Home Posts tagged Insurance
Insurance

Deepening Its Roots

Timm Marini, president of Personal Lines

When FieldEddy Insurance entered the HUB International family a little over five years ago, it traded a name with a rich regional history for one backed by the resources of a large corporation. The result has been the best of both worlds — HUB’s clout improves the office’s ability to grow specific niches through talent development, while the company is still able to focus on local needs with an emphasis on building deeper relationships with customers.

The insurance company known as FieldEddy had more than 160 years of history and a still-growing geographic footprint in Western Mass. when it became part of the HUB International family in 2014.

It’s a move that simply made sense at the time, Timm Marini said, and he feels even more strongly about that five years later.

“It’s such a natural fit for us,” said Marini, president of Personal Lines at HUB International New England in East Longmeadow. “There’s a cultural mesh in that our focus and HUB’s focus has always been in delighting the customer.”

Several years ago, FieldEddy employees were tasked with coming up with tools and resources they needed to better ‘delight’ those customers, Marini recalled. “We got to about seven of them and looked at each other and said, ‘we’re going to go bankrupt trying to buy all this and do all this on our own.’ So we plugged into HUB, and that’s when we really became the market leader.”

While FieldEddy had grown dramatically through acquisition over the previous two decades, under the HUB name, the company took a more organic approach, Marini told BusinessWest, adding talent in specific growth areas, from cybersecurity to healthcare (in the wake of health-insurance reform in the Bay State, followed by the Affordable Care Act nationally).

But last year, it was back on the acquisition trail, purchasing the Insurance Center of New England in Agawam — a move, Marini said, that represented the same sort of ‘cultural mesh’ that FieldEddy and HUB did five years ago.

“They had some great talent on their team and a couple of niche markets that made sense for us,” he said. “We’re not just buying to get big. We’re buying to get better. If we can buy an organization or invest in an organization that helps us get better, that’s what HUB’s acquisition strategy country-wide is.”

“When there’s a catastropic event — a hurricane, a tornado — HUB is ready, and we’re communicating to our customers, we’re communicating to the marketplace, and we’re giving them better data than what you’d receive in the news. We’re getting ready for the event.”

The company undergoes a due-diligence process before making an offer, he explained, one that involves three questions. “Number one, is it a good fit? Number two, are they bringing something to the party to make us better? And number three, can we make it grow?

“This was a great cultural fit, with really educated people — just good, solid folks. That first piece of it was a home run,” Marini went on. “Then, they have talent that we didn’t have, and we’re getting that talent. HUB wants to bring levels of expertise and be able to delight our customers differently. We want different people on our teams, different resources available to us, that will help our customers.”

For this issue’s focus on insurance, Marini talked about how HUB continues to expand both its reach and its knowledge base in numerous ways.

Hub of Activity

HUB itself has been around only since 1998, with its first operations in Canada and Chicago. Its first acquisition after that was CJ McCarthy Insurance Agency in Wilmington, Mass. in 2000. It picked up FieldEddy 14 years later.

Today, Marini said, HUB is the largest independently owned agency in New England, the largest personal-lines agency in the country, and the fifth-largest agency in the U.S. overall. So, while the firm operates autonomously with local decision making, it does so with plenty of clout behind it.

“A lot of our talent investments, we could never do on our own,” he said, citing growth in areas like risk services and loss control, claims advocacy, and underwriters who specialize in specific niches.

Legalization of marijuana is one example. “We’ve made pretty significant investments in educating our brokers across the country and making sure we can handle the unique needs of that industry.”

As another example, “on the health side, we’re asking, ‘what do we need to do better for the customer?’ We’ve invested in health and wellness folks, people who can help mitigate exposures and help us all be healthier … we’ve invested in actuaries, underwriters, data-analytics experts, just to help carve out the information and make sure the pricing we receive from insurance carriers is the right one for our customers.”

“I believe we’ve tried to move away from just the transactional side of things. Price is important, coverage is more important, but most important is being that advocate — not just when the negative or adverse thing happens, but being there through the process, through the life of the product that you’re talking about. It’s not just the transaction.”

And in times of emergency, HUB brings more to the table than insurance, he added.

“When there’s a catastropic event — a hurricane, a tornado — HUB is ready, and we’re communicating to our customers, we’re communicating to the marketplace, and we’re giving them better data than what you’d receive in the news. We’re getting ready for the event.”

When a hurricane devastated Bermuda last year, he noted, “we had $10 million homeowner customers on the island. And when that happened, we had barges filled with emergency-care stuff out there. HUB coordinated it — paid for by us, by our carrier partners — and it had nothing to do with insurance, just to do with taking care of people.

“Again, as a small independent, we didn’t have the resources to do that,” he went on. “That’s really cool. To be able to communicate that and see it in action, it puts me to bed thinking we made the right decision five years ago.”

In general, Marini said, being part of a large national company is a healthy balance between local autonomy and broader resources.

“The budget is more regional and filters across, but my team is plugged into the process. We have growth initiatives and retention initiatives — again, focused on delighting the customer,” he told BusinessWest. “We say, ‘grow well, grow big, but don’t just be big — be great at what you do.’ And the greatness comes from our customer feedback.”

Knowledge Is Power

HUB International New England has also bolstered its educational outreach in recent years. For example, it recently sponsored a seminar with about 350 business customers about the new employee leave laws in Massachusetts, featuring Bill Alpine, director of the Commonwealth’s Department of Family and Medical Leave, and two attorneys.

“That whole educational process takes a real investment in your people, in your talent. And that’s one of the benefits of HUB,” he said, adding that the company offers a ‘HUB University’ program in Chicago, where employees are trained in specific industries and niches to be better able to serve certain types of customers.

“It could be as simple as one individual or one family that owns one home, or a high-net-worth individual with millions of dollars of assets, all the way to the largest corporations in the world,” he said. “We educate each one of those folks and determine their needs through an assessment, a conversation. It’s not just selling them a product, it’s really finding a solution — and having them understand up front what they’re buying.”

All insurance, after all, is assessing risk and deciding how to mitigate and cover it, he went on. Someone in a flood zone might decide, based on not having a flood in the past 100 years, that they’re OK with not covering that, but at least they’ve had the conversation.

“It’s an educated buying decision based on some expertise we bring to the table. It’s not just trying to sell a policy,” Marini said. “And how do you get there? We have to educate our employees, and they educate our customers. It’s a shared conversation, not a unilateral conversation.”

HUB takes part in national summits with industry experts as well, talking about hot trends and digging into coverage details, such as how to protect, say, someone’s vast wine collection from California wildfires. That’s a first-world problem to be sure, he noted, but if it’s something of value to the customer, then it’s important to HUB.

“Each person has specific things that are special to them,” he told BusinessWest. “Our responsibility is to find the right levels of protection for them.”

That involves forging relationships, he added.

“I think about some of the partnerships I have personally. The same guy has made my suits for 28 years. The same guy cut my hair for 34 years. Those are personal relationships — yes, they provide a service, and insurance is a service — but they’re real, personal relationships that bring different conversations than you have with your friends and your other acquaintances.

“I believe we’ve tried to move away from just the transactional side of things,” he continued. “Price is important, coverage is more important, but most important is being that advocate — not just when the negative or adverse thing happens, but being there through the process, through the life of the product that you’re talking about. It’s not just the transaction.”

Community Ties

Marini says HUB International New England has long maintained relationships of another kind as well — with the nonprofits and community organizations it supports with money, time, energy, and expertise.

“I still sit on six nonprofit organizations. It’s all about giving back to the community,” he said, adding that employees are encouraged to get involved as well, even if it overlaps with work time. “We encourage that; we don’t count it against their time. It’s good for our organization. We want to be in the community, frankly. It’s what we are. And HUB is the exact same way. It’s an expected part of the culture.

“We encourage everyone in the organization to be involved. It’s rewarded, not penalized,” he went on. “After all, this is a people business. We earn a lot of money, and we invest a lot of money. That’s something I’m proud of.”

 

Joseph Bednar can be reached at [email protected]

Insurance

Beyond the Bottom Line

If a customer wants insufficient coverage, Mark Lussier says, he or she should at least have a conversation about it and understand the risk.

Mark Lussier tells the story of a newly licensed driver backing out of her driveway in South Hadley who didn’t see the 85-year-old walking along the sidewalk. They met, and he fractured his hip and was in rehab for six months.

“Fortunately, the lawyers weren’t bloodthirsty, and they settled for the policy limit for bodily injury,” said the co-owner of Lussier Insurance in West Springfield, noting that, too often, lawyers aim for the maximum award, putting the defendant’s house and savings at risk.

Yet, “in its infinite wisdom, the Commonwealth of Massachusetts has determined that $20,000 of bodily-injury coverage is all you need to be legal,” he told BusinessWest.

Then there’s property-damage coverage on auto-insurance policies, which has a minimum requirement of $5,000. “I had a case not too long ago where someone hit a hydrant and a parked car, and then a porch. I’m guessing $5,000 wasn’t enough to pay for all that stuff. But it’s interesting to see how many people have only $5,000 for property damage.”

Many bare-bones policies come from the direct writers like Geico and Progressive that saturate the airwaves with ads focused only on premium price. But, in reality, insurance customers can get policies for not much more than the bare-bones pricing of the online marketers, but with much better coverage, explained in detail, simply because of the flexibility Massachusetts insurers have enjoyed over the past 12 years — flexibility that, for the most part, didn’t exist before.

Indeed, for much of the past century, auto-insurance rates in Massachusetts were set by the state Division of Insurance. Anyone who requested a premium quote for a certain level of coverage would receive the same price from any number of companies, unless they were eligible for a group discount.

Managed competition, which began in 2008, allows insurance companies to offer their own rates. Although these rates may vary, they must still be approved by the Division of Insurance — hence the term ‘managed.’ The result is that Massachusetts drivers are able to compare the different rates, benefits, and services offered by the insurance companies competing for their business.

“So many people are gathering information online without talking to the agent to explain the coverage, so they don’t understand at all what they’re purchasing. It’s the same old story,” said Trish Vassallo, director of Operations at Encharter Insurance in Amherst.

And, while $5,000 won’t cover the cost of a telephone pole or guardrail, injuring a person with one’s car and being undercovered is usually far worse, she explained. But that doesn’t have to be the case, as the premium difference between $100,000 and $250,000 in coverage can be as low as $10 per year — well worth the peace of mind.

Trish Vassallo

“I don’t think there’s an agent in Massachusetts who doesn’t welcome clients calling and talking to them. We like getting away from billing questions and talking about the nuts and bolts of insurance. It’s what we live for — sharing knowledge. It’s so important to make sure you understand everything you’re getting. You don’t want to learn about it after a loss.”

“That’s what we explain to them. Accidents happen, and if a building is hit, $250,000 might not be enough, but it certainly gets you closer,” she said, adding that, if a pedestrian is hit and successfully sues, $100,000 isn’t going to cover the costs.

Auto insurance, like all personal lines, is all about understanding risks and making an educated decision on what one’s comfort level is, she said — and not just settling for the lowest bottom-line price.

Bundle of Options

Under managed competition, carriers have been able to offer individualized add-ons and rider endorsements, from accident forgiveness to gap coverages to good-student discounts, and local agents say it’s important to have a conversation to get the best price for the coverage that’s actually sufficient.

“Today’s market is all about packaging and bundling insurance, and when you shop just one product, you sell yourself short in the money game,” Vassallo said.

To that end, she said, picking up the phone and talking to an agent is far superior to pressing a few buttons online.

“It’s about educating yourself, and I don’t think there’s an agent in Massachusetts who doesn’t welcome clients calling and talking to them. We like getting away from billing questions and talking about the nuts and bolts of insurance. It’s what we live for — sharing knowledge. It’s so important to make sure you understand everything you’re getting. You don’t want to learn about it after a loss.”

Part of that education, Lussier added, is understanding what’s most important to insure.

“Why buy auto insurance? In the consumer’s mind, it’s to protect the car; that’s the thing they care about,” he said. “I was the same way when I was a brand-new driver. ‘Give me what I need, whatever’ — until you have a claim. One thing I hear is, ‘I thought I had coverage for that.’”

Under the prior, regulated system, insurance providers were required to apply specific surcharges for certain accidents and traffic violations. Now, insurance companies are permitted to develop their own rules, subject to state approval, for imposing surcharges for at-fault accidents and traffic violations.

They can also include a raft of incentives, such as bundling auto and home insurance when both policies are bought from the same carrier, offering multi-car discounts or AAA membership credits, or using disappearing deductibles to reward drivers for not having accidents over a long period of time.

Then there are away-from-home discounts for college students who are on their parents’ policies, yet spend much of the year away from home without access to the family car.

