Protects your business’s physical assets, including buildings, equipment, inventory, and furniture, against risks such as fire, theft, and natural disasters. 

Other Commercial Property Insurance Solutions:

Business Interruption Insurance

Equipment Breakdown Insurance

Flood/Storm Coverage (if not included)

• Inland Marine Insurance (for movable property)

• Cyber Property Insurance (for digital assets)

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Shields your business from financial loss due to claims of injury, property damage, or negligence.

Other General Liability Insurance Solutions:

• Product Liability Insurance (for businesses that sell products)

• Premises Liability (for accidents occurring on the business property)

• Completed Operations Coverage

• Liquor Liability (for businesses that serve alcohol)

• Advertising Liability

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Provides medical benefits and wage replacement to employees who are injured or become ill due to their job. This coverage not only protects your employees but also reduces the risk of lawsuits related to workplace injuries.

• Employer’s Liability Insurance

• Occupational Accident Insurance

• Disability Benefits

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Provides financial support to cover lost income and operating expenses when your business is temporarily unable to operate due to a covered event, such as a fire or natural disaster.

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Executive Risk Insurance

Safeguard your executives and board members from personal losses due to wrongful act allegations. Coverage includes D&O, EPLI, and Fiduciary Liability Insurance against shareholder lawsuits, discrimination claims, and regulatory investigations.

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Protect your business from claims of negligence, errors, or omissions in your professional services. Coverage includes E&O and Malpractice Insurance, safeguarding against lawsuits related to inadequate work or service failures that could lead to client financial loss.

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Protect your business vehicles with comprehensive insurance for trucks, vans, and company cars. Coverage includes fleet insurance, hired and non-owned auto insurance, cargo insurance, and trucking insurance for uninterrupted operations.

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Protects your business from financial losses resulting from data breaches, cyber-attacks, and other cyber-related incidents. This coverage includes costs related to legal fees, notification expenses, and recovery of compromised data.

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Product Liability Insurance

Protects against claims of injury or damage caused by products your business manufactures or sells.

Offers additional liability coverage beyond the limits of your existing policies. This ensures that your business is protected against large and unexpected claims that could exceed your primary insurance limits.

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Insights

December 17, 2024

Rising Healthcare Costs: What’s Driving the Trend in 2025?

Key Drivers of 2025 Healthcare Cost Increases Healthcare costs are climbing at an alarming rate, outpacing inflation and wage growth. According to PwC’s Health Research Institute, healthcare spending is projected to grow at a 7% annual rate by 2025—a figure that places significant financial pressure on individuals, employers, and the healthcare system as a whole. […]

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December 17, 2024

AI and Employee Assistance Programs (EAPs): Transforming Mental Health Support in the Workplace

How AI is Shaping the Future of Workplace Mental Health Not long ago, addressing workplace stress, anxiety, or burnout often meant furtive calls from secluded offices or the apprehension of being stigmatized for seeking help. Fast forward to today, and the narrative is changing. Businesses are placing employee well-being front and center, and a significant […]

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December 10, 2024

Drive Other Car Coverage: What It Is and Why You Need It

When it comes to auto insurance, most people assume their personal policy will cover them in every situation. However, for individuals or businesses that rely on vehicles not personally owned—such as company cars or rental vehicles—this assumption could lead to costly gaps in coverage. That’s where Drive Other Car (DOC) Coverage comes into play. DOC coverage […]

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December 10, 2024

E&O Coverage for Builders: Why It’s Not Just About Design Mistakes

Errors and Omissions (E&O) insurance is often associated with protecting against design-related errors, but it goes far beyond that for builders. Subcontractors bring specialized expertise to construction projects, from electrical wiring and plumbing to HVAC installations and interior finishes. While this division of labor boosts efficiency and quality, it also introduces potential liability for errors […]

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December 10, 2024

Tooher-Ferraris Insurance Group Expands Arborists Insurance Program for Tree Care Specialists

The company offers tailored insurance, employee benefits, and risk management solutions to protect its clients and help them grow with confidence. Wilton, CT— 11/26/24: Tooher-Ferraris Insurance Group, a trusted insurance partner for thousands of businesses and individuals, is excited to announce the expansion of its Arborists Insurance Program for tree care specialists. With over 90 […]

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December 10, 2024

Equine Insurance Solutions for Breeders, Riders, and Trainers

Horses are a significant financial and emotional investment, and the costs associated with their care, training, and competition can be substantial. However, the risks involved in the equestrian world are equally significant. Injuries, illnesses, accidents, and even theft can result in devastating losses. Equine insurance provides a safety net, protecting you against these risks. For […]

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Ready to Secure Your Business?

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.

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