Brooks, Todd & McNeil Agency Blog

Latest Post: April 24, 2025

The Cost of Lapsed Coverage: How Missed Insurance Payments Can Hurt You

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 —...

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BrooksToddandMcNeil_DigitalTransformation
August 15, 2022 Digital Transformation: The Positives and Negatives

A digital transformation can cause changes, inevitably producing benefits and disadvantages, especially for those in the industry. This term refers to the continuous introduction of new technology in the insurance sector, including machine learning, artificial intelligence, and data management tools. Digital Transformation: The Ups and Downs You might wonder —…

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BrooksToddMcNeil_OpenPayments
August 08, 2022 How Open Payments Affect Medicare

There are specific ways that open payments affect Medicare that people need to understand so they can adjust accordingly. According to the Centers for Medicare and Medicaid Services, 6.27% of all payments made with Medicare funds are improper or fraudulent. This number demonstrates the problem that open payments seek to address.…

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BrooksToddMcNeil_RetireesWhoTravel
August 01, 2022 Retirees Who Travel Should Check Medicare Coverage

Retirees who travel should take certain precautions to ensure nothing goes wrong and they can enjoy the trip to the fullest. They have worked long and hard for companies, putting in their time to help the company. Now, they have the chance to venture out into the world, making their…

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BrooksToddMcNeil_TheSafestVehiclesForYourTeen
July 25, 2022 The Safest Vehicles for Your Teen to Drive

Choosing the safest vehicles for your teen is essential to ensuring that they have the safest time on the road. One of the most stressful life stages for a parent is when their teenager starts driving. The CDC reports that drivers aged 16-19 are three times more likely to experience…

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BrooksToddsandMcNeil_ProtectingYourHomefromWildlife
July 18, 2022 Protecting Your Home from Wildlife

Protecting your home from wildlife is essential to preventing any liabilities from occurring to your home or loved ones. It’s not unusual to see coyotes, black bears, or badgers wandering in and out of residential neighborhoods much like you would see a raccoon or opossum. Animals and humans have a…

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BrooksToddMcNeil_ProtectYourSmallBusiness
July 11, 2022 Protect Your Small Business from a Cyberattack

The ability to protect your small business from a cyberattack is the first thing that should be on your mind as you attempt to grow. According to research from experts, a cyberattack can cost a business as much as $4.24 million. This number would be startling for any company, but it’s…

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BrooksToddMcNeil_MedicareInsolvency
July 04, 2022 Medicare Lifeline Extended

Projected Medicare insolvency may face some pushback in the near future as there is uncertainty, but an extension passed, delaying depletion. Medicare provides essential healthcare to over 62 million Americans. In recent years, though, its financial sustainability came under scrutiny. It became apparent in 2021 when the Medicare Board of…

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BrooksToddMcNeil_PreventYourCarFromOverheating
June 27, 2022 How To Prevent Your Car From Overheating

It would help if you acted vigilantly when driving to prevent your car from overheating and avoid getting stranded on the side of the road. Overheating is a problem most commonly associated with summer. However, your vehicle can overheat at all times of the year. Overheating Car You may be…

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BrooksToddMcNeil_Hurricane
June 21, 2022 NOAA Predicts An Above Average Hurricane Season. How Prepared Are You?

The National Oceanic and Atmospheric Administration (NOAA) is predicting a higher than average hurricane season this year. The 2022 Atlantic hurricane season, which runs from June 1 to November 30, is predicted to have a 65 percent chance of being an above normal season. The increased activity is attributed to…

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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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