Our Employee Benefits Services

We offer various employee benefits service designed to meet your business’s unique needs. Whether you’re a small business aiming to set up a benefits program for the first time or a large corporation looking to enhance an existing plan, we have the knowledge and experience to assist you.

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.

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

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.

Insights

March 20, 2025

Captive Risk Management: A Smarter Way to Take Control of Your Insurance Strategy

For many businesses, traditional general liability insurance and professional liability insurance offer essential protection—but they often come with limitations. Rising premiums, rigid policy terms, slow claims processes, and frustrating exclusions can leave companies feeling powerless. As organizations grow, so do their risks. Yet, conventional insurance often struggles to keep pace, offering little flexibility or control. […]

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March 20, 2025

Specialty Drug Coverage: Managing the Fastest-Growing Cost in Employee Benefits

While employee benefits are always changing, one of the most significant challenges is the escalating cost of specialty drugs. These medications, designed to treat complex and chronic conditions like cancer, rheumatoid arthritis, and multiple sclerosis, are revolutionizing patient care. However, their high price tags are placing immense pressure on employer-sponsored health plans. Understanding the drivers […]

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March 20, 2025

The Hidden Costs of a Bad Benefits Package: Why Retention Starts with the Right Offerings

Attracting and retaining top talent has become one of the most pressing challenges for employers. Gone are the days when offering a competitive salary alone was enough to secure long-term employee loyalty. Today’s workforce—especially younger generations—places equal, if not greater, value on the quality and variety of the benefits an employer provides. From health coverage […]

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March 20, 2025

Embracing Agile HR: A Smarter Approach to Change Management in Today’s Workplace

In the current business climate, change is constant and often unpredictable. Shifting workforce expectations, evolving technologies, regulatory updates, and new competitive pressures reshape how organizations operate. Adaptability has become a non-negotiable skill for HR professionals responsible for supporting their workforce and driving organizational success. Traditional HR processes, often structured in rigid, step-by-step models, struggle to […]

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Construction Bonds vs. Insurance: What Contractors Need to Know

Construction projects are large-scale, high-stakes undertakings that involve careful coordination of multiple moving parts—contractors, subcontractors, suppliers, project owners, lenders, and regulatory bodies, just to name a few. With so many players involved, and tight deadlines and budgets at play, there’s no shortage of risks that can threaten the project’s timeline, financial stability, or overall success. […]

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March 20, 2025

Unveiling the Hidden Perils: Why Event Insurance is Non-Negotiable

Hosting an event—whether it’s a corporate conference, a community festival, or even a wedding—is an exciting yet expensive undertaking. While the focus is often on guest experience, logistics, and coordination, the reality is that behind every successful event lies a web of potential liabilities. These hidden risks can easily derail your plans, leaving you exposed […]

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