Elevate Your Peace of Mind with Comprehensive Personal Insurance

Since 1932, clients have trusted Tooher-Ferraris Insurance Group to deliver personal insurance solutions with expertise from a wide range of top insurance carriers. We recognize that your assets, lifestyle, and risks are unique. Our mission is to provide customized insurance solutions that safeguard what matters most to you. At Tooher-Ferraris Insurance Group, we believe in a personalized approach. We utilize advanced risk analysis and coverage design techniques to ensure you receive the best protection possible. Our tailored insurance solutions are crafted to fit your circumstances, offering you peace of mind and security. Experience the benefits of working with a partner who truly understands your unique needs and is dedicated to protecting your assets and lifestyle.

24/7 access to your account information

Download our Mobile App for Apple or Android to access your account information, Auto ID cards, and request changes.

Our Personal Insurance Solutions

Overview of the main personal insurance products offered, including Private Client Group, Auto Insurance, Home Insurance, Watercraft Insurance, Health Insurance & More, and Additional Coverages.

• Private Client Group: Personalized risk management for high-net-worth individuals and families.
• Auto Insurance: Vehicle, motorcycle, RV, ATV, and classic car insurance.
• Home Insurance: Homeowners, high-value home, renters, landlord, and condo insurance.
• Watercraft Insurance: Boat, yacht, and personal watercraft coverage.
• Health Insurance & More: Health, life, long-term care, and disability insurance.
• Additional Coverages: Umbrella, special event, valuables/collections, travel, and cybersecurity/identity theft insurance.

Ready To Secure Your Personal Assets?

You deserve the best protection available. Contact us today to discuss your specific needs and how we can tailor a comprehensive insurance package for you. Our friendly, knowledgeable staff is here to assist you every step of the way.

Schedule a Review

Let’s discuss your specific needs with one of our trusted advisors.

Tooher-Ferraris Insurance Group: Your Partner in Employee Benefits

A robust employee benefits program is essential for attracting and retaining top talent. Effective benefits meet employees’ diverse needs and align with your company’s financial objectives. As your trusted broker and consultant, we are dedicated to collaboratively designing and implementing customized employee benefits solutions that propel your business forward. Our strategic partnership with the Benefit Advisors Network (BAN) allows us to enhance our offerings, providing innovative solutions by tapping into the expertise and extensive resources of a leading nationwide network of benefits professionals.

Health & Welfare

• Group Health Insurance: Medical, Dental & Vision, Prescription Drug, Fully Insured Plans, Partially Self-Funded/Level Funded, FSA/HRA/HSA, Telemedicine
• Group Ancillary Insurance: Accidental Death & Dismemberment, Basic Life, Dental/Vision, Short Term/Long Term Disability, Employee Assistance Programs
• Voluntary Employee Benefits

Employee Benefits Strategy and Consulting

We provide “best-in-class” insurance solutions tailored to develop a competitive benefits program that not only attracts but also retains top talent. Our approach ensures measurable results that maximize your ROI and foster a culture of well-being throughout your organization, enhancing both employee satisfaction and corporate health.

• EB Strategy & Consulting
• HR Consulting & HCM Services
• HR Compliance and Legal
• Wellness and Population Health Management
• Captive Solutions
• Pharmacy Management
• HR Technology Consulting
• Actuarial Services
• Data Analytics & Benchmarking
• International Benefits

Employer Services

• Enrollment Support
• HR Resources
• Actuarial Consulting
• Financial Reporting
• Plan & Contribution Strategy
• Renewal Support & Negotiation
• Employee Education
• Benefits Communication Tools
• COBRA Services and Support

Our Risk Synergy client portal is designed to give your organization essential resources and tools around HR, Compliance, Risk Management, and Safety.

• Compliance, Risk Management, and learning resources
• Learning Management System
• People Management
• 24/7 Self-Service Portal

Transform How You Manage HR

Access our Risk Synergy® Client Portal for HR Excellence. Unlock essential HR content, resources, compliance tools, and workforce development solutions—all in one easy-to-use portal. From job descriptions to handbooks, compliance to compensation—our Dynamic Risk Synergy® Portal gives your HR team everything they need to succeed.

Benefit Advisors Network (BAN): A Trusted Partnership

When you partner with Tooher-Ferraris Insurance Group, you gain more than our expertise. You tap into a national network through the Benefit Advisors Network (BAN), which includes some of the most experienced benefits advisors, consultants, and thought leaders nationwide. This powerful collaboration ensures that our clients are supported by the resources and capabilities of one of the nation’s premier networks of independent benefits consultants.

