Brooks, Todd & McNeil Agency Blog
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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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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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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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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There are common safety hazards in the home that you would not think could hurt you and your family if you are not mindful. Home insurance covers your house's structures and personal property, but you need liability coverage if you want protection from legal responsibility for hazards. Home and the Dangers…
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Cyber attacks on companies are becoming more frequent, and the harm they cause can have long-lasting repercussions. Companies across all industries have to step up their data security initiatives. Preventative and Reactive Actions To effectively reduce their risk exposure, they need to use proactive strategies to prevent breaches and devise…
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People do not often understand what a Medicare Advantage is or how it can benefit them over a long period of time. Medicare Advantage plans give many additives to insureds. However, they can also be challenging to understand — especially for nursing homes and other health care businesses. If you…
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If you want to ensure your summer trip goes smoothly, you need to prepare your vehicle to prevent the worst from happening. Are you planning a summer road trip? It could be a trip to the canyons or an adventure to the mountains. Perhaps you will lounge on the beach…
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It is almost summer and you have to figure out a way to get your home ready for the heat and everything that comes with it. During the summer months, temperatures skyrocket, and those intensely hot days can wreak havoc on your house and comfort. You may want to cozy…
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Establishing proper lines of communication between insurance companies and clients is important to set the same goal. There are many different components of a successful insurer-insured relationship. One of the most important, though, is an open communication line between both parties. Communication Between Insurance Companies and Clients Communication Between Insurance…
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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.
