Brooks, Todd & McNeil Agency Blog

Latest Post: January 21, 2026

The Real Cost of Skipping Workers’ Comp: Legal Risks Employers Can’t Ignore

Skipping workers’ comp does not save money. It creates consequences that carry serious legal, financial, and operational harm. What begins as a business insurance budgeting decision can quickly become a legal crisis.  Employers who operate without required workers’ compensation insurance expose themselves to lawsuits, regulatory penalties, and, in most states,...

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September 05, 2022 Medicare Prescription Drug Average Likely to Fall in 2023

Medicare prescription drug average is likely to fall by the time 2023 comes around, creating some options for patients. Medicare is national health insurance run by the government. The original plan, known as Part A and Part B, does not cover all medical services, treatments, or expenses. Many individuals purchase…

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August 29, 2022 What to Do When Your Car Breaks Down

It is vital and lifesaving to know what to do when your car breaks down on the side of the road, and it could save a life. Even if you have towing or roadside coverage on your auto insurance, the first time your car breaks down can be a frightening…

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August 29, 2022 When Medicare’s Annual Enrollment Period is and Why It Matters

Don't wait until the last moment to consider your Medicare options. Medicare's Annual Enrollment Period runs annually from October 15th through December 7th. If you are at least 65 or older and eligible for Medicare, here is what to know as you review your Medicare plan options. If you currently have…

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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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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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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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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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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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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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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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