Brooks, Todd & McNeil Agency Blog

Latest Post: April 21, 2026

What the End of Medicare and CT ACA Commissions Means for Consumers

Sweeping changes are reshaping how Connecticut residents get insurance advice on essential programs like Medicare and the Affordable Care Act (ACA) — including how commissions are paid and how these changes affect consumers.  A major part of this shift is that insurers are cutting or eliminating commissions paid to independent...

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BTM_UmbrellaCoverage
June 18, 2023 Significance of Umbrella Coverage in an Era of Nuclear Verdicts

One of the biggest problems facing corporate America in today's business climate is the nuclear verdict, the term applied to a jury trial that awards $10 million or more in damages. Stoked by resentment and anger during the lawsuit and ensuing trial, these substantial verdicts can include disproportionately punitive damages…

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June 13, 2023 Why Defensive Driving Is The Best Offense On The Road

Being vigilant when operating a vehicle significantly reduces your risk of getting into a severe accident. Defensive driving helps to safeguard you, your passengers, and other drivers on the road. It may also spare you from costly damage to your vehicle or claims against your auto insurance. Review these critical…

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June 06, 2023 Importance of Water and Temperature Sensors in the Home

Protecting your home from potential water damage is a paramount concern for every homeowner. That's where water and temperature sensors come into play, serving as invaluable tools to detect leaks, mitigate mold growth, and preserve the structural integrity of your property. In this article, we will explore the critical importance…

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April 24, 2023 4 Cybersecurity Threats to Watch for in 2023

Concerned that you may not be able to obtain or afford Cyber Liability coverage? You should be, if you don’t have extensive Firewall, Multifactor Authentication (MFA), and other security measures in place. Even if you learn you are presently uninsurable through the underwriting process, in most cases such deficiencies can…

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April 17, 2023 How Inflation Impacts Risk Management

Inflation and economic uncertainty have a negative impact on business operations, and there are many factors to consider. Ultimately, leaders must make decisions in the face of fluctuating stock values, tougher lending criteria, and soaring prices for goods and services. From a risk management perspective, there are concerns that inflation will negatively…

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April 13, 2023 Commercial Property Insurance Costs Are On The Rise – Here Are 5 Reasons Why

If you are a business owner, you may have noticed that commercial property insurance rates are going up. There are multiple factors contributing to these premium increases. As a business, it is important to know why your insurance costs are on the rise and what you can do to help…

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April 10, 2023 Things to Know Before Signing a Policy for Homeowners Insurance in Connecticut

Homeowners’ Insurance in Connecticut provides essential protection to homeowners for the physical structure of your home and your personal belongings. It also covers accidents and injuries that take place on your property, and liability arising from one's actions off one's property. Learn what to know about homeowners insurance in Connecticut to…

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March 27, 2023 How to Promote Your Nonprofit This Year

Your nonprofit is excellent, and you do good work, but you need help to market it or showcase what you do. Ultimately, well-planned development initiatives can help charitable organizations expand their operations and make a more significant impact in the communities that they serve. With fewer resources to work with…

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March 20, 2023 5 Ways to Save Money on Auto Insurance

Saving money on auto insurance in Connecticut could put some breathing room into your monthly budget. Rather than creating lower limits to make auto insurance more affordable, consider less risky strategies to generate savings. Here are five tactics that could help you lower your premiums. Increase Your Auto Insurance Deductible Raising your…

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Contact our experienced independent insurance agents for quotes on all your personal insurance needs. Our agents will help find you the best coverage, prices and protection for you and your loved ones. We are conveniently located in the Connecticut towns of Torrington, South Windsor, Enfield and the South Carolina towns of Spartanburg and Mullins.

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