Structural Damage

Covers repairs or rebuilding of your home or business’s structure caused by floodwaters, ensuring the stability and safety of your property. This includes coverage for walls, floors, and foundation repairs to restore your home to its pre-flood condition.

Contents Coverage

Covers your personal and business possessions exposed to a flood, helping you recover without significant financial setbacks.

For businesses, this includes coverage for lost income and operating expenses if your business is temporarily closed due to flooding.

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Emergency Services

This covers the costs related to quick response support for emergency measures and temporary repairs to prevent further damage.

Furnace, Water Heater, and Central Air-Conditioning

Provides coverage for damage to essential systems within your home, including the furnace, water heater, and central air-conditioning, ensuring they are repaired or replaced. This helps maintain the comfort and livability of your home after a flood.

Flood Debris Clean-Up

Covers the costs associated with cleaning up debris left behind by flooding, helping to restore your property to its original condition. This includes the removal of mud and other debris that can cause further damage and health hazards.

Electrical and Plumbing Systems

This policy offers coverage for repairs to electrical and plumbing systems damaged by floodwaters, ensuring these critical systems are functional and safe. This includes replacing damaged wiring, outlets, and pipes to prevent future issues.

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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 Property?

Don’t let the next storm catch you unprepared. Get a free, no-obligation quote today and discover how we can help protect your home and business in the event of a flood.

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