Brooks, Todd & McNeil Agency Blog
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 —...
Read full article

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…
Read full article
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…
Read full article
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…
Read full article
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…
Read full article
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…
Read full article
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…
Read full article
Your nonprofit is excellent, and you do good work, but you need help to market it or showcase what you do. Ultimately, well-planned development initiatives can help charitable organizations expand their operations and make a more significant impact in the communities that they serve. With fewer resources to work with…
Read full article
Saving money on auto insurance in Connecticut could put some breathing room into your monthly budget. Rather than creating lower limits to make auto insurance more affordable, consider less risky strategies to generate savings. Here are five tactics that could help you lower your premiums. Increase Your Auto Insurance Deductible Raising your…
Read full article
The construction industry faces challenges due to rising costs, inflation, and great uncertainty across the market. Construction companies need to be conscientious and adaptive to withstand this new climate. With project costs increasing, responsible budgeting and risk management are crucial. How the Construction Industry is Dealing with Inflation Here are…
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.