Offers protection against claims of bodily injury or property damage arising from construction activities, ensuring financial security for your business.
Provides bonds that guarantee the completion of projects and adherence to contractual obligations, offering peace of mind to both builders and clients.
Extends coverage limits beyond standard policies, providing additional protection against significant liability claims that could impact your business.
Covers buildings under construction, including materials and equipment, against risks like fire, theft, and natural disasters, ensuring your projects are protected.
Provides coverage for movable property and equipment used in construction, protecting against loss or damage during transit or at job sites.
Covers materials and equipment being installed in a project, ensuring they are protected from damage or loss until the project is completed.
Offers coverage for medical expenses and lost wages for employees injured on the job, ensuring compliance and protection for your workforce.
Covers vehicles used in business operations, protecting against liability and physical damage arising from accidents involving company vehicles.
Manages risks associated with subcontractors by ensuring they have appropriate insurance coverage, reducing liability for the primary contractor.
Provides coverage for pollution incidents that occur at construction sites, protecting against environmental liabilities and cleanup costs.
Offers support and guidance to ensure compliance with OSHA regulations, helping to maintain a safe and compliant work environment.
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 […]
Don’t let unexpected risks stand in the way of your success. Take the first step in protecting your business with comprehensive insurance coverage. Contact us today for a free, no-obligation quote and ensure your projects are covered from start to finish.