Just a single inch of water from flooding can cause costly damage to your home. Here’s what you need to know about insuring against damages caused by flooding. What Protection Does it Offer? A standard homeowners policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property...Read More

Wine and spirits have become top collectibles While many luxury items continue to attract successful families and individuals, wine and spirits have both become top collecting categories. Rare whisky and fine wine have outperformed every other luxury asset, soaring some 564% in the last decade.1 In the world of fine wine, two bottles of 1945...Read More

The Commercial Vehicle Safety Alliance (CVSA) recently scheduled this year’s Brake Safety Week for Aug. 21-27, 2022. This annual event emphasizes the importance of ensuring sufficient brake systems in commercial motor vehicles (CMVs). Specifically, the event highlights the role that brake maintenance and efficiency plays in reducing brake-related CMV accidents on the road. The focus...Read More

Most businesses and individuals are familiar with phishing, a cyberattack technique that entails cybercriminals leveraging fraudulent emails to manipulate recipients into sharing sensitive information, clicking malicious links or opening harmful attachments. While these email-based scams remain a pressing concern, a new form of phishing—known as smishing—has emerged over the years, creating additional cyber exposures for...Read More

As a family owned agency, we are dedicated to building relationships with our clients and carriers. We want to ensure personalized coverage and peace of mind, For the “What If” in life.™ We welcome you to experience what Tooher-Ferraris has to offer! #risksynergy #thoughtfulinsurance #forthewhatifinlifeRead More

Preparing for winter storms is crucial to your safety. As such, it’s important to become familiar with winter storm warning signals and appropriate prevention measures so that you can avoid cold weather injuries. Winter Weather Warnings Familiarize yourself with the following weather alerts in order to know what actions you may need to take: Winter...Read More

The Occupational Safety and Health Administration (OSHA) requires employers subject to its recordkeeping requirements to post copies of their OSHA Form 300A between Feb. 1 and April 30 of each year. The OSHA Form 300A, also known as the “Summary of Work-related Injuries and Illnesses,” must be completed by Feb. 1 using data from the previous...Read More

The Occupational Safety and Health Administration (OSHA) requires employers subject to its recordkeeping requirements to post copies of their OSHA Form 300A between February 1 and April 30 of each year. The OSHA Form 300A, also known as the “Summary of Work-related Injuries and Illnesses,” must be completed by February 1 using data from the...Read More