Together, We Create Successful Outcomes

Our goal is to help you grow. Whether your workforce is 50 or 50,000, our benefits experts operate like your team members because that’s the level of partnership your workforce deserves.

• Customized Solutions: Benefit packages are designed to meet each client’s specific needs, ensuring relevance and effectiveness across all workforce sizes.
• Expert Guidance: Benefit from our deep industry knowledge and experienced specialists who provide strategic insights and solutions and act as an integral part of your team.
• Growth Support: Our proactive strategies are crafted to scale with your business, enhancing employee satisfaction and managing costs effectively through each growth stage.
• Comprehensive Partnership: We offer unwavering support, from initial strategy formation to ongoing management, ensuring compliance and streamlined benefits administration.

Let’s Build Your Employee Benefits Program

Your employees are your most valuable asset, and offering a competitive benefits package is key to keeping them engaged and motivated. Tooher-Ferraris Insurance Group is here to help you design a benefits program that meets your business objectives and supports your workforce. Contact us to see how we can create an impressive employee benefits strategy and provide comprehensive solutions tailored to your needs.

Quote, Compare, and Purchase Travel Insurance

Compare top plans and providers to find the best travel insurance for your unique trip.

Coverage for Your Next Trip

Overview of available coverage types: Comprehensive, Medical, Cruise, Student, Annual.

• Comprehensive: cancellation, interruption, delay, and medical benefits.
• Medical: travel medical insurance for emergencies.
• Cruise: specialized coverage for cruise travel.
• Student: insurance for educational travel.
• Annual: year-round protection for frequent travelers.

Why Purchase Travel Insurance from InsureMyTrip?

InsureMyTrip offers over 20 years of experience, unbiased plan comparisons, licensed agent support, and thousands of real customer reviews.

• Unparalleled Customer Service
• Unbiased Plan Comparison
• Thousands of Real Customer Reviews
• Top Plans from Trusted Providers
• The Most Value for Your Trip

What Coverage Do I need?

Different plans and options are available for various concerns and coverages. Types include Comprehensive, Travel Medical, Evacuation, Schengen Visa, and Cruise.

• Comprehensive: most benefits, ideal for nearly every traveler.
• Travel Medical: for those traveling abroad needing medical coverage.
• Evacuation: emergency medical evacuation to appropriate care facilities.
• Schengen Visa: for travelers requiring a Schengen Visa.
• Cruise: coverage for unique cruise travel concerns.

Life Insurance Get a Quote

Tooher-Ferraris Insurance Group offers Life Insurance solutions. Prospective clients are encouraged to schedule a review to discuss their specific needs with a trusted advisor.

Schedule a Review

Let’s discuss your specific needs with one of our trusted advisors.

Need Help?

Phone support is available at (203) 834-5900.

24/7 Account Access

Tooher-Ferraris Insurance Group and CSR24 team up to offer you 24/7 access to your account information. Download the mobile app for Apple or Android to access your account, auto ID cards, and initiate service requests.

• 24/7 account access
• Mobile app for Apple and Android

Transforming the way you manage compliance, risk, and workforce development.

Risk Synergy® Portal is a self-service portal designed to give your organization essential resources and tools around HR, Compliance, Risk Management, and Safety.

Compliance, Risk Management, and learning resources

• Compliance, Risk Management, and learning resources
• Learning Management System
• People Management
• 24/7 Self-Service Portal

Watch our Demo: Risk Synergy® Portal

Empowering Your Organization with Simple, Smart Tech for Compliance, Risk, Safety, and HR Management from Tooher-Ferraris Insurance Group on Vimeo

Our portal is built in modules, so you only pay for what you use.

Responsive Pricing Table and feature breakdown by module.

• Content, Compliance, HR, and Learning Management System modules
• Comprehensive content and compliance tools
• Specialized HR and LMS features

Schedule a Review

Let’s discuss your specific needs with one of our trusted advisors.

Protect Your Business with Comprehensive Insurance Solutions

Tooher-Ferraris Insurance Group offers a wide range of business insurance solutions to protect your company from the unexpected. Their collaborative approach helps identify your loss exposure, recommend strategies, and implement insurance and risk management programs.

Commercial Insurance Solutions

Comprehensive commercial insurance solutions tailored to your industry. Coverage includes property, liability, and specialized protections to shield operations, assets, and employees.

Surety Bonds

Comprehensive surety bond solutions for contractual and regulatory obligations, including construction projects, compliance, and financial guarantees.

