Comprehensive Coverage for Business Continuity

A business relies on insurance coverage to ensure it can continue operations and recover financially in the event of a loss. Beyond obtaining the most cost-efficient and responsive insurance coverage, services include:

Identifying Exposure to Loss

Potential risks are identified, and methods to reduce or eliminate them are recommended, ensuring business protection.

In-Depth Insurance Coverage Analysis

Thorough analyses are conducted to ensure coverage meets all needs without unnecessary expenses.

Compliance Assistance

Assistance with understanding and complying with OSHA, DOT, and other industry reporting requirements keeps businesses in line with regulations.

Safety Education and Training

Recommendations for safety education and training minimize risks and ensure a safe working environment.

Experience Modification Analysis

Detailed experience modification analysis helps manage insurance premiums effectively.

Policy Audit Reviews and Classification Analysis

Policy audit reviews and classification analysis ensure coverage is accurate and beneficial.

Strategic Claims Management

Strategic claims management and analysis focus on frequency, severity, and best practice loss control to minimize the impact of claims on business operations.

A business counts on insurance coverage to enable it to continue operations and to recover financially in the event of a loss. Beyond obtaining the most cost efficient and responsive insurance coverage, our services include:

  • Identifying exposure to loss and recommending methods of reducing or eliminating it
  • In-depth insurance coverage analysis
  • Understanding and compliance assistance with OSHA, DOT and other industry reporting requirements
  • Recommendations for safety education and training
  • Experience Modification Analysis
  • Policy audit reviews and classification analysis
  • Strategic claims management and analysis: frequency, severity, and best practice loss control

Tooher-Ferraris Insurance Group understands your need for a comprehensive insurance program backed by prompt and professional service.

Business Insurance

Property & Casualty

Executive Risk

Technology Risk

Workers Compensation

Surety Bond

Employee Benefits

Insights

November 20, 2024

Legal Alert: Don’t Forget About Your Gag Clause Attestations

When the Consolidated Appropriations Act, 2021 (the “CAA”) was enacted on December 27, 2020, it included a provision that prohibits group health plans and health insurance carriers from entering into certain agreements that, either directly or indirectly, restrict the release of certain information related to provider networks and de-identified encounter data, among other things. Such […]

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October 28, 2024

Legal Alert: Are You Prepared to Comply with the New Mental Health Parity Final Rule in 2025?

On September 9, 2024, the DOL, IRS, and HHS released a final rule for the Requirements Related to the Mental Health Parity and Addiction Equity Act (The “MHPAEA Final Rule”).  The MHPAEA Final Rule is similar to the Proposed Rule released on July 25, 2023, with some marked differences.  While the MHPAEA Final Rule is […]

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October 23, 2024

IRS Adjusts Health Flexible Spending Account and Other Benefit Limits for 2025

On October 22, 2024, the Internal Revenue Service (IRS) released Revenue Procedure 2024-40, which increases the health flexible spending account (FSA) salary reduction contribution limit to $3,300 for plan years beginning in 2025, an increase of $100 from 2024.  Thus, for health FSAs with a carryover feature, the maximum carryover amount is $660 (20% of […]

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October 21, 2024

The Financial Benefits of Offering Additional Health Plans

Employers are increasingly aware of the need to provide flexible and comprehensive health benefits to attract and retain top talent. While offering multiple health plan options may seem like an added expense, it can actually lead to significant cost savings for companies in the long run. By catering to the diverse needs of employees, employers […]

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October 21, 2024

What You Need to Know About Executive & Professional Liability Insurance

As a business executive, the decisions you make can significantly impact your company and stakeholders. In today’s increasingly litigious environment, even the most experienced professionals face legal risks that could potentially derail their careers. For executives, having the right professional liability coverage is crucial. This guide highlights key coverage details, industry-specific needs, and strategies to mitigate […]

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October 21, 2024

How to Choose the Right Commercial Truck Insurance

The transportation industry is the backbone of commerce, moving goods across vast distances to ensure supply chains stay intact. If your business relies on a fleet of trucks, ensuring they are protected is very important to your bottom line. Commercial vehicle insurance helps you comply with legal requirements and safeguards your operations from financial pitfalls in case […]

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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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