Our dealings with your firm have always been helpful and super professional. We were dropped by a different insurance carrier and in a bind when we bought our house. Your firm set us up with another carrier efficiently and cost-effectively. It was stress-free.
Personal Risk
Elevate Your Peace of Mind with Comprehensive Personal Insurance
Since 1932, clients have trusted Tooher-Ferraris Insurance Group to deliver personal insurance solutions with expertise from a wide range of top insurance carriers. We recognize that your assets, lifestyle, and risks are unique. Our mission is to provide customized insurance solutions that safeguard what matters most to you.
At Tooher-Ferraris Insurance Group, we believe in a personalized approach. We utilize advanced risk analysis and coverage design techniques to ensure you receive the best protection possible. Our tailored insurance solutions are crafted to fit your circumstances, offering you peace of mind and security.
Experience the benefits of working with a partner who truly understands your unique needs and is dedicated to protecting your assets and lifestyle.
24/7 access to your account information
Download our Mobile App for Apple or Android to access your account information, Auto ID cards, and request changes.
Our Personal Insurance Solutions
Private Client Group
High-net-worth individuals and families deserve a personalized approach to managing risks, including coverage for homes, collections, liability, cybersecurity, and life insurance. We understand the importance of your legacy and have the experience to help safeguard it for future generations.
Auto insurance protects you financially from liability for accidents you cause, damage to your vehicle from collisions or other events, and medical expenses in case of injury.
We offer insurance in the following areas:
- Vehicle Insurance
- Motorcycle Insurance
- RV Insurance
- ATV Insurance
- Classic Car
Covers your home’s structure, contents, and personal liability against fire, theft, vandalism, and other perils. We offer insurance in the following areas:
- Homeowners Insurance
- High-Value Home Insurance
- Renters Insurance
- Landlord Insurance
- Condo Insurance
Watercraft insurance is offered on a package basis, meaning that there is coverage for physical property and protection against the legal and financial consequences of injuring others or damaging property that belongs to others.
- Boat
- Yacht
- Personal Watercraft
Health Insurance & More
Helps cover medical expenses incurred due to illness, injury, hospitalization, and sometimes even preventive care.
We also offer:
Protect yourself over and above your underlying insurance policies that might not cover these more specialized areas of risk.
- Umbrella
- Special Event
- Valuable Items/ Collections
- Travel Insurance
- Cybersecurity Insurance/ Identity Theft Coverage
Tooher-Ferraris Insurance Group offers homeowners protection, convenience and competitively priced insurance programs to meet your family’s particular needs.
Call us today at 800.899.0093 for a review of your insurance program.
Testimonials
What Our Clients Say
Alyson
Ready To Secure Your Personal Assets?
You deserve 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.
Insights
- Personal Lines
Wildfires, stronger storms, unexpected flooding, and shifting weather patterns have changed the meaning of home protection for millions of Americans. As these risks intensify, Tooher-Ferraris Insurance Group helps businesses navigate the same complexity through strategic HR and risk-focused consulting.
The same principles apply to homeowners who now need homeowners’ insurance policies aligned with a rapidly changing climate. According to NOAA, climate disasters causing at least one billion dollars in damages have quadrupled in frequency over the past decade. This surge has accelerated the evolution of homeowners’ insurance policies to keep pace with new realities.
1. Why Climate Change Is Redefining Property Risk
Rising global temperatures have resulted in extreme weather events that affect homes in every region. Coastal homeowners now face higher storm surges. Inland properties experience more frequent flash floods.
Western states continue to battle severe wildfire seasons. The insurance industry has responded with updated risk models that prioritize predictive climate data. These models influence premiums, exclusions, and even coverage availability.
For homeowners, understanding this shift is essential. In 2026, insurers will increasingly evaluate a property’s risk using forward-looking climate data rather than historical trends. That means traditional coverage structures will no longer match the modern threat environment.
2. Emerging Coverage Options Homeowners Should Know
Insurers are introducing new, climate-focused features that offer stronger, more relevant protection. Many companies now provide extended replacement cost coverage that accounts for soaring post-disaster construction expenses.
In flood-prone regions, private flood insurance policies offer more flexible limits than federal programs. Wildfire defense services, including defensible space assessments and real-time threat monitoring, are becoming standard additions in high-risk zones.
Homeowners may also see new endorsements related to power outages, mold expansion from prolonged humidity, and infrastructure failures triggered by extreme heat. These updates reflect an industry shift toward supporting resilience rather than merely reimbursing losses.
3. What Homeowners Should Expect in 2026
By 2026, climate resilience will influence nearly every aspect of homeowners’ insurance policies. Premiums will be more sensitive to regional climate projections. Carriers will expect stronger mitigation efforts from policyholders, including improved drainage systems, fire-resistant materials, and reinforcement upgrades. Some states may expand regulations to ensure fair access to coverage while maintaining insurer stability.
The evolution of homeowners’ policies is not about selling more coverage. It is about aligning insurance with the environmental reality that homeowners are already facing.
Homeowners’ Insurance Policies in Connecticut and Other Areas Across New England
Protecting your home begins with understanding how climate-related risks are reshaping insurance in 2026. Tooher-Ferraris Insurance Group provides strategic guidance that helps organizations and individuals navigate complex risk environments with confidence.
Contact our team today to learn how our advisory expertise can support long-term planning, resilience, and smarter decision-making.
