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)
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
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
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.
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.
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.
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.
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.
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.
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.