Our Condo Division had a great day at the Community Associations Institute Trade Show! Our VP, Frank Pingelski, also the President of CAI-CT, was a guest speaker. Dana, Lauri, and Michael were very excited to see all of our long-time clients and meet the new Condo Associations we insure.Read More

Most businesses and individuals are familiar with phishing, a cyberattack technique that entails cybercriminals leveraging fraudulent emails to manipulate recipients into sharing sensitive information, clicking malicious links or opening harmful attachments. While these email-based scams remain a pressing concern, a new form of phishing—known as smishing—has emerged over the years, creating additional cyber exposures for...Read More

The U.S. Department of Labor’s (DOL) Wage and Hour Division (WHD) enforces federal minimum wage, overtime pay, recordkeeping and child labor requirements of the Fair Labor Standards Act (FLSA). The WHD also enforces the Migrant and Seasonal Agricultural Worker Protection Act, the Employee Polygraph Protection Act, the Family and Medical Leave Act (FMLA), wage garnishment...Read More

As a family owned agency, we are dedicated to building relationships with our clients and carriers. We want to ensure personalized coverage and peace of mind, For the “What If” in life.™ We welcome you to experience what Tooher-Ferraris has to offer! #risksynergy #thoughtfulinsurance #forthewhatifinlifeRead More

This article describes general liability policies, the audit process, audit tips and what should be included in classification "91583 - Contractors - Subcontracted Work - in connection with building construction, reconstruction, repair or erection - 1 & 2 family dwellings". ~ 5 minute read. Commercial General Liability Policies are essential for all commercial businesses. A...Read More

Preparing for winter storms is crucial to your safety. As such, it’s important to become familiar with winter storm warning signals and appropriate prevention measures so that you can avoid cold weather injuries. Winter Weather Warnings Familiarize yourself with the following weather alerts in order to know what actions you may need to take: Winter...Read More

The Impact of Inflation on the Commercial Insurance Market   Over the past year, inflation has become a growing concern. Inflation issues have largely resulted from a culmination of labor and supply trends brought on by the COVID-19 pandemic, and they are clearly reflected within the country’s rising Consumer Price Index (CPI). According to the...Read More

The Occupational Safety and Health Administration (OSHA) requires employers subject to its recordkeeping requirements to post copies of their OSHA Form 300A between Feb. 1 and April 30 of each year. The OSHA Form 300A, also known as the “Summary of Work-related Injuries and Illnesses,” must be completed by Feb. 1 using data from the previous...Read More

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. Though it may be tempting to simply lower the temperature on a thermostat, there are several ways to lower your utility bill while staying warm and cozy. With this in mind,...Read More