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:
Potential risks are identified, and methods to reduce or eliminate them are recommended, ensuring business protection.
Thorough analyses are conducted to ensure coverage meets all needs without unnecessary expenses.
Assistance with understanding and complying with OSHA, DOT, and other industry reporting requirements keeps businesses in line with regulations.
Recommendations for safety education and training minimize risks and ensure a safe working environment.
Detailed experience modification analysis helps manage insurance premiums effectively.
Policy audit reviews and classification analysis ensure coverage is accurate and beneficial.
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:
Tooher-Ferraris Insurance Group understands your need for a comprehensive insurance program backed by prompt and professional service.
Life is a journey filled with exciting milestones and unexpected detours. Each significant event can bring immense joy and new responsibilities, but it also inevitably reshapes your personal insurance needs. Failing to adapt your coverage can leave you and your loved ones financially vulnerable when you need protection the most. At Tooher-Ferraris Insurance Group, […]
Dreaming of a stunning new kitchen, a spa-like bathroom, or a finished basement retreat? Home renovations are an exciting opportunity to improve your living space and increase the value of your property. But as you plan your project, it’s important not to forget a critical element: your homeowners insurance. Renovation projects, whether large or small, […]
Term life insurance is one of the most cost-effective and flexible tools available for financial protection. It offers coverage for a specific period—typically 10, 20, or 30 years—and provides a tax-free death benefit if the insured passes away during the term. This straightforward policy structure makes term life insurance a smart solution for both personal […]
Owning a recreational vehicle (RV) means embracing freedom, flexibility, and the thrill of life on the open road. Whether you’re cruising across the country or camping for a weekend getaway, your RV is more than just a vehicle—it’s your mobile home, and it needs insurance coverage that reflects its unique role in your life. […]
In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits. 2026 2025 Change Annual HSA Contribution Limit (employer and employee) Self-only: $4,400 Family: $8,750 Self-only: $4,300 Family: $8,550 Self-only: […]
Health care costs continue to rise at an unsustainable pace. For employers offering health plans, this upward pressure threatens not only budgets but also the ability to provide high-quality, competitive benefits. Yet some of the most successful plan sponsors are not only managing costs but actively bending the health trend. How? Through sophisticated use of […]
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.