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Employment Sections

Make Sure You’re Covered

 By Timothy M. Netkovick, Esq.

 

Timothy Netkovick

Timothy Netkovick

Many employers with employment-practices liability insurance (EPLI) and directors and officers liability insurance (D&O) policies know too well that they often face a frustrating struggle when reporting the fact that a lawsuit has been filed to their insurance company.

As an employer, being faced with employment litigation is challenging enough, but then being told that you have to work with an attorney you have never met, who may not be locally located, is extremely frustrating. Employers are frequently told they have to use the attorney their insurance company tells them to use. This, however, is contrary to Massachusetts law when an insurance company reserves its rights. In fact, under Massachusetts law, the insured can choose its own counsel in that scenario.

The insurance company will frequently reserve its rights upon initial receipt of a claim. It will then send a reservation-of-rights letter, advising its insured (you) that it will provide a defense of the claim while simultaneously reserving its right to deny coverage of the claim. This means that, while the insurance company will provide a defense right now, it is reserving its right to deny coverage of the claim after it learns additional information, which could leave you exposed to liability with little or no insurance coverage at a later date.

Many employers know that one issue that periodically arises with insurance companies is their insistence on having the insurance company’s attorneys defend a claim, even when the insurance company is reserving its rights. The insurance company you are dealing with could be located in another state, where the laws governing insurance companies may be different, and the insurance company could try to bully you into selecting an attorney that the insurance company selects. That attorney could be at a big firm in a big city, and you may prefer to be represented by a local attorney who knows your business.

If your attorney has been representing you in the matter prior to litigation being filed, it may also not be in your best interest for the insurance company’s attorney to become involved from the standpoint of cost and familiarity with the claim. In a reservation-of-rights scenario, you have the right to choose your own counsel. Massachusetts courts have ruled that an insurance company cannot insist on using its own attorneys to defend a case when it is reserving its right to deny coverage, as it has the potential to adversely affect the insured’s rights.

When an insurance company says it is going to fund a defense, it means it will pay the legal fees and costs associated with defending the claim. Depending upon the language of your individual insurance policy, your company will likely be responsible for paying legal fees until your deductible is reached. The insurance company would pay all legal fees once the deductible is exceeded.

Let’s assume your insurance company is providing you a defense under a reservation of rights, and then decides to deny coverage based upon facts it learns as the case develops. What happens to your company? In this scenario, timing is key. Massachusetts courts have ruled that an insurance company can be barred from denying coverage in a scenario where the insurance company learns of facts upon which it could deny coverage, then takes no action to inform its insured it will deny coverage until months, or years, later.

Many employers are also familiar with their insurance company trying to force the settlement of a claim during litigation. The insurance company recommends settlement of the claim based upon its bottom line by performing a financial analysis of the potential settlement amount against the cost of paying the legal fees and costs associated with the continued defense of the claim and the risk to its insured.

However, if the insured believes the claim is meritless, a settlement may not be in the insured’s best interest. If a settlement is paid, then the insured’s premiums will increase, whereas, if the claim was taken to trial and the insured prevailed, its premiums would not increase.

Often, employers think they are at the mercy of the insurance company when it comes to decisions made in litigation. As an employer, it is important to know your rights under EPLI and D&O insurance policies. Decisions made in litigation have an impact on your business, your employee relations, your reputation, and your bottom line.

Timothy M. Netkovick, Esq. specializes exclusively in management-side labor and employment law at Royal, P.C., a woman-owned, boutique, management-side labor and employment law firm, which is certified as a women’s business enterprise with the Massachusetts Supplier Diversity Office and the National Assoc. of Minority and Women Owned Law Firms; (413) 586-2288; [email protected]

Manufacturing Sections

Manufacturing Progress

Andrew Walmsley

Andrew Walmsley says VVM’s Manufacturing Accelerator has given him insights about how he can grow Volo Aero MRO in East Longmeadow.

Valley Venture Mentors has made a name for itself providing invaluable mentoring and technical assistance to mostly young, startup ventures. But this fall, it has taken its ‘tough-love’ approach to helping business owners become more competitive and efficient to some businesses that are anything but young. Indeed, several of the participants in VVM’s Manufacturing Accelerator are decades old. But they are learning new ways to communicate with and better serve customers — and gain new ones.

Scott Decker recently had a five-hour meeting with a long-time customer, during which they discussed business in a way they never had done before.

“Communication is key, and it helped us bridge some gaps,” said the CEO of Decker Machine Works Inc. in Ashfield. “The customer had some expectations that hadn’t been verbalized, and the meeting helped us align our thinking and fill in blanks in our relationship.”

The dialogue was initiated as a result of Decker’s participation in Valley Venture Mentors’ Manufacturing Accelerator program, which is a pilot that launched in October. It’s a new type of venture for VVM, which historically has focused on matching entrepreneurs with mentors who help them avoid pitfalls and grow their fledging businesses.

The pilot is being run by Paul Silva, president of VVM, and Scott Longley, who owns Eidolon Consulting and has served as a VVM mentor for manufacturers.

“It’s an experiment because we’re not working with startups; some of these companies have been in business for three generations and have dozens of employees,” Silva said, noting that the average age of participants is 50.

One assignment each of the so-called ‘students’ received was to ask open-ended questions of existing and potential customers and continue these queries until they get to their bottom line in terms of need, expectations, and values, which is exactly what occurred in the recent meeting Decker had with a client.

The program has also helped students hone in on what they do best, because most ‘job shops,’ which is the term these small manufacturers go by, are generalists and don’t specialize in a specific type of product or offering.

Andrew Walmsley purchased Volo Aero MRO in East Longmeadow a year ago, and although his background includes business development, he says the course has been quite beneficial.

Paul Silva, left, and Scott Longley

Paul Silva, left, and Scott Longley say VVM’s Manufacturing Accelerator is a pilot project to help local job shops define what they do best so they can focus on a specialty.

“It forced me to do outreach to a broad range of companies to understand what’s important to them,” he said, noting that he made more than 40 calls to supply-chain professionals, and if he hadn’t been accountable to the program, he would never have spent so much time defining exactly what they want, need, and value.

“The program makes you revisit beliefs. What was true 20 years ago isn’t necessarily true today, and one of the most important lessons I’ve learned is how important it is to focus and understand your core market,” he said, adding that there is a high cost to doing business in this region and participants have discovered they face the same challenges.

He likens running a business to tactical firefighting, and says it’s easy to get caught up in day-to day-problems. “But the program directs you back to the market and shows you where you can add value so you can be profitable,” Walmsley explained.

Longley told BusinessWest that it’s critical to ensure that manufacturing re-establishes the strong foothold it had generations ago when the Springfield Armory, Indian Motocycle, and other major companies were flourishing.

“Local job shops grew up around the Armory to support their needs as well as the needs of other large companies,” he noted, adding that hundreds of these small, local shops still exist, manufacturing components used in medical, aerospace, and other industries, and have tremendous capabilities due to expertise honed by decades of experience.

“Our goal is to help them find new customers and ways of doing business,” Longley said.

Silva noted that many small job shops were forced to close during the recession, and the focus for shops that remain open has often been simply to survive. “The world is getting more competitive, and they need to figure out how they can be the best in the world at something so they can thrive and add zeros to their bottom line.”

For this issue and its focus on manufacturing, BusinessWest talked with Silva and Longley to find out what the accelerator program involves and how its students — job-shop owners and executives — are integrating lessons honed from the syllabus into their operations.

Matters of Perception

VVM has a storied history of success in helping entrepreneurs, and its accolades have included participation in a White House initiative last fall as well as other prestigious honors.

Silva said the agency’s success prompted Vita Clark, executive vice president at MassDevelopment, to approach him last summer with the idea of starting a pilot to help local manufacturers develop an innovative mindset and synergistic approach to doing business. Silva thought it was a viable idea, and MassDevelopment gave VVM a $200,000 grant to fund the program.

Eight companies were selected to become students, and they have devoted a tremendous amount of time to the program, which consists of 10 six-hour sessions along with a great deal of homework they are held accountable for.

Sam Decker

Sam Decker of Decker Machine Works Inc. in Ashfield says the VVM Manufacturing Accelerator has helped him gain new information about the needs of his customers.

Because it’s an experimental program, Silva noted, changes have been made along the way, and although initial sessions were scheduled on a weekly basis, they switched to every other week because the working professionals couldn’t afford to be away from their job shop for an entire day every week.

He told BusinessWest the program has been painful for students in some ways because it has exposed company weaknesses. But participants have discovered they share similar challenges that include problems such as not being able to afford a sales representative or being too small to get a good deal on health insurance.

Decker Machine has been in business for more than 30 years, and Decker admitted he was skeptical about the accelerator before he attended an audition night. But today, he feels honored that his company was selected to be part of the inaugural class.

“VVM is giving us the tools we need not only to survive, but to thrive,” he said. “It is really difficult today to be profitable and relevant in an ever-changing marketplace. We have lots of competition, especially overseas, and there are onerous regulations. But this program is offering us a different perspective by helping us to see different ways of looking at things. We have been doing business in the same way for so long that we are kind of myopic.”