“A newly licensed driver can add $800 to $3,000 to a premium, depending on whether they have their own car or not,” Lussier said. “A good-student discount can take some bite off that, and then you can get a discount while they’re away at school. Some companies require you to be at least 100 miles away to give you the discount, some only 25.”

What parents should not do in that situation, Vassallo said, is take their child off the policy completely to save some money.

“You don’t want to do that — God forbid he gets in his roommate’s car and gets into an accident, and the roommate has minimal [coverage] limits, and now the family is looking at potential harm to their assets. Companies can give discounts for students who go off to college, but you should keep them on the policy. Even though they’re not a regular driver anymore, it still provides protection.”

Limited Thinking

One rule of thumb when it comes to liability and coverage, Lussier said, is to ask, ‘how much am I worth?’

“If I’ve got a house, a savings account, a 401(k), I have to protect that with bodily-injury [coverage], then $20,000 isn’t going to be good enough,” he told BusinessWest, noting that, often, the difference between coverage levels doesn’t translate to all that much in the annual premium. For instance, he asked, what if the difference between $100,000 and $300,000 is just $80 per year?

“Do you want to take a risk for 80 bucks a year? When an accident happens, we want to know that we had the discussion and that you’re OK with understanding the risk after considering your driving habits and where you drive and what you have to protect,” he explained. “You’re saving 80 bucks to have crappy limits. We can keep your crappy limits, but we want you to tell us that’s what you want.”

Joseph Bednar can be reached at [email protected]

This year the GBMP conference turns its focus on recognizing the re-emergence of Total Employee Involvement (TEI) as the key to unlocking the full benefits of Lean transformation. In the early days of Lean implementation, company involvement of all employees at all levels was identified as the keystone to Lean. TEI recognized the innate capabilities and desire of employees to always make things better.

But, in the early 90’s, as Lean tools were popularized, the focus on broad employee involvement diminished and was replaced by subject matter experts and swat teams. New jobs were created to concentrate the tasks of problem solving and improvement in the hands of just a small segment of employees. But now, organizations seeking to change their culture are recognizing that this must involve everyone.

The Northeast Lean Conference was created by the non-profit GBMP to provide information and inspiration to Lean practitioners – from those just starting out to seasoned Lean leaders from the manufacturing, healthcare, service and other vital industry sectors. ​The practical learning format features exceptional keynote and breakout presentations, interdepartmental panels, peer-to-peer discussions, hands-on simulations, interactive learning and sharing, and unlimited networking opportunities. Meet more than 500 passionate Lean, Six Sigma and Continuous Improvement professionals just like you.

Insurance

Shelter from the Storm

In the insurance world, an umbrella policy is exactly what it sounds like, sitting atop home, auto, and business insurance coverage and providing excess protection against liability risks. What is less clear, area insurance experts say, is why more people don’t avail themselves of this relatively inexpensive vehicle. After all, life’s storms can strike at any time, and when they do, no one wants to be totally exposed.

Even the best intentions can’t always fend off an expensive lawsuit, said John Dowd, president and CEO of the Dowd Agencies in Holyoke. Take a field trip, for example.

“If you or your spouse has volunteered to chaperone your kid’s school field trip to an amusement park, you both can be held legally responsible for anything that goes wrong on the trip,” he explained. “If a child under your care is injured during the excursion, that child’s parents might try to sue you for damages.”

Which could wind up being a trickier situation than simply loading that child into one’s own car and crashing it — because the driver’s auto-insurance policy covers bodily injury. But what about situations like that field trip — what policy covers that?

It’s just one example, Dowd said, of why an umbrella policy is a good idea for most people. “A personal umbrella policy can provide coverage for such potential incidents, allowing you to chaperone a trip without worrying about potential financial risks.”

An umbrella policy — sometimes referred to as ‘family insurance,’ he noted — essentially sits atop existing auto and homeowners policies to deliver an additional layer of protection, especially against catastrophic liability loss.

“I would like to see anybody who has any net worth — say, more than $100,000, which would include most homeowners these days — to have a personal umbrella,” said Mark Lussier, who co-owns Lussier Insurance in West Springfield.

“The idea behind a personal umbrella is, you want to cover your net worth. When I get a phone call from someone who says, ‘I have this umbrella, but I don’t really need it,’ I say, ‘if somebody were to sue you for everything you were worth, is what you have on your home or auto policy enough?’”

Dowd noted that the coverage from a personal umbrella policy is wide-reaching, providing protection for scenarios not covered by a typical home or auto policy. For instance, if a family member rents a snowmobile on vacation and is involved in an accident, the umbrella policy may help pay for the cost of repairs and medical bills of the injured parties.

Perhaps the most compelling aspect of an umbrella policy, Lussier said, is its cost — maybe $250 or $300 per year for $1 million in coverage, with additional coverage available beyond that, typically in increments of $1 million. “I have a couple of clients who’ve got $5 million umbrellas because their net worth justifies the extra cost.”

“The idea behind a personal umbrella is, you want to cover your net worth. When I get a phone call from someone who says, ‘I have this umbrella, but I don’t really need it,’ I say, ‘if somebody were to sue you for everything you were worth, is what you have on your home or auto policy enough?’”

That’s on top of legal defense fees, which insurers cover as part of any policy. “So, if the unimaginable happens and you’re called by Mark E. Salomone, you have peace of mind knowing your insurance is going to defend you as well as pay anything you’re legally responsible for.”

Mark Lussier

Mark Lussier says the inexpensive cost of a personal umbrella policy, coupled with the many scenarios it covers, present a strong argument for buying one.

In addition, the umbrella is worldwide coverage. “So you can be vacationing in Europe, and if someone is injured because of something you’re responsible for, your umbrella is going to respond,” Lussier said.

Bill Trudeau, president of the Insurance Center of New England in Agawam, said he draws a simple diagram to explain the umbrella concept to customers, with policies like home and auto represented by rectangles, and the umbrella hovering over all of them.

“You can imagine a multi-fatality accident, where the claims might easily surpass $1 million. If an accident is deemed your fault, you may run out of insurance,” he explained. “But if you’ve bought a $2 million umbrella to go on top of a $1 million policy, now you have $3 million in protection in that instance. It’s a policy for excess liability claims — product liability, premises liability, bodily injury, property damage, all kinds of claims. It’s one policy, and you can decide how much protection you want to buy.”

Surprising Circumstances

Lussier stressed that umbrella coverage isn’t technically coverage the policy holder doesn’t already have. “You can’t get umbrella unless you have the underlying policy.”

While some may ask why not just increase coverage on existing home and auto policies, he pointed to the broad nature of umbrella protection, and, again, its cost.

“Many times, to buy more coverage under the basic policy begins to beg the issue of why you shouldn’t have the umbrella. I can have a $1 million umbrella for three cars and two houses for $250 a year. So it’s cheap.”

In Massachusetts, Dowd explained, most umbrella policies provide coverage for the policy holder and their immediate family members living in the same household, with some exceptions. And he listed a few scenarios where that wide net may come in handy.

For example, “if a dog attacks a guest in your home, you may be responsible for any medical bills,” he explained. Even a small bite could end up costing thousands of dollars, and, while some homeowners insurance policies provide liability coverage for dog bites, they typically restrict what breeds are covered. “If your policy excludes your dog’s breed, umbrella insurance may help cover any financial responsibility you have for the incident.”

As another example, if a recently licensed teenager causes a multi-vehicle auto accident, the resulting financial liability could be expensive. “While a single-car accident likely won’t exhaust your auto-insurance policy, a multi-car accident might exceed the coverage,” he said. “Personal umbrella insurance can cover expenses beyond those covered in your auto policy.”

One hindrance to purchasing umbrella coverage, Lussier noted, is that the holder must first increase his or her automobile bodily-injury coverage to $250,000 — and that floor can rise to $500,000 for older drivers. “In some cases, especially with multiple cars, that can be unaffordable. People say, ‘I can’t allocate that risk transfer; I’d rather retain the risk myself and take my chances.’ And that’s really what insurance is all about — it’s a transfer of risk.”

Then there’s something called ‘personal-injury coverage,’ Lussier said, which is different from bodily injury, instead referring to libel, slander, false arrest, and defamation of character. And this has become a minefield in the age of social media.

“Many times, to buy more coverage under the basic policy begins to beg the issue of why you shouldn’t have the umbrella. I can have a $1 million umbrella for three cars and two houses for $250 a year. So it’s cheap.”

“Some people, especially teens, don’t fully comprehend the power of social media,” Dowd said. “If your child makes a disparaging remark or unsubstantiated claim about someone on social media, that person might try to sue for libel.”

An umbrella policy may provide coverage for such situations, with most policies extending coverage to online statements. “Aside from just physical damage, umbrella protection can provide financial assistance if you’re being sued for libel or slander.”

Lussier agreed that this is a significant issue in an era when everyone is quick with a camera, and when images, videos, and statements online can live forever.

“Depending on your means, you can find yourself liable for substantial sums,” he told BusinessWest. “Nowadays, something said innocuously or without much thought can be a big deal. It goes viral, and the next thing you know, you’re saying, ‘I didn’t really mean it the way it was taken, but if I’d have known it would go that far, I would’ve kept my mouth shut.’ And if you put it in writing, you can make it even worse.”

Cost of Doing Business

Clearly, personal umbrella policies cover a wide net of possibilities. But it can be tricky when they cross over into the business realm. Lussier cited the example of a photographer who closes his studio and moves his enterprise into his house. “Now his house is a business exposure, and an umbrella excludes business exposures.”

That’s where a business umbrella comes in, working in much the same way a personal umbrella does, but covering liability risks related to a business.

Bill Trudeau

Bill Trudeau says growing businesses should continually reassess what level of coverage they need from an umbrella policy.

“If you have a relationship with your broker, they’re likely to offer you umbrella liability,” Trudeau said of business owners. “If you’re doing a review of your insurance, it’s something almost any competent broker brings up. As your business grows, it would be part of the basics of insurance coverage.”

The nature of the business would impact the risk exposure and, hence, the level of coverage needed, he noted. While a $1 million umbrella might be fine for a storefront shoe store or florist, a business owner with a fleet of heavy trucks would likely need more.

“We’re hoping not to scare people, but we want them to make realistic choices,” he said. “And a lot of times, those choices are informed by some requirement from the place you’re doing business with, like a contractor taking on bigger jobs, like a casino or office tower or hotel chain. The risk managers for those entities tend to have a requirement for higher limits of liability. So, like it or not, if you want to play in that area and do business with these kinds of clients, you probably have to buy an umbrella of some sort.”

Fame is a factor, too, Lussier said — and often results in higher rates per million of coverage, because famous people are seen as bigger targets for lawsuits.

“If you’re a high-profile person, like a news anchor, you won’t get an inexpensive umbrella, because of the higher exposure,” he explained. “If we’re selling you cheap insurance, we’re basically gambling that you’re never going to use it. That’s really what insurance is all about. The most people participate for the least amount of risk, so we can then price it accordingly.”

In addition, the level of coverage should reflect not only one’s net worth, but future earning potential as well. A doctor who just graduated from medical school and plans a career in brain surgery might have little more than debt to show right now, but a lawsuit could put significant future earnings at risk.

In the end, Trudeau said, umbrella coverage can bring peace of mind in myriad scenarios.

“If something’s gone wrong in your business — someone went through a stop sign, something terrible happened, some member of the public is injured badly, and your company is sued for $5 million — you can take some comfort: ‘I bought insurance, and I’m able to pay what people wanted to negotiate without having to declare bankruptcy.’ It’s still awful, but you have that small comfort, as opposed to sitting there wondering what to do.”

Joseph Bednar can be reached at [email protected]

Insurance

Lines of Defense

While major data breaches at national companies justifiably make news, small businesses may not recognize that hackers target businesses of all sizes and types. But awareness is on the rise, especially as insurance companies hone their products aimed at protecting against cyber threats — and help clients understand that buying insurance is only one line of defense, and that complete protection requires in-house diligence, too.

When is cybercrime not cybercrime?

When it falls under the broad category of something called ‘social engineering,’ said Bill Trudeau, president and CEO of the Insurance Center of New England.

That term refers to a broad range of ways to manipulate people into giving up confidential information, or even money. It can include anything from phishing schemes to leaving a flash drive on the ground, hoping someone will find it and load it onto their computer out of curiosity, thereby installing malware on their company’s network.

Or say, Trudeau suggested, a CFO receives an e-mail he thinks is from the company CEO, reading, “we worked out a new deal with ABC Company. Wire them a $20,000 deposit; I’ll have full details when I return.”

“If they get your CFO to wire money to an unknown source, it’s not really theft because they did it voluntarily; it was a trick,” Trudeau said. More importantly, the loss would not be covered by typical cyber liability insurance, because it’s not technically a cybercrime, which involves the perpetrator physically hacking a network, not conning someone else into doing it. Instead, the client would need a fraud endorsement on its insurance policy.

