Property Coverage

Provides comprehensive protection for various property-related risks in the hospitality industry. This coverage is designed to safeguard your assets and ensure business continuity. We offer insurance in the following areas:

  • Property – Tenant Improvements & Betterments
  • Food Spoilage
  • Boiler and Machinery
  • Ingress and Egress
  • Flood/Earthquake
  • Civil Authority
  • Unique Assets, Such as Greenery and Fine Art

Liability Coverage

Offers comprehensive protection against various liability risks faced by businesses in the hospitality industry. This coverage ensures financial stability and protection in the event of unexpected incidents.

  • General Liability
  • Employment Practices Liability
  • Liquor Liability
  • Animals, Spas, Watercraft, and Sporting Activities
  • Special Events
  • Terrorism

Specialized Coverage

Addresses unique and specialized risks within the hospitality industry, providing tailored protection to manage specific exposures effectively. We offer insurance in the following areas:

  • Cyber/Data Breach
  • Windstorm

Workers Compensation

Provides coverage for medical expenses, rehabilitation costs, and lost wages for employees who suffer injuries or illnesses related to their job. This insurance ensures that employees receive the necessary support while protecting the business from legal claims and financial burdens associated with workplace injuries.

Additional Coverage

Offers protection for critical equipment and other essential assets, ensuring business continuity and operational stability.

  • Boiler and Machinery

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 Business?

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.

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