For over 90 years, Tooher-Ferraris Insurance Group has been a champion for non-profits.Understanding the unique challenges non-profits face, we offer customized insurance plans designed to protect your mission, people, and community. Whether you’re running local outreach programs or international aid projects, our solutions ensure that your organization continues to operate smoothly and safely, enabling you to focus on making a difference.
Protects against lawsuits for bodily injury, property damage, and more.
Also known as Errors & Omissions (E&O) Insurance, this coverage protects your organization against claims of negligence, errors, or omissions in the performance of professional services.
Provides protection for the board members and executives of your non-profit against claims alleging wrongful acts, such as mismanagement or breach of fiduciary duty.
This coverage is essential for non-profits that rely on vehicles for community outreach, transportation of goods, and other mission-critical activities. It protects against damages from accidents, theft, and vandalism, ensuring that your organization can continue serving the community effectively without the financial strain of unexpected vehicle-related costs.
Volunteer Accident provides coverage for injuries sustained while they are engaged in authorized volunteer activities. This insurance is designed to offer peace of mind both to your volunteers and your organization, covering medical expenses, disability, and accidental death benefits, helping you maintain a strong and protected volunteer workforce.
Abuse or Molestation insurance offers crucial protection for non-profits, covering allegations and acts related to abuse or molestation that might occur within your organization. This policy is essential for maintaining trust and safety, ensuring that your non-profit can continue its valuable work while safeguarding those under its care against potential risks.
Covers physical assets owned by your organization, including buildings, equipment, and supplies, against risks such as fire, theft, and vandalism.
Provides coverage for employees who are injured or become ill as a result of their work. It includes benefits for medical expenses, lost wages, and rehabilitation services.
Protects against claims related to employment practices, including wrongful termination, discrimination, and harassment.
Safeguards against data breaches, cyber-attacks, and other online threats, covering expenses related to data breach response, cyber extortion, and losses due to data destruction and business interruption. Equip your organization with the right tools to respond effectively and maintain operational integrity in the face of cyber challenges.
Ensures your fundraising events, conferences, and outreach programs are protected against cancellations and unforeseen issues.
High-Deductible Health Plans (HDHPs) have gained traction among both employers and employees – do you want to know why? At a glance, these plans offer a unique blend of cost savings and incentives for proactive health management, making them an attractive option for those looking to balance healthcare expenses and coverage. However, that’s not all. […]
Businesses are increasingly leveraging data analytics to revolutionize their wellness programs and elevate population health management. By collaborating with employee benefits consultants, HR departments harness data-driven insights to understand employee health trends better, pinpoint potential risks, and craft tailored interventions that promote overall well-being. This proactive strategy allows HR teams to design more personalized and […]
Businesses seeking to enhance productivity, foster employee satisfaction, and manage healthcare costs effectively will find wellness programs to be a strategic and impactful solution. By focusing on the holistic well-being of employees—encompassing physical, mental, and emotional health—wellness programs create a healthier, more engaged workforce. Here are compelling reasons why integrating comprehensive wellness programs is essential […]
Many important HR compliance deadlines are approaching quickly. Your immediate attention is required to ensure compliance and avoid costly penalties. Act now to ensure your organization stays ahead of these regulatory obligations. Major Medicare Part D Changes Coming in 2025 Starting in 2025, Medicare Part D will introduce a new, enhanced benefit design that could […]
Understanding the environmental risks associated with construction and industrial operations is crucial for business owners in these sectors. The potential liabilities and financial consequences of pollution incidents can be severe, impacting the environment and your bottom line. This is where Pollution liability insurance, also commonly referred to as environmental insurance, becomes an essential part of […]
This alert is applicable to all large employers (ALEs) – generally, those with at least 50 full-time equivalent employees. The Internal Revenue Service (IRS) has released Rev. Proc. 2024-35, which contains the inflation adjusted amounts for 2025 used to determine whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s (ACA) employer shared […]
With our tailored insurance solutions, you can protect your mission and ensure your organization thrives. Contact us today for a free consultation, and let us help you customize a plan that fits your unique needs and challenges. Together, we can safeguard your efforts and continue to make a positive impact in the community.