Silva and Longley noted that many of the students were relying on 20th-century marketing tactics to generate business, included attendance at trade shows, cold calls, and word-of-mouth referrals. Most had not used social media before the accelerator began, and some didn’t have websites or only maintained very basic ones.


List of Largest Manufacturers in Western Mass.


But that is changing, and new skills are being learned. The program requires students to make presentations to the class, which has not been easy because many were not used to speaking in front of an audience. They have taken on the challenge, however, and been able to tell their peers what they learned from calls and meetings with clients as well as from other assignments.

The purpose has been to grow and develop their comfort level on stage, and the participants have learned to include slides and other visuals to enhance what they have to say.

A few weeks ago, Decker said, program administrators staged a Shark Tank-like experience during which people were brought in to critique participants’ sales pitches. He joked that he was happy to be one of the first presenters to go before the “sharks got organized,” because the feedback was not always easy to hear.

“But they have learned, if they want to get a customer 10 times larger than any they currently have, they need to develop a good sales pitch,” Silva said.

Longley noted that constructive criticism is completely honest and direct. “We tell them what’s wrong in a non-hurtful way.”

But the larger goal is to work toward identifying what sets them apart from other local job shops.

“VVM wants us to specialize; it’s a way to survive and thrive in a market full of mediocre offerings,” Decker said.

Still, it has been difficult for them to define what makes them different from their local competitors, which is critical knowledge as it can help them focus on developing a specialized niche.

“There are different ways of specializing. For example, being able to turn something around in 24 hours is a very different skill than offering the cheapest price,” Silva noted.

However, detailed phone calls and meetings have led students to the realization that buyers have different priorities; some want things produced quickly, while others don’t need a part right away but are very appreciative when a manufacturer can store it for them or delay a shipment, because it helps them manage their own inventory storage cost.

“About 80% of what we teach them is talk, listen, and ask open-ended questions about what is important to their customers,” Silva noted. “In addition to probing questions, they’ve had to ask for referrals, and they have been able to branch out and build foundations as they move out of their comfort zones.”

The students have also been inspired by speakers from companies with histories of enviable growth, including the chief strategist at Yankee Candle and the CEO of FloDesign Sonics.

As a result of their shared experiences, new alliances have been forged between these competitors who often didn’t know each other well before the class; for example, Deckers’ son recently helped Walmsley with search-engine optimization.

“The group members have come to know each other and want to help each other,” Decker said. “We all have similar issues, and if we can bond together, we’ll be stronger as a group as well as individually.”

Fruitful Lessons

The pilot program will end Jan. 30, and putting lessons to work will not be easy.

“It’s almost human nature to fall back into old habits, but we believe our students can be successful, and we truly want that to happen,” Silva said.

The course, he added, has been aimed at helping them discover how they can add jobs and increase revenue by working differently, and it will take time to digest and implement the lessons. “It’s been painful for every single one of the participants to be in the class.”

But the ultimate goal is for them to use the skills and expertise gained from decades of manufacturing in a new way that keeps pace with today’s ever-changing marketplace.

Company Notebook Departments

Berkshire Bank Announces New Teen Checking Product

PITTSFIELD — Berkshire Bank announced a new product, Teen Checking, its newest deposit product designed to promote financial responsibility and teach teens important money basics. As teenagers grow, they need to learn money basics, and that includes managing a checking account. Those skills might be more valuable today than ever before: 36% of college students at four-year institutions noted that overdrafting and managing a bank account are the leading causes of financial stress, according to the 2015 Money Matters on Campus survey by education technology firm EverFi and Higher One, a college financial-services company. Furthermore, 12% indicated they never check their balances because they are too nervous. The Teen Checking product is available to individuals aged 15 to 17 with an adult co-owner and is intended to provide teens the freedom to use their own debit card to make purchases and manage a checking account using online and mobile banking. The account has been tailored to meet the needs of teens, with a specific focus on immediate access. The convenience of account information is made possible through free online banking, e-statements, and mobile banking. In addition, the free debit card has a reduced limit for minors. Berkshire Bank’s website also provides financial-education resource options for teens and parents to explore and discuss. Starting a checking account early for teens is a key way to avoid pitfalls later. “It helps them learn concepts related to money and gives them valuable experience,” said Tami Gunsch, executive vice president, Retail Banking. “Remember that, while your child has watched you swipe a debit card for years, he or she may not fully understand how the transaction works.”

Couple Opens Baseball, Softball Training Facility

WESTFIELD — Dave and Karen Sweeney of Agawam recently purchased the assets of the former Extra Innings Westfield franchise from Nabil and Julie Hannoush of Westfield. On Nov. 1, they opened their own family-run baseball and softball training facility, Players Edge New England, in the same space at 99 Springfield Road, which they will lease from the Hannoushes. Like its predecessor, Players Edge New England will offer batting practice and player development to teams and individual baseball and softball players in the region, and the organization will also offer one-on-one coaching, practice space for the Players Edge Expos—a travelling youth baseball team—and group clinics for teams throughout the year. “We’re as committed to softball as we are to baseball,” said Dave Sweeney, co-owner. The facility is also open to the public daily from noon to 9 p.m., and is available to businesses and corporations as staff meeting, event, and retreat space. Additional hours are available upon request. Sweeney, a longtime entrepreneur and the owner of viz-bang! in Agawam, is excited to partner with his wife, Karen, in a venture that will also include their children, Jake Sweeney, 16, a pitcher and infielder on the Agawam High School varsity baseball team, and Julia, 13, who is active in swimming and music. Players Edge New England will offer tunnel rentals, or batting-cage rentals, for individual practice and player development; one-on-one coaching through the Coaches in Residence Program; practice space for the Players Edge Expos, a youth travelling baseball team that will compete in the NEAAU league this summer; ongoing group clinics for baseball and softball teams in the region; event space for area businesses and corporations; softball and baseball pitching machines for use by the public daily from noon to 9 p.m.; and video- and virtual-based baseball play via a Hit Trax machine.

Webber & Grinnell Employees Assist Area Homeless

NORTHAMPTON — For three weeks in November, employees of Webber & Grinnell Insurance Agency served meals to Friends of the Homeless clients and others in the community who would otherwise go hungry. Friends of the Homeless served more than 156,000 meals last year, he noted, and people suffering from mental illness or substance-abuse problems are highly visible on area streets and in parks, and of this homeless population, about 20% of are referred to as being chronically homeless. A profound economic transformation that has eliminated manufacturing jobs, coupled with a decline in the availability of low-cost housing, has contributed to the problem.

CJC Development Advisors Opens Office in Westfield

WESTFIELD — CJC Development Advisors, LLC has opened an office at 38 Elm St. in Westfield to support its growing client base in Western Mass. Local businesses that are growing and real-estate developers that are investing in projects have called on CJC Development Advisors to assist with tax incentives, development and permitting issues, and development management. CJC Development’s expertise is in land/real-estate development, construction project management, government relations, community relations, permitting, data, and financial analysis. Founder and Principal Jeffrey Daley has more than 15 years of experience in economic development, real-estate development, construction project management, government relations, and public-private partnership development. He has managed more than $500 million in private and public developments and program administration, and has managed projects ranging from $50,000 to $180 million.

Daily News

HOLYOKE — The Greater Holyoke Chamber of Commerce gave its 2016 Chamber Ambassador of the Year Award to Katherine Buckley, personal customer service representative at Goss & McLain Insurance.

“It is our privilege to honor Katie Buckley for her volunteer efforts on behalf of the Greater Holyoke Chamber of Commerce,” said Kathleen Anderson, chamber president. “We value her enthusiasm, energy, and the support she brings to the chamber ambassador committee. Katie goes over and above her role as an ambassador in welcoming people to our events and networking opportunities.”

Added Wanda Zabawa, business manager and chamber ambassador committee coordinator, “we’re grateful for the service and dedication that Katie has demonstrated on behalf of the chamber. Our ambassadors are crucial to the success of our mission to support our members and local businesses.”

The chamber’s primary role is to provide support and resources to its existing members in order for them to prosper and grow. The goal and messages of the chamber are carried to members through the ambassadors as they disseminate information to members and the community. Ambassadors help to familiarize current and prospective members about the chamber and its services and benefits, while helping businesses get the greatest return on their membership investment.

Buckley started with Goss & McLain in 2009 shortly after her graduation from Endicott College. She is a Leadership Holyoke graduate and became a chamber ambassador in 2012. She serves on the board of the Holyoke Merry Go Round and is a Holyoke Rotarian, as well as an active member of the Junior League of Greater Springfield.

Buckley received the award after accumulating the most credits through volunteerism and participation throughout the year. Buckley and her manager, Deborah Buckley, president of Goss & McLain Insurance, will be honored at the chamber’s Holiday Business Breakfast on Wednesday, Dec. 14 at the Log Cabin. Tickets cost $25. To register, visit holyokechamber.com.

Daily News

NORTHAMPTON — For three weeks in November, employees of Webber & Grinnell Insurance Agency served meals to Friends of the Homeless clients and others in the community who would otherwise go hungry.

“During this time of thanks, we felt it important as a local business to give back to those less fortunate,” said Mat Geffin, vice president.

