Homeownership is a cherished goal that represents success, stability, and pride, but it is a long-term investment that requires regular upkeep and ongoing repairs. The costs of homeownership can lead some homeowners to postpone necessary repair work in an effort to save money. However, this short-term focus can compromise the…

The summer of 2025 earned its nickname as the "summer of flooding" for good reason. Record-breaking rainfall, flash floods, and storm surge devastated communities from coast to coast. Now, as La Niña conditions develop, meteorologists warn that irregular weather patterns will continue disrupting regular precipitation cycles well into 2026. Businesses…

Every September, Life Insurance Awareness Month (LIAM) encourages us to reconsider the role of life insurance. The 2025 theme, "Take control of your financial future with life insurance," highlights its importance not just for preparing for loss but also for safeguarding what you've built, ensuring continuity, and establishing a lasting…

Insurance offers protection for the unexpected moments that turn ordinary days upside down. Whether it's personal insurance protecting your home or business insurance safeguarding your livelihood, it can't prevent the initial shock when your phone rings at 2 a.m. with your business alarm reporting a break-in. It won't spare you…

Brooks, Todd & McNeil is proud to announce that it has been named a 2025 Best Practices Agency by the Independent Insurance Agents & Brokers of America (the Big “I”) and Reagan Consulting. This elite designation places the agency among the top 1% of independent insurance agencies nationwide. Every three…

Nothing beats the sizzle of burgers on a hot grill, the aroma of barbecue smoke drifting through the neighborhood, and friends gathering in your backyard for a perfect summer evening. Yet behind these cherished moments lurks a sobering reality: Summer is prime grilling season and peak time for backyard fire…

Fires, floods, and lawsuits announce themselves. You see the smoke or floodwaters or hear the knock at the door. As such, business insurance tends to focus on what's outside. But some of the most destructive losses come from within. Employee dishonesty is rising fast, and if you don't catch it…

No one wants to believe their dog could hurt someone. For most pet owners, dogs are family — trusted companions, not threats. But even the gentlest dog can act unpredictably under stress, fear, or excitement. Unfortunately, a bite or injury, while emotionally distressing in itself, can escalate into a lawsuit,…

Lithium-ion batteries are indispensable. They power tools on job sites, home electronics, and essential equipment. However, when mishandled, these batteries pose serious fire risks — potentially catching fire and causing costly property damage, business interruptions, or worse. With the growing reliance on lithium-ion batteries, adequately structured business insurance and personal…