“Social engineering is cropping up more, spreading like a pandemic,” Trudeau said. “Now, enough bookkeepers have been embarrassed or fired that, when they see an e-mail like this, they usually say, ‘wait, I’m not falling for this.’”

But the ones who do succumb to social engineering make it abundantly clear that, while cyber liability insurance is still an important part of a company’s defense against risk, just as important is a culture that trains employees in avoiding being conned.

“Social engineering is a relatively new term that refers to illegal fund transfer or diversion,” said John Dowd Jr., president of the Dowd Insurance Agency. “You can also unwittingly introduce a virus to a third party. This virus may have been put on your website by someone without you knowing it, and when people go onto your website, they get infected … and it’s your fault.”

That’s not to say cybercrime the way most people understand it — a hacker breaking in and exposing confidential data, for example — isn’t still a major problem, one that companies need to work with their insurance agents to cover. While historic breaches like Target in 2013, with 70 million customer records exposed, make headlines, the reality is that most breaches occur in businesses with 100 or fewer employees.

According to the latest report by Cybint Solutions, which provides cybersecurity education and training solutions to businesses and organizations, a hacker attack occurs every 39 seconds, affecting one in three Americans each year.

Bill Trudeau

Bill Trudeau says businesses need to take stock of exactly what data is at risk, and how damaging it would be to have it exposed, in order to craft a plan of defense.

In 2016, 95% of breached records came from three industries: government, retail, and technology. However, 64% of all companies have experienced web-based attacks, and 43% of cyberattacks targeted small businesses. Meanwhile, 62% experienced phishing and social-engineering attacks.

The threat is growing due to the increasingly interconnected nature of the world today, Cybint notes. According to a recent Symantec Internet Security threat report, there are 25 connected devices per 100 inhabitants in the U.S. By 2020, there will be roughly 200 billion connected devices.

The total cost for cybercrime committed globally has added up to $100 billion, Cybint adds. “Don’t think that all that money comes from hackers targeting corporations, banks, or wealthy celebrities,” the report notes. “Individual users like you and me are also targets. As long as you’re connected to the Internet, you can become a victim of cyberattacks.”

It’s concerning, the report notes, that only 38% of global organizations claim they are prepared to handle a sophisticated cyber attack.

“Many businesses, by and large, do not manage the threat as well as they should,” Dowd told BusinessWest. “This could be due to lack of understanding the true exposure and financial implications of a breach. Certain businesses have a greater exposure than others, but any business that stores personal information or uses a computer has the potential for a claim.”

Growing Costs

While the average cost for each lost or stolen record containing sensitive and confidential information increased 4.8% last year, to $148, according to IBM’s annual “Cost of a Data Breach” report, Trudeau said companies need to individually assess what they have at stake.

“You’ve got to look at this on a granular level,” he said. “What data do you have? What data-breach exposure do you have? Do you store information that’s a concern?”

The answer to that question could vary by quite a bit. “You might have blueprints or schematics, designs, but how critical is it? Some might shake their heads and say, ‘no one cares; it’s on the Internet, so it’s not top secret.’ But if a law firm’s files are stolen, there could be embarrassment and reputation risk. You have to decide what you’re trying to accomplish.”

Cyber liability coverage typically protects against a wide range of losses that businesses may suffer directly or cause to others, and these come in two forms: first-party and third-party losses. Third-party losses involve regulatory fines and lawsuits brought by affected customers, while first-party losses are what the business itself incurs up front, such as business-income loss, data-retrieval services, downtime, and notification of customers, to name a few.

The costs to businesses associated with a data breach, from lawsuits to regulatory fines to notification expense, can be staggering, Dowd noted, and insurance companies have responded with new policy forms that protect against many cyberthreats that customers may never have heard of.

“Policies today are much broader than they used to be out of necessity — the crooks keep coming up with unique ways to hack into your computers and steal information,” he said. “In some cases, they will charge you a ransom to return the information they stole from you. Insurance policies can cover all of the costs associated with a breach, including fines and penalties.”

When a data breach does occur, how a company responds up front — self-reporting to authorities and having a turn-key response — can reduce its liability. In fact, carriers that specialize in this type of coverage, like Beazley and Chubb, have turn-key response operations as part of the policy.

“Social engineering is cropping up more, spreading like a pandemic. Now, enough bookkeepers have been embarrassed or fired that, when they see an e-mail like this, they usually say, ‘wait, I’m not falling for this.’”

Immediately notifying victims and paying for identify-theft-prevention services can help avoid the liability costs that typically outweigh the first-party losses, Trudeau added. “You need liability coverage, but you hope you’ll never have to use that if you handle everything correctly with the victims.”

Businesses need to have not only insurance against cybercrime, but a plan of defense in case something does occur, Dowd said. “Virtually no one is immune from this danger. The laws on the books today are very strict with regard to protecting personal information, whether it is your clients or your employees.”

In response, according to the Cybint report, approximately $1 trillion is expected to be spent globally on cybersecurity from 2017 to 2021. Meanwhile, unfilled cybersecurity jobs worldwide will reach 3.5 million by 2021. Even now, more than 209,000 cybersecurity jobs in the U.S. are unfilled, and postings are up 74% over the past five year. Clearly, it’s a threat that isn’t expected to go away.

Eyes Wide Open

Employers can take a number of steps to prevent data theft, such as protecting every computer connected to the Internet or the internal network with anti-virus and anti-spyware software; installing security-software updates promptly to stay ahead of hackers; securing the company’s wi-fi network by requiring passwords or even configuring the wireless access point or router to hide the network name; securing computers and network components and requiring log-on passwords for all employees; and continually educating employees on security guidelines for computer, network, database, e-mail, and Internet usage, as well as penalties for violating those guidelines.

And, of course, training employees on how to spot a scam.

“It’s not a data breach when you fool someone into giving up data,” Trudeau said. “In the last few years, insurance providers have seen a striking increase in people voluntarily parting with their money. We need to make sure we’re having the right conversations.”

He said he’s heard of someone posing as a technician visiting a business, and asking to use the bathroom. Once out of sight, he ducks into the first empty cubicle he sees and inserts a flash drive onto a computer to upload malware.

“Certainly prevention is important. A lot of little things can happen,” he told BusinessWest. “Awareness is important, to stay fully ahead of all the shenanigans.”

Some cybersecurity-insurance carriers pose a long series of questions on their application forms about the details of a company’s exposure to data risk, and if the underwriter isn’t satisfied with the answers, they may not write the policy until certain practices have been changed and safeguards put in place. Companies may also choose to hire a third party to poke around their computer systems and challenge their operations when necessary.

“Prevention is critical because the fallout from a breach is not limited to out-of-pocket expense,” Dowd said. “You can also lose clients and sales.”

Indeed, according to an Economist Intelligence Unit consumer survey conducted in 2013, 18% of respondents had been a victim of a data breach, and, of those individuals, 38% said they no longer did business with the organization because of the breach. Meanwhile, 46% said they advised friends and family to be careful of sharing data with the breached company.

“Having a good IT firm who knows how to protect your system on an ongoing basis is critical,” Dowd continued. “Going through the application-for-coverage process is very helpful and often eye-opening because it reveals what you may or may not be doing correctly from a prevention standpoint. I will often suggest to clients that they go through the process of applying in order to educate themselves, even if they ultimately choose not to buy the insurance policy.”

After all, the best policy against becoming a victim is knowledge and vigilance. But an actual insurance policy is a good idea, too.

Joseph Bednar can be reached at [email protected]

Insurance Sections

Matters of Policy

Regina Jasak says local agents can help consumers avoid some “really scary policies.”

Regina Jasak says local agents can help consumers avoid some “really scary policies.”

When Massachusetts opened up its auto-insurance landscape in 2008, switching from a one-price-fits-all approach to the current model known as managed competition, it created more challenges for independent agents, but much more opportunity for customers willing to take the time to examine the many options and credits available to them. The key, these agents say, is putting their expertise to use — a resource not available to those purchasing insurance from direct writers online.

Eileen Bresnahan is always amazed at what people will do for a low insurance rate — like one individual who was covered for $5,000 in property damage for his 2017 Camry.

“If I hit you and do $17,000 worth of damage, my company is going to pay you the five grand, and you’re going to have to try to get the rest out of me,” she said, putting herself in that individual’s shoes for a moment. But such is the world of direct insurance writers — like Progressive and Geico — that market themselves based mainly on price, and wind up skimping on, you know, actual coverage.

“We always say ‘buyer beware,’” Bresnahan, president of Bresnahan Insurance Agency in Holyoke, said of local independent insurance agencies like her own. “We’re all licensed and trained; we can look at a policy and can tell you the things you might not know.”

Regina Jasak, president of Regina Jasak Insurance in Ludlow, has seen the same cases cross her desk.

“Anything you might hit — a guardrail, a car, a house — after that $5,000, you’ll be paying for it as well. You can get a really cheap policy, but you get what you pay for. I’ve seen some really scary policies out there from the direct writers.”

The truth, she added, is that customers can get policies for not much more than the bare-bones pricing of the online marketers, but with much better coverage, explained in detail, simply because of the flexibility Massachusetts insurers have enjoyed over the past decade — flexibility that, for the most part, didn’t exist before.

Indeed, for much of the past century, auto-insurance rates in Massachusetts were set by the state Division of Insurance. Anyone who requested a premium quote for a certain level of coverage would receive the same price from any number of companies, unless they were eligible for a group discount.

Managed competition, which began in 2008, allows insurance companies to offer their own rates. Although these rates may vary, they must still be approved by the Division of Insurance — hence the term ‘managed.’ The result is that Massachusetts drivers are able to compare the different rates, benefits, and services offered by the insurance companies competing for their business.

“There’s a lot of flexibility in auto rates and coverages, and it really needs to be tailored to each client,” Jasak said. “Each company has its own appetites, so we really need to delve into the client to figure out what’s best for them in order to find the best company at the best rates.”

That changed landscape made life more complicated for local agents, but in a good way, Jasak added.

“I find it more entertaining. It used to be that auto insurance was auto insurance, and it didn’t really matter where you were insured, whereas now the consumer can consider things like the company’s billing process, how claims are settled, are their rates good for my circumstances, do they offer me a great bundle option tying the house and car together? Is that the best thing to do, or can I get a better rate if I split things apart?”

Shifting Gears

Trish Vassallo, personal and commercial lines director at Encharter Insurance in Amherst, agreed that managed competition has radically changed the automotive side of the insurance business in Massachusetts.

Trish Vassallo (left, with Tracey Benison) says customers should review their policy every year to make sure they’re taking advantage of all the credits available to them.

Trish Vassallo (left, with Tracey Benison) says customers should review their policy every year to make sure they’re taking advantage of all the credits available to them.

“Carriers have been able to offer add-ons and packages and rider endorsements and enhancements that are specialized per carrier,” she said, “so while the Geicos and Progressives talk about accident forgiveness and gap coverages and reward dollars, those are available with everyone operating in Massachusetts today. Independent agents offer these coverages, but they are an added expense, as they would be with any carrier. As a client, you need to look at your coverage every year to make sure you’re getting the right pricing for the right products.”

That’s where independent agents serve a role the direct writers online cannot, she went on. “Sometimes people aren’t aware of options available or never had them explained to them, or they just don’t care — they want the bottom-line price and don’t understand what they’re missing out on.”

Under the prior, regulated system, insurance providers were required to apply specific surcharges for certain accidents and traffic violations. Now, insurance companies are permitted to develop their own rules, subject to state approval, for imposing surcharges for at-fault accidents and traffic violations.

They can also include a raft of discounts, such as for students who attend school away from home, making it easier for their parents to carry them on their policies year-round, or for bundling auto and home insurance when both policies are bought from the same carrier.

“Different carriers all have their own model customers,” said Tracey Benison, president of Encharter Insurance. “Our job is to really know the carriers and try to find the right fit for the customer.”

For example, Jasak said, some carriers will look back at driving records over three years, some six, and they also vary in how they incorporate accidents — both at-fault and not at-fault — into their pricing.

Then there are the credits, and they are myriad, Bresnahan said. “There are good-student discounts, so if a student gets a 3.0 GPA or higher, that’s one of the credits on there. Let me tell you, it is a big savings — and it’s an incentive to get good grades, and it also pertains to college.”

She also mentioned the discount for students away at college, as well as low-mileage discounts, which can knock anywhere from 2% to 17% off the cost of a policy. “Just think — the lower the mileage you drive, the less chances there are of getting in an accident or having a moving violation.”

From left, Shelly Chantre, Judy Orlen, Nicole Shibley, Janet Fernandez-Santiago, and Eileen Bresnahan of Bresnahan Insurance.

From left, Shelly Chantre, Judy Orlen, Nicole Shibley, Janet Fernandez-Santiago, and Eileen Bresnahan of Bresnahan Insurance.