Friends of the Homeless served more than 156,000 meals last year, he noted, and people suffering from mental illness or substance-abuse problems are highly visible on area streets and in parks, and of this homeless population, about 20% of are referred to as being chronically homeless. A profound economic transformation that has eliminated manufacturing jobs, coupled with a decline in the availability of low-cost housing, has contributed to the problem.

Daily News

HOLYOKE — The Holiday Business Breakfast of the Greater Holyoke Chamber of Commerce, sponsored by Holyoke Gas & Electric and United Bank, will be held on Wednesday, Dec. 14 at 7:15 a.m. at the Log Cabin.

Salutes will be given to Michael McManus of Holyoke as the new superintendent of the Department of Public Works; the 40th anniversary of Mountain View Landscapes; Clayton Insurance on its 50th anniversary, as well as to the chamber’s newest members, New Horizon, Mask Makers, and Ramos Electric. Also recognized will be the 2016 Chamber Ambassador of the Year, Katherine Buckley of Goss & McLain Insurance.

The Holiday Pop-up Shop is set to debut at the breakfast. Sign up for a vendor table at $25 each when making the breakfast reservation to take part in the chamber’s newest holiday tradition. It is an opportunity to showcase merchandise to other chamber members and guests during this busy shopping season. Vendors who sign up for and participate in the pop-up shop will be refunded $15 for their marketing table, making it a bargain at only $10.

The chamber’s ornament promotion will be in full swing and will feature Mountain Park, Soldiers’ Home of Holyoke, and St. Patrick’s Day Road Race ornaments at $20 each.

Reservations may be made online at holyokechamber.com. Tickets are $25 for members if purchased before Dec. 9 and $30 for all other tickets. Guests are encouraged to bring men’s, women’s, and children’s warm socks to be distributed to those in need by Providence Ministries.

Daily News

NORTHAMPTON — Anne Stout has recently been appointed director, Business Development, for Webber & Grinnell Insurance. In this role, she will build market position by locating, developing, defining, and acquiring new clients.

Having previously worked at Toole Insurance and Pitney Bowes Inc., Stout has more than 20 years of success in marketing and consistently strives to maximize the reach, efficiency, and business impact of strategic relationships.

In keeping with the agency’s mission, she is committed to the community. She has held roles as vice president, Membership for Berkshire Business and Professional Women and served on the United Way resource development committee.

Daily News

HOLYOKE — The Dowd Insurance Agencies announced that David Griffin Sr. was selected as treasurer for the new Pope Francis High School board of directors.

Pope Francis High School is a faith-based, college-preparatory school serving grades 9-12, formed through the merger of Cathedral and Holyoke Catholic high schools, and currently operating out of the former Holyoke Catholic building. A new, state-of-the-art facility is under construction on Wendover Road in Springfield and is slated to open for the 2018-19 academic year.

“I have strong ties with both legacy schools — I’m an alumnus of Holyoke Catholic, and three of my children were educated at Cathedral,” Griffin said. “Participating on the new Pope Francis High School board is one way I can help ensure that Catholic secondary education remains a viable option here in the Pioneer Valley.”

Griffin is a principal and the executive vice president and treasurer of the Dowd Insurance Agencies. He has more than 35 years of experience in the insurance industry. He is a licensed insurance advisor as well as a certified insurance counselor.

Griffin is also very active in the community. He has served as president of the West Springfield Chamber of Commerce, West Springfield Rotary, Holyoke St. Patrick’s Parade Committee, Springfield Country Club, Hampden County Insurance Agents, and chair of Mont Marie Health Care Center.

Sections Women in Businesss

The Producers

Gaudreau Group

Jules Gaudreau stands in the middle of a long line of women in key positions at the Gaudreau Group.

The Gaudreau Group in Wilbraham is like most other insurance and financial service agencies in terms of the products and services it offers to clients. It is different, though, in the fact that an extraordinarily large number of high-level positions have been filled by women. This development wasn’t exactly planned, but then again, it wasn’t really an accident, either.

Jules Gaudreau has been in the financial services field for more than three decades, more than enough time to know that this industry has moved well beyond that old catch-phrase ‘the insurance man.’

Until fairly recently, it was, in fact, a man who sold you insurance and updated your account when it needed updating, said Gaudreau, adding that while women have been a big part of this business for decades, their roles were generally restricted to service work, especially in personal lines.

That’s were. Indeed one doesn’t hear that phrase ‘insurance man’ much anymore. And this is especially true at Gaudreau, where one might only hear it in the context in which the company’s president used it — as an anachronistic descriptor better suited to another decade.

And also, and this is more important, that phrase wouldn’t in any way be an accurate method of describing the workforce at this Wilbraham-based company.

The firm has what would, by almost any measure, be considered a large and impressive number of women in top positions, with many of them serving as ‘producers,’ as they’re called in this business.

This development wasn’t exactly planned, meaning the company didn’t set out to create this kind of gender balance in such positions, said Gaudreau, adding quickly that it didn’t really come about by accident, either.

Instead, the current situation materialized through an atmosphere that certainly encourages women to consider and then seek out producer roles, said Gaudreau. But more importantly, it developed because of solid role models, effective mentoring, teamwork, and the success of those who have put some non-traditional titles next to their names on their business cards.

“I really believe in a meritocracy,” he explained. “The women in my firm are where they are because they’re really good at what they do. They just happen to be female.”

BusinessWest talked with three of these women, all producers. They have different stories, and took different paths to get where they are, but there are many common denominators — from simple business ambition to a desire to work in a position where they can help people.

Judy Davis

Judy Davis

Judy Davis, an employee-benefits strategy advisor, was a long-time dental hygienist when she decided she needed something else. “I didn’t want to be in a room looking inside mouths all day — and people didn’t seem to like my bubbly personality,” she explained, adding that she segued into financial services and has spent the past 34 years in the field, never once choosing to look back.

“I answered an ad in the paper, back when there were help-wanted ads in the paper, and was hired by a very powerful MassMutual agent, and worked for him for two years,” she explained. “I was a sponge; I just loved insurance — I really became interested in the field.”

She said she’s been recruited to several jobs within the industry — joining Gaudreau this past spring — and at each stop “wanted to be the boss; I wanted to be in charge, a leader in the business.”

Jenny MacKay

Jenny MacKay

Jenny MacKay, a member of BusinessWest’s most recent 40 Under Forty class, had mostly the same career goals, only she didn’t have to shift her employment focus. She was still a student at Western New England University, majoring in financial services, and not at all sure what she would do with her degree, when she attended a presentation by a panel of speakers comprised of WNEU management graduates.

One of them was working for Northwestern Mutual, and her remarks certainly caught MacKay’s attention.

“He started out in the internship program at Northwestern, and he walked into the downtown Springfield office, saw its high ceilings, beautiful offices, powerful people, and everyone driving a Lexus,” she recalled. “And he said, ‘I wanted to drive a Lexus, so I started an internship there.’ And before the talk was over, I decided I want to drive a Lexus, too, and I started an internship there.”

Moving the story forward, she said she had a license to sell insurance before she could legally buy alcohol.

Tracy Goodman

Tracy Goodman

As for Tracy Goodman, she refers to her present role in personal insurance sales as an “accidental career,” but also “where I should be,” which means this isn’t really an accident.

She started out in human resources, took some time out to raise a family, and, during that time, realized that she needed to get back in the business world. She began at an AFLACK office, and soon after arriving a manager asked what she was doing behind a desk when she should be out selling. And that’s what she’s been doing ever since.

For this issue and its focus on Women in Business, we talked at length with Davis, MacKay, and Goodman about not only their success in this field, but also why women can, and usually do, thrive in these roles and consider them an attractive career option.

Policy Shift

To help explain the way things are now (especially at his firm), and why, Gaudreau first did some flashing back 40 or 50 years ago, using his own memory and anecdotal evidence to get his points across.

“When I first came into the business, what women did was serve as service people,” he explained. “Most of it was because that’s where women entering the workforce in the 1940s went — service.

“MassMutual had these giant typing pools, huge rooms filled with women,” he went on. “When you needed something typed, you’d hit a button, and one of the people who didn’t have anything to type came up and grabbed what you needed done. It was very random.”

Things changed, he went on, because the modern consumer changed, he told BusinessWest, and so did selling methods to a large degree.

“It’s not about telling and yelling and selling anymore, which was the traditional optic of what the insurance guy was like — the insurance man,” he went on. “Telling people and then selling them — that’s what’s he did. Today, it’s much more consultative, and I think women have much more ability to listen, to learn, build rapport, and solve problems. What people are looking for is servant leadership; they’re looking for people to listen to them and solve their problems, as opposed to telling people things.”

Davis agreed, and, without stereotyping either gender, said women, by and large, possess more of the qualities customers are looking for in a salesperson, especially those related to listening and solving problems.

“I have a very large book of business in employee benefits and passion for my clients,” she explained. “I think my clients feel that, and this is what helps us become successful women in business.”

She said employee benefits has become a very complex matter in recent years, especially for smaller companies that lack their own, dedicated human resources department, and must navigate a sea of products, programs, and corresponding acronyms, themselves.

Such firms need a partner, she said, and women possess many of the skills required to serve in that role.