- Employee Benefits
Most HR leaders and business executives know the value of a strong benefits program, yet few realize how easily fiduciary mistakes can unfold behind the scenes. Tooher Ferraris Insurance Group supports organizations by helping them understand these blind spots and by guiding them toward solutions that strengthen their employee benefits strategy.
The first signs of fiduciary liability risks often appear quietly. They might seem insignificant, but for employers managing benefit plans, even minor oversights can trigger federal scrutiny, employee disputes, and costly legal claims.
In an environment where regulatory expectations continue to rise, understanding your fiduciary responsibilities is no longer optional. It is a matter of financial protection and compliance.
1. What Employers Often Miss in Their Fiduciary Role
Many companies assume that third-party administrators or benefits vendors shoulder most of the fiduciary responsibility. In reality, the employer is still recognized as the primary fiduciary in many aspects of plan management.
Commonly overlooked responsibilities include monitoring plan fees, documenting plan decisions, maintaining accurate enrollment data, and ensuring timely communication of participant rights.
According to the U.S. Department of Labor, plan errors contribute to millions in annual civil penalties. These issues are not always the result of negligence. Sometimes they arise from fast growth, limited internal HR bandwidth, or a lack of clarity around plan oversight.
2. How Small Administrative Errors Become Major Claims
An incorrect eligibility date, an outdated summary plan description, or a delay in processing a participant request can escalate quickly. Once an employee experiences financial loss because of an error, fiduciary liability may be triggered.
A 2023 DOL enforcement report noted a recovery of more than 1.4 billion dollars on behalf of employee benefit plans, illustrating that regulators are actively prioritizing accountability. Even for smaller companies, a single claim can drain resources and disrupt operations.
3. Why Fiduciary Liability Insurance Matters
Fiduciary liability insurance provides financial protection when plan-related mistakes lead to allegations of mismanagement or failure to act in the best interest of participants. It assists with legal defense, settlements, and penalties that could otherwise overwhelm a business.
For HR executives and financial officers, the value lies in peace of mind. The coverage fills the gap between what employers assume is covered and what is actually protected. As compliance expectations evolve, fiduciary liability insurance supports organizations in maintaining stability while reinforcing more effective plan governance.
Strengthening Your Compliance Strategy
Safeguard your organization from hidden fiduciary exposures with strategic guidance and comprehensive liability protection. Tooher-Ferraris Insurance Group is ready to help you strengthen your employee benefits oversight and reduce costly compliance risks. We also offer fiduciary liability insurance and general liability insurance in Connecticut. Connect with our team today to discuss a tailored approach that supports your HR and business objectives.
- Business Insurance
When businesses invest in insurance, many assume that standard liability coverage is sufficient to protect them from unexpected risks.
At Tooher-Ferraris Insurance Group, we help companies and executives navigate the complex setting of risk management, ensuring they implement comprehensive strategies that safeguard both personal and corporate assets. One critical solution that often goes overlooked is umbrella coverage.
Read on to learn more about the strategic value of personal and commercial umbrella coverage.
1. The Hidden Gaps in Standard Liability
Traditional liability policies are designed to cover specific, often predictable, risks. However, these policies typically have coverage limits that may fall short in high-stakes scenarios. For example, if a serious slip-and-fall incident occurs on your business premises or a multi-vehicle accident involves your company vehicle, standard liability limits can quickly be exhausted.
In these instances, the financial burden can reach hundreds of thousands, or even millions, of dollars, exposing your organization and executives to significant personal liability.
2. Understanding Personal and Commercial Umbrella Coverage
Umbrella coverage provides an extra layer of protection above the limits of standard liability policies. Personal umbrella insurance shields individual executives from lawsuits that exceed their home, auto, or personal liability limits.
Commercial umbrella policies extend this protection to businesses, covering broader liabilities that can impact both the company and its decision-makers. By bridging these gaps, umbrella coverage ensures that neither your personal assets nor your company’s financial stability is unnecessarily exposed.
3. Real-World Scenarios Where Umbrella Policies Matter
Consider a company hosting a corporate event where a guest is seriously injured. Standard liability might cover initial medical costs, but legal expenses and potential settlements could exceed policy limits.
With commercial umbrella coverage in place, your business has access to additional funds, preventing financial devastation. Similarly, an executive involved in a personal accident that results in substantial property damage could face claims surpassing their auto or homeowners’ insurance limits. Personal umbrella policies safeguard their financial well-being and reputation in these situations.
4. The Strategic Advantage for HR and Finance Leaders
For HR executives, CFOs, and business owners, the value of umbrella insurance extends beyond financial protection. By implementing robust insurance solutions, you demonstrate foresight and responsibility, reinforcing confidence among stakeholders and employees.
Effective risk management supports business continuity, employee retention, and long-term organizational resilience. Investing in umbrella coverage is a strategic decision that aligns with corporate governance and human capital management objectives.
Final Thoughts
Standard liability coverage is an essential foundation, but it is rarely enough in today’s complex risk environment. Personal and commercial umbrella policies provide critical protection that safeguards executives and businesses from financial exposure. Partnering with Tooher-Ferraris Insurance Group ensures that your organization benefits from customized umbrella insurance solutions that address these risks and support strategic business growth.
Protect your business and executives from unforeseen financial risks. Partner with Tooher-Ferraris Insurance Group for tailored umbrella insurance solutions. Secure your assets, safeguard your future, and gain peace of mind today. Schedule a consultation to build a comprehensive protection strategy.