Wishing everyone a day filled with celebration, joy, and fireworks!
Happy Independence Day!
In observance of the holiday our office will be closed Thursday (July 4th) and Friday (July 5th).
We will re-open on Monday, July 8th.
Community Associations
Community Associations Have Unique Risks. Avoid Generic Insurance Solutions.
The least costly option presented by an insurance carrier and Agency that do not specialize in this class of business may often be the costliest in the event of a claim.
Understanding the market, association boards, unit owners and property manager initiatives are key to securing a comprehensive program that will meet the needs of the association from both a risk management and insurance standpoint.
Selecting Your Agent is the Most Important Part of the Buying Process.
There are many factors to consider when selecting your association’s agent:
- Market access
- Specialized team focused on this unique class of business
- Understand market dynamics having written business through multiple market cycles
- Inhouse claims management team
- Inhouse loss control representative
- Submission Quality and representation of your account to Underwriters
- Template loss control & mitigation programs
Associations Face Unique Exposures That Require Experienced Specialists to Procure the Right Coverage.
Tooher-Ferraris Insurance Group has been a leader in providing community association insurance programs since 1980 by partnering with specialty insurance carriers. Our risk advisors are experts in the design of risk management and insurance programs for community associations.
Our collaborative approach will offer an association a competitive advantage in terms of both coverage and price by helping to reduce their exposure to loss and includes:
- Property Inspections
- Unit Owner Coverage Guides
- Template Risk Transfer Guides
- 24-Hour Preferred Claims Response
- Loss Control Bulletins
- Ongoing Claims Management & Support
- Best Practice Maintenance Standards
- Annual Meeting Reviews with Boards and to unit owners
- Claim Analysis
Our Goal is to Help Associations Maintain a Comprehensive, Competitive Insurance Program Through Proactive Involvement.
We deliver more than just your renewal, we deliver a long-term sustainable insurance program to meet an association’s unique needs.
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Insights
This Memorial Day, we pause to remember and honor the brave men and women who made the ultimate sacrifice for our country. Their courage and dedication ensure the freedoms we enjoy every day.
We are grateful for their service and commitment. As we celebrate this day with our families and friends, let’s take a moment to reflect on the true meaning of Memorial Day.
In observance of the holiday, our office will be closing at 12:30pm on Friday, May 24th, and will reopen on Tuesday, May 28th. We wish everyone a safe and reflective Memorial Day!
Happy Earth Day! 🌎
Let’s celebrate our beautiful planet and recommit to protecting it for future generations. Whether it’s reducing plastic use, planting trees, or advocating for sustainable practices, every action counts! Together, we can make a difference.
On Monday, April 8, 2024, a solar eclipse will be visible across a large part of the United States, from Texas to Maine. Leading up to and immediately following the eclipse, state officials anticipate record numbers of people flocking to the path of totality (i.e., where the eclipse will be most apparent).
Approximately 180 million people live within 200 miles of the eclipse path, according to information cited by the Wall Street Journal. If even a fraction of these people venture to view the eclipse, areas could be inundated with vehicles and pedestrians.
In 2017, during the last eclipse, some people reported sitting in traffic for five to 12 hours or longer. For anyone traveling to see the 2024 eclipse, be sure you know what to expect.
Planning Ahead
The best trips are often planned, so don’t embark on an eclipse journey without some forethought. Give yourself plenty of time to get to your destination. Consider going a day or two in advance, if possible. Similarly, as thousands of people may be in the area, be sure to budget ample time to get home afterward. It may make sense to book a nearby hotel or campsite for the night.
Before heading out, make sure you have a full tank of gas; it’s not uncommon to run out of fuel while stuck in traffic for hours. Additionally, ensure you have water, food, printed directions (in case cellular data is spotty), medications and anything else you may require if delayed in traffic for a lengthy period. Also, don’t forget your solar eclipse–viewing glasses.
Staying Safe on the Road
Did you know that reading a text takes your eyes off the road for an average of five seconds?
At 55 mph, this is the equivalent of driving across an entire football field with your eyes closed. April is Distracted Driving Awareness Month, so there’s no better time to practice responsible driving. With millions of people on the road, the last thing you need is to get into an accident.
Consider the following safe-driving tips:
- Stay calm. Mentally prepare for vehicle slowdowns. Accept that you’ll be in traffic, and don’t let emotions turn into road rage.
- Never look at a handheld device while driving. Pull over if you must answer a call or respond to a text. Even in a traffic jam, glancing at your phone can lead to a fender bender or worse.
- Avoid adjusting the radio or GPS. Even your car’s infotainment system can be a distraction. If you need to check your location, pull over to a safe place first or have someone else in the vehicle direct you.
- Never stop on the freeway. As the saying goes, “A good driver may sometimes miss their exit; a bad driver never does.” Absolutely never stop on a freeway for any reason other than an emergency. If you miss a turn, continue on and take the next available one.
The 2024 solar eclipse is bound to be unforgettable; however, traveling to and from its path may be slow-going and fraught with potential risks. Make sure you understand exactly where you’re going before you leave and have everything you need for the trip.
Let’s cherish this time with loved ones, creating beautiful memories, sharing laughter, and enjoying delicious meals. From our family to yours, we wish you a joyous and bountiful Thanksgiving filled with warmth and happiness.
Veterans Day holds a special place in our hearts as we reflect on the selfless service of those who have defended our nation. It’s a day to express our appreciation for the sacrifices made by these heroes, who have answered the call to protect the values we hold dear.
Thank you to all veterans for your service and sacrifice. Happy Veterans Day!