“We’re an extension of a human resource department,” she explained, “and people value our input.”

MacKay concurred, noting that early on (remember, she got her insurance license at age 20) she decided she would rather work with business owners than a husband-and-wife team gathered around the conference room table.

“Business owners just seem to get it and understand why insurance and financial services is important,” she explained. “And this led me down the path to employee benefits, because I could then work with business owners on a regular basis. My problem was I didn’t know anything about health insurance.”

Suffice it to say, she’s learned, first while serving the accounts of producers, and then becoming one herself.

Summing up her career to date, she said she always possessed an interest in financial services — and in selling — but needed some direction when it came to determining that this is what she should be selling.

Sales Force

Goodman’s story is somewhat similar. When she was told that she shouldn’t be behind a desk and should instead be out selling, she had her doubts, to say the least.

“I laughed and said ‘that’s ridiculous,’” she recalled. “I went home, and every single person in my family and personal world said ‘thank God you finally realized that you’re supposed to sell.’

“I started winning trips, doing great, and meeting all my numbers,” she went on, adding that she was recruited by another insurance company to grow personal lines before joining Gaudreau last April.

She said that while her story is unique in some ways, there are many women who don’t believe they should be in sales or financial services, for whatever reasons, and they are possibly overlooking a career option that enables them to put their strengths to work in a way that’s rewarding on many levels.

She summed it up by relating a recent meeting with a client that speaks to not only her acquired talents, but the basic skills possessed by many women — whether they know it or not.

“I sat down with a business owner and we walked through all of his insurance, and the end, he said ‘I have been waiting for years for someone like you to help me understand what I have, what I need, and what kind of coverage I should own.’

“I like that challenge,” she went on, hinting strongly that other women might, as well. “Every case for me is different, and I like solving the problem and closing the sale.”

MacKay echoed those thoughts, adding that sales work is, in many ways, entrepreneurial in nature, and many women have such tendencies — again, whether they know it or not.

“I came from a family of all entrepreneurs,” she said, noting that they all own different court-reporting operations. “So I grew up with the entrepreneurial spirit of freedom of work, working for yourself, making your own decisions about how you spend your valuable time.

“This role here allows me the best of both worlds,” she went on. “I get to work for an employer where there’s training and there’s leadership, and someone to hold my hand and teach me new things, so I’m not completely out there on my own. But as a producer, I’m in charge of my own income destiny, I’m in charge of my own time, I can make my own decisions about what I want to be and what I want to do. Many women would thrive in such situations.”

The Bottom Line

MacKay actually eschewed the Lexus in favor of a BMW. But the point to the exercise hasn’t changed, even if the hood ornament has.

There are rewards in sales and across the broad financial services sector, she and the others we spoke with said using one clear voice. Sometimes women get into this field by accident, but success doesn’t come accidentally.

It comes from hard work, listening to the client, and working in a partnership to solve a problem. These are talents that most women possess or can attain, and therefore they should not close the door on this career option.

By being proactive — and entrepreneurial — they can further retire that phrase ‘insurance man.’

George O’Brien can be reached at [email protected]

Environment and Engineering Sections

Beneath the Surface

The ground beneath the former Westinghouse manufacturing plant

The ground beneath the former Westinghouse manufacturing plant is cleaned up by OTO so Chinese rail car maker CRRC MA USA can build a factory there.

The firm known colloquially as OTO has been involved in most of the major building projects that have taken place across the region in the past few decades — everything from the major addition at Baystate Medical Center to construction of a subway-car manufacturing plant in Springfield’s east end. But much of the company’s work goes unnoticed, because it takes place before the heavy machinery arrives. To say their work is important, though, would be to only, well, scratch the surface.

Jim Okun and his partners often joke that no one ever sees their best work.

Indeed, it generally takes place where almost no one goes; although O’Reilly, Talbot & Okun Associates (OTO) has been involved in almost every major building project in Western Mass. for the last 20 years, the bulk of work that the specialty geo-environmental engineering consulting firm does is literally beneath the ground.

“Our work often takes place before the heavy equipment shows up,” Okun said about the Springfield firm. “We deal with the environmental safety of soil and water as well as the engineering properties of soil in or around a new development.”

In other words, they determine not only whether the ground is contaminated by pollutants, but also address whether it can and will remain stable beneath the weight of a new structure.

From left, Jim Okun, Mike Talbot, Kevin O’Reilly and Bob Kirchherr

From left, Jim Okun, Mike Talbot, Kevin O’Reilly and Bob Kirchherr specialize in different areas, which gives their firm the ability to handle complex environmental and engineering problems.

Founding Partner Mike Talbot used the Leaning Tower of Pisa as a prime example of what can go wrong without a preliminary assessment.
“The tower is a classic case of building on bad soil,” he said, explaining that it was erected on a former river estuary and sank into the ground due to the soft, sand-like texture of the dirt under the south side of the monument.

Today, thanks to geo-engineering research and best practices, things like this can be prevented, but it takes expertise combined with creative thinking to solve problems in a way that saves time and money, qualities that are generally unexpected since issues are fairly common.

For example, OTO was recently called to assess a building site in Holyoke, and although the surface appeared clean, research showed it had been home to a former mill, and hazardous materials were found in the old cellar hole area.

Although some companies would have removed all of the contaminated soil and taken it to a landfill, OTO found a way to improve and compact the dirt so it didn’t present any safety risk to humans and could withstand the weight of a new building, steps that ultimately saved the developers a substantial amount of money.


List of Engineering Firms in the Region


The firm also addresses issues that come to the surface when contaminants are found in buildings set to be demolished, or environmental issues are uncovered when a business or school starts to make improvements to, or put an addition on, an existing structure.

“We’re not really consultants, we’re problem solvers,” said Partner Bob Kirchherr. “We stay current with changing regulations and by combining our skills and using scientific techniques we are able to find cost-effective solutions that allow new structures to be built.”

OTO’s work involves an equal mix of projects for commercial, institutional, and government clients across New England and includes asbestos consulting, environmental assessments, geotechnical engineering, human health risk assessment, and related practices. They also work with homeowners on issues such as cleanup after an oil tank has leaked.

About 70% of its jobs are in Massachusetts, but over the past few years its reputation has led to work in other states, and the firm has projects underway in Connecticut; it just started two in New Orleans, and is about to begin one in Dallas.

“Clients like our approach to solving problems,” O’Reilly said, noting that the company uses scientific methods and regulatory knowledge to resolve challenging situations in a way that is practical, pragmatic and cost-effective.

For this edition and its focus on Environment & Engneering, BusinessWest looks at some of the “invisible” problems that O’Reilly, Talbot & Okun Associates has uncovered and what they have done to solve them.

Diverse Talents

The company was founded in 1994 by Kevin O’Reilly, Mike Talbot, and Jim Okun who had worked together at another environmental consulting/engineering firm and wanted to go off on their own.

They set up shop in East Longmeadow, but two years later merged with Enviro Comp in Springfield and moved the business to Springfield.

Kirchherr joined the trio as their fourth partner at the time of the merger.

“It was a good fit because there was a lot of synergy. We had worked on projects together,” O’Reilly said, noting that the merger allowed them to expand the services they offered because Enviro Comp specialized in asbestos remediation, industrial monitoring, and compliance with regulations.

Today the firm has 30 employees, and each partner has a specialty that complements the others and allows the firm to deal with complex projects from start to finish.

O’Reilly focuses on environmental consulting and compliance in Massachusetts, and investigates and plans for the cleanup of waste disposal sites, including brownfields.

Cleaning the soil after an oil leak at a home

Cleaning the soil after an oil leak at a home is one of the most stressful jobs the firm encounters due to the anxiety it causes homeowners.

Talbot concentrates on geotechnical engineering and Massachusetts Contingency Plan compliance; Okun also focuses on MCP compliance; but his expertise includes PCB (polychlorinated biphenyl) assessment and management; risk assessment and brownfields development.

Kirchherr specializes in asbestos management; indoor air quality and industrial hygiene; safety and environmental compliance; and lead inspection and management.

“Most companies don’t have the skills needed to deal with environmental, soil, and building issues so people come to us because we do it all,” Okun said.

Talbot noted that people often drive by sites and wonder why they have remained vacant, but in those instances there is usually a problem because banks require an environmental site assessment before investing in a project because they want to understand the risks and costs associated with building.

The principals at OTO say there are few sites today without problems, because almost every desirable business location has had at least one building on it and when they are demolished, it’s uncommon to find clean soil beneath.

“Today every site has challenges and every project requires all of our skills,” Talbot told Business West.

For example, a few weeks ago a seemingly straightforward job suddenly turned complex. The firm had been hired to investigate the foundation of an existing building that a client wanted to repurpose, but it discovered that it had once served as a gas station and had to be torn down.

Problems also arise due to chemicals called PCBs that were used in building materials in the U.S. between 1950 and 1979.

Kirchherr says the caulk around windows in schools often contains PCB’s, so when a city or town decides to replace single panes with energy efficient glass, the putty has to be tested and toxic ingredients in the caulk can complicate the project.

