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About Us

The Focus

Established in 2008, we aspired to one basic idea. Refocus risk into the most basic terms possible and incorporate what matters most: analysis, coverage and service. We continue to live and operate by these principals every day. In this dynamic economy, both business and personal aspirations deserve the best in risk guidance. Toto Group, LLC insurance made simple. Insurance Refocused.


Founder, CEO

Ryan Toto, CPIA is a graduate of Johnson & Wales University’s Hospitality College – Providence, RI. Throughout his career, he has held positions with Marriott, Enterprise Rent-A-Car and Allstate. In June of 2007, he began an apprenticeship with EMAR group in Livingston, NJ. While at EMAR he was educated by some of the best and most talented leaders within the industry, at the same time he developed a passion for the commercial insurance sector. One year later in August of 2008, Toto Group, LLC was established. Since then Ryan has continued to integrate insurance with hospitality resulting in a truly unique customer focused experience.


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