Carriers may also offer multi-car discounts, a AAA membership credit — with the discount increasing the longer a customer has been a member — and a discount for individuals who enroll in an advanced driver training course. “There’s also a disappearing deductible that wasn’t in effect before either, so if you don’t have an accident for a certain number of years, each year your deductible builds up.”

With each carrier using such incentives to attract their own version of a model customer, agents need to understand all the nuances and how best to match a driver with a policy, Bresnahan added.

“It’s just training your staff to know which credits to offer,” she said. “We have letters go out with renewals, and we highlight discounts and enhancements they currently have and other ones they don’t, and they can call if they’re interested in knowing more about those.”

More Than 15 Minutes

The direct writers have certainly made an impact on Massachusetts auto-insurance scene, but they’ve also brought some controversy, being fined multiple times by the state’s Division of Insurance for various deceptive or confusing practices.

“Some of the direct writers are very coy with prices or hidden deductibles, which the customer is not aware of until a loss comes into play,” Vassallo said. “It can be difficult to understand your coverage when you’re buying off the rack.”

The benefit of an independent agent representing multiple carriers, she said, is that she can work to generate the best product for each individual — and educate customers on various pitfalls, such as the importance of listing all household members as operators, as failure to do so can lead to a claim not being paid.

“It’s very, very important that parents list their children on their auto-insurance policy as soon they get their license,” Jasak added. “If they have no prior insurance, it’ll be very expensive when they need it. Parents say, ‘oh, they never drive my car,’ but if they kids are never insured, if they’re never listed on their parents’ policy, they’ll be paying an exorbitant amount of money when they get their own insurance.”

It’s all about relationships, Bresnahan said, not just a bottom-line dollar figure on a computer screen.

“When you’re a local, independent agent, you have to look people in the eye. With these direct writers, you’re not looking that gecko in the eye,” she said, noting that she has lost clients to the online companies dangling a cheaper rate. “Buyer beware. If it’s too good to be true, there’s usually something up.”

And also beware, she said, when a direct writer promises to produce a quote in 15 minutes.

“We educate our personnel, and we keep up with the changes in this business — because it’s forever changing. There’s so much information that it’s not possible to get a quote in 15 minutes. You’re not getting proper explanation of the coverage. There’s so much involved in getting a quote. It takes a long time.”

Joseph Bednar can be reached at [email protected]

Opinion

Opinion

By Bob Rio

A shortage of natural-gas capacity during the December-January cold snap added $1.7 billion to the electric bills of business and residential customers in New England while erasing all the environmental benefits from solar energy in Massachusetts during 2017.

Now you know why Massachusetts employers support the idea of expanding natural-gas infrastructure in the region.

New data released this month by the Massachusetts Coalition for Sustainable Energy (MCSE) and compiled by Concentric Energy Advisors underscores the economic and environmental damage wrought by our energy status quo.

Natural-gas supplies in the region are tight during the winter. Despite abundant supplies just a few states away, pipeline infrastructure to get it here is inadequate, and efforts to address this issue have been stymied by those who believe upgrading our natural-gas infrastructure will stall progress on transitioning to clean energy.

Electricity generators simply don’t have enough natural gas to operate during the bitter cold because most of the available gas is used to serve businesses and homeowners.

To satisfy the increased demand for electricity, power plants burn stored backup oil and coal. The lights stay on, but greenhouse-gas emissions increase exponentially since oil and coal emit more carbon than natural gas. The cold-weather shortage of natural gas has become so common in recent winters that power generators are paid to store oil, whether or not it is needed, as sort of an insurance policy funded by ratepayers through higher electric rates.

According to the Concentric report, the amount of coal and oil burned during just a two-week period generated 1.3 million tons of extra greenhouse-gas emissions over what would have been emitted if gas had been available. The ratepayer cost was $1.7 billion higher than the previous winter — most of which will show up in next winter’s energy bills. In fact, Eversource recently sought a 15% increase in electric rates for customers in Western Mass. for the period July through December.

How much is 1.3 million tons? The extra greenhouse gases negated all the greenhouse-gas savings from all the solar energy produced in Massachusetts throughout 2017. It’s a problem that cannot be solved by adding more solar capacity, since the highest need for natural gas is in the winter, when solar output is at its lowest.

Had the cold period continued (or if another came later in the year), brownouts would likely had occurred. ISO-NE, the regional power-grid operator, reports that the system was about three days away from crashing, as some plants were running out of oil and had to curtail their output.

This dangerous mix of rising costs, rising emissions, and potential brownouts comes at a time when other states are dangling low energy costs in front of Massachusetts employers to persuade those companies to expand elsewhere. It’s not a tough sell — our energy costs are nearly double those of states in other regions of the country.

Associated Industries of Massachusetts, along with other members of the Coalition for Sustainable Energy, support a balanced approach to address the region’s energy problems. That approach embraces renewables — AIM has supported the development of both hydro power and offshore wind — while at the same time acknowledging the stresses on our current system and the economic and environmental damage that is occurring.

Bob Rio is AIM’s senior vice president, Government Affairs.

Business Management Sections

Bridging the Gap

Brett Gearing says some of the region’s best business ideas come from people who don’t consider their idea a business, but the Alchemy Fund is trying to change that.

Brett Gearing says some of the region’s best business ideas come from people who don’t consider their idea a business, but the Alchemy Fund is trying to change that.

Alchemy is a term that dates back to medieval science — specifically, the effort to convert raw materials into gold.

It was a fruitless attempt, of course. But the four partners at the Alchemy Fund have a similar idea, one with far more potential.

Their idea is to spin ideas into — well, not gold, exactly, but profitable businesses.

Last summer, Brett Gearing, Randy Krotowski, Kevin Sanborn, and Chris Sims had an idea for a different kind of model for cultivating startup businesses. “We spent a lot of time fleshing out the objective and plan, to see if the model would actually work, and most of that entailed going to universities, meeting the academics, faculty, and staff, and saying, ‘hey, what do you have in here that’s interesting?’” Gearing told BusinessWest.

“They were more than willing to show us their research, what they spend their whole lives working on, and some of them recognized there might be commercial opportunities — but a lot of them didn’t realize it; they were busy focusing on the research.”

Those conversations convinced the four partners that the Pioneer Valley has no shortage of promising ideas sitting in labs and classrooms which, with some support — funding, advisory services, business acumen, and staffing — could become viable companies. “That was our first checkbox — there are plenty of good ideas in the area,” said Gearing.

In short, he explained, the Alchemy Fund aims to create new ventures from ideas cooked up at universities and health systems, among other sources. The team will search out these technologies and concepts, identify product and market applications, recruit founding teams, provide seed funding, handle back-office services, and coach the new company along.

“We named this product Alchemy because of how it transforms its raw materials,” Gearing explained. “Our typical starting point is an underappreciated lab technique, an industry problem whose time has come, or an existing startup team targeting the wrong market.”

The first burst of fund-raising has amassed about $1 million, and Alchemy made its first project investment, in a screening mechanism for diabetes originated at Western New England University. “We think the opportunity to bring that company to a viable business is really great, given the market size and all the attention to diabetes,” said Gearing.

Certainly, the startup and venture-capital culture are nothing new to Western Mass., and neither is medical or technological innovation, thanks to a knot of notable colleges, universities, health systems, IT firms, and precision manufacturers. However, while traditional venture-capital enterprises have startups knocking on their door, Alchemy believes some of the best ideas are being developed by people who may not be thinking about marketability — but should.

“And there are plenty of both opportunities and money here, and many ideas haven’t really spun out as ventures yet,” Gearing told BusinessWest. “We started by focusing on academia, but we’ve evolved, and we’re looking at both academia and healthcare systems. That’s where we are now, and so far, so good.”

Common Ground

The four Alchemy partners have backgrounds ranging from institutional investment to venture capital to health and wellness, and met through the region’s robust startup ecosystem, Gearing said.

“We realized there was a lot of talent in this area, and we wanted to do something in the Valley for the Valley, and thought our skill sets would work well together — and so far they have,” he went on. “If we find we need a specific skill set we don’t have, our model is flexible enough that we can bring an expert in.”

The team has explored about 25 potential opportunities in fields like polymer science, engineering, computer science, wearables, and healthcare, and is looking closely at a handful of those.

“My partners and I will kick the tires on each idea and try to get a sense of what the market looks like, how much money it takes to bring it to market, and whether we have the right skills to get it to that point,” he explained. Often, it’s a challenge simply to convince the purveyor of a good idea to take the idea to market.

“Sometimes the person doing this research is a chief data scientist or polymer scientist or engineer who might not even want to run a business because they don’t have the time. Or they might be a tenured professor and have a great gig, and absolutely love what they’re doing. So we come in and say, ‘we love your idea; we think we can make a business out of this.’”

Gearing expects the idea originator to come on board, in most cases, as a chief scientist or engineer to help move the research forward, and Alchemy will surround him with a team with the business acumen to help bring that idea to fruition.

“Once there’s a commitment there, our goal is to bring it to a stable state and then hire a CEO, COO, and help with back-office services like accounting, bookkeeping, and fundraising. That’s important because, when I look at startups, they spend a lot of time pitching their idea, raising funds, and educating people on what they’re trying to do, and less time working on the actual business. So we’ll handle a lot of that.”

To be successful, he added, Alchemy’s partners are essentially drawing on their experience and cobbling together elements of already-successful models. “We can say, ‘I know this works,’ or ‘I know this is troublesome because of XYZ.’ We’re still honing the model, but I think we’re really onto something.”

The money raised from investors will pay for a number of expenses, he noted, depending on the project. In the case of the diabetes project, because it’s in the medical space, some money might be spent on clinical trials.

“We’ll also certainly try to source a CEO in the first six months, and help build a team around them. Every scenario is different. It might be product development, it might be testing, it might be branding or marketing, and it might be a whole combination of these things.”

The goal, he emphasized again, is to spin off successful, independent companies that can grow in the region. “Ideally, we’ll bring them through several levels of funding until the real money comes in. That’s our goal — to get them to revenue as soon as we can and get them to stand up on their own.”

Working in Concert

Gearing, who has also taught at Elms College and serves on its entrepreneurial leadership board, understands the potential bubbling under the surface at the area’s many institutions of higher learning, and he’s familiar with the expansive network of entrepreneurial support across the region, from Valley Venture Mentors to TechSpring to the venture-capital community.

“I think it all needs to work together in concert, and that’s where we fit in,” he told BusinessWest. “There’s an opportunity for all of us to fit together and work together collaboratively. Through this network, we’re able to find people to help ideas along. If I need someone in the insurance space or whatever the case may be, people are more willing to open up their doors and support what we’re trying to do. And once we have proven this model works, I think it only gets easier.”

While the Alchemy Fund has been operating under the radar in many ways, even while looking for investors, he added, it’s time to take the profile to a higher place. “We wanted to make sure all the pieces fit together well, and now we have a story to tell.”

A story that’s only beginning.

Joseph Bednar can be reached at [email protected]

Departments Real Estate

The following real estate transactions (latest available) were compiled by Banker & Tradesman and are published as they were received. Only transactions exceeding $115,000 are listed. Buyer and seller fields contain only the first name listed on the deed.