Unearthing Solutions

Projects the firm has undertaken range from work at individual homes and in large buildings and developments, and include the new addition to Baystate Medical Center and the recently built Roger Putnam Vocational Technical High School. OTO also recently completed work for Chinese rail car maker CRRC MA USA which is building a factory in Springfield on the site of the former Westinghouse manufacturing plant. It was a brownfields site, and OTO assisted the former owner with cleanup, including asbestos removal in the old building, but then had to make sure the soil met standards that would allow CRRC to build there.

Talbot said the land contained a lot of loose soil and the firm designed a solution to compact it using a special technique that will allow it to support the weight of the rail cars manufactured inside the building. It then provided engineering services to design a new foundation.

The revitalization of Ludlow Mills was another project that required considerable environmental remediation, and the firm worked closely with Kenneth Delude, recently retired president of WestMass Area Development Corp. on that project; and also helped get Lee Premium Outlets off the ground, assistance needed because a portion of the land near the entrance was once home to a mill that dated back to the Civil War.

Clients include the Diocese of Springfield; Smith College; Amherst College; Springfield College; American International College; and private schools such as Williston Northampton School in Easthampton, and projects include work at Six Flags New England that was necessary before rides such as the Superman Coaster could be built.

And in some instances, the firm has been at a site almost immediately after a problem is discovered. For example, 15 minutes after the 2011 tornado finished wreaking havoc throughout Western Mass, Kirchherr walked down to a family member’s home across the street from the former Cathedral High School and helped efforts to stabilize the building with the Diocese of Springfield’s emergency response team.

“We identified long-term safety related issues with regards to a potential renovation because it was not known at the time if the building would be reused,” Kirchherr said, explaining that their work included litigation with the insurance company because the initial settlement offer was inadequate.

“It was a very complex project that required a lot of interaction with the Federal Emergency Management Agency, but we provided services throughout the process,” he continued, adding that he serves on the Diocese of Springfield Building Commission and is a member of the board of trustees for St. Michael’s Academy.

O’Reilly Talbot & Okun has also undertaken a lot of preconstruction work for the City of Springfield. A site assessment before the Basketball of Fame was built turned out to be another involved project, because 19 buildings had to be demolished to make room for the new museum.

“We also provided litigation and oversight assistance when the former Union Station in Springfield was taken by eminent domain,” Kirchherr said, adding they worked on that project from start to finish.

The firm’s residential jobs often involve leaking oil tanks, which is difficult work.

“You can only dig so far under a house without undermining the foundation, and you have to meet stringent soil and groundwater standards. Vapors can rise from the ground, get into the house and cause risk to occupants, and the oil can also impact a person’s neighbors as it can migrate into groundwater,” O’Reilly said, explaining that in some cases a ventilation system must be installed to pipe air from below the floor of a home into the atmosphere for years after the leak.

“These are the most stressful projects we do because they affect people personally,” he said.

Changing Landscape

Ensuring that soil is clean and the ground is stable for new projects, along with assessing old buildings for environmental hazards before they are reused or torn down are services that fall under the umbrella of O’Reilly Talbot & Okun Associates.

“It’s a very dynamic field so we keep on top of all of the regulatory issues,” Talbot said. “New solutions to old problems come up all the time, and we offer the latest and best practices available.”

So even though the work they do is something most people never see or even think about, it has been critical to economic growth in Western Mass. and always begins far below the ground.

Court Dockets Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

Franklin Superior Court

K & K Acoustical Ceilings Inc. v. Shawmut Woodworking & Supply Inc. and Travelers Casualty and Surety Co. of America
Allegation: Monies owed for labor and materials: $44,469.32
Filed: 10/20/16

Susan Boss v. Town of Leverett and Leverett School Committee
Allegation: Failure to pay agreed-upon insurance premium costs: $3,000
Filed: 10/21/16

Franklin District Court

A.I.M. Mutual Insurance Co. v. Triple D Inc.
Allegation: Monies owed for unpaid workers’ compensation premiums: $5,102
Filed: 10/17/16

Naveed Butt v. BMW of Riverside, LLC a/k/a BMW of Riverside
Allegation: Breach of contract, unfair trade acts and practice: $18,000
Filed: 10/27/16

Pure Pro Massage Oils Inc. v. Polysciences Inc.
Allegation: Breach of contract, negligence: $5,940
Filed: 10/31/16

Hampshire Superior Court

Main Street America Assurance Co. as subrogee of Hai Cheng d/b/a International Food Market, Wing Wong LLC, and Greggory Thornton d/b/a Greggory’s Pastry Shop v. Alliance Laundry Systems LLC, Robertshaw Controls Co. Inc., Richard Czarniecki individually and d/b/a Hadley Coin Op Laundromat
Allegation: Subrogation claim: $426,166.31
Filed: 10/18/16

Mi Tierra Corp. v. Alliance Laundry Systems LLC, Robershaw Controls Co. Inc., Richard Czarniecki individually and d/b/a Hadley Coin Op Laundromat, Norwottuck Inn Holding Co., and Encharter Insurance LLC
Allegation: Negligence causing personal injury and property damage: $297,636.46+
Filed: 10/25/16

Peerless Insurance Co. a/s/o Norwottuck Inn Holding Co., et al v. Alliance Laundry Systems LLC, Robershaw Controls Co. Inc., Richard Czarniecki individually and d/b/a Hadley Coin Op Laundromat
Allegation: Negligence, property damage, and products liability: $4,186,353.38
Filed: 10/26/16

Ace Fire and Water Restoration Inc. v. Stephen M. Bishop and Jacqueline G. Bishop
Allegation: Monies owed for services, labor, and materials: $38,569.50
Filed: 11/9/16

Bozzuto’s Inc. v. Serios Inc. d/b/a Serios Market
Allegation: Monies owed for goods sold and delivered: $32,349.40
Filed: 11/10/16

Gerard Provost v. Commonwealth of Massachusetts
Allegation: Negligence resulting in fall down stairs at McGuirk Stadium at UMass Amherst causing injury: $56,799.76
Filed: 11/3/16

Hampden District Court

Barbara Bushey v. Wal-Mart Associates Inc.
Allegation: Violations of wage-and-hour laws, unpaid wages: $18,529.56
Filed: 11/15/16

Westfield District Court

Ethan Senterfitt v. Salona America
Allegation: Breach of contract; monies owed for services rendered: $2,474.79
Filed: 10/25/16

Departments People on the Move

HUB International New England, a division of HUB International Limited, announced that, effective Dec. 1, Timm Marini, will lead the Personal Lines Division for HUB International New England. This is in addition to his responsibilities of overseeing the Western Mass. offices and serving on HUB’s executive management team. Marini will lead the Personal Lines teams, which consist of close to 150 employees in more than 20 offices located throughout Massachusetts, New Hampshire, Maine, and Rhode Island. His areas of focus will be developing and implementing sales and marketing strategies that result in value and pricing options while always meeting the underlying goal of delighting the customer. “Developing an exceptional team is imperative in this fast-paced, technology-driven industry,” said Charles Brophy, CEO and Regional President, Eastern Region of HUB International New England. “The first person that came to mind for this position, without a doubt, was Timm Marini. His vision, leadership abilities, skillful thinking, discipline, and tact for customer service will be a great benefit for HUB New England as we continue to grow and expand into new markets.” HUB New England was built through partnerships with long-standing, local brokerages housing years of experience in consulting on property and casualty insurance, personal insurance, and employee-benefits programs for New England businesses and individuals. As a full-service brokerage, HUB New England has access to the resources of a large, international company with local service and expertise.

•••••

Jeffrey Sullivan, chairman of the Greater Holyoke Chamber Centennial Foundation, announced that Tessa Murphy-Romboletti was chosen to lead the Foundation’s entrepreneurship program, known as SPARK. She was chosen by a committee made up of Holyoke’s entrepreneurial ecosystem partners, including Hilda Roque of Nuestra Raices, Maria Pagan of the Holyoke Public Library, Harry Montalvo of Easthampton Savings Bank, Jeffrey Hayden of Holyoke Community College, board chairman Jeffrey Sullivan, and Kathleen Anderson, president of the Chamber Foundation. “As the new SPARK program manager, Murphy-Romboletti will oversee the Co-starter Launch Class, develop programming for entrepreneurs and small businesses to help them overcome hurdles in opening their own business, and work with mentors and those that can offer some expertise to new business owners,” Sullivan said. “Murphy-Romboletti will also be responsible for development, fund-raising, and community outreach.” Added Anderson, “we are extremely excited to have Tessa join our team. The interview committee chose Tessa to lead this effort because of her expansive knowledge of the city, especially the central business district, her knowledge of the SPARK program, and her skills in grant writing, which will go a long way in the development of the SPARK program and building Holyoke’s entrepreneurial ecosystem.” Murphy-Romboletti has worked for the city of Holyoke for the last five years in both the Office of the Mayor and currently as development specialist for the Office of Planning & Economic Development. In this role, she has provided assistance to both new and existing business owners while acting as a project manager for several development projects within the city’s urban-renewal plan. Her experience in project management, grant writing, and communications, along with her experience working in the public sector, will serve the organization in its continued efforts to support Holyoke’s entrepreneurial community. “I have always been inspired by SPARK’s goal to identify and develop home-grown talent from residents within the city in order to create jobs, expand our tax base, and fill vacant space,” Murphy-Romboletti said. “I’m so thankful to have had the opportunity to work for the city that I love for the last four years, where I’ve met great people and passionate members of our community. I am looking forward to continue working with residents and business owners in this new capacity, and can’t wait to get started.”

