Kramer, along with her parents, was instrumental in bringing classical music performance and instruction to the state of Oklahoma.
As a youth Tosca studied violin with Willy Hess and Eugène Ysaÿe, earning a Diploma from the Royal Conservatory at Sondershausen in Thuringia, Germany.
With the encouragement and cooperation of the enterprising Oklahomans, the Berger family established the Tulsa Philharmonic, the city's first symphony orchestra, and Tosca became a highly respected teacher of violin and viola, known for traveling statewide to give lessons.
Among many noted musicians to come from her studio is Fredell Lack, one of the leading violin virtuosi and teachers of her generation.
Tosca married Adolph Kramer, a violinist and string-instrument maker, and the couple adopted four children.