FRANKLIN COUNTY

ASHFIELD

297 Cummington Road
Ashfield, MA 01330
Amount: $309,075
Buyer: Liza Cassidy-Jeswald
Seller: Beverly Pearcy-Chow
Date: 04/12/18

DEERFIELD

Merrigan Way
Deerfield, MA 01342
Amount: $357,280
Buyer: New England Natural Bakers
Seller: Town Of Deerfield
Date: 04/17/18

ERVING

18 Central St.
Erving, MA 01344
Amount: $151,000
Buyer: Phyllis H. Radcliff
Seller: Deborah J. Verdery
Date: 04/19/18

GREENFIELD

52 Allen St.
Greenfield, MA 01301
Amount: $150,000
Buyer: Ahren B. Fitzroy
Seller: Toth, Joyce K., (Estate)
Date: 04/10/18

135 Harrison Ave.
Greenfield, MA 01301
Amount: $176,000
Buyer: Joseph Gamache
Seller: Timothy M. Dunn
Date: 04/19/18

9 Pine St.
Greenfield, MA 01301
Amount: $223,000
Buyer: Caitlin C. Miller
Seller: Mindy T. Thach
Date: 04/13/18

MONTAGUE

6 Edward Ave.
Montague, MA 01376
Amount: $180,000
Buyer: John J. Linscott
Seller: Pamela Madera
Date: 04/13/18

25 Turners Falls Road
Montague, MA 01376
Amount: $165,000
Buyer: Megan A. Atherton
Seller: Jamie L. Poremba
Date: 04/20/18

NORTHFIELD

217-K Adams Road
Northfield, MA 01360
Amount: $187,752
Buyer: Wilmington Savings
Seller: Jared A. Sedgley
Date: 04/10/18

175 Millers Falls Road
Northfield, MA 01360
Amount: $120,500
Buyer: Vida M. Cripps
Seller: Scott D. Wolfram
Date: 04/17/18

781 Millers Falls Road
Northfield, MA 01354
Amount: $131,600
Buyer: Mass Rural Water Association Inc.
Seller: Community Bible Church
Date: 04/12/18

907 Millers Falls Road
Northfield, MA 01360
Amount: $240,000
Buyer: Breeana L. Llewelyn
Seller: Elizabeth W. Karlson
Date: 04/12/18

ORANGE

21 Meadow Lane
Orange, MA 01364
Amount: $200,000
Buyer: Justin Laroche
Seller: Mark E. Burdzy
Date: 04/13/18

310 Walnut Hill Road
Orange, MA 01364
Amount: $179,000
Buyer: Kelsie M. Bardsley
Seller: KDMK LLC
Date: 04/13/18

SHUTESBURY

51 Shore Dr.
Shutesbury, MA 01072
Amount: $285,000
Buyer: Dean W. Carey
Seller: Paul Beaulieu
Date: 04/11/18

WHATELY

251 Long Plain Road
Whately, MA 01093
Amount: $309,000
Buyer: David L. Boardman
Seller: Heidi Lohr
Date: 04/17/18

HAMPDEN COUNTY

AGAWAM

Barry St.
Agawam, MA 01001
Amount: $500,000
Buyer: Vincent Land Holdings Inc.
Seller: Koguts Hemlock Hill Tree
Date: 04/20/18

111 Clover Hill Dr.
Agawam, MA 01030
Amount: $123,000
Buyer: Felix Decesare
Seller: Grus, Edward J., (Estate)
Date: 04/12/18

112-114 Cooley St.
Agawam, MA 01001
Amount: $250,000
Buyer: Thomas R. Mills
Seller: Liberato Management Co.
Date: 04/20/18

41 Federal St.
Agawam, MA 01001
Amount: $217,000
Buyer: Oak Ridge Custom Home Builders
Seller: Tirone Development Corp.
Date: 04/13/18

83 Federal St.
Agawam, MA 01001
Amount: $217,000
Buyer: Oak Ridge Custom Home Buildrs
Seller: Tirone Development Corp.
Date: 04/13/18

63 High St.
Agawam, MA 01001
Amount: $334,000
Buyer: Alexander Panchelyuga
Seller: Pavel Kuzmenko
Date: 04/18/18

56 Lealand Ave.
Agawam, MA 01001
Amount: $188,120
Buyer: US Bank
Seller: Heather Grady
Date: 04/19/18

6-8 Mark Dr.
Agawam, MA 01001
Amount: $410,000
Buyer: Donna Wagner
Seller: Langone Realty Corp.
Date: 04/13/18

132 Meadowbrook Road
Agawam, MA 01001
Amount: $271,000
Buyer: Olga Ortiz
Seller: Nina V. Tsukanova
Date: 04/19/18

280 North St.
Agawam, MA 01030
Amount: $198,000
Buyer: Melissa B. Grant
Seller: Steven Fraga
Date: 04/20/18

13 Pheasant Run Circle
Agawam, MA 01030
Amount: $273,124
Buyer: US Bank
Seller: Tammy J. Buoniconti
Date: 04/10/18

Pine St.
Agawam, MA 01001
Amount: $500,000
Buyer: Vincent Land Holdings Inc.
Seller: Koguts Hemlock Hill Tree
Date: 04/20/18

28 Robin Ridge Dr.
Agawam, MA 01030
Amount: $250,000
Buyer: Mark Ledwell
Seller: Wayne C. Asselin
Date: 04/12/18

176 Rowley St.
Agawam, MA 01001
Amount: $212,500
Buyer: Joseph P. Cotter
Seller: Albert J. Grimaldi
Date: 04/09/18

168 Valley Brook Road
Agawam, MA 01030
Amount: $281,000
Buyer: Erik G. Sudnick
Seller: Chelsea Lafontaine
Date: 04/18/18

BRIMFIELD

95 Cubles Dr.
Brimfield, MA 01010
Amount: $260,000
Buyer: Michael L. Donahue
Seller: James A. Phillips
Date: 04/19/18

201 Dunhamtown Palmer Road
Brimfield, MA 01010
Amount: $245,000
Buyer: Kayla Desmarais
Seller: Richard J. Lunden
Date: 04/13/18

155 Warren Road
Brimfield, MA 01010
Amount: $256,005
Buyer: William J. Waterman
Seller: Michael D. Plouffe
Date: 04/12/18

CHICOPEE

7 Ann St.
Chicopee, MA 01020
Amount: $150,000
Buyer: Kyle E. Mrozinski
Seller: Fredrick D. Goehring
Date: 04/20/18

132 Carew St.
Chicopee, MA 01020
Amount: $175,900
Buyer: Brad Rzewnicki
Seller: AEM Property Investment
Date: 04/20/18

111 Casino Ave.
Chicopee, MA 01013
Amount: $130,000
Buyer: Ian G. Stock
Seller: Miguel Rodriguez
Date: 04/20/18

104 Catherine St.
Chicopee, MA 01013
Amount: $124,000
Buyer: Michelle Hernandez
Seller: FHLM
Date: 04/20/18

77 Cyman Dr.
Chicopee, MA 01013
Amount: $203,500
Buyer: Chester A. Green
Seller: Lisa A. Bessette
Date: 04/17/18

22 Dawn St.
Chicopee, MA 01020
Amount: $250,000
Buyer: James R. Bergeron
Seller: Moore, Janet M., (Estate)
Date: 04/18/18

72 Dresser Ave.
Chicopee, MA 01013
Amount: $178,500
Buyer: Robyn Michaud
Seller: Darlene A. Lemiech
Date: 04/13/18

5 Guyotte Ave.
Chicopee, MA 01020
Amount: $130,000
Buyer: Donald Pare
Seller: Michael O’Leary
Date: 04/18/18

46 Lafayette St.
Chicopee, MA 01020
Amount: $170,000
Buyer: Norma M. Streciwilk
Seller: Richard R. Paul
Date: 04/11/18

767 McKinstry Ave.
Chicopee, MA 01020
Amount: $134,233
Buyer: Pennymac Corp.
Seller: Susan Flowers
Date: 04/18/18

250 Moore St.
Chicopee, MA 01013
Amount: $193,100
Buyer: Johanna Graybill-Bliss
Seller: Brian Lynch
Date: 04/13/18

202 Old Lyman Road
Chicopee, MA 01020
Amount: $225,000
Buyer: Norman R. Langlois
Seller: Casey A. Breault
Date: 04/20/18

184 Rimmon Ave.
Chicopee, MA 01013
Amount: $205,000
Buyer: Kevin S. Dion
Seller: Mark A. Abel
Date: 04/18/18

20 Sullivan St.
Chicopee, MA 01020
Amount: $185,000
Buyer: Luc A. Roux
Seller: Seth A. Clapp
Date: 04/12/18

1565 Westover Road
Chicopee, MA 01020
Amount: $173,000
Buyer: Migdalia Rodriguez
Seller: Fernando A. Alejandro
Date: 04/19/18

EAST LONGMEADOW

15 Corning St.
East Longmeadow, MA 01108
Amount: $260,000
Buyer: Pamela L. Rutherford
Seller: Francesca Cataldo
Date: 04/17/18

31 Donamor Lane
East Longmeadow, MA 01028
Amount: $235,000
Buyer: Alessandra A. Graziani
Seller: Benjamin Wertheim
Date: 04/20/18

296 Elm St.
East Longmeadow, MA 01028
Amount: $205,218
Buyer: Debra M. Rico
Seller: Hugh K. Martin
Date: 04/12/18

155 Kibbe Road
East Longmeadow, MA 01028
Amount: $127,000
Buyer: Gina Daniele
Seller: Tara A. Dunphy
Date: 04/18/18

162 Pease Road
East Longmeadow, MA 01028
Amount: $325,000
Buyer: Jeffrey S. Morneau
Seller: Carmax Auto Superstores
Date: 04/19/18

26 Woodlawn St.
East Longmeadow, MA 01028
Amount: $329,900
Buyer: Patrick A. Gorham
Seller: Moltenbrey Builders LLC
Date: 04/20/18

75 Waterman Ave.
East Longmeadow, MA 01028
Amount: $285,000
Buyer: Dinh Le
Seller: Debra J. Santaniello
Date: 04/12/18

GRANVILLE

151 Granville Road
Granville, MA 01077
Amount: $231,000
Buyer: Krista Lippert
Seller: Brian Banta
Date: 04/19/18

HAMPDEN

56 Allen Crest St.
Hampden, MA 01036
Amount: $200,000
Buyer: Kimberly A. Staback
Seller: Mark D. Shumway
Date: 04/09/18

19 Echo Valley Dr.
Hampden, MA 01036
Amount: $247,900
Buyer: Susan E. Santos
Seller: Nathaniel S. Anderson
Date: 04/13/18

300 Glendale Road
Hampden, MA 01036
Amount: $310,000
Buyer: Timothy Miller
Seller: Timothy B. Shumway
Date: 04/13/18

15 Greenleaf Dr.
Hampden, MA 01036
Amount: $319,500
Buyer: John T. Dayton
Seller: George J. Semanie
Date: 04/12/18

46 Mountainview Dr.
Hampden, MA 01036
Amount: $185,000
Buyer: Warren Spears
Seller: PD Developments LLC
Date: 04/19/18

14 Raymond Dr.
Hampden, MA 01036
Amount: $157,500
Buyer: James Dirico
Seller: FNMA
Date: 04/20/18

311 Wilbraham Road
Hampden, MA 01036
Amount: $138,000
Buyer: KC 260 Main Street LLC
Seller: Wilson Wong
Date: 04/13/18

HOLLAND

45 Sandy Beach Road
Holland, MA 01521
Amount: $220,000
Buyer: Andrew Thibeault
Seller: Joseph E. Landry
Date: 04/10/18

HOLYOKE

55 Belvidere Ave.
Holyoke, MA 01040
Amount: $131,000
Buyer: Jeffrey Wohlers
Seller: Behyar Roohi
Date: 04/17/18

15 Central Park Dr.
Holyoke, MA 01040
Amount: $210,100
Buyer: Paul Healy
Seller: John F. Tobin
Date: 04/20/18

69 Cleveland St.
Holyoke, MA 01040
Amount: $374,900
Buyer: Michael J. Szawlowski
Seller: Charlotte C. Lussier
Date: 04/17/18

1475 Dwight St.
Holyoke, MA 01040
Amount: $297,621
Buyer: Dwight Parker LLC
Seller: Yvon L. Leduc
Date: 04/13/18

701 Kelly Way
Holyoke, MA 01040
Amount: $2,250,000
Buyer: 701 Kelly Holyoke LLC
Seller: KWHP LLC
Date: 04/10/18

40 Lexington Ave.
Holyoke, MA 01040
Amount: $405,000
Buyer: Justin C. Niles
Seller: Mark D. Watts
Date: 04/19/18

75 Lexington Ave.
Holyoke, MA 01040
Amount: $449,000
Buyer: Brad Tuttle
Seller: Aaron G. Earls
Date: 04/13/18

75 Merrick Ave.
Holyoke, MA 01040
Amount: $178,000
Buyer: Amy Calandrella
Seller: Joseph Judge
Date: 04/20/18

251 Michigan Ave.
Holyoke, MA 01040
Amount: $210,000
Buyer: Patrick T. Noonan
Seller: R&H Roofing LLP
Date: 04/17/18

61 Norwood Terrace
Holyoke, MA 01040
Amount: $209,900
Buyer: Nathan M. Hammond
Seller: Sandra E. Blaney
Date: 04/18/18

31 Sheehan Dr.
Holyoke, MA 01040
Amount: $185,000
Buyer: William D. Molina
Seller: Patrick T. Noonan
Date: 04/17/18

417 Southampton Road
Holyoke, MA 01040
Amount: $207,500
Buyer: Jeffrey Kent
Seller: Brendan Fuller
Date: 04/17/18

1 Wayne Court
Holyoke, MA 01040
Amount: $224,900
Buyer: Patrick S. Burke
Seller: Trent Rivers
Date: 04/12/18

LONGMEADOW

104 Barclay St.
Longmeadow, MA 01106
Amount: $151,000
Buyer: CIG 2 LLC
Seller: Jinyoung Seo
Date: 04/11/18

37 Birnie Road
Longmeadow, MA 01106
Amount: $610,000
Buyer: Joseph M. Thompson
Seller: Craig E. Collins
Date: 04/18/18

242 Burbank Road
Longmeadow, MA 01106
Amount: $170,000
Buyer: CIG 2 LLC
Seller: Bruce F. Gregori
Date: 04/12/18

64 Edgewood Ave.
Longmeadow, MA 01106
Amount: $274,900
Buyer: Max R. Mullen
Seller: Kelly A. Brown
Date: 04/17/18

37 Meadow Road
Longmeadow, MA 01106
Amount: $155,000
Buyer: Mary L. Wilson
Seller: Sandra A. Samol
Date: 04/17/18

21 Meadowlark Dr.
Longmeadow, MA 01106
Amount: $215,150
Buyer: David Chapdelaine
Seller: Nationstar REO Sub 1B LLC
Date: 04/18/18