•••••

Thom Fox

Thom Fox

Giombetti Associates recently welcomed Thom Fox as its new Chief People Officer. Since 2013, Fox has managed a strategic consultancy focused on revenue and profitability solutions through the discovery of what customers want and don’t want. With a command of the fact-finding process and mastery of asking deeper-level, thought-provoking questions, he worked with stakeholders to build strategies yielding a larger likelihood of success. These solutions earned his clients a tremendous amount of personal and professional growth. Prior to founding his consultancy, Fox served for 18 years at a social enterprise, helping to build the organization from a startup into a national brand producing an excess of $50 million in annual revenues. He served in a variety of roles, including education coordinator, marketing director, community outreach director, author and subject-matter expert, spokesperson, and strategist. Fox’s advice has been featured in media outlets such as Forbes, MarketWatch, the Huffington Post, Fox Business, and others. He is also an award-winning philanthropist, volunteering as a board member for Suit Up Springfield, and supporting the business community as a facilitator for Valley Venture Mentors, producer and host of The Engine on NewsRadio 560 WHYN, and a member of the Pioneer Valley Planning Commission’s Plan for Progress Committee. Throughout his career, Fox has built partnerships and relationships, engaged people in taking an active participation in their own growth and development, and coached entrepreneurs and community leaders to embrace change. Working in these collaborative settings, he experienced the toll that failure (and success) plays in a team dynamic. These experiences ignited a passion within him to motivate people to move in the same direction, believing that, if they do, they can reach any destination they choose. These experiences also instilled within him the desire to help people, teams, and organizations reach their full potential — a natural fit with the core beliefs at Giombetti Associates. Fox will be charged with continuously improving the design and content of various team-building and leadership-development offerings. He will help deliver and facilitate team-building initiatives, learning workshops, and coaching to individuals and executives alike. He will also support Giombetti’s effort to solve one of its clients’ ongoing challenges: finding good people. He will help ensure that clients have enhanced access to high-performing individuals and innovative leadership training. As an entrepreneur and consultant, Fox understands the challenges of starting and scaling a business. His time in corporate America also exposed him to the damages created by telling people what they want to hear. He has worked with Silicon Valley-based ventures, mom-and-pop startups, and established businesses on their way to becoming multi-million-dollar ventures. Throughout it all, he has maintained the philosophy that people are transformed through lovingly critical feedback and supportive services empowering them with the ability to become the best version of themselves. Giombetti Associates is a leadership institute providing pre-employment assessment, leadership training and development, team building, talent sourcing and acquisition, conflict resolution, strategic business coaching, M&A consulting, and a few other areas of expertise, with personality and behavior serving as the foundation to all of them.

•••••

OrthoLite, a leading provider of comfort and performance insoles, announced three new additions to its marketing and sales team, including Dan Legor as Director of Marketing; Andy Downes as Sales Manager, Key Accounts; and Matt Hennessey as Sales Manager, Performance East. These new appointments will support OrthoLite’s dedication to strengthening partner relationships across the globe. In his new role, Legor will manage all aspects of marketing while elevating the brand’s global marketing and branding strategies. As an accomplished senior marketing professional, he brings more than 20 years of experience to OrthoLite. Most recently, he was the director of E-commerce at Lindt & Sprungli, and prior to that he was the head of U.S. Marketing at ECCO Shoes, senior Marketing manager at Timberland, and Retail Marketing manager at the Rockport Co. Downes brings more than 20 years of product and sales experience to OrthoLite, and was most recently the Key Account sales manager for Inov-8 footwear. During his 13 years at Nike, he held sales and product-related roles in a variety of business units such as Running Specialty, Custom Footwear, and Special Make-up Groups. From Nike, he joined Adidas as category manager, Running Footwear for several years before moving to Innov-8. Hennessey brings more than 16 years of senior-level sales and development experience to OrthoLite and most recently was the Product Development manager at Sperry. Prior to Sperry, he was a senior Development manager at Under Armour Footwear and a senior developer at New Balance Footwear, along with holding the National Sales manager position at Xterra. “We’re thrilled to have these dynamic professionals joining our team and helping to drive continued growth within each of the key sales channels,” said Pamela Gelsomini, OrthoLite president. “The number-one priority of the sales and marketing team is to help our footwear partners sell more shoes by delivering the most comfortable product to their consumers. This has fueled our success together over the years, so we will continue to invest in ways to help each of these brands exceed their goals with OrthoLite. Dan’s deep leadership experience in brand strategy will help to shape new marketing initiatives with our footwear partners and with the brand overall. Andy and Matt also share OrthoLite’s unwavering commitment to deliver world-class service and collaborative support.”

•••••

Emily Doucette

Emily Doucette

FIT Staffing, an information-technology staffing and recruiting company based in Springfield and Enfield, Conn., announced that Emily Doucette has joined the team as a technical recruiter. Doucette has extensive recruiting and HR experience in the information-technology and aerospace-engineering industries. At FIT, she is responsible for sourcing and screening technical talent for Massachusetts and Connecticut clients. She has a bachelor’s degree in business management and an MBA from Springfield College. She is also a member of the adjunct faculty at Springfield College and teaches business management to undergraduate students.

•••••

Northeast IT Systems Inc. announced Joe Bishop as the latest addition to its growing team. Bishop spent four years at Yankee Candle, where he was a candle maker. He then went on to work at NCR Corp., where he spent two years working on POS systems and ATMs. His latest work experience included working for an IT company for 10 years as a PC technician. When asked what got him interested in computers, Bishop accredited it to having a computer at a young age — his first one, in fact, at just 4 years old. He and his grandfather would spend time on the computer downloading games after school. When it comes to his profession, he said he s always learning new things. “There is so much to learn in the IT field that there’s never a dull moment.” Bishop studied computer networking at Porter and Chester Institute in Chicopee. His certifications include Network+, A+, MCP, and CCNA.

•••••

Kim Lavallee

Kim Lavallee

Carrie Muller

Carrie Muller

DiGrigoli Salon announced that Kim Lavallee has been promoted from Master Stylist to Elite Stylist, and Carrie Muller has been promoted from Junior Stylist to Senior Stylist. Both are alumni of the DiGrigoli School of Cosmetology. Lavallee joined the DiGrigoli Salon artistic team in June 2011 and has made major strides in her career since then. In addition to doing hair, Kim is also a skilled makeup artist, both in cosmetic and special effects, and is often featured on WWLP-22News and Mass Appeal showcasing her talents. Muller started with DiGrigoli Salon this past February and has already been promoted twice. As the salon manager, she has many responsibilities, but she remains eager to learn and grow artistically as a stylist. This dedication has resulted in a strong clientele base and a continual refinement of her skills. DiGrigoli Salon, located at 1578 Riverdale St. in West Springfield, is owned by Paul DiGrigoli and has been offering professional beauty services to the public since 1987.

Features

A Builder and a ‘Connector’

Samalid Hogan

Samalid Hogan

Samalid Hogan takes the reins at the Mass. Small Business Development Center at a time when entrepreneurial energy is high in the region, fueled by the growth of programs aiming to help fledgling ventures succeed. It’s an energy that excites and inspires her in this latest challenge in an intriguing, wide-ranging career.

Whenever someone suggests that Samalid Hogan has big shoes to fill — and that’s a common occurrence, to say the least — she’s ready with a witty response.

“I remind them I have size-11 feet … they’re my father’s feet,” said Hogan, noting that she’s made reference to this statistic countless times since she was named successor to Dianne Fuller Doherty at the Mass. Small Business Development Center Network’s (MSBDC) Western Mass. office a few months ago.

And she acknowledges that she needs those large feet.

Indeed, Doherty, who was once the subject of a chapter in a New York Times series of articles on individuals who worked well past traditional retirement age, was at the helm of the MSBDC for more than 30 years (so long, in fact, that BusinessWest founder John Gormally sought out her help when launched the publication in early 1984 — and more than a few times thereafter). She was, in some respects, synonymous with the agency.

But Hogan feels she’s more than ready to take on the challenge of succeeding Doherty and carrying out the agency’s multi-faceted mission, based on her diverse résumé, one that includes her own entrepreneurial undertakings. It comes complete with a number of public-sector stops working with small businesses to help them launch, grow, and succeed.

“In many ways, I’m just doing what I’ve always done throughout my career,” said Hogan of her new role at the MSBDC, an agency that, in a nutshell, provides free, confidential (two important qualities, to be sure), one-on-one business-advisory services to prospective and existing small-business owners.

That word ‘small’ has a textbook definition of sorts at MSBDC and other area agencies — 100 employees and under. And while the center has, indeed, assisted companies at the far end of that spectrum, most, over the years, have been truly small, and often sole proprietorships.

 


I love action plans and work to set goals and determine the outcomes that are desired, and then working backward from there. And I like helping people get organized and have a very clear direction of where they’re going.”


