Advice and Counseling for Our A/E Specialists

O’Neill Associates Inc. is your go-to insurance brokerage and risk management consulting firm for design professionals.

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O'Neill Associates Inc.

O’Neill Associates Inc. is comprised of highly knowledgeable advisors that are motivated to help protect and preserve their clients’ business. While we offer a broad range of general business insurance solutions, we specialize in professional liability for design professionals across the country. We deliver the right coverage and exceptional value and service to hundreds of design firms of all sizes.

In order to serve our clients best, we not only provide insurance solutions to protect their business but foresee circumstances and offer services that may help mitigate these potential risks. Of course, we leverage the latest industry resources to provide you with coverage, risk management, and contract review tailored to your practice, but we also remember the difference between simply billing clients and actually serving them. See for yourself. Read more about us!

A Simple Mistake Can Cause Financial Devastation

Professional liability, also known as errors and omissions (E&O), protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. We’ll design coverage that protects you from the risks you face as a design professional.

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More Than Just Insurance

We offer additional services to ensure the safety and security of your business.

  Risk Management

It’s important to educate our clients on issues of loss prevention and risk management to understand exposure. Resources include one-on-one meetings, seminars, and webinars sponsored by underwriters for principals and staff.

  Contract Reviews

A well-drafted contract can be the best risk management tool. We review contracts for our insureds to determine the insurability of those contracts and help identify issues in the contracts that may increase their liability exposure.

  Claims Assistance

We advise clients on the pre-claims assistance service available from carriers. We ensure claims are cared for in a timely manner and are in constant communication with carriers to advocate for the best interests of our clients.

What Makes Us Special

Here’s what sets us apart when it comes to serving your insurance needs.

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Rapid Responses

Our clients deserve a firm that is focused on their needs with urgency and care—and we’re always available when you need us.

Convenient and Available

We go the extra mile to exceed your expectations and are available to guide you toward protective solutions.

Industry Knowledge

Our agents are well versed in business insurance solutions and are focused on helping you minimize your risks.

What Makes Us Special

Here’s what sets us apart when it comes to serving your insurance needs.

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Rapid Responses

Our clients deserve a firm that is focused on their needs with urgency and care — and we’re always available when you need us.

Convenient and Available

We go the extra mile to exceed your expectations and are available to guide you toward protective solutions.

Industry Knowledge

Our agents are well versed in business insurance solutions and are focused on helping you minimize your risks.

Insurance Carriers at a Glance

We represent some of the industry’s leading insurance carriers.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Risk Management

Risk Management

Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.

Solution

Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.

Compliance

Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.

Solution

There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training

Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.

Solution

Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements

Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.

Solution

Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving

Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.

Solution

Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards

Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.

Solution

While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.

Technology

Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.

Solution

Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

Risk Management 101

Identify and minimize your exposure with risk management solutions.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Kinnelon, NJ

15 Kiel Avenue, Suite 301
Kinnelon, NJ 07405

We proudly serve businesses across the country.

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