41 Northfield Road
Longmeadow, MA 01106
Amount: $615,000
Buyer: Matthew W. Jacobs
Seller: Teresa A. Anderson
Date: 04/13/18

15 Pinelawn Road
Longmeadow, MA 01106
Amount: $191,500
Buyer: Theresa Roberts
Seller: Onyx Investments LLC
Date: 04/20/18

LUDLOW

61 Bramucci St.
Ludlow, MA 01056
Amount: $230,000
Buyer: Nicole L. Roy
Seller: Gillian M. Roy
Date: 04/18/18

1680 Center St.
Ludlow, MA 01056
Amount: $235,000
Buyer: Cynthia A. Hunter
Seller: Keem LLC
Date: 04/20/18

39 Cypress St.
Ludlow, MA 01056
Amount: $206,000
Buyer: Andrew Fenton
Seller: Erica Serrazina
Date: 04/18/18

57 Kirkland Ave.
Ludlow, MA 01056
Amount: $199,000
Buyer: Danielle M. Marshall
Seller: Kathleen D. Goller
Date: 04/13/18

25 Lazarz St.
Ludlow, MA 01056
Amount: $166,000
Buyer: Jonathan Iwasinski
Seller: Lucille P. Hertz
Date: 04/13/18

530 Lyon St.
Ludlow, MA 01056
Amount: $362,000
Buyer: Sean T. Noonan
Seller: Christine Ribeiro
Date: 04/19/18

183 Reynolds St.
Ludlow, MA 01056
Amount: $151,700
Buyer: Wells Fargo Bank
Seller: Diane R. DosSantos
Date: 04/19/18

MONSON

Bumstead Road #15
Monson, MA 01057
Amount: $150,000
Buyer: John Rahkonen
Seller: Stella Furgal RT
Date: 04/13/18

Bumstead Road #16
Monson, MA 01057
Amount: $150,000
Buyer: John Rahkonen
Seller: Stella Furgal RT
Date: 04/13/18

198 Town Farm Road
Monson, MA 01057
Amount: $355,000
Buyer: Joshua J. Gagnon
Seller: Craig M. Szado
Date: 04/20/18

PALMER

10 Alden St.
Palmer, MA 01069
Amount: $205,000
Buyer: Joshua A. Pelski
Seller: Ryan R. Lavoie
Date: 04/20/18

88 Longview St.
Palmer, MA 01069
Amount: $188,000
Buyer: Kevin M. Robbins
Seller: Jamy J. Gagnon
Date: 04/20/18

20 Norma St.
Palmer, MA 01069
Amount: $175,000
Buyer: Diane E. Outhuse
Seller: Frederick H. Glanville
Date: 04/13/18

SOUTHWICK

15 Beach Road
Southwick, MA 01077
Amount: $165,000
Buyer: Vicki Burnham
Seller: P. Baiardi-Kantorski
Date: 04/20/18

16 Fenton Dr.
Southwick, MA 01077
Amount: $405,000
Buyer: Michael E. Fregeau
Seller: Justin Klaubert
Date: 04/10/18

47 Lexington Circle
Southwick, MA 01077
Amount: $442,000
Buyer: Angela M. Whitcher
Seller: Lori S. Bonk
Date: 04/19/18

105 Vining Hill Road
Southwick, MA 01077
Amount: $210,000
Buyer: Mark A. Plasse
Seller: Mark Plasse
Date: 04/20/18

SPRINGFIELD

60 Aldrew Terrace
Springfield, MA 01119
Amount: $185,000
Buyer: Jose M. Torres
Seller: Stephanie R. Whitley
Date: 04/20/18

11 Aspen Road
Springfield, MA 01128
Amount: $151,700
Buyer: Citizens Bank
Seller: Christopher M. Miller
Date: 04/19/18

75 Balis St.
Springfield, MA 01109
Amount: $122,000
Buyer: Joel A. Maldonado
Seller: Attaford LLC
Date: 04/11/18

18 Baywood St.
Springfield, MA 01109
Amount: $195,000
Buyer: Emily Niemann
Seller: Joe C. Long
Date: 04/12/18

736 Belmont Ave.
Springfield, MA 01108
Amount: $232,900
Buyer: Antony Massop
Seller: Christiaan X. Vandamme
Date: 04/20/18

63-65 Bloomfield St.
Springfield, MA 01108
Amount: $139,000
Buyer: 196-198 Bowdoin St Realty
Seller: Victor C. Tang
Date: 04/10/18

261 Bolton St.
Springfield, MA 01119
Amount: $126,772
Buyer: US Bank
Seller: Dennis Brown
Date: 04/11/18

45 Bronson Terrace
Springfield, MA 01108
Amount: $206,000
Buyer: Janine Spinola-Taylor
Seller: Monika Kusy
Date: 04/12/18

56 Bruce St.
Springfield, MA 01119
Amount: $212,000
Buyer: Mariama Sonnah
Seller: Amy Johnson
Date: 04/13/18

22 Burr St.
Springfield, MA 01109
Amount: $115,000
Buyer: Sugandh Bhatia
Seller: Scott M. Garcia
Date: 04/17/18

107 Carol Ann St.
Springfield, MA 01128
Amount: $172,000
Buyer: Delia E. Jimenez
Seller: Dianne Draper
Date: 04/20/18

73 Crystal Ave.
Springfield, MA 01108
Amount: $155,000
Buyer: Mayra Quinones-Rivera
Seller: Liandro Gonzalez
Date: 04/13/18

269 Denver St.
Springfield, MA 01109
Amount: $139,000
Buyer: Juan I. Rios-Colon
Seller: Danil A. Politov
Date: 04/20/18

63 Dexter St.
Springfield, MA 01105
Amount: $165,000
Buyer: Wallace Vick
Seller: Erik Dahl
Date: 04/19/18

47-49 Draper St.
Springfield, MA 01108
Amount: $188,000
Buyer: Aita Gajmer
Seller: Jahjan LLC
Date: 04/09/18

82-84 Edgeland St.
Springfield, MA 01108
Amount: $135,000
Buyer: Emily Lopez
Seller: Janusz Kosciolek
Date: 04/20/18

99 El Paso St. #134
Springfield, MA 01104
Amount: $249,000
Buyer: James S. Brown
Seller: June E. Stamand
Date: 04/20/18

218 Ellendale Circle
Springfield, MA 01128
Amount: $217,000
Buyer: Ricardo G. Barnes
Seller: Stephanie K. Godbout
Date: 04/10/18

17 Ellsworth Ave.
Springfield, MA 01118
Amount: $169,000
Buyer: Amanda C. Claing
Seller: Helder F. Nunes
Date: 04/09/18

54 Fellsmere St.
Springfield, MA 01119
Amount: $232,500
Buyer: Morgan R. Tobin
Seller: Herbert S. Berman
Date: 04/17/18

12 Flower St.
Springfield, MA 01118
Amount: $207,000
Buyer: Adam Chisholm
Seller: Jason Tremblay
Date: 04/13/18

41 Garfield St.
Springfield, MA 01108
Amount: $210,000
Buyer: Heather M. Goodyear
Seller: Stacy M. Sheard
Date: 04/19/18

109 Gilman St.
Springfield, MA 01118
Amount: $150,934
Buyer: US Bank
Seller: Richard A. McCarthy
Date: 04/20/18

185 Glenoak Dr.
Springfield, MA 01129
Amount: $177,000
Buyer: Moises Ortiz-Santiago
Seller: Josue Rivera
Date: 04/20/18

55 Gralia Dr.
Springfield, MA 01128
Amount: $187,000
Buyer: Jake T. Belanger
Seller: Angela Pafumi
Date: 04/13/18

29 Grover St.
Springfield, MA 01104
Amount: $155,000
Buyer: Pauline C. Ekajulo
Seller: Bert V. Wright
Date: 04/12/18

17 Hartford Terrace
Springfield, MA 01118
Amount: $210,000
Buyer: Armando Hernandez
Seller: Spencer F. Holmes
Date: 04/20/18

23 Healey St.
Springfield, MA 01151
Amount: $273,846
Buyer: 855 Liberty LLC
Seller: Campagnari Construction
Date: 04/11/18

61 Helberg Road
Springfield, MA 01128
Amount: $239,000
Buyer: James B. Harris
Seller: Agustin B. Roman
Date: 04/20/18

82 Hillside Dr.
Springfield, MA 01118
Amount: $115,000
Buyer: US Bank
Seller: Richard F. Bryant
Date: 04/20/18

17 Jefferson Ave.
Springfield, MA 01107
Amount: $127,935
Buyer: Bank Of Amercia
Seller: Tanya E. Watkins
Date: 04/13/18

80-84 Keith St.
Springfield, MA 01108
Amount: $115,000
Buyer: Hanh N. Pham
Seller: Michael Sarli
Date: 04/13/18

95 Kimberly Ave.
Springfield, MA 01108
Amount: $120,000
Buyer: Joseph Basile
Seller: Alicia Crisostomo
Date: 04/17/18

15 Lawndale St.
Springfield, MA 01108
Amount: $129,000
Buyer: Maikel Gonzalez-Grillo
Seller: James W. Fiore
Date: 04/20/18

34 Littleton St.
Springfield, MA 01104
Amount: $175,000
Buyer: Lisandra Maysonet
Seller: JLC Realty Group LLC
Date: 04/13/18

21 Maebeth St.
Springfield, MA 01119
Amount: $182,000
Buyer: Mary M. Macharia
Seller: Michael J. Scanlon
Date: 04/13/18

1500 Main St.
Springfield, MA 01103
Amount: $6,900,000
Buyer: Mittas Hospitality LLC
Seller: Mass Mutual Life Insurance Co.
Date: 04/12/18

217 Mazarin St.
Springfield, MA 01151
Amount: $145,500
Buyer: Jesslyn Dejesus
Seller: Helder Nunes
Date: 04/20/18

100-102 Milton St.
Springfield, MA 01151
Amount: $160,000
Buyer: Christopher J. Behnk
Seller: Louis G. Beaudoin
Date: 04/17/18

339 Naismith St.
Springfield, MA 01104
Amount: $239,000
Buyer: Christa A. Nunnally
Seller: Hector L. Martinez
Date: 04/13/18

711 Newbury St.
Springfield, MA 01104
Amount: $115,000
Buyer: Derek C. Aviles
Seller: Venessa A. Smith
Date: 04/13/18

152 Newhouse St.
Springfield, MA 01118
Amount: $118,000
Buyer: David Bissaillon
Seller: David Knecht
Date: 04/11/18

281 Newton Road
Springfield, MA 01118
Amount: $200,000
Buyer: Wilfred Fontaine
Seller: Khai T. Bui
Date: 04/17/18

522 Page Blvd.
Springfield, MA 01104
Amount: $150,000
Buyer: Marwan M. Awkal
Seller: 522 Page Blvd. LLC
Date: 04/12/18

202-206 Pearl St.
Springfield, MA 01105
Amount: $1,192,000
Buyer: 212 Pearl LLC
Seller: Facta Non Verba LLC
Date: 04/13/18

208-212 Pearl St.
Springfield, MA 01105
Amount: $1,192,000
Buyer: 212 Pearl LLC
Seller: Facta Non Verba LLC
Date: 04/13/18

75 Pilgrim Road
Springfield, MA 01118
Amount: $181,500
Buyer: Gregory G. Sprofera
Seller: Brady Chianciola
Date: 04/09/18

35 Pine Hill Road
Springfield, MA 01118
Amount: $345,000
Buyer: Liliya Sadovaya
Seller: Bretta Construction LLC
Date: 04/20/18

29 Rapalus St.
Springfield, MA 01151
Amount: $225,000
Buyer: Josue G. Feliciano
Seller: Silver P. Serra
Date: 04/17/18

349 Roosevelt Ave.
Springfield, MA 01118
Amount: $130,930
Buyer: Michael Keane
Seller: Maryanne King
Date: 04/12/18

204 Saint James Ave.
Springfield, MA 01109
Amount: $214,100
Buyer: Linda A. Broadwater-Davis
Seller: JJS Capital Investment
Date: 04/17/18

