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,...
Read full article
Every business has its own unique insurance requirements, and non-profits are no exception. Because nonprofits rely heavily on fundraising and donations to operate, it can be devastating if an unexpected event leads to financial loss or legal issues. That is why securing comprehensive business insurance should be a top priority.…
Read full article
Safeguarding consumers' personal information is more crucial than ever in today’s digital landscape. Data breaches expose sensitive customer data and violate privacy, eroding trust in companies. As data threats mount, cyber insurance is integral in protecting customers and businesses. Cyber security insurance cushions the substantial financial impact of breaches, covering…
Read full article
Due to Connecticut's location on the East Coast, resident homeowners face the possibility of floods damaging their property. Tropical storms can cause excessive rain during the summer, while snowmelt and ice debris pose danger during the winter months. As a result, it is essential to prepare your home for flooding,…
Read full article
Business owners understand that success requires more than just profits. It also requires you to prepare for the unexpected. Business interruption insurance offers one such safety net. This coverage is often overlooked, despite its importance in providing financial support for businesses to cover their ongoing expenses when unforeseen events disrupt…
Read full article
Our lives are increasingly conducted online putting us in danger of one potential cyber attack after another. You hear it on the news regularly now - identity theft, phishing attempts, online threats - it's likely you or someone you know has been the victim of at least one cyber attack.…
Read full article
The holidays are just around the corner. And while it's easy to become caught up in the excitement of planning out-of-town travel, giving yourself peace of mind is equally important before you leave. Taking proactive measures and having adequate auto insurance can make your holiday travel less stressful. Maintain Auto…
Read full article
After investing in a new home, purchasing enough homeowners insurance is a vital next step. To issue a policy, an insurance company will need to assess the value of your home, regardless of your purchase price. Once you buy a homeowners insurance policy, you also have to agree to a…
Read full article
The insurance industry has undergone a transformation in recent years with the integration of artificial intelligence (AI), enhancing fraud detection, underwriting, claims and the customer experience. Insurance professionals have embraced the opportunities that generative AI presents, using it as a tool to enhance the customer experience by offering advanced underwriting…
Read full article
When it comes to auto insurance, many of us are familiar with the basics: liability, collision, and comprehensive coverage. However, two other types of coverage are often overlooked, yet essential for anyone on the roads, and they are uninsured motorist and underinsured motorist (UM/UIM) coverage. In this article, we'll define…
Read full articleContact 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.
