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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August 30, 2021 Everything You Need to Know About Fixed vs. Indexed Annuities

According to the Small Business Administration’s Office of Advocacy, there were 30.7 million small businesses in 2019. These companies employed nearly 60 million people in fields such as retail, healthcare, and tourist industries. If you’re one of the nation’s many small business owners, you’re probably accustomed to working hard, and retirement…

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August 23, 2021 How to Create a Cyber Breach Response Plan

“The best day to plant a tree is twenty years ago. The second best day is today.” With computer network intrusions continuing to mount, that tree-planting proverb also applies to your business’s cyber-breach response plan. While cyber security insurance is a risk management cornerstone, an effective response plan is also an essential…

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August 16, 2021 How to Buy Your First Home

Are you currently in the market for your first home? If you’re in the midst of browsing potential neighborhoods, creating home wish lists and shopping around for top Home Insurance options, you may be curious to learn about the top tips for first-time home buyers. Purchasing your first home is a major…

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August 09, 2021 What to do After an RV Accident

Many take to the road in an RV thinking of the great vacation memories they are about to make, giving little thought to the possibility of getting into an accident. Being in an accident in an RV can be a lot scarier than being in a sedan or pickup truck.…

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July 21, 2021 Your Guide to Buying Life Insurance

Personal life insurance is an excellent tool to ensure that your family can sustain the loss of your income and your business can continue to operate if you pass away. By guaranteeing a specific amount of money upon your death, life insurance can allow your family to pay for debts and…

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July 21, 2021 A Guide to Implementing an Employee Benefits Package

Employers face increasing pressure to attract and retain the top talent in their industry, and one of the ways to get ahead of the competition is through a phenomenal employee benefits program. There are a number of different elements that could be included in employee benefit plans, and there are several…

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July 05, 2021 Where Should You Store Your Valuables?

Most people have certain possessions that they do not want to lose. Whether these possessions have a high monetary value like jewelry or cash or a high sentimental value such as family heirlooms, you want to keep them safe. In 2019, there were well over half a million burglaries in residences across…

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June 28, 2021 Helpful Tips for Small Nonprofits

A grassroots nonprofit organization may face a variety of obstacles. Grants and funding sources are competitive, and large organizations with extensive resources are often in a better position to attain funding. In order to further their cause, small nonprofits need to launch strategic awareness initiatives, maximize their existing resources, and…

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June 21, 2021 How to Notify Clients of a Data Breach

As a business owner, you have lots of sensitive information about your clients, including their names, addresses, financial details, and contact information. When a hacker or virus compromises your databases, you need to let your clients know as soon as possible. To help you get started, here are the top…

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Contact Us For A Consultation And Quotes

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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