Employee Benefits

Comprehensive employee benefits solutions to attract and retain talent, including health and wellness programs, benchmarking, and compliance support.

Specialty Insurance Solutions

Specialty insurance solutions crafted for unique industry risks, with guidance and insights tailored to specific business challenges.

• Arborists
• Custom Home Builders & Remodelers
• Equine
• Flood Insurance
• Hospitality
• Manufacturing
• Mergers & Acquisitions Insurance Solutions
• Non-Profit
• Pollution
• Real Estate
• Specialty Trade Contractors
• Storage Tank Pollution

Schedule a Review

Let’s discuss your specific needs with one of our trusted advisors.

Community Associations Have Unique Risks. Avoid Generic Insurance Solutions.

The least costly option presented by an insurance carrier and Agency that do not specialize in this class of business may often be the costliest in the event of a claim. Understanding the market, association boards, unit owners and property manager initiatives are key to securing a comprehensive program that will meet the needs of the association from both a risk management and insurance standpoint.

Selecting Your Agent is the Most Important Part of the Buying Process.

There are many factors to consider when selecting your association’s agent.

• Market access
• Specialized team focused on this unique class of business
• Understand market dynamics having written business through multiple market cycles
• Inhouse claims management team
• Inhouse loss control representative
• Submission Quality and representation of your account to Underwriters
• Template loss control & mitigation programs

Associations Face Unique Exposures That Require Experienced Specialists to Procure the Right Coverage.

Tooher-Ferraris Insurance Group has been a leader in providing community association insurance programs since 1980 by partnering with specialty insurance carriers. Our risk advisors are experts in the design of risk management and insurance programs for community associations. Our collaborative approach will offer an association a competitive advantage in terms of both coverage and price by helping to reduce their exposure to loss and includes:

• Property Inspections
• Unit Owner Coverage Guides
• Template Risk Transfer Guides
• 24-Hour Preferred Claims Response
• Loss Control Bulletins
• Ongoing Claims Management & Support
• Best Practice Maintenance Standards
• Annual Meeting Reviews with Boards and to unit owners
• Claim Analysis

Our Goal is to Help Associations Maintain a Comprehensive, Competitive Insurance Program Through Proactive Involvement.

We deliver more than just your renewal, we deliver a long-term sustainable insurance program to meet an association’s unique needs.

Testimonials

Tooher Ferraris Insurance Group is the most professional insurance group we have ever worked with for the condominium associations. They are the most helpful and knowledgeable group we have worked with. Their response time is outstanding whenever questions arise or information is needed.

Comprehensive Flood Insurance Solutions

Flooding poses a significant risk, whether it’s your home or business, even in areas not prone to natural disasters. Tooher-Ferraris Insurance Group offers expert flood insurance designed to protect your property from the unpredictable impact of flooding. Our commitment is to ensure you have the protection needed to safeguard your assets and recover quickly in the event of a flood, delivering peace of mind and financial security against water-related damages.

Structural Damage

Covers repairs or rebuilding of your home or business’s structure caused by floodwaters, ensuring the stability and safety of your property. This includes coverage for walls, floors, and foundation repairs to restore your home to its pre-flood condition.

Contents Coverage

Covers your personal and business possessions exposed to a flood, helping you recover without significant financial setbacks.

Business Interruption

For businesses, this includes coverage for lost income and operating expenses if your business is temporarily closed due to flooding.

Emergency Services

This covers the costs related to quick response support for emergency measures and temporary repairs to prevent further damage.

Furnace, Water Heater, and Central Air-Conditioning

Provides coverage for damage to essential systems within your home, including the furnace, water heater, and central air-conditioning, ensuring they are repaired or replaced. This helps maintain the comfort and livability of your home after a flood.

Flood Debris Clean-Up

Covers the costs associated with cleaning up debris left behind by flooding, helping to restore your property to its original condition. This includes the removal of mud and other debris that can cause further damage and health hazards.

Electrical and Plumbing Systems

This policy offers coverage for repairs to electrical and plumbing systems damaged by floodwaters, ensuring these critical systems are functional and safe. This includes replacing damaged wiring, outlets, and pipes to prevent future issues.

Get an Instant Flood Insurance Quote

Instant Flood Insurance Quote

Ready to Secure Your Property?

Don’t let the next storm catch you unprepared. Get a free, no-obligation quote today and discover how we can help protect your home and business in the event of a flood.

Schedule a Review

Let’s discuss your specific needs with one of our trusted advisors.