Brooks, Todd & McNeil Agency Blog

Latest Post: June 3, 2025

Preventing Lithium-Ion Battery Fires: Why Proactive Safety Measures Matter

Lithium-ion batteries are indispensable. They power tools on job sites, home electronics, and essential equipment. However, when mishandled, these batteries pose serious fire risks — potentially catching fire and causing costly property damage, business interruptions, or worse. With the growing reliance on lithium-ion batteries, adequately structured business insurance and personal...

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lithium-ion battery
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lithium-ion battery
June 03, 2025 Preventing Lithium-Ion Battery Fires: Why Proactive Safety Measures Matter

Lithium-ion batteries are indispensable. They power tools on job sites, home electronics, and essential equipment. However, when mishandled, these batteries pose serious fire risks — potentially catching fire and causing costly property damage, business interruptions, or worse. With the growing reliance on lithium-ion batteries, adequately structured business insurance and personal…

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business insurance
May 27, 2025 Rethinking Risk: Why Higher Liability Limits Matter More Than Ever in Today’s Business Climate

Most days begin like any other — until they become moments you'll never forget. A customer slips, a delivery van collides with another vehicle, or a routine project goes awry. Suddenly, you are confronted with a lawsuit, medical bills, or settlement demands far exceeding your standard insurance policy limits. In…

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homeowners insurance
May 13, 2025 Hurricane Season Starts Now: Why Flood and Homeowners Insurance Should Be Part of Your Prep Plan

The 2025 hurricane season is approaching fast, officially starting June 1st. Predictions from the Colorado State University 2025 forecast indicate an above-average season, with more frequent and intense storms expected along the East Coast. For homeowners, the time to act is now. Ensure your homeowners insurance is in force, Replacement…

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personal insurance
April 24, 2025 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 —…

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UM/UIM
April 16, 2025 April is Distracted Driving Awareness Month: How Can You Be a Proactive Driver?

Each year, the month of April is dedicated to raising awareness about the dangers of distracted driving and promoting safer driving habits. In 2024, distracted driving resulted in approximately 3,000 deaths and over 400,000 injuries in the United States. The road holds hidden dangers when driving in Connecticut. Speeding, tailgating,…

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business insurance
April 02, 2025 The Cost of Nonpayment: How Lapsed Insurance Hurts Your Business

The envelope remains unopened on your desk — this is your third notification. Last month's business insurance payment didn't go out. Production costs were high, and something had to give. You figured you'd catch up next week. But time keeps passing by. Most insurers offer a short grace period —…

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life insurance
March 24, 2025 Life Insurance Planning: Tips for Designating Your Beneficiaries Wisely

“If there is anyone dependent on your income, like your parents, children, or relatives, for instance, then you need life insurance.” — Suze Orman A life insurance policy safeguards your family's financial future, and designating the right beneficiaries ensures that your loved ones receive the intended support. Careful planning and…

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epli
March 10, 2025 Employment Practices Liability Insurance: Shielding Your Business From Internal Threats

Businesses face increased risks from employee claims, making employment practices liability insurance (EPLI) essential. A rise in workplace disputes, wrongful termination, discrimination claims, and wage-related lawsuits exposes them to costly legal challenges. This article underscores why EPLI coverage is a critical type of business insurance due to a growing trend…

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home
February 13, 2025 Important Home Tip: Why You Should Replace Rubber Hoses with Braided Steel

If your home still uses rubber hoses for appliances like your washing machine and dishwasher, you will want to consider an affordable upgrade that could save you tens of thousands of dollars. Hoses are an integral part of your home’s plumbing appliances, but they may be worn out. A simple…

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