Francis A. Garufi received his B.A. from St. John's University and his J.D. from Brooklyn Law School. Before joining the firm, he worked at the law firm of Melito & Adolfsen P.C., concentrating on insurance coverage litigation and general liability defense. Mr. Garufi is admitted to the New York and New Jersey bars and is a member of the New York County Lawyers' Association. Mr. Garufi resides with his wife and two sons in Mahopac, New York.