Brooks, Todd & McNeil Agency Blog

Latest Post: April 24, 2024

Dog Bites: A Billion Dollar Business 

According to a recent report by the Insurance Information Institute (Triple-I), just over 19,000 dog bite claims in 2023 had US insurers paying out $1.12 billion, an increase of more than 8% over 2022 and 110% over the past decade. However, the average cost per claim slightly decreased from $64,555...

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BrooksToddMcNeil_RentalReimbursement
June 24, 2023 Importance of Carrying Higher Rental Reimbursement Coverage

When an unexpected motor vehicle accident leaves you without transportation, having Rental Reimbursement as part of your auto insurance may be vital. The time it takes to repair your vehicle might take much longer than it did in the past due to supply chain issues and staffing shortages. And, the…

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June 19, 2023 June 28th is National Insurance Awareness Day

Did you know that every year on June 28th we celebrate National Insurance Awareness Day? We know that insurance isn't often a topic that people want to think about unless needed since insurance comes into play when accidents or tragedy strikes. And who wants to focus on the bad? But…

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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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BrooksToddMcNeil_DefensiveDriving
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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BrooksToddMcNeil_Cybersecurity
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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BrooksToddandMcNeil_RiskManagement
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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BTM_CommercialPropertyInsurance
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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BrooksToddMcNeil_Homeowners'Insurance
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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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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