Flood Insurance
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Comprehensive Flood Insurance Solutions
Flooding poses a significant risk, whether it’s your home or business, even in areas not prone to natural disasters. Tooher-Ferraris Insurance Group offers expert flood insurance designed to protect your property from the unpredictable impact of flooding. Our commitment is to ensure you have the protection needed to safeguard your assets and recover quickly in the event of a flood, delivering peace of mind and financial security against water-related damages.
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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.
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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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.
Insights
No one plans to get sick or injured, but life has a way of disrupting even the best-laid plans. While most people insure their homes, vehicles, and even vacations, few stop to consider what would happen if they could no longer earn a living. In fact, a significant portion of the working population remains dangerously underinsured when it comes to income protection. Disability insurance for individuals is one of the most overlooked yet critical components of a sound financial plan—and it’s time more people started paying attention.
The reality is that disability doesn’t always mean a catastrophic accident. It can also mean a back injury, a chronic illness, or a mental health issue that prevents you from working for weeks, months, or even years. According to the Social Security Administration, more than one in four 20-year-olds will become disabled before reaching retirement age. That’s a staggering statistic, yet few individuals have a strategy in place to replace lost income in the event of the unexpected.
The Financial Toll of Being Uninsured
If you’re like most Americans, your lifestyle is largely shaped by your income. Mortgage payments, car loans, childcare, groceries, and retirement savings all depend on your ability to work. But without disability insurance for individuals, an injury or illness can quickly derail your financial stability. Savings may not last as long as expected, especially when coupled with rising healthcare costs. For many families, it takes just a few months without a paycheck to fall into serious debt or begin liquidating long-term assets.
Employer-provided short-term disability benefits—when available—often only last a few weeks and may not cover more than 60% of your base salary. Worse, some individuals are self-employed or work in high-income fields where employer plans don’t reflect actual earnings. That’s where individually owned disability insurance becomes essential. It ensures you can meet your obligations, support your loved ones, and maintain your quality of life, even when your ability to work is compromised.
Customized Coverage for Long-Term Peace of Mind
Unlike other types of insurance, disability insurance for individuals is highly customizable. Policies can be designed to replace a specific percentage of your income, include provisions for partial disability, or add coverage for cost-of-living adjustments. If you’re a high-earner, a professional in a specialized field, or self-employed, custom coverage allows you to protect not only your income but also your financial goals.
Tooher-Ferraris Insurance Group works closely with clients to structure policies around their profession, earnings, and lifestyle. Whether you’re a physician concerned about losing the ability to perform surgeries, a business owner with key responsibilities, or a consultant who depends on client-facing work, we help ensure your policy truly reflects the risks you face. And because disability often leads to additional financial strain—such as needing caregiving support or assistive equipment—it pairs well with long-term care insurance planning as part of a holistic protection strategy.
Protect Your Earning Power Before It’s Too Late
Your ability to earn an income is one of your most valuable assets, yet too many people leave it unprotected until it’s too late. With rising healthcare costs, limited government support, and the real risk of prolonged absence from work, disability insurance for individuals is no longer optional, it’s essential.
At Tooher-Ferraris Insurance Group, we help individuals and families protect what matters most. From customized disability coverage to complementary services like life insurance coverage and long-term care insurance planning, we offer solutions tailored to your life, career, and future goals. Let’s make sure your income and your future is fully protected.
Reach out today to discuss how we can help you build a stronger financial safety net.
For high-net-worth (HNW) families, financial planning isn’t just about asset accumulation—it’s about protecting and transferring wealth in the most efficient way possible. While life insurance is often seen as a tool for income replacement, it plays a far more strategic role in the estate plans of affluent households. In fact, life insurance coverage has become a cornerstone for those looking to reduce estate taxes, avoid probate delays, and preserve wealth for future generations.
With the right structure and guidance, life insurance can be a tax-advantaged, flexible solution to complex succession challenges. Whether you’re focused on passing on a business, maintaining liquidity, or equalizing inheritances, understanding how to leverage life insurance as a financial instrument is essential for long-term legacy planning.
Life Insurance as a Tax-Efficient Asset
One of the most compelling reasons HNW families invest in life insurance coverage is its ability to deliver tax-free death benefits. Unlike many other assets subject to estate or capital gains taxes, life insurance proceeds typically bypass probate and go directly to beneficiaries without delay. This structure offers significant planning advantages, particularly when managing large estates or illiquid assets, such as real estate, business holdings, or private investments.
For example, a life insurance policy can provide immediate liquidity to cover estate taxes, preventing heirs from having to sell off valuable assets at a loss or under pressure. This ensures the preservation of family wealth across generations. It also allows you to make tax-efficient gifts to heirs or charitable organizations, aligning your legacy with your long-term values.
Equalizing Inheritances and Business Succession
In many affluent families, estate distribution can become a source of conflict, particularly when not all heirs are involved in the family business or when some assets are harder to divide fairly. Life insurance addresses this issue by providing a mechanism to equalize inheritances. Parents can leave business interests to one child and use life insurance proceeds to provide an equivalent value to others, eliminating disputes and preserving harmony.
Life insurance also plays a central role in business succession. A properly structured policy can fund buy-sell agreements, allowing surviving partners or heirs to purchase the decedent’s share of a business smoothly. In high-value partnerships or privately held corporations, this is often the difference between orderly succession and financial disruption.
Strategic Coverage for Future Uncertainties
While planning for wealth transfer, high-net-worth individuals must also plan for life’s unexpected turns. In addition to life insurance coverage, other forms of protection, like disability insurance for individuals and long-term care insurance planning, are critical to a well-rounded risk strategy. A sudden illness or accident can derail even the most carefully structured estate if financial safeguards aren’t in place.
