performs work within the
constraint of a workplace
does not have a great deal of
control over the work they are
responsible for
does not pay for materials,
supplies and/or equipment
necessary to perform the job
An independent contractor:
supplies his or her own
equipment and tools
can be discharged at any time
and can choose whether or
not to come to work without
fear of losing employment
controls the hours he/she
works
is performing work/tasks that
would be considered
temporary
The IRS uses three categories to help employers decide if they have an employee of an
independent contractor: financial control, relationship and behavioral control. If the
business controls specific financial aspects of the person’s job, can direct certain
behaviors and perceives the relationship as a long-term investment, that person might
be an employee. These categories are explained in detail on the IRS’ website -
www.irs.gov/newsroom/understanding-employee-vs-contractor-designation
The IRS also developed a 20-Factor Test to help employers evaluate whether a
worker is an employee or an independent contractor. The test consists of 20 “yes” or
“no” questions regarding a worker’s duties and relationship to the employer. If there
are a high number of “yes” marks on the test, then the worker would probably be
considered an employee and added to your payroll.
When someone is a traditional employee, the employer must withhold income taxes,
unemployment taxes, pay social security, Medicare and workers’ compensation, and pay
disability premiums. When a worker is an independent contractor, the employer does
not have to pay any of these.
Should you, as the employer, incorrectly classify a worker as an independent
contractor, you may find yourself liable for past taxes including FICA and federal
unemployment tax. You may also face penalties from your state workers’
compensation board for violations of mandatory insurance coverage requirements.
When you as an employer control the way work is carried out and how a product is
delivered, the relationship is most likely employer/employee. If you do not have
authority over how the work is done,
but simply provide an outline, the
relationship is most likely employer/
independent contractor. If you would
like a complimentary copy of the 20-
Factor Test, just give me a call using the
information to the right.
Rina Corigliano-Hart is a
OneSelect account
consultant at OneGroup.
She can be reached at
315-413-4492 or
We are happy to announce that the
Penna & Associates Agency has
officially joined OneGroup.
The Penna & Associates Agency
provides exemplary service, coverage
and expertise to its clients in the
Binghamton/Johnson City, NY area.
The Penna team has built an excellent
reputation with both personal and
commercial clients by serving them
with loyalty, integrity and compassion.
OneGroup Center
706 N. Clinton St.
Syracuse, NY 13204
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client.
OneGroup Newsletter Issue 47 | July 2018
In This Issue:
Exposing Exposures
Umbrella Coverage
Giving Your Insurance a Checkup
True Cost of a Bad Broker
Employee or Contractor?
…and more!
This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.
OneGroup.com Newsletter 47
4444
By Cheryl Webb
Experiencing a property or casualty claim can
be overwhelming and frustrating. Here are a
few pointers to help the claims process go
smoothly.
Remain calm. Contact the police if you need
to (i.e., auto accident, injury, theft, vandalism).
Document the damage. In the event of a
property loss, assess and prepare an inventory
of your property. Separate damaged goods
from undamaged goods. Take photos if
possible. Remember to protect property from
further damage.
In casualty liability or injury claims document
the details of the incident and indicate any
possible witnesses. Take photos. Do not admit
liability or assume responsibility, and do not
offer cash or negotiate any settlement.
Connect with your broker. OneGroup’s skilled
team of claim specialists are here to help you
navigate through the process. Upon our
contact with you, we will ask for details about
the loss so we can submit the incident to the
applicable insurance carrier. A representative
will contact you to explain the claim process so
you know what to expect, and discuss with you
your coverages and repair options.
Once your coverage is confirmed, help us
conduct an estimate or inspection. Your
carrier will issue payment as applicable.
Your OneGroup claim specialist will monitor
your claim from submission to conclusion.
We’ll conduct routine follow-ups to track the
claim’s status, assist with any documentation
and help answer any of your questions. As
your claims advocates, our approach is
proactive and focused. If you ever have any
questions about your claim process, always
feel free to reach out to any of our team
members. We are here to help. Remember:
when in doubt, call and talk it out.
One Company. One Focus. One Team. One Mission: To serve each client as our ONE client.
How to File a Claim When tragedy strikes, here’s what you can expect during your claim process.
OneGroup is Growing!
1
Cheryl Webb is a
risk management claim
representative at OneGroup.
She can be reached at
315-413-4431 or
By Cheri Green
This summer marks OneGroup’s second
year hosting interns, and we could not be
more excited to welcome Abe Danaher,
Tori Mondi and Nick Zingaro to our team.
As part of our new internship curriculum,
our interns will be exposed to a variety of
experiences. Rather than spending the
whole summer in one field, they’ll spend
time with our marketing, risk management,
HR & benefits, business insurance, personal
insurance departments and more. They’ll
benefit from the wisdom of a mentor, while
also having the opportunity to share their
own specialties. They’ll attend networking
events, work on vital projects and fully
immerse themselves in the world of
insurance and risk management.
Abe Danaher, Nick Zingaro, Tori Mondi
Continued on page 3.
Interning with
OneGroup Our internship program is back and
better than ever.
