Brooks, Todd & McNeil Agency Blog

Latest Post: October 15, 2025

Life Insurance Isn’t Just for Parents: Why Millennials and Gen Z Should Rethink Coverage

If you're in your 20s or 30s, life insurance probably feels like something for later — after the house, the wedding, the kids. But waiting means paying more later — sometimes much more — and missing out on modern, flexible financial planning advantages and protection you can only lock in...

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BrooksToddMcNeil_Homeowners'Insurance
July 10, 2023 Tips for Homeowners’ Insurance Coverage

There are many decisions to make when you buy a home, and your insurance coverage is one of the most important. Most mortgage lenders require homeowners insurance to protect their interests, and you need it to protect yours. If you are unfamiliar with this coverage, there are a few things…

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manufacturers insurance
July 03, 2023 How Manufacturers Insurance Coverage Protects You From These Common Risks

As a manufacturer, your business must meet certain standards and responsibilities. The unique nature of manufacturing businesses requires comprehensive manufacturers insurance as well. You should understand the risks your manufacturing business faces to target your insurance coverage appropriately. There are some key risk factors that every manufacturer should understand. Manufacturers…

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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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BrooksToddandMcNeil_WaterandTemperatureSensor
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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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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