Our Personal & Collectibles

Agriculture & Equine

Provides specialized insurance solutions to protect farming operations and equine activities. These coverages ensure financial security against risks specific to agriculture and equine interests, including property damage, liability, and operational interruptions. We offer insurance in the following areas:

  • Farm Insurance
  • Equine Insurance

Automotive & Recreational Vehicles

Provides comprehensive insurance solutions designed to protect a range of vehicles and recreational assets. These coverages ensure financial security against various risks, including accidents, damage, and liability.

  • Arborist
  • ATV
  • Collectable Autos
  • Motorcycle
  • Personal Watercraft
  • Snowmobile

Construction & Real Estate

Provides specialized insurance solutions designed to address the unique risks associated with construction projects and real estate investments. These coverages ensure financial protection against various risks, including property damage, liability, and operational interruptions.

  • Builders Risk
  • Home Builders
  • Real Estate Portfolios

Business & Commercial

Offers specialized insurance solutions tailored to the diverse needs of various industries and business operations. These coverages provide protection against risks such as liability, property damage, and operational interruptions. We offer insurance in the following areas:

  • Contractors
  • Hospitality
  • Manufacturing
  • Non-Profits
  • Pollution

Personal & Collectibles

Provides specialized insurance solutions to protect valuable personal assets and collectibles. These coverages offer financial security against risks such as damage, loss, and theft, ensuring that prized possessions are well-protected.

  • Fine Art, Jewelry, Wine & Spirit
  • Renters

Affiliate Specialty Insurance

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The TooFer-Ferraris Insurance Group Advantage in Personal Insurance

Personalized Service and Tailored Solutions

We offer tailored personal insurance solutions that fit your specific situation.

Competitive Pricing and Value

We partner with top-rated insurance carriers to offer competitive pricing without compromising on coverage.

Claims Support and Efficient Processing

Our claims process is designed to be straightforward and hassle-free!

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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