Tooher-Ferraris Insurance Group

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Tooher-Ferraris Insurance Group Independent Insurance Agency We take pride in working with our clients and carriers in negotiating loss settlements that are fair and equitable.

Tooher-Ferraris Insurance Group is a trusted choice, family owned, independent insurance agency providing insurance and risk management services throughout New England since 1932. Tooher-Ferraris Insurance Group designs insurance and risk management programs to meet the unique needs of each family, business, and individual we insure. We demonstrate our industry expertise customizing leading edge products coupled with exceptional service and a dedication to integrity. Our partnerships with premier carriers are well established based on open and candid communication. Located in Wilton, Connecticut, our focus is to provide every customer with a unique solution to secure their financial future.

Missed Our Teen Driver Safety Webinar? Watch the Recording On DemandIf you couldn’t join us live, the conversation is st...
10/15/2026

Missed Our Teen Driver Safety Webinar? Watch the Recording On Demand

If you couldn’t join us live, the conversation is still worth your time.

Tooher-Ferraris Insurance Group recently hosted a must-watch webinar featuring Ashley Dunn and teen-driving expert Steve Mochel, CEO of Fresh Green Light Driving School, focused on helping families support safer, more confident teen drivers.

In this on-demand session, you’ll learn:
✔️ Practical habits that reduce risk for teen drivers
✔️ What parents should know about teen driver insurance
✔️ How driving school training supports long-term safety
✔️ A high-level overview of new Connecticut e-bike and e-scooter rules
✔️ And much more!

Whether your teen is already driving or preparing to get behind the wheel, this recording offers clear, practical insights you can use right away.

Watch the on-demand recording here: https://zurl.co/AeHGI

You may think your condo association’s master policy provides all the coverage you need, but it typically focuses on the...
10/14/2026

You may think your condo association’s master policy provides all the coverage you need, but it typically focuses on the building’s exterior, structure, and shared spaces, leaving gaps that your own condo insurance can help fill.

Condo insurance can help cover:

• Interior features you’re responsible for insuring, such as flooring, cabinets, and fixtures.
• Personal belongings, such as furniture and electronics.
• Personal liability if you’re held responsible for someone’s injury or damage to their property.
• Additional living expenses if a covered loss makes your unit unlivable.

Reach out to us to review your condo insurance and discuss potential gaps in coverage.

Your benefits renewal is not a negotiation. Not if you don't have the data. Carriers know exactly what your claims data...
10/14/2026

Your benefits renewal is not a negotiation. Not if you don't have the data. Carriers know exactly what your claims data says when they set your renewal rate. Most employers do not. That gap determines who controls the conversation. Shopping three carriers and taking the lowest number is not a strategy. Claims analysis and benchmarking are.

Read the full article: Your Benefits Renewal Is Not a Negotiation Unless You Have the Data to Negotiate With -> https://zurl.co/g3Ket

When did your organization last request a full claims experience report from your carrier before renewal? Let's change how your next renewal conversation goes: https://zurl.co/F42nv

73% of small businesses fail their cyber insurance assessments in 2026. Flat denial or a 300% premium increase are the ...
10/13/2026

73% of small businesses fail their cyber insurance assessments in 2026. Flat denial or a 300% premium increase are the two most common outcomes. The businesses qualifying for favorable coverage have implemented 5 specific controls. MFA, EDR, encrypted backups, phishing simulation, incident response plan.

Every one of these is now a baseline requirement, not a best practice. Read the full article: 73% of Small Businesses Fail Their Cyber Insurance Assessment in 2026.

Here Is How to Pass Yours -> https://zurl.co/I2Asl

Which of the 5 cyber controls is the hardest for your organization to implement and document? Let's evaluate your cyber posture: https://zurl.co/AWHN4

Awareness The surety market has hardened. Bonding capacity is now the ceiling on your growth. US surety premiums hit $1...
10/12/2026

Awareness The surety market has hardened. Bonding capacity is now the ceiling on your growth. US surety premiums hit $10 billion in 2023 and underwriting is tighter than it has been in years. Mid-market contractors face the most complex environment — chasing larger jobs while sureties demand cleaner financials and tighter WIP discipline.

Three actions can improve your bonding capacity before year end.
Read the full article: Your Bond Capacity Determines Which Jobs You Can Win — Here Is How to Grow It -> https://zurl.co/3uZOK

What is the single biggest factor limiting your bonding capacity right now? Let's review your surety program: https://zurl.co/1WGRv

Your design-build GL policy has a professional services exclusion. If a design specification error causes a building fa...
10/08/2026

Your design-build GL policy has a professional services exclusion. If a design specification error causes a building failure, GL will not respond to it. Most design-build contracts never require professional liability — so there is nothing to step in when GL declines. That gap is built into the contract before the project starts.

Read the full article: How to Structure Insurance Requirements in a Design-Build Contract Before Anything Goes Wrong -> https://zurl.co/gWOJo

Have you reviewed the insurance requirements in your current design-build contracts against your actual policy coverage? Let's close the gap: https://zurl.co/2XPNS

The housing market has changed a lot over the years. For many people, buying a first home happens later in life than it ...
10/07/2026

The housing market has changed a lot over the years. For many people, buying a first home happens later in life than it did for their parents. Whether you’re renting or buying, protect the place you call home and the belongings that make it yours.

Give us a call to discuss home or renters insurance that fits your needs.

The 2026 commercial insurance market is moving in opposite directions at the same time. Property rates are down. Cyber ...
10/07/2026

The 2026 commercial insurance market is moving in opposite directions at the same time. Property rates are down. Cyber is softening. D&O has stabilized. GL, commercial auto, and umbrella are still climbing — some by double digits.

If you are looking at your renewal as a single number, you are missing where the real movement is.

Read the full article: The Commercial Insurance Market Is Splitting in Two. Here Is What That Means for Your Renewal -> https://zurl.co/5A5Wb

Which line in your commercial program surprised you most at your last renewal? Let's review your complete program: https://zurl.co/ETLPR

OSHA's 2026 enforcement posture has changed. Poor recordkeeping alone can now trigger violations — even if no accident h...
10/06/2026

OSHA's 2026 enforcement posture has changed. Poor recordkeeping alone can now trigger violations — even if no accident has occurred. Falls remain the leading cause of construction fatalities. Q4 deadline pressure is when safety discipline breaks down most. A single lost-time claim this fall can raise your EMR for three consecutive renewal cycles.

Read the full article: Fall Is the Busiest Season for Contractors — and the Riskiest for Workers Comp Claims -> https://zurl.co/lABXK

What is the one safety investment your company makes every September before Q4 begins? Let's make sure your program is ready: https://zurl.co/PwwG7

If your association set its insured property value in 2021, it's probably wrong today.Construction costs are still 15-20...
10/05/2026

If your association set its insured property value in 2021, it's probably wrong today.

Construction costs are still 15-20% above pre-pandemic levels. Many HOAs won't discover the underinsurance gap until a major loss triggers a coinsurance penalty — reducing the payout even on a partial claim.

An insurance appraisal closes the gap. The question is whether your association has one that reflects 2026 construction costs.

📖 Read: The Building That Was Adequately Insured in 2021 Probably Isn't Today → https://zurl.co/FRwJJ

When did your association last update its property valuation for insurance purposes?

Schedule a property review with Tooher-Ferraris: https://zurl.co/qsk9S

Address

43 Danbury Road Ste 2
Wilton, CT
06897

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

+18008990093

Website

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