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

April 16, 2025

The Power of Data: How Smart Plan Sponsors Use Analytics to Control Costs and Shape the Future of Health Care

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 […]

Read More
April 16, 2025

Smart Shifts: Balancing Cost Control and Employee Benefit Commitments in Uncertain Times

Economic uncertainty has always been a challenge for employers trying to manage budgets while supporting their workforce. When financial pressures rise, organizations often face tough decisions about how to reduce costs without compromising the quality and competitiveness of their employee benefits. It’s a delicate balancing act—one that requires thoughtful planning and strategic adjustments to protect […]

Read More
March 20, 2025

Captive Risk Management: A Smarter Way to Take Control of Your Insurance Strategy

For many businesses, traditional general liability insurance and professional liability insurance offer essential protection—but they often come with limitations. Rising premiums, rigid policy terms, slow claims processes, and frustrating exclusions can leave companies feeling powerless. As organizations grow, so do their risks. Yet, conventional insurance often struggles to keep pace, offering little flexibility or control. […]

Read More
March 20, 2025

Specialty Drug Coverage: Managing the Fastest-Growing Cost in Employee Benefits

While employee benefits are always changing, one of the most significant challenges is the escalating cost of specialty drugs. These medications, designed to treat complex and chronic conditions like cancer, rheumatoid arthritis, and multiple sclerosis, are revolutionizing patient care. However, their high price tags are placing immense pressure on employer-sponsored health plans. Understanding the drivers […]

Read More
March 20, 2025

The Hidden Costs of a Bad Benefits Package: Why Retention Starts with the Right Offerings

Attracting and retaining top talent has become one of the most pressing challenges for employers. Gone are the days when offering a competitive salary alone was enough to secure long-term employee loyalty. Today’s workforce—especially younger generations—places equal, if not greater, value on the quality and variety of the benefits an employer provides. From health coverage […]

Read More
March 20, 2025

Embracing Agile HR: A Smarter Approach to Change Management in Today’s Workplace

In the current business climate, change is constant and often unpredictable. Shifting workforce expectations, evolving technologies, regulatory updates, and new competitive pressures reshape how organizations operate. Adaptability has become a non-negotiable skill for HR professionals responsible for supporting their workforce and driving organizational success. Traditional HR processes, often structured in rigid, step-by-step models, struggle to […]

Read More

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.

Skip to content document.addEventListener('DOMContentLoaded', function() { var videos = document.querySelectorAll('video.wp-video-shortcode'); videos.forEach(function(video) { video.muted = true; }); });