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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workers’ comp
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business insurance
January 30, 2024 What Types of Business Insurance Coverage Should I Consider for My Nonprofit?

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.…

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cyber security insurance
January 23, 2024 Best Practices for Protecting Your Customers’ Personal Data

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…

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flood insurance
December 15, 2023 Water, Water Everywhere: Home Prep for Flooding in Connecticut

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,…

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business interruption insurance
November 01, 2023 Shielding Business Continuity: The Role of Business Interruption Insurance

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…

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cybersecurity
October 17, 2023 October is Cyber Security Awareness Month

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.…

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auto insurance
October 09, 2023 Preparing Your Car for Stress-Free Holiday Travel

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…

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homeowners insurance
September 30, 2023 Understanding Home Insurance Inspections and Property Recommendations

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…

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insurance
September 27, 2023 How Will AI Impact the Insurance Industry?

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…

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auto insurance
September 27, 2023 Understanding Uninsured and Underinsured Motorist Coverage

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…

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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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