Tooher-Ferraris Insurance

What Tooher-Ferraris Insurance does

Tooher-Ferraris Insurance Group (legal entity Tooher Ferraris Agency, Inc.) is a privately held, family-owned independent insurance agency incorporated in 1932 and headquartered in Wilton, Connecticut, with a regional office in New York City. Operating as a Trusted Choice independent agency, the firm distributes personal, commercial, and group benefits products through 40-plus carrier partnerships including Chubb, AIG, Travelers, The Hartford, Cigna, Aetna, Liberty Mutual, and MetLife, and is licensed to serve clients in 38 states. The agency employs approximately 36 career insurance professionals organized into four specialty departments — Personal Insurance (including a Private Client Group for affluent households), Business Insurance with niche specialty programs (construction, arborists, hospitality, storage tank pollution), Employee Benefits launched in 2021, and Community Associations for HOA and condominium clients — and serves more than 2,500 clients.

The business model is commission-based: revenue is earned through carrier-paid commissions on policies sold and renewed across personal lines, commercial lines, and group benefits, with compensation disclosed under New York Insurance Department Regulation No. 194. Customer acquisition blends a field/inside sales motion with quote-request funnels for personal, commercial, and benefits lines, supported by educational content (blog, webinars, newsletter) and referrals. Pricing is quote-based and individually underwritten; no tiered pricing is published.

The technology stack is largely off-the-shelf: the agency uses the CSR24 client portal (Applied Systems), Zywave's Risk Synergy Portal, and a Propeller-powered instant-issue surety bond portal, alongside a native mobile app for insureds. The principal proprietary asset is the trademarked "Risk Synergy®" methodology — a service model that integrates the agency team, the insured, and carrier resources to coordinate coverage design, pricing, claims, and risk reduction — paired with the registered "Thoughtful Insurance You Can Trust®" brand mark. No proprietary AI or data platform is disclosed.

Name

Tooher-Ferraris Insurance

Legal name

Tooher Ferraris Agency, Inc.

Website

https://toofer.com

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

11–50 employees

Short description

Tooher-Ferraris is a family-owned, independent insurance agency founded in 1932, distributing personal, commercial, and group benefits products through 40-plus carrier partnerships to 2,500+ clients across 38 states via offices in Wilton, CT and New York, NY.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Personal Excess Liability (High-Net-Worth) (FSAJANAF)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Excess Liability Insurance (FSAJANAC)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal insurance services
• Employee benefits consulting
• Group benefits advisory

Headquarters

HQ city

Wilton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: Tooher-Ferraris Insurance Group operates as an independent insurance producer/agency. Revenue is generated through commissions paid by insurance carriers on policies sold and renewed. Compensation is disclosed per New York Insurance Department Regulation No. 194, confirming commission-based compensation from insurers.
2. Insurance Brokerage Services: The agency earns commissions on the insurance contracts it sells, including commercial insurance, personal insurance, and employee benefits. Compensation varies based on the insurer and insurance contract selected, as well as volume of business and profitability factors.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Tooher-Ferraris Insurance Group is an independent, family-owned insurance agency that brokers personal insurance (home, auto, watercraft, life, flood), commercial insurance (property, liability, workers' comp, fleet, specialty programs), and group employee benefits (health, dental, vision, disability) for individuals, families, businesses, and community associations. The agency represents 40+ insurance carriers and serves more than 2,500 clients across 38 states through consultative sales, risk management, claims advocacy, and HR/benefits consulting.

