Tooher-Ferraris Insurance Group

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 p

roducts 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.

An HOA board denied a homeowner's architectural request. The homeowner sued — and named each board member individually.V...
09/02/2026

An HOA board denied a homeowner's architectural request. The homeowner sued — and named each board member individually.

Volunteer status doesn't stop this. Good intentions don't fund a legal defense.

D&O insurance covers governance-related claims against board members personally. Most HOA boards carry it. The question is whether the limits are adequate and whether the exclusions match the community's actual exposure.

📖 Read: You Volunteered to Serve. Here's Why That Doesn't Protect You From Being Sued Personally. → https://zurl.co/OGdj3

What D&O topics do your board members ask about most?

Make sure your board is covered: https://zurl.co/hWwDg

For employers with January 1 effective dates, August is open enrollment prep season.SHRM's 2026 research makes the chall...
09/01/2026

For employers with January 1 effective dates, August is open enrollment prep season.

SHRM's 2026 research makes the challenge clear: organizations are not struggling to offer more benefits. They are struggling to get employees to understand and use the ones they already have.

The difference between an effective open enrollment and a forgettable one is almost entirely a communication and education question. That work starts now, not in September.

📖 Read: Open Enrollment Is Closer Than You Think. Here Is How HR Leaders Should Be Using August. -> https://zurl.co/kgXZG

What is the biggest open enrollment communication challenge your team faces every year?

Review your enrollment strategy with Tooher-Ferraris: https://zurl.co/EkCZK

Nearly 100 million Americans are underinsured for life insurance, according to LIMRA's 2026 Insurance Barometer Study.Th...
09/01/2026

Nearly 100 million Americans are underinsured for life insurance, according to LIMRA's 2026 Insurance Barometer Study.

The most common reason is that people assume their employer's group life coverage is enough. In most cases, the median benefit is $20,000 flat or one times salary. That amount covers a portion of what most families actually need.

September is Life Insurance Awareness Month. August is the right time to review where you stand. Tooher-Ferraris offers life insurance tools and quotes at https://zurl.co/9iL1K

📖 Read: Most Americans Are Underinsured for Life Insurance -- The Employer Policy You Are Counting On May Not Be Enough -> https://zurl.co/s4yFS

Has the life insurance coverage question come up in a financial planning conversation recently?

Review your life insurance with Tooher-Ferraris: https://zurl.co/2n1Mx

Buyers are asking about insurance before they make an offer now."What will coverage cost?" "Does this roof qualify?" "Ar...
08/31/2026

Buyers are asking about insurance before they make an offer now.

"What will coverage cost?" "Does this roof qualify?" "Are we in a flood zone?" These questions used to come up after the contract was signed. In 2026, they're coming at the showing.

Real estate professionals who connect buyers with an insurance contact early create smoother transactions. Those who try to answer the questions themselves create E&O exposure.

📖 Read: Why Buyers Are Asking Their Agent About Insurance — and How Smart Brokers Add Value Without Creating Liability → https://zurl.co/AgETO

When in the buying process are your clients first raising insurance questions?

Connect your buyers with the right resource: https://zurl.co/B6mCk

If you do design-build work, your builder's risk program is worth a specific review.Standard builder's risk forms cover ...
08/28/2026

If you do design-build work, your builder's risk program is worth a specific review.

Standard builder's risk forms cover traditional construction well. Design-build delivery creates considerations those forms may not address: the pre-construction design phase, how professional liability exclusions interact with design-build scope, and how delays caused by design decisions are treated under delay in completion coverage.

Design-build now accounts for more than 44 percent of US construction volume. The project insurance programs protecting that work deserve to match the delivery method.

📖 Read: Builder's Risk Insurance for Design-Build Projects: Why Standard Policies Leave Gaps Your Program Can't Afford -> https://zurl.co/J7l2w

Has your design-build builder's risk program been reviewed specifically for the exposures that come with integrated delivery?

Schedule a design-build coverage review with Tooher-Ferraris: https://zurl.co/OvOzM

If you could only pick one, what would you choose? A car for the whole family? A fun collector car? Something for all yo...
08/26/2026

If you could only pick one, what would you choose?

A car for the whole family? A fun collector car? Something for all your off-roading adventures? Or a car that’s perfect for your daily commute? Let us know your pick in the comments!

And give us a call to review your auto insurance coverage.

Private company directors and officers face claims from employees, creditors, regulators, and minority shareholders.None...
08/26/2026

Private company directors and officers face claims from employees, creditors, regulators, and minority shareholders.

None of those claimants need a stock ticker. All of them can pursue the individuals who made the decisions — personally — when D&O coverage isn't there.

D&O insurance for private companies is competitively priced in 2026. The time to put it in place is before a claim forces the conversation.

📖 Read: Directors and Officers Insurance: Why Private Companies Can No Longer Call It Optional → https://zurl.co/SEZso

Does your business have D&O coverage in place for your private company executives?

Talk to our team about D&O protection: https://zurl.co/qEjZs

A landscaping crew with no workers' comp shows up. A worker gets hurt. The HOA gets named in the lawsuit as a statutory ...
08/25/2026

A landscaping crew with no workers' comp shows up. A worker gets hurt. The HOA gets named in the lawsuit as a statutory employer.

Every contractor on association property is a risk transfer opportunity. That transfer only happens if the insurance documentation is in place before work starts.

COI. Additional insured endorsement. Indemnification agreement. Workers' comp verification. All four. Every vendor. Every time.

📖 Read: Every Contractor Working on Association Property Is a Liability. Here's What to Require Before They Start. → https://zurl.co/9GAX9

Does your association have a consistent vendor insurance verification process in place?

Build a stronger vendor risk program: https://zurl.co/eCbH5

Successful renewals begin long before negotiations with your carrier.Benefits benchmarking provides valuable market data...
08/24/2026

Successful renewals begin long before negotiations with your carrier.

Benefits benchmarking provides valuable market data that can strengthen your negotiating position, identify cost-saving opportunities, and help ensure your plan remains competitive without sacrificing employee value.

👉 Learn how benchmarking can support your renewal strategy:
https://zurl.co/ehQYQ

💬 Discussion question:
What information has been most valuable when preparing for your annual benefits renewal?

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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