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…

Most days begin like any other — until they become moments you'll never forget. A customer slips, a delivery van collides with another vehicle, or a routine project goes awry. Suddenly, you are confronted with a lawsuit, medical bills, or settlement demands far exceeding your standard insurance policy limits. In…

The 2025 hurricane season is approaching fast, officially starting June 1st. Predictions from the Colorado State University 2025 forecast indicate an above-average season, with more frequent and intense storms expected along the East Coast. For homeowners, the time to act is now. Ensure your homeowners insurance is in force, Replacement…

The renewal notice is buried under unopened mail. Money’s tight this month, so you tell yourself the personal insurance payment — whether for your home, auto, or renters policy — can wait. However, insurance companies don’t wait long. Most policies include a grace period of 10 to 30 days —…