 

Hogan said she became more than a little interested in the directorship of the MSBDC when it was advertised, and then endured a lengthy hiring process, not simply because of the work being done at the center, although that was certainly a big part of it.

Another large part involves timing. Indeed, there is a considerable amount of entrepreneurial activity, or energy, in the region, fueled by the creation and growth of agencies and academic programs with various missions but the collective goals of inspiring entrepreneurship and helping fledgling ventures succeed.

This movement, or this collection of agencies and degree programs, now has a name that is fast becoming part of the local lexicon: entrepreneurial ecosystem.

Hogan said the MSBDC is a proud member of that ecosystem, and is fully invested in efforts to broaden and strengthen this collaborative through partnerships, referrals, and a deep spirit of cooperation.

“At the end of the day, we can all do a better job of referring clients to each other, for the benefit of the client,” she said of the many entrepreneurship-focused agencies in the area. “It comes down to what the client needs and identifying which agencies can best provide those services, and working together.”

For this issue, BusinessWest talked at length with Hogan about this latest career stop, her outlook for the MSBDC and the entrepreneurial ecosystem, and the art and science of advising and mentoring small-business owners.

Sole Searching

Hogan met with BusinessWest to discuss all of the above in the conference room at the Chicopee Chamber of Commerce, located in the heart of that city’s downtown.

She was there, as she is every month for a full day, for what she called “outreach,” to meet with clients (small-business owners) one-on-one to discuss, essentially, where they’re at, where they want to get, what it will likely take to get there, and which individuals and agencies might be able to provide some assistance with mapping out the journey.

“We want to be able to go where the clients are and give them that flexiblility so we can serve them better,” she noted, adding that there are similar ‘outreach offices’ in Greenfield, Northampton, and Amherst.

She was wrapping up with one business owner when BusinessWest arrived, and had another that would be waiting in the lobby in less than an hour. So she didn’t waste any time getting to the meat of the discussion, which is the ecosystem, where the MSBDC fits into it all, and how the collective agencies can work together to ultimately provide more and better services.

And she began by drawing a distinction between her approach to this work and the one taken by Doherty.

“She was an investor in small business, and she owned a very successful marketing business,” Hogan said of her predecessor. “My qualifications are slightly different, and I’m more of a entrepreneurship student — I study everything that has to do with small business.

“I do have experience as an entrepreneur,” she went on, noting the co-working space she created. “And I do the advising of small businesses. But what I really like to do is build bridges between all the recent and non-recent entrepreneurial programs and support services.”

And, as noted earlier, Hogan believes she brings a solid background in work with small businesses — as well as with a host of area economic-development-related agencies — to the center and its mission.

She summed up the job descriptions that went with the titles on her various business cards by saying she has been both a “builder” and a “connector,” and usually both at the same time.

The photograph that accompanied her writeup as one of BusinessWest’s 40 Under Forty winners in 2013, when she was employed as senior project manager for the city of Springfield, shows her with a hard hat, shovel, and a few bricks.

These are the physical, or literal, symbols of construction, she explained, adding that much of the building she’s part of has been figurative in nature, as in building relationships, partnerships, coalitions, and momentum for a city, neighborhood, agency, or office holder’s platform.

Indeed, Hogan, an economics major at Bay Path University, was recruited by a major financial-services firm. But her skill set, strong personality, and considerable confidence caught the attention of state Rep. Cheryl Coakley-Rivera, who successfully recruited Hogan to become her chief of staff.

Samalid Hogan describes herself as a ‘builder, ‘connector,’ and ‘project manager,’ and will be doing a lot of that kind of work for the MSBDC.

Samalid Hogan describes herself as a ‘builder, ‘connector,’ and ‘project manager,’ and will be doing a lot of that kind of work for the MSBDC.

In that role, she became the ‘connector’ she mentioned earlier, connecting constituents to agencies and resources and, in the process, helping them manage their problem or issue (work in very ways similar to that carried out by the MSBDC.)

From Coakley’s office, Hogan would move to the Pioneer Valley Planning Commission, where she would handle similar duties, but on a region-wide basis. In the course of doing so, she would become familiar with — and partner with — many more agencies and institutions involved in the many aspects of economic development.

From there, she segued to a project manager’s position in Springfield, a role that involved more of that connecting she was becoming proficient at, but also a good deal of literal, bricks-and-mortar building.

Hogan became involved in a host of initiatives, including the South End revitalization project, Court Square redevelopment efforts, brownfield-restoration efforts, redevelopment of the former Gemini site, and many others. She also worked directly with small-business owners, through a façade program and a small-business loan program.

In 2015, she took her collective experience to a different city and different challenge, specifically Holyoke’s Innovation District, where she worked with a list of officials, agencies, business owners, and prospective entrepreneurs to generate energy and commerce in the heart of the Paper City.

When she saw that the MSBDC was advertising for a new director (it had gone several months without one after Doherty officially stepped down in 2015), she quickly embraced the position as the most logical next step in a career in many ways defined by work with and on behalf of small enterprises.

Getting a Foot in the Door

“I’ve been working with small businesses for a long time in economic development,” said Hogan as she explained her interest in the MSBDC. “I like being able to help people and guide them — I’m a project manager.

“I love action plans and work to set goals and determine the outcomes that are desired, and then working backward from there,” she went on. “And I like helping people get organized and have a very clear direction of where they’re going.”

Acting as project manager is how she characterizes her role at the MSBDC, using that term in reference to the cases of individual clients.

And the cases, or projects, vary with each person or business that finds the agency.

As noted earlier, the center, funded by the U.S. Small Business Administration and the state Office of Business Development, and hosted by UMass Amherst and its Isenberg School of Management, assists what are, technically speaking, small businesses, but some operations that most would consider large, with 100 or more employees.

It also assists companies with a few dozen or more workers that are looking to get to the proverbial next stage, usually through some type of financing — one of many realms where the center can make some effective connections.

But much of the work, including the outreach Hogan was conducting when she met with BusinessWest, would be with what are considered very small ventures and prospective businesses that exist maybe on a napkin or in someone’s imagination.

To explain what she does, and what the center does, she summoned a hypothetical situation, only the situation — and the commentary — is, all too often, very real.

“I’ll ask someone to tell me about their business,” she started. “They’ll say, ‘I just got started, I have a few sales, but I don’t really know where to go with this. I need to hire some people, and to expand, I need to do this and that.’

“I’ll then say, ‘OK, who’s your accountant? Who’s your lawyer? Who do you work with on insurance?’” she went on. “They’ll say, ‘I don’t have an accountant, I don’t have a lawyer … and do I really need insurance?’ And then I’ll go through the basics with them.”

Advice often begins with the basics, she continued, but it rarely ends there, and often involves the next steps after hiring those professionals listed above — work to identify markets, develop strategies for reaching those markets, secure financing, promote the product or service, and much more.

“People who come here might be frustrated or confused and not really sure about what they want to do,” she told BusinessWest. “By asking them questions, I can help them self-discover the path they want to take.”

Then there are those bridge-building efforts, she said, adding that, while the MSBDC provides an array of important services, it is just one player in the region’s ever-broadening efforts to inspire, educate, and mentor entrepreneurs.

Others within the ecosystem include SCORE, which focuses on industry-specific business guidance; the Small Business Administration and Common Capital, which connect business owners with capital; Valley Venture Mentors, which mentors entrepreneurs and helps them hone their pitches and identify markets; and many others.

Linking clients with these partner agencies is an important part of the MSBDC’s mission, said Hogan, adding that one agency simply can’t do it all alone, and partnerships are vital — for specific business owners, but also the region as a whole.

“Oftentimes, I will walk people over to SCORE,” she said, noting that both agencies have offices in the Scibelli Enterprise Center in Springfield, as does New England Business Associates. “We need to help clients access all the agencies that can help them grow their businesses.”

A Shoe-in

Hogan said she hasn’t had to summon that size-11-feet remark lately, as commentary about the big shoes she has to fill has subsided somewhat.

Indeed, she has settled into a role that is different than others she has had over the years in some respects, but at its foundation is fundamentally the same. It’s all about building bridges, being a connector, and managing projects.

She’s always been good at that, and now that she’s putting those talents to use in ways that will help businesses get … well, if you’ll pardon the expression, a leg up.

George O’Brien can be reached at [email protected]

Sections Technology

Won’t Get Fooled Again?

The trouble with a phishing scam, Brendan Monahan says, is that only one person in an organization has to fall for it to put information at risk.

Or, in Baystate Health’s case, five.

“There is constantly a threat to businesses — including ours; we’re no different — from outside phishing attacks,” said Monahan, manager of Public Affairs, in the wake of a phishing attack in August that exposed the personal data of thousands of patients. “They’re often internationally based and geared toward handing over the keys to the kingdom to a hacker who, from what we understand from most experts, is looking for some financial gain out of it.”

That doesn’t seem to have occurred in this case, Baystate officials say, but the incident, which was made public late last month, is serious enough to trigger a re-examination of the system’s security protocols — and to serve as a warning to other employers in the region, both large and small.