142 Shefford St.
Springfield, MA 01107
Amount: $172,200
Buyer: US Bank
Seller: Lisa R. Parrow
Date: 04/20/18

89 Signal Hill Circle
Springfield, MA 01118
Amount: $350,000
Buyer: Kyle I. Dieters
Seller: Grahams Construction Inc.
Date: 04/20/18

115 South Tallyho Dr.
Springfield, MA 01118
Amount: $204,000
Buyer: Ryan C. Mickiewicz
Seller: Michelle Stuart
Date: 04/13/18

235 State St. #DG2
Springfield, MA 01103
Amount: $167,000
Buyer: Balazs Kovacs
Seller: Gary S. Watson
Date: 04/17/18

340 Taylor St.
Springfield, MA 01105
Amount: $235,000
Buyer: Friends Of STCC Inc.
Seller: Springfield SS LLC
Date: 04/09/18

67 Texel Dr.
Springfield, MA 01108
Amount: $214,000
Buyer: Patrick Spagnoletti
Seller: Lucchesi, Louis R., (Estate)
Date: 04/13/18

38 Virginia St.
Springfield, MA 01108
Amount: $165,000
Buyer: Joseph C. Deliso
Seller: Adam W. Powers
Date: 04/09/18

2-4 Wilmont St.
Springfield, MA 01108
Amount: $220,000
Buyer: ZTL Investment Group LLC
Seller: Trang Nguyen
Date: 04/20/18

87 Winding Lane
Springfield, MA 01118
Amount: $175,000
Buyer: Paul E. Smith
Seller: Melvin D. Rossman
Date: 04/20/18

3 Woodcliff St.
Springfield, MA 01109
Amount: $122,500
Buyer: Yamillette Diaz-Parra
Seller: James W. Fiore
Date: 04/13/18

557 Worthington St.
Springfield, MA 01105
Amount: $210,000
Buyer: Damascus Holdings LLC
Seller: Britalian LLC
Date: 04/18/18

WESTFIELD

7 Atwater St.
Westfield, MA 01085
Amount: $197,000
Buyer: Erik B. Quinn
Seller: Cody A. Rida
Date: 04/17/18

41 Church St.
Westfield, MA 01085
Amount: $206,000
Buyer: Nathan A. Byrnes
Seller: 41 Church St. LLC
Date: 04/18/18

104 Court St.
Westfield, MA 01085
Amount: $169,000
Buyer: DED Realty LLC
Seller: Tomestic, Constance L., (Estate)
Date: 04/11/18

1161 East Mountain Road
Westfield, MA 01085
Amount: $245,000
Buyer: Bryan K. Clauson
Seller: Robert D. Patenaude
Date: 04/13/18

48 Maple Terrace
Westfield, MA 01085
Amount: $239,000
Buyer: Adam R. Carmel
Seller: Roland R. Deblois
Date: 04/13/18

554 Montgomery Road
Westfield, MA 01085
Amount: $243,500
Buyer: Marianne Murphy
Seller: Michael B. Johnston
Date: 04/20/18

49 Northwest Road
Westfield, MA 01085
Amount: $204,500
Buyer: Eric Harshbarger
Seller: Myrl W. Clark
Date: 04/11/18

91 Orange St.
Westfield, MA 01085
Amount: $156,000
Buyer: Bank New York Mellon
Seller: Darryl J. Lamagdeleine
Date: 04/11/18

78 Otis St.
Westfield, MA 01085
Amount: $169,000
Buyer: Christopher D. Roy
Seller: Jessica N. Lambert
Date: 04/20/18

68 Plantation Circle
Westfield, MA 01085
Amount: $330,000
Buyer: Theodore Kopyscinski
Seller: MTGLQ Investors LP
Date: 04/09/18

13 Sycamore St.
Westfield, MA 01085
Amount: $162,500
Buyer: Jacquelyn A. Morris
Seller: Adam R. Carmel
Date: 04/13/18

113 Wildflower Circle
Westfield, MA 01085
Amount: $395,000
Buyer: Jennifer L. Orenstein
Seller: William O. Thompson
Date: 04/12/18

WILBRAHAM

9 Brentwood Dr.
Wilbraham, MA 01095
Amount: $360,000
Buyer: Janelle A. Gaffer
Seller: Harry Reimers
Date: 04/13/18

21 Brooklawn Road
Wilbraham, MA 01095
Amount: $242,000
Buyer: Sarah Hauser
Seller: Olga C. Geoffino
Date: 04/13/18

27 Leemond St.
Wilbraham, MA 01095
Amount: $319,900
Buyer: Hannah Belcher-Timme
Seller: Kevin C. Peabody
Date: 04/20/18

455 Main St.
Wilbraham, MA 01095
Amount: $831,387
Buyer: NEP LLC
Seller: ARC CBWBMMA001 LLC
Date: 04/10/18

39 Manchonis Road
Wilbraham, MA 01095
Amount: $217,000
Buyer: Randall P. Flagg
Seller: Lynne A. Frame
Date: 04/13/18

104 Manchonis Road
Wilbraham, MA 01095
Amount: $166,100
Buyer: Carol R. Dewolf
Seller: Ken Kowynia
Date: 04/17/18

6 Oakland St.
Wilbraham, MA 01095
Amount: $325,000
Buyer: Kevin J. Percy
Seller: Thomas M. Cooney
Date: 04/20/18

63 Oakland St.
Wilbraham, MA 01095
Amount: $370,000
Buyer: Benjamin S. Wertheim
Seller: Lawrence R. Bauer
Date: 04/20/18

16 Pidgeon Dr.
Wilbraham, MA 01095
Amount: $275,000
Buyer: George J. Semanie
Seller: Christopher J. Baker
Date: 04/12/18

18 Sawmill Dr.
Wilbraham, MA 01095
Amount: $313,000
Buyer: Gary E. Dion
Seller: Amy B. Fearn
Date: 04/13/18

70 Stony Hill Road
Wilbraham, MA 01095
Amount: $160,000
Buyer: Daniel Toniatti
Seller: Michael A. Parker
Date: 04/17/18

WEST SPRINGFIELD

159 Albert St.
West Springfield, MA 01089
Amount: $161,900
Buyer: Aleksandr Govor
Seller: US Bank
Date: 04/18/18

41 Belle Ave.
West Springfield, MA 01089
Amount: $173,000
Buyer: Dheyaa Zaidan
Seller: Mikhail Karapunarly
Date: 04/20/18

14 Brookline Ave.
West Springfield, MA 01089
Amount: $340,000
Buyer: Phillip J. Bonk
Seller: Seybold, Anne Marie, (Estate)
Date: 04/20/18

82 Chestnut St.
West Springfield, MA 01089
Amount: $190,000
Buyer: Juancarlos Nunez-Ruiz
Seller: Jonathan D. Jacobsen
Date: 04/12/18

99 City View Ave.
West Springfield, MA 01089
Amount: $204,900
Buyer: Amy M. Scalise
Seller: Erik G. Sudnick
Date: 04/18/18

125 Craiwell Ave.
West Springfield, MA 01089
Amount: $295,000
Buyer: Regina R. Ranstorm
Seller: Brett Gazaille
Date: 04/17/18

63 Elm Circle
West Springfield, MA 01089
Amount: $116,000
Buyer: Minas Alitbi
Seller: HSBC Bank
Date: 04/13/18

96 Ely Ave.
West Springfield, MA 01089
Amount: $175,000
Buyer: Nilda L. Garcia-Diaz
Seller: Martyn G. Green
Date: 04/19/18

163 Falmouth Road
West Springfield, MA 01089
Amount: $220,000
Buyer: Wilmington Savings
Seller: William B. Burlingham
Date: 04/17/18

57 Farnum St.
West Springfield, MA 01089
Amount: $210,000
Buyer: Michelle A. McCaffrey
Seller: Robert Whalen
Date: 04/13/18

32 Hampden St.
West Springfield, MA 01089
Amount: $199,900
Buyer: Dadhi Adhikari
Seller: Shu Cheng
Date: 04/20/18

85 Lewis Ave.
West Springfield, MA 01089
Amount: $225,000
Buyer: Joshua J. Seidell
Seller: Seidell Realty LLC
Date: 04/19/18

501 Memorial Ave.
West Springfield, MA 01089
Amount: $2,679,000
Buyer: 363 Boston Post Road LLC
Seller: AF-West Springfield MA LLC
Date: 04/13/18

290 Morton St.
West Springfield, MA 01089
Amount: $145,000
Buyer: Adam Bryant
Seller: Bolduc, Yvette R., (Estate)
Date: 04/17/18

51 Rogers Ave.
West Springfield, MA 01089
Amount: $232,050
Buyer: Jeffrey R. Mitchell
Seller: Adam R. Bryant
Date: 04/17/18

86 Vincent Dr.
West Springfield, MA 01089
Amount: $235,000
Buyer: Melvin Diaz
Seller: John P. Callahan
Date: 04/20/18

HAMPSHIRE COUNTY

AMHERST

464 Bay Road
Amherst, MA 01002
Amount: $231,900
Buyer: Faranak Seihoun
Seller: Virginia L. Espeland
Date: 04/18/18

30 Boltwood Walk
Amherst, MA 01002
Amount: $450,000
Buyer: Downstairs LLC
Seller: PVP Holdings LLC
Date: 04/17/18

17 Fairfield St.
Amherst, MA 01002
Amount: $399,000
Buyer: Romain Vasseur
Seller: Julia M. Alexander
Date: 04/10/18

144 Glendale Road
Amherst, MA 01002
Amount: $242,900
Buyer: Benjamin Norrichs
Seller: MTGLQ Investors LP
Date: 04/13/18

55 Lilac Lane
Amherst, MA 01002
Amount: $472,000
Buyer: Katzman Coldham 2013 LT
Seller: Margaret C. Oakes
Date: 04/13/18

38 Maplewood Dr.
Amherst, MA 01002
Amount: $415,000
Buyer: Charlene Choi
Seller: Dean Brown
Date: 04/17/18

Red Gate Lane
Amherst, MA 01002
Amount: $175,000
Buyer: Alex K. Phakos
Seller: Jonathan S. Klate
Date: 04/17/18

BELCHERTOWN

77 Cheryl Circle
Belchertown, MA 01007
Amount: $484,900
Buyer: Shawn M. Nycz
Seller: Michael S. Kulik
Date: 04/10/18

70 Mill Valley Road
Belchertown, MA 01007
Amount: $250,000
Buyer: Lyn M. Banville
Seller: Shirley M. Dillard
Date: 04/20/18

10 Pine Brook Dr.
Belchertown, MA 01007
Amount: $192,000
Buyer: Amanda Beauregard
Seller: Paul E. Brissette
Date: 04/13/18

37 Rimrock Road
Belchertown, MA 01007
Amount: $330,000
Buyer: Adrian J. Manning
Seller: Dale E. Yvon
Date: 04/19/18

233 State St.
Belchertown, MA 01007
Amount: $215,000
Buyer: Amherst Court RT
Seller: Sydney Keyes-Thackeray
Date: 04/17/18

EASTHAMPTON

3 Carillon Circle
Easthampton, MA 01027
Amount: $391,700
Buyer: Neil Hede
Seller: Gertrude E. Hooks
Date: 04/11/18

40 Church St.
Easthampton, MA 01027
Amount: $131,080
Buyer: FNMA
Seller: Timothy S. Clark
Date: 04/13/18

14 Kenneth Road
Easthampton, MA 01027
Amount: $211,000
Buyer: Brian F. Bigda
Seller: Samantha L. Lheureux IRT
Date: 04/20/18

10 Pinebrook Dr.
Easthampton, MA 01027
Amount: $175,000
Buyer: Michael E. Fregeau
Seller: US Bank
Date: 04/18/18

53-55 Ridgewood Terrace
Easthampton, MA 01027
Amount: $289,000
Buyer: Joseph Darby-O’Brien
Seller: Thomas A. Porter
Date: 04/20/18

88 West St.
Easthampton, MA 01027
Amount: $246,000
Buyer: Frank R. Talarico
Seller: Ross J. Krause
Date: 04/12/18

GRANBY

111 North St.
Granby, MA 01033
Amount: $268,500
Buyer: Kevin H. Miele
Seller: David P. Wing
Date: 04/09/18

HADLEY

15 Maple Ave.
Hadley, MA 01035
Amount: $368,000
Buyer: Ethan W. Percy
Seller: Gregory M. Mish
Date: 04/20/18

72 Russell St.
Hadley, MA 01035
Amount: $249,000
Buyer: Donald R. Dion
Seller: Sandra Houghton
Date: 04/20/18

HATFIELD

186 Linseed Road
Hatfield, MA 01088
Amount: $297,500
Buyer: Jay Messer
Seller: William D. Harlow
Date: 04/10/18

HUNTINGTON

8 Crescent St.
Huntington, MA 01050
Amount: $167,000
Buyer: Scott B. Capponcelli
Seller: Jane F. Martone
Date: 04/13/18

NORTHAMPTON

1300 Burts Pit Road
Northampton, MA 01062
Amount: $365,000
Buyer: Mark A. Blais
Seller: Joe Hamill
Date: 04/19/18

87 Chesterfield Road
Northampton, MA 01053
Amount: $335,000
Buyer: Melissa A. Fowler
Seller: Erika M. Hernandez
Date: 04/13/18