Product overview

Tooher-Ferraris Insurance Group operates as a full-service independent insurance agency offering a multi-product portfolio organized into four core divisions: Personal Insurance (home, auto, watercraft, life, flood), Business Insurance (commercial property, liability, vehicle, specialty programs), Employee Benefits (health, dental, vision, voluntary, pharmacy management, wellness), and Community Associations (condo/HOA coverage). The agency provides both core products and specialized sub-brands including Private Client Group for high-net-worth clients and Specialty Programs for niche industries. The proprietary Risk Synergy Portal serves as the client-facing technology platform, integrating access to compliance resources, risk management tools, and claims services across all product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive commercial insurance solutions for businesses, including coverage for property, liability, workers' compensation, and specialized industry programs.
• Personal Insurance Tailored personal insurance solutions protecting health, home, and assets for individuals and families.
• Employee Benefits Group benefits services including health, dental, vision, disability, voluntary benefits, and HR consulting for businesses.
• Private Client Group High-net-worth personal insurance services offering comprehensive coverage for affluent individuals and families.
• Community Associations Insurance Insurance solutions for condominiums, co-ops, and homeowners associations including master certificate services.
• Specialty Programs Specialized insurance programs for specific industries including construction, arborists, landscapers, hospitality, and real estate portfolios.
• Auto Insurance Personal automobile insurance coverage for individual vehicle owners.
• Home Insurance Residential property insurance covering dwelling, contents, and personal liability.
• Watercraft Insurance Coverage for boats, yachts, and watercraft vessels.
• Life Insurance Various life insurance options for businesses and individuals including individual policies and business-related coverage.
• Flood Insurance Property and contents coverage for flood damage to homes and businesses, including structural damage and business interruption.
• Surety Bonds Instant issue bonds with quick approvals for commercial and contract needs.
• Commercial Vehicle Insurance Fleet and commercial vehicle coverage including liability, physical damage, cargo insurance, and hired/non-owned auto coverage.
• Storage Tank Pollution Insurance Environmental coverage for above-ground and underground storage tanks, including pollution liability, cleanup costs, and business interruption.
• Captive Insurance Solutions Alternative risk financing through captive insurance structures for qualified businesses.

Quantifiable outcome

• Over 2,500 clients served across personal, commercial, and employee benefits lines
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

20 partnerships are on record, tiered core and minor.

