Our Team

Our Team

No two people are the same, and our insurance professionals know this better than most. Our deep insurance knowledge and broad life experience inform our every decision, with only one goal in mind: your protection.

With decades of experience, we're excited to make sure you get the coverage you need before you need it most.

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About Our Agency

About Our Agency

Our agency is a local, family-run business that was started by Ryan Ferraro’s father in Webster, New York in 1976. As a second-generation Nationwide Insurance Agent, Mr. Ferraro is proud to follow in his father's footsteps and is honored to be able to pass along the values his father taught and instilled in him.

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CULTIVATED FOR YOU

Fallen Tree Damage—Who Pays?

As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?

In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.

There is one exception, however.

If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.

You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.

Your Goals, Our Strategies

Discover an array of services for all your insurance needs.

No matter what size your farm is, or the types of risk involved, you need to protect your livelihood from the unexpected.

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If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity.

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Homeowners insurance products can help you protect your home and belongings should disaster strike.

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Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events.

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Helpful Content

Helpful Content

Curated articles, videos, and more for a more educated you.

<p>Medicare Advantage 101</p>

Medicare Advantage 101

Overview of Medicare Advantage, what’s in them, special rules, and more.
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<p>Can Group, Private Disability Policies Work Together?</p>

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.
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<p>Did You Know This Fact About Night Safety?</p>

Did You Know This Fact About Night Safety?

Follow this tip to increase your children's visibility at night.
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Have a question? We're ready to help.

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