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Branford. CT 06405
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Business Insurance


As a Trusted Choice® independent insurance agency with 50% of our clientele in the commercial arena, we can proudly report that we have the pleasure of learning about many different local businesses in Connecticut.  We love getting to know these businesses and the amazing people behind them.  It never gets boring hearing about their accomplishments and how they were achieved.  Not only is it interesting, it’s motivating! 

You see our job is to assess each company’s risks and construct the type of business insurance package they need to protect their livelihood.  Getting to know the back-story and the people involved, motivates us even further to be sure we leave no stone unturned when it comes to their business insurance protection.  

Breweries - One of Our Favorites

One of our absolute favorites to learn about has been breweries in Connecticut.  The number of breweries and brewpubs has exploded in Connecticut.   Check out the CT Beer Trail website to see the growth!   It’s been thoroughly enjoyable learning about the now or never moments, the hobby gone career outcomes, and the dedication of these front porch, garage, and basement brewers who started somewhere and eventually evolved into successful establishments where friends and family gather.  Okay, okay some of us can say, the beer is awesome too!  

But seriously, the hard work, dedication, and the chance that’s required to make a dream a reality is what really gets us.  We take that personally with any business we protect.  I mean we understand. We’re a local, Connecticut business too.  We have a 133-year history and reputation to uphold.  We get the hard work, commitment, and time that goes into being a successful business.  

A Chance These Businesses CAN’T Take ...

Physical fitness
By: Pauline Handy - Marketing Director


You may remember from one of my last articles, Standing Desks, that I talked about my personal experience with using a standing desk. Today, I’m going to dive into other ways you can increase your activity and simply get up from your chair during a long day at the office. 

If you’re like most working adults, you probably spend eight to ten hours of your day, not including travel, at your place of employment. These long work days can create a major struggle when it comes to fitting everything else into your very minimal amount of free time.  I think it’s safe to assume that regular exercise could be one of those things you often compromise. Am I right?

Since exercise is a very important component to staying healthy and shouldn’t be compromised, I want to give you some ideas that will help you keep your body moving. Some of our team members at V.F. McNeil Insurance are finding these workplace workouts to be a good supplement to their weekly exercise. 

Also, a few of our staff members have reported that some of these exercises have helped to fend off the mid-to-late day fatigue that can often occur after long periods of sitting.  Read on to learn our tips.  

Home Maintenance

Ah, those first warm breezes of spring! Soon even the most devout winter couch potato’s dreams turn from football on television to those long-harbored visions of a major landscaping project, exterior and interior home refreshing, and maybe even a spring purge of those overcluttered areas of the house or garage.    

A word of caution before you jump right in!  Weekend Warrior Syndrome is real and can be painful.  Sudden activity shifts after a long winter of hibernation need to be approached with care.

And who knew that weekend warrior syndrome can also be seasonal? Thousands of injuries, severe sunburns, and other afflictions are suffered every spring when formerly sedentary folks get outside and begin gardening, climbing ladders, using lawn equipment such as mowers, and, in the process, breathing fumes from chemicals.

At V.F. McNeil Insurance, we understand the emerging warriors of spring, and we would like to offer some simple advice that may help prevent your spring dreams from turning into spring pains. Review our list of tips before you get started: 

Coffee Home Book
Your Home is Your Happy Place.  Be Sure It’s Protected Properly 

A Checklist for Homeowners 

Did you know that one in 15 insured homes has a claim each year? 
Yes, according to the Insurance Information Institute, it’s only a matter of time before it’s your turn to file a home insurance claim. Wind, hail, water damage, freezing, theft, fire and lightning are just a few of the common culprits. Now tack on the probability of a liability claim or lawsuit being filed against you or a family member, and the likelihood of your home insurance staying on the bench forever is slim. 
Following is our handy checklist to be sure your homeowner’s insurance policy adequately protects you. Review these with your family and your Trusted Choice® Independent Insurance Agent before you are the one with a claim. 


  • Know the difference between reconstruction cost and replacement cost. Your home’s reconstruction cost and its market value can vary significantly, especially if your home is older. Reconstruction cost is what it would cost to replace your house by rebuilding it completely at current prices. Market value is what someone is willing to pay for your home including the lot. The limit of insurance carried on your home should be based on its reconstruction cost. 
  • Check your limits at least annually. It’s estimated that 60% of homes are underinsured, most by at least 20%. Underinsured means exactly what you think it means: You will not be a happy camper if your home suffers major damage and must be reconstructed. 
  • Don’t forget about your possessions. Ensure that your personal property is covered on a replacement instead of actual cash value basis. Don’t underestimate how much you’ll miss that brand-spanking new couch, closet full of clothing or bicycle after they’re reduced to a charred mess by a fire!