Private Client Group
Exceptional Wealth Demands Unique Solutions
At Tooher-Ferraris Insurance Group, our Private Client Services are crafted to meet the distinctive needs of high-net-worth individuals and families, ensuring you receive the insurance coverage tailored to safeguard your assets. We understand your requirements are unique, and generic solutions simply do not suffice. Therefore, our team specializes in developing personalized insurance strategies that protect your wealth, privacy, and peace of mind.
We provide tailored insurance solutions for high-net-worth individuals in the following areas:
Luxury Homes and Estates
Ensure your luxury homes and estates are fully protected with insurance solutions from top-tier insurance carriers, offering comprehensive coverage and peace of mind for your most valuable properties.
Protect your exotic, classic, and luxury vehicles with comprehensive coverage from top carriers, ensuring security, value retention, and peace of mind on every journey.
Art, Wine, and Collectibles
Safeguard your investment in fine art, jewelry, rare wines, and other valuables with specialized insurance from top carriers, ensuring their protection and long-term preservation.
Secure your yachts, sailboats, and other watercraft with comprehensive insurance solutions from top carriers, providing protection on the water and peace of mind.
AVIATION
Protect your private aircraft with customized insurance solutions from top carriers, ensuring comprehensive coverage for your aircraft, crew, and passengers, both on the ground and in the air.
TRAVEL
Ensure peace of mind during your journeys with comprehensive travel insurance from top carriers, providing protection for unexpected events, medical emergencies, and trip disruptions worldwide.
EXCESS LIABILITY / UMBRELLA
Enhance your protection with additional coverage from top carriers, safeguarding your assets and lifestyle against significant claims and unforeseen legal liabilities.
Protect against cyber threats and personal risks with advanced insurance solutions from top carriers, ensuring your digital and physical security remains uncompromised.
Safeguard your weddings, private parties, and exclusive gatherings with tailored insurance solutions from top carriers, protecting against unforeseen disruptions and liabilities.
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.
Testimonials
What Our Clients Say
It is my pleasure to write this as a long-term customer of over 30 years for my business, myself, and my family. It started with Peter, and now Eric, along with every agent and receptionist. Outstanding customer service by knowledgeable, courteous, and friendly staff who have your best interests at heart for the important insurance things like coverage, price, and companies that they do business with on your clients’ behalf. I could not be more pleased with the company and its staff.
Ed
As a Member of Our Private Client Group, You Gain Access To:
Exclusive High Net Worth Insurance Carriers
Our partnerships with top-tier insurance carriers allow us to offer exclusive coverage options designed specifically for high-net-worth individuals.
A Network of Specialized Advisors
Access a network of advisors who specialize in addressing your unique needs, including risk management, wealth management, and legal advice.
Policy Reviews
Ensure your coverage remains optimal and up-to-date with annual reviews of your insurance policies to address any changes in your lifestyle or assets.
Periodic Market Updates
Stay informed with regular updates on market trends and developments that could impact your insurance and risk management strategies.
Coordination of Your Team of Advisors
Benefit from coordinated efforts between your team of advisors, including attorneys, wealth managers, accountants, and insurance professionals, to ensure comprehensive protection and strategic planning.
24/7 Support
Access round-the-clock support to address any urgent needs or concerns, ensuring peace of mind at all times.
Family Office Specialty Support
Leverage specialized support tailored to family offices, including asset protection, estate planning, and succession planning.
Concierge Claim Service
Experience a seamless and hassle-free claims process with dedicated concierge claim services tailored to your needs.
Risk Management and Loss Control Insights
Receive expert insights on risk management and loss control to proactively protect your assets and minimize potential risks.
Exclusive High Net Worth Insurance Carriers
Our partnerships with top-tier insurance carriers allow us to offer exclusive coverage options designed specifically for high-net-worth individuals.
A Network of Specialized Advisors
Access a network of advisors who specialize in addressing your unique needs, including risk management, wealth management, and legal advice.
Policy Reviews
Ensure your coverage remains optimal and up-to-date with annual reviews of your insurance policies to address any changes in your lifestyle or assets.
Periodic Market Updates
Stay informed with regular updates on market trends and developments that could impact your insurance and risk management strategies.
Concierge Claim Service
Experience a seamless and hassle-free claims process with dedicated concierge claim services tailored to your needs.
Risk Management and Loss Control Insights
Receive expert insights on risk management and loss control to proactively protect your assets and minimize potential risks.
Coordination of Your Team of Advisors
Benefit from coordinated efforts between your team of advisors, including attorneys, wealth managers, accountants, and insurance professionals, to ensure comprehensive protection and strategic planning.
24/7 Support
Access round-the-clock support to address any urgent needs or concerns, ensuring peace of mind at all times.
Family Office Specialty Support
Leverage specialized support tailored to family offices, including asset protection, estate planning, and succession planning.
Join the Tooher-Ferraris Private Client Group to experience the difference.
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.