211 Chestnut St.
Northampton, MA 01062
Amount: $246,000
Buyer: Suzanne R. Starling
Seller: Murray Melbin
Date: 04/12/18

259 Elm St.
Northampton, MA 01060
Amount: $2,250,000
Buyer: Ellery Owner LLC
Seller: Atwood Drive LLC
Date: 04/11/18

61 Ford Xing
Northampton, MA 01060
Amount: $530,000
Buyer: Jill Meyers
Seller: Peter Fliss
Date: 04/20/18

90 Haydenville Road
Northampton, MA 01053
Amount: $430,000
Buyer: Aba Properties LLC
Seller: SSTT LLC
Date: 04/10/18

63 Maple St.
Northampton, MA 01062
Amount: $290,000
Buyer: 63 Maple Street LLC
Seller: Tom Masters
Date: 04/18/18

8 Middle St.
Northampton, MA 01062
Amount: $451,000
Buyer: Anne-Liesl Swogger
Seller: Nora R. Kalina
Date: 04/18/18

6 Villone Dr.
Northampton, MA 01053
Amount: $340,000
Buyer: Kelcie M. Cooke
Seller: Maureen B. Szawlowski
Date: 04/17/18

PELHAM

8 Bray Court
Pelham, MA 01002
Amount: $238,500
Buyer: Harry H. Brakeley
Seller: Christopher J. Wells
Date: 04/19/18

SOUTH HADLEY

32 Boynton Ave.
South Hadley, MA 01075
Amount: $261,000
Buyer: Mary T. Quesnel
Seller: Alliso Marshall-Beaudoin
Date: 04/20/18

33 Boynton Ave.
South Hadley, MA 01075
Amount: $275,000
Buyer: Lauren E. Obregon
Seller: Matthew Gage
Date: 04/13/18

65 Hadley St.
South Hadley, MA 01075
Amount: $205,000
Buyer: Randy Barthelette
Seller: George J. Langevin RET
Date: 04/17/18

11 Landers St.
South Hadley, MA 01075
Amount: $195,000
Buyer: Alexander J. Rossi
Seller: Dennis Hogan
Date: 04/18/18

60 Michael Dr.
South Hadley, MA 01075
Amount: $360,000
Buyer: Catherine M. Scribner
Seller: Raymond E. Rondeau
Date: 04/12/18

128 Newton St.
South Hadley, MA 01075
Amount: $282,500
Buyer: Daniel T. Laing
Seller: Carolyn L. Couture
Date: 04/13/18

42 San Souci Dr.
South Hadley, MA 01075
Amount: $515,000
Buyer: Lisa Ball-Russo
Seller: Thomas W. Senecal
Date: 04/13/18

54 San Souci Dr.
South Hadley, MA 01075
Amount: $515,000
Buyer: Lisa Ball-Russo
Seller: Thomas W. Senecal
Date: 04/13/18

23 Saybrook Circle
South Hadley, MA 01075
Amount: $205,000
Buyer: Brandyn Boroski
Seller: Andrew Frawley
Date: 04/10/18

54 Sunset Ave.
South Hadley, MA 01075
Amount: $150,000
Buyer: Norma I. Fontanez
Seller: Deborah A. Church
Date: 04/17/18

SOUTHAMPTON

34 Strong Road
Southampton, MA 01073
Amount: $401,000
Buyer: Kathryn A. Przybyszewski
Seller: Brian F. Bigda
Date: 04/19/18

WARE

24 Berkshire Circle
Ware, MA 01082
Amount: $117,481
Buyer: Corey Tavernier
Seller: HSBC Bank
Date: 04/12/18

 

DBA Certificates Departments

The following business certificates and trade names were issued or renewed during the month of April 2018.

AMHERST

Amherst Enterprise Park
441 West St.
Leigh Andrews

Domain Masonry, LLC
86 Kellogg Ave.
Christopher Domain

Golden 3 Counseling Services
447 West St., Suite 3
Brittanie Jemes

Gorilla Tactics
145 University Dr., #3541
Jesse Crafts-Finch

J. Hurd & Associates
220 North Pleasant St.
Jason Hurd

J. Shefftz Consulting
14 Moody Field Road
Jonathan Shefftz

Jennifer Lefort, PhD
15 Linden Ridge Road
Jennifer Lefort

BELCHERTOWN

Morning Star Graphics
238 Rockrimmon St.
Roger Duffy, Natalia Duffy

CHICOPEE

The Chinese Kung Fu Wushu Academy
551 East St.
Binh Nguyen

Electra-Sounds Entertainment
5 Julia Ave.
William Butman Jr.

First Stop Grocery
830 Chicopee St.
Sudan Curiel

Generations Salon
588 Chicopee St.
Lisa Carlson

JWI Kitchens, LLC
374 Springfield St.
Ivelesse Perez

MamaRazzi Photography Inc.
165 Front St., Building D
Jenna Medina, Jacqueline Slatton

Meraki Salon
685 James St.
Christine Peacey

RazziKids
165 Front St., Building D
Jenna Medina, Jacqueline Slatton

Serenity Salon & Spa
472 Burnett Road
Alison Metcalfe

Style and Grace Hair Studios
1735 Westover Road
Ruben Camacho Jr.

WP-HL Foundation
16 America St.
Edward Fulke

EASTHAMPTON

Brian Harrison
1 Nashawannuck St.
Brian Harrison

C.R.P. Home Improvement
73 Glendale St.
Corey Pease

Frusho
28 Golden Dr.
Christopher Cabrini

Furs A Flyin
155R Northampton St.
MaryKate Murray

Pressplayhouse Duds
312 Main St.
Matthew Goldman

Worldsongs.com
116 Pleasant St., #334
Charlie Shew

EAST LONGMEADOW

Dreamscape Properties
20 Somerset St.
Marco Basile

G & A Import Auto Repair
41 Fisher Ave.
Alfonso Gioiella

McRae Consulting Solutions
57 Merriam St.
Mary McRae

HOLYOKE

Aeropostale #112
50 Holyoke St.
Aero Opco, LLC

The Clover Pub
102-104 High St.
Michael Rigali

Creative Concepts
24 Old Jarvis Ave.
Thomas Kennedy

Giggles Daycare
53 Argyle Ave.
Siobhan Sullivan

The Honey Pot
264 Sargeant St.
Jocelyn Poirier

Hyperperformance Cuts, LLC
118 Maple St.
Hanser Perez

Mocha Emporium
50 Holyoke St.
Adel Wahhas

Quick Stop
172 Sargeant St.
Tariq Aziz Khan

Reliable Computer
867 Main St.
Daniel Deschaine

Taste Freeze
915 Main St.
Daniel Rios

Your Brother-in-Law’s Handiman Services
33 Clerk St.
Joshua Silva

LONGMEADOW

EDV Home Design and Renovation
121 Willow Brook Road
Elaine D’Alleva-Vehse

SmartCheck
17 Barrington Road
Nora MacKay, Mark Fellows

LUDLOW

The Beauty Studio Boutique Inc.
393 East St.
Marsia Nogueira, Kristen Bousquet

NORTHAMPTON

Absolute Zero
229 Main St.
Meng Qin Wang

C.L. Frank & Co.
50 Cooke Ave.
Christopher Frank

Chill Harmonics
39 Main St., Suite 3
Pamela Smith

Christopher Foley Painting
68 Bradford St., Apt. B
Christopher Foley

Compass Community Education Center
221 Pine St., Suite 320
Shelly Risinger, Elena Allee

Couples Center of the Pioneer Valley
182 Main St., #202
Katherine Waddell

Dodeca
38 Main St.
Endamian Stewart, Robert Stewart

Hygeniks Inc.
106 Industrial Dr.
Todd Marchefka

Joel Russell Associates
16 Armory St., Suite 7
Joel Russell

Kidstuff
90 Maple St.
Tami Schirch

Metalmass Records
670B Haydenville Road
Kristian Strom

MG Coaching Services
98 Pine St., Unit 6
Martha Grinnell

New England Medical Consultants Inc.
124 Maple Ridge Road
Matthew Kane, Ann Markes

Northampton Golden Nozzle #04082
304 King St.
Nouria Energy Retail Inc.

Robinson Real Estate
35C State St.
Steven Slezek

Room 6 Salon & Nails
140 Pine St., #6
Melanie Burnett

State Street Fruit Store, Deli, Wines & Spirits
51 State St.
Richard Cooper

PALMER

JKL Liquid Asphalt
244 Burlingame Road
Raymond Croteau

Marlene’s Beauty Salon
1461 North Main St.
Jean Ciukaj

Tranquility Central
1384 Main St.
Kathleen Jett

SOUTHWICK

Humble N’Kind D-Sign
352 North Loomis St.
Elizabeth Vivier

Total Home Services
445 College Highway
Geno Whitehead

SPRINGFIELD

413 Video Productions
40 Edgewood St.
Aaron Williams

All Seasons Basement Dewatering Inc.
45 Jamestown Dr.
James Kelly

Around the Clock Adult Home Care
130 Fenwick St.
Linda Sheehan

Aer Wireless
119 Maplewood Terrace
Wi4me, LLC

Banh Mi Mia
461 Belmont Ave.
Hung Nguyen

Grez Automotive, LLC
604 Boston Road
Pan Siphanoum

Hariss Beauty
20 Arnold Ave.
Brittany Franco

House of Lockhart
89 Hyde Ave.
Ramon Albizu

J M Towing
56 Loring St.
Jerry Martinez

La Marguencita Bakery
755 Liberty St.
Lorena Vicente

Little Luv Bugs Day Care
24 Mayfair Ave.
Judy Williams

Ma Chere Creole Kitchen
94 Pennsylvania Ave.
Michael Guidry

Maidpro
527 Belmont St.
Heewon Yang

Montalvo Trucking
48 Appleton St.
Victor Montalvo

Mzion Corp.
1341 Main St.
Ni Si Kim

Northeast Mountain Footwear
459 Breckwood Blvd.
Algeni Enterprises

Rex Ambrosia, LLC
145 Ambrose St.
Glenn Mills

Rock Bottom Records
114 Cardinal St.
Abdul Ibrahim Jr.

Trinity Health of New England
271 Carew St.
Mercy Medical Group

Vladmierj Tailor
66 Dickinson St.
Thuy Fuda

WARE

Blissful Moments Hair Skin Body Studio
89 Main St., Suite 4
Tenah Richardson

Dance Unlimited MA
23 West Main St.
Mary Royer

Lost & Found Mercantile
85 Main St.
Kristin Rosenbeck, Dennis Cote

Miss Sue’s Place
42 Greenwich Road
Susan Flamand

Murphy’s Painting
197 River Road
Cole Murphy

Western Mass Home Improvement
81 Greenwich Road
Christopher Wiggin

WESTFIELD

Affordable Building Contractor
26 Northridge Road
David Wroblewski

Ace Photography
29 Beckwith Ave.
Nicholas Ventura

MAR Consulting
83 Pineridge Dr.
Mona Rastegar

Power Control Services & Electric Inc.
227 Loomis St.
Power Control Services & Electric Inc.

WEST SPRINGFIELD

Arbella Insurance Group
1 Interstate Dr.
Arbella Insurance Group

B+ Clean-Outs
10 Elizabeth St.
Joseph Switzler

Ballard Mack Sales & Service
124 Ashley Ave.
John Picking

Custom Railings Tech Inc.
117 Allston Ave.
Armand Cote

Energia Massage
1111 Elm St.
Tatiana McCoy

Holiday Flowers
69 Angeline St.
Joan Marino

Olympia Junior Hockey
125 Capital Dr.
Patrick Tabb

Plato’s Closet
1472 Riverdale St.
Kathleen White

Springfield Inn
1573 Riverdale St.
Dilip Rana

Wendy’s #292
288 Park St.
Inspired By

Wendy’s #318
644 Riverdale St.
Inspired By

WILBRAHAM

Barone’s Landscaping
375 Mountain Road
Nicholas Barone

BJC Consulting
9 Whitford Place
Barry Christman

C & S Construction
9 Meadowview Road
Christian Mills

Trinity Health of New England Medical Group
70 Post Office Park
Carlos Martins

In these times, many people will be working remotely. In addition to accessing BusinessWest online, readers may wish to add their home address. To do this, e-mail [email protected], visit  https://businesswest.com/contact-us/subscribe/, or call 413.781.8600.