Moreover, many HNW families travel frequently for business or leisure. International travel brings unique risks, from medical emergencies abroad to trip cancellations and evacuations, which makes travel insurance a smart complement to a broader insurance portfolio. When your lifestyle involves global mobility, tailored protection ensures your assets, plans, and health remain secure no matter where life takes you.
Build Your Legacy with Strategic Coverage
Estate planning is more than a legal process, it’s an emotional one, rooted in values, legacy, and the desire to protect what matters most. Life insurance coverage offers unmatched flexibility and certainty in transferring wealth, covering tax liabilities, and ensuring your loved ones are taken care of long after you’re gone. But to maximize its impact, it must be part of a thoughtful, integrated financial strategy.
At Tooher-Ferraris Insurance Group, we work with high-net-worth families to design comprehensive life insurance solutions that support both financial goals and personal values. From sophisticated estate planning strategies to tailored risk management tools, our advisors bring deep experience and clarity to every conversation. Whether you’re exploring advanced life insurance coverage, securing disability protection, or planning for long-term care, we help you safeguard your future with confidence.
Let’s talk about your legacy and how the right insurance structure can help protect and preserve it for generations to come. Reach out today for a personalized consultation.
When you think about pollution liability, you might picture oil refineries or chemical plants, not earthmovers and grading contractors. But the reality is that heavy construction operations often carry significant pollution exposures, many of which are not covered by standard Commercial General Liability (CGL) policies.
For excavation contractors, road builders, demolition firms, or any business disturbing soil, pollution risks can be costly and complicated. One accidental spill or a hidden contaminant can trigger third-party lawsuits, regulatory fines, and cleanup costs that could sink a project.
At Tooher-Ferraris Insurance Group, we help contractors and developers understand how to protect themselves from these hidden risks. Let’s break down why CGL pollution exclusions matter, when to consider Contractors Pollution Liability (CPL), and how site-specific policies can safeguard your business.
Why Heavy Construction Has Pollution Risks
In the heavy construction world, “pollution” can come from unexpected places:
- Excavation: Unearthing old fuel tanks, asbestos, or contaminated soil
- Equipment leaks: Hydraulic fluid, fuel spills, or oil leaks from heavy machinery
- Stormwater runoff: Sediment and pollutants entering local waterways
- Demolition debris: Releasing hazardous materials like lead or PCBs
Even if your crews follow strict environmental protocols, accidents can still occur, and the resulting cleanup costs can be staggering.
Why CGL Pollution Exclusions Matter
Most contractors carry a Commercial General Liability policy that protects them against bodily injury, property damage, and related legal costs. But here’s the catch: standard CGL policies almost always contain a total or absolute pollution exclusion.
What does that mean?
If your work unintentionally releases a pollutant that causes third-party damage — say, contaminating a nearby river — your CGL carrier can deny the claim.
And these exclusions aren’t always obvious. Many policies define “pollutants” broadly to include anything from chemicals to smoke or vapor. The result? Contractors who think they’re covered for an accident may find out too late that they’re on the hook for environmental damage.
Real-World Example
Picture this:
A grading contractor unknowingly uncovers contaminated soil while excavating for a new development. The soil is transported off-site but spills along the way, contaminating nearby land. The state issues an environmental cleanup order and third parties sue for property damage.
The contractor files a claim with their CGL carrier only to have it denied due to the pollution exclusion.
When to Consider Contractors Pollution Liability (CPL)
A Contractors Pollution Liability (CPL) policy can fill these dangerous gaps. CPL insurance is designed specifically to cover:
- Third-party bodily injury or property damage from pollution conditions
- Cleanup costs, legal defense, and crisis management expenses
- Both sudden and gradual pollution incidents
- Work performed by you or your subcontractors
Who should consider CPL?
Any contractor whose operations could disturb existing contaminants or create new exposures should look at pollution liability coverage. This includes:
- Excavation and grading contractors
- Road and bridge builders
- Demolition contractors
- Utility contractors
- General contractors overseeing complex sites
Site-Specific Pollution Liability
Sometimes, one project carries unique pollution risks like working on a brownfield site or near sensitive ecosystems. In these cases, a site-specific pollution liability policy can be the better solution.
Site-specific coverage protects the project owner, general contractor, and other stakeholders for known and unknown conditions related to that site. Many lenders and project owners now require these policies as part of their risk management program.
Policy Best Practices
If you’re considering pollution coverage, keep these tips in mind:
Review Contract Requirements:
Many public and private projects require proof of CPL. Don’t wait until bid day to discover you’re missing coverage.
Assess Subcontractor Risk:
A subcontractor’s pollution mishap can still land you in court. Make sure subs carry appropriate CPL limits and track certificates carefully.
Work with an Expert Broker:
Pollution coverage can vary widely between carriers. Work with a broker who understands environmental risks and can negotiate the right endorsements for your operations.
Protect Your Projects and Your Balance Sheet
Heavy construction is challenging enough without unexpected environmental liabilities draining your resources. With tight profit margins and strict regulatory oversight, one uncovered pollution event can do lasting damage to your bottom line and reputation.
Tooher-Ferraris Insurance Group helps contractors assess their real exposures, find hidden coverage gaps, and implement risk transfer solutions that protect them in the field and in the boardroom.
Stay Covered and Compliant
Do you know what your CGL actually excludes? Let’s find out together. Connect with a Tooher-Ferraris advisor today to review your pollution exposures and see if Contractors Pollution Liability or site-specific coverage makes sense for your projects.