Safeguard your business with comprehensive commercial insurance solutions tailored to your industry. From property and liability coverage to specialized protections, our policies help shield your operations, assets, and employees from potential risks, ensuring your business stays resilient and prepared for the unexpected.
Protect your construction projects from start to finish with our comprehensive insurance solutions. From general liability and workers’ compensation to builder’s risk and equipment coverage, our policies safeguard your business against job site accidents, property damage, and financial loss, ensuring you stay on track and secure.
Ensure your business meets contractual and regulatory obligations with our comprehensive surety bond solutions. Whether for construction projects, compliance, or financial guarantees, our tailored bonds provide the security and trust you need to build strong business relationships and complete projects with confidence.
Learn More
Empower your business with comprehensive employee benefits solutions that attract and retain top talent. From health and wellness programs to employee benefits benchmarking, our solutions provide the coverage and support your employees need, while ensuring your business stays compliant with regulations and manages costs effectively.
With strong relationships across various industries, our dedicated team is equipped to provide insights and guidance tailored to your industry’s specific challenges.
Specialized coverage for arborists, protecting your business from equipment damage, property liability, and worksite injuries.
Customized insurance solutions for contractors, safeguarding your business from job site accidents, property damage, liability claims, and contractual liabilities.
Tailored equine insurance for stables, trainers, and riders, offering protection from horse-related risks and liabilities.
Comprehensive flood insurance coverage designed to protect your home or business from costly water damage.
Comprehensive coverage for custom home builders and remodelers, ensuring protection from construction liabilities.
Tailored insurance for the hospitality industry, offering protection for property, employees, and guests.
Comprehensive insurance solutions for non-profits, protecting your mission while minimizing financial risk, and covering your organization, volunteers, and directors from potential liabilities.
Safeguarding your properties is crucial whether you’re a private real estate investor, REIT, property manager, or operator of self-managed condo associations. Our tailored insurance solutions protect against property damage, liability, and operational risks
Ensure the smooth operation of your manufacturing business with insurance tailored to address industry-specific challenges. Our coverage includes product liability, property damage, workforce safety, and much more, helping you minimize disruptions and financial risks while keeping production on track.
Tailored coverage for pollution incidents, ensuring your business is protected from legal, remediation, and contamination costs.
Protect your business from the financial and environmental risks associated with storage tank leaks and contamination. Our storage tank pollution insurance offers coverage for cleanup costs, third-party liabilities, and regulatory compliance, ensuring you are safeguarded against unexpected spills and environmental hazards.
Life is a journey filled with exciting milestones and unexpected detours. Each significant event can bring immense joy and new responsibilities, but it also inevitably reshapes your personal insurance needs. Failing to adapt your coverage can leave you and your loved ones financially vulnerable when you need protection the most. At Tooher-Ferraris Insurance Group, […]
Dreaming of a stunning new kitchen, a spa-like bathroom, or a finished basement retreat? Home renovations are an exciting opportunity to improve your living space and increase the value of your property. But as you plan your project, it’s important not to forget a critical element: your homeowners insurance. Renovation projects, whether large or small, […]
Term life insurance is one of the most cost-effective and flexible tools available for financial protection. It offers coverage for a specific period—typically 10, 20, or 30 years—and provides a tax-free death benefit if the insured passes away during the term. This straightforward policy structure makes term life insurance a smart solution for both personal […]
Owning a recreational vehicle (RV) means embracing freedom, flexibility, and the thrill of life on the open road. Whether you’re cruising across the country or camping for a weekend getaway, your RV is more than just a vehicle—it’s your mobile home, and it needs insurance coverage that reflects its unique role in your life. […]
In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits. 2026 2025 Change Annual HSA Contribution Limit (employer and employee) Self-only: $4,400 Family: $8,750 Self-only: $4,300 Family: $8,550 Self-only: […]
Health care costs continue to rise at an unsustainable pace. For employers offering health plans, this upward pressure threatens not only budgets but also the ability to provide high-quality, competitive benefits. Yet some of the most successful plan sponsors are not only managing costs but actively bending the health trend. How? Through sophisticated use of […]
Your business deserves 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.