• Chubb LimitedcoreChannel Partner/ Reseller/ DistributorChubb is a major property and casualty insurance carrier partner. Tooher-Ferraris represents Chubb for personal high-net-worth and commercial accounts. Chubb is listed among the company's top carrier partners with office at 1133 Avenue of the Americas, New York, NY 10036.
• AIG (American International Group, Inc.)coreChannel Partner/ Reseller/ DistributorAIG is an insurance carrier partner providing commercial and personal lines products through Tooher-Ferraris agency. Principal address: 1271 Avenue of the Americas, New York, NY 10020.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is a key carrier partner for commercial insurance and group benefits. Address: 690 Asylum Avenue, Hartford, CT 06155.
• Cigna GroupcoreChannel Partner/ Reseller/ DistributorCigna provides health and employee benefits insurance products through Tooher-Ferraris for group benefits clients. Address: 900 Cottage Grove Road, Bloomfield, CT 06002.
• Aetna Inc.coreChannel Partner/ Reseller/ DistributorAetna provides health insurance and employee benefits products through Tooher-Ferraris. Address: 151 Farmington Avenue, Hartford, CT 06156.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorLiberty Mutual is a carrier partner for personal and commercial insurance products. Address: 175 Berkeley Street, Boston, MA 02116.
• The Travelers Indemnity CompanycoreChannel Partner/ Reseller/ DistributorTravelers provides commercial and personal insurance through Tooher-Ferraris. Address: 1 Tower Square, Hartford, CT 06183-0001.
• UnitedHealth Group IncorporatedcoreChannel Partner/ Reseller/ DistributorUnitedHealth Group provides health benefits and stop loss products through Tooher-Ferraris for employee benefits clients. Address: 9900 Bren Road East, Minnetonka, MN 55343.
• GNY Insurance CompaniescoreChannel Partner/ Reseller/ DistributorGNY is a New York-based insurance carrier partner. Address: 350 Fifth Avenue, 7th Floor, New York, NY 10118.
• The Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorThe Hanover Insurance Group is a commercial and personal insurance carrier partner. Address: 440 Lincoln Street, Worcester, MA 01653-0002.
• CSR24 (Applied Systems)coreTechnology or IntegrationCSR24 is the agency's client portal technology partner, providing 24/7 account access, policy data, auto ID cards, and service request capabilities. Tooher-Ferraris partners with CSR24 for client self-service technology.
• BAN (Benefit Administration Network)coreStrategic or Co-development PartnerBAN is a compliance and employee benefits network partner. Tooher-Ferraris co-hosts webinars with BAN experts including Stacy H. Barrow, Esq. on topics like DOL audits, Section 125 cafeteria plans, and stop loss trends.
• Propeller Inc.minorChannel Partner/ Reseller/ DistributorPropeller provides instant issue surety bonds available through Tooher-Ferraris Propeller portal for quick bond approvals.
• Berkley One (W. R. Berkley Corporation)minorChannel Partner/ Reseller/ DistributorBerkley One is a high-net-worth personal insurance carrier partner. Address: 475 Steamboat Road, Greenwich, CT 06830.
• Acadia InsuranceminorChannel Partner/ Reseller/ DistributorRegional commercial insurance carrier partner. Address: 250 County Road, Westbrook, Maine 04092.
• Selective Insurance Group, Inc.minorChannel Partner/ Reseller/ DistributorCommercial insurance carrier partner. Address: 40 Wantage Avenue, Branchville, NJ 07890.
• CBIA Comp. Services, Inc.minorChannel Partner/ Reseller/ DistributorConnecticut Business & Industry Association Compensation Services provides workers' compensation and related insurance services. Address: 350 Church Street, Hartford, CT 06103.
• NJM Insurance GroupminorChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier partner. Address: 301 Sullivan Way, Trenton, NJ 08628.
• MetLife, Inc.coreChannel Partner/ Reseller/ DistributorMetLife provides life insurance, employee benefits, and related products through Tooher-Ferraris. Address: 200 Park Avenue, New York, NY 10166-0188.
• Delta Dental Plans AssociationminorChannel Partner/ Reseller/ DistributorNational dental insurance carrier for group benefits clients. Address: 1515 West 22nd Street, Suite 450, Oak Brook, Illinois.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Hub International: Hub International is a PE-backed insurance brokerage offering commercial, personal, and benefits products assembled through regional agency rollups — comparable in business model and carrier-agnostic distribution approach to Tooher-Ferraris, with significantly greater scale.
• The Hilb Group: The Hilb Group is a middle-market insurance and HR services brokerage that grew via acquisition of regional agencies, offering personal, commercial, and benefits lines similar to Tooher-Ferraris. Most directly comparable in scale, multi-line breadth, and PE-backed rollup strategy.
• Acrisure: Acrisure is one of the largest PE-backed insurance brokerage rollups in the US, built by acquiring independent agencies and layering on proprietary technology — directly competing with Tooher-Ferraris for producers, clients, and tuck-in M&A targets in the same multi-line agency channel.
• USI Insurance Services: USI is a large, PE-backed insurance brokerage with deep multi-line capabilities (personal, commercial, employee benefits, specialty) — a like-for-like competitor on product breadth that competes with Tooher-Ferraris for mid-market and HNW clients across the Northeast.
• World Insurance Associates: World Insurance Associates is a rapidly-growing PE-backed insurance brokerage rollup that aggregates independent agencies, providing a direct competitive template and likely buyer pool for agencies Tooher-Ferraris's size.
• Brown & Brown: Brown & Brown is a publicly-traded large independent insurance agency with national coverage and a multi-line personal/commercial/benefits book — a relevant comparable for Tooher-Ferraris's growth trajectory and acquisition-oriented growth model.
• Alera Group: Alera Group is a PE-backed national insurance and wealth management firm built from the merger of dozens of mid-sized independent agencies, closely matching Tooher-Ferraris's mix of personal, commercial, and benefits lines at a larger footprint.

Broad incumbents

• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with a broad incumbent footprint that competes for mid-market and larger commercial clients that Tooher-Ferraris also serves, while operating at far greater scale and across all 50 states.
• Marsh McLennan: Marsh is the world's largest insurance broker and a global risk advisory firm whose commercial brokerage overlaps with Tooher-Ferraris's specialty commercial and HNW practices, especially when serving multi-state or larger mid-market accounts.

Emerging players

• Insureon: Insureon is a digital-first commercial insurance agency specializing in small business coverage — an emerging InsurTech competitor threatening the small commercial end of Tooher-Ferraris's book via online quoting and embedded distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/tooherferraris
• Facebookfacebook.com/TFIGInsure
• LinkedInlinkedin.com/company/tooher-ferraris-insurance-group
• Instagraminstagram.com/tooher_ferraris_insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tooher-Ferraris Insurance