Specifially, on Aug. 22, Baystate learned that a phishing e-mail had been sent to numerous Baystate employees that, if opened, allowed hackers to access those employees’ e-mail accounts.

Phishing is an electronic attempt to obtain sensitive information, such as passwords and credit-card information, by masquerading as a trustworthy source. Phishing e-mails may contain links to a site infected with malware, or directly load a program onto a computer that makes it contents accessible to the scammer. The Baystate scam e-mail was designed to look exactly like an internal memo to employees.

eric brown

eric brown

The best defense is to have a written information-security policy in place. Part of that is training in security awareness for employees. That way, employees can’t say, ‘I didn’t know,’ or ‘I don’t understand.’ That’s where the data risk is. It’s not from the outside; it’s from the inside, with mistakes, careless errors made by employees.”

Baystate’s investigation determined that five employees responded to the phishing e-mail, allowing the hackers to gain access to those employees’ e-mail accounts. Some of the e-mails in those accounts included patient information, including names and dates of birth, diagnoses and treatments received, medical record numbers, and, in some instances, health-insurance identification numbers. However, the e-mails did not contain Social Security numbers, credit-card numbers, or other financial information commonly used by scammers and identity thieves to enrich themselves.

“The [phishing] e-mail contained information that would be described as mimicking or mocking an internal Baystate Health HR memo. Five employees clicked on that e-mail, that immediately compromised their Outlook e-mail accounts into the hands of the perpetrator,” Monahan told BusinessWest. “Our computer research firm found exactly what was in the e-mails and what could have been looked at.”

The fact that no financial data was compromised may be small comfort for affected patients, that fact may mean the scammers have no real use for the information, and left it alone when they discovered they couldn’t profit. But that remains to be seen.

“In this case, there was no financial gain to be had from the patient information,” Monahan said. “That’s why we don’t know whether they went through the documents, but they could have.”

Still, he added, “while we have no evidence that any patient information has been taken or misused, we want to assure our patients that we take this incident very seriously.”

Next Steps

Upon discovering the breach, Baystate immediately took steps to secure the e-mail accounts and began an investigation, and also reported the incident to law enforcement.

But finding out what happened and trying to identify the perpetrators is only one step in the process of responding to the incident, Monahan said. Topping that list is ensuring — or at least trying to ensure — that such an incident won’t be repeated, and that begins with employee education and training regarding phishing e-mails and other scams.

“That was already going on beforehand, and I would say it’s being ramped up,” he explained, noting that employees can click a button at the top of any e-mail if they suspect it comes from a suspicious source, and someone from Baystate’s IT staff will come and determine if it’s dangerous or not. “We try and help them, to train them not to click on a suspicious e-mail, what a phishing attack looks like, and how to recognize it when it comes about.”

Frank Vincentelli

frank vincentelli

Unfortunately, they’re always a step ahead, and for those of us in the security industry, to prevent their success, we have to figure out what they’re doing. But if you present a soft, open belly, they’re going to dive right in.”

 

Frank Vincentelli, chief technology officer at Integrated IT Solutions in Westfield, and Eric Brown, the company’s vice president of Security Services, recently spoke about data security in the business world at the Western Mass. Business Expo, and discussed at length the critical role each employee plays in keeping a company safe.

“The best defense is to have a written information-security policy in place,” Brown said. “Part of that is training in security awareness for employees. That way, employees can’t say, ‘I didn’t know,’ or ‘I don’t understand.’ That’s where the data risk is. It’s not from the outside; it’s from the inside, with mistakes, careless errors made by employees.”

Vincentelli noted that a computer without access to the Internet or e-mail is generally safe, but not particularly useful, so businesses must strike a balance between safety and usability. “The very fact that you have access to these resources is giving the attackers a way into your system and your information.”

The entire security chain, in other words, is only as strong as its weakest link.

“Each individual user is an active part in the overall security strategy of the company,” he went on. “I’m sure all of us can think of a person in we work with who’s not necessarily technologically sophisticated, a person who usually gets a virus or is hit with CryptoLocker three or four times a year. That person is the best level of protection your organization has.”

Training every employee then, is critical, but companies must still maintain a robust firewall infrastructure, complete with early-detection capabilities to identify breaches when they occur. Still, Vincentelli said, “the most important component is the individual user.”

On Guard

Phishing scams are, unfortunately, more common in the healthcare realm than some might suspect. In recent years alone, according to data-risk consulting firm IDT911, a server operating under contract for DeKalb Health Medical Group in Indiana experienced a cyberattack that compromised more than 1,300 patient-information records; Baylor Regional Medical Center in Texas was hacked after doctors responded to phishing e-mails, exposing the patient information contained in their inboxes, including names, addresses, dates of birth, and even Social Security numbers; and Franciscan Health System in Washington was hacked in a phishing scheme that affected potentially 12,000 patients.

Norton, the developer of Internet security software, recommends several steps to avoid becoming the victim of phishing at work, including being wary of e-mails asking for confidential information; watching out for generic-looking requests for information, as fraudulent phishing e-mails are usually not personalized; and avoiding using links in an e-mail to connect to a website, instead opening a new browser window and typing the URL directly into the address bar.

“This is constantly a threat that we have to be wary of as employees, in part because we have a confidentiality policy and handle health information and other protected information,” Monahan told BusinessWest. “We have to be good stewards of that. There needs to be a sense of vigilance, and we have to enforce it. With almost 13,000 people who work here, there’s no one piece of software that will block this particular type of attack. It comes down to workforce training.”

The attacks can be subtle, and often play on human psychology — including people’s natural curiosity. Brown asked his audience at the Expo what they would do if they found a USB stick on the ground before answering his own question.

“Obviously, if you find a USB stick and don’t know who the owner is, you don’t want to touch it,” he said. “That is one way people get malware infections. If I wanted to infect a company, I’d take 30 USB sticks, put a virus on them, and toss them in a parking lot. I guarantee a half-dozen people would pick them up and stick them in their computers.”

Vincentelli called cybersecurity a cat-and-mouse affair, adding that “I’m not sure who’s who.” But it’s clear that hackers are constantly honing techniques to exploit security weaknesses, and when the target develops a defense, the hackers create a better weapon.

“Unfortunately, they’re always a step ahead, and for those of us in the security industry, to prevent their success, we have to figure out what they’re doing,” he said. “But if you present a soft, open belly, they’re going to dive right in.”

Baystate mailed letters to people who may have been affected on Oct. 21, who were directed to call a phone number staffed by an outside contractor hired by Baystate to walk patients through the process of learning if they had been victimized, Monahan said. In the meantime, the health system vowed to raise their level of awareness of threats that continue to evolve in sophistication.

“There are a million cyberthreats out there in the world, and this is one of them,” he said. “We are constantly working to train our workforce to recognize these threats and stay ahead of them — because the threat is always changing.”

Joseph Bednar can be reached at [email protected]

Departments People on the Move
Melyssa Brown

Melyssa Brown

Meyers Brothers Kalicka, P.C. (MBK) announced that Melyssa Brown, CPA, MBA, has been accepted into the American Institute of CPAs (AICPA) Leadership Academy. She was previously honored with a Women to Watch Emerging Leader Award from the Massachusetts Society of CPAs. Brown’s induction into the Leadership Academy took place over the course of a four-day program held earlier this month in Durham, N.C. The prestigious invitation-only program featured interactive dialogue with the profession’s top leaders designed to build on the foundational knowledge perspective of each individual. Attendees were immersed in experiential exercises and self-examination of leadership and how a new strategic vision will positively impact their personal life, career path, and the CPA profession. “We’re very proud of Melyssa’s achievement,” said MBK partner James Barrett. “It’s not her first honor, and it certainly won’t be her last. She started here as an entry-level staff member and quickly went on to become the youngest senior manager in the firm’s history. We look forward to more amazing things from her.” Brown received her bachelor in accountancy degree from Elms College and her MBA in accounting from the Isenberg School of Management at UMass Amherst. She is vice president of the Girls Inc. board of directors and is active in the UMass Family Business Center and the Young Professional Society of Greater Springfield. She was also a BusinessWest 40 Under Forty honoree in 2013.

•••••

Baystate Health has appointed Ben Craft to the new position of Senior Director of Government and Public Affairs. Craft, who has served as the organization’s director of Public Affairs since 2012, is assuming the additional responsibility of government affairs to support Baystate’s needs for strong connections with local, state, and federal government amid continuing rapid change in the healthcare environment. Craft returned home to Western Mass. to join Baystate in 2008, having worked previously at the United Nations and the Wall Street Journal in New York City. His work at the UN included communications and policy advocacy with government, nonprofit, and civil-society partners. He will report to Jennifer Endicott, Baystate’s chief strategy officer and senior vice president of Strategy and External Relations. “With his deep understanding of the challenges facing healthcare providers today and a strong network of relationships in the community and across Baystate Health, Ben is well-positioned to serve as point person for our local, state, and federal government partners,” said Endicott. “He is committed to finding ways to improve the dialogue between our dedicated elected officials and Baystate Health, the largest provider of safety-net services and largest private employer in Western Massachusetts. Ben’s previous experience, particularly at the UN, will be invaluable in achieving this goal.” Craft grew up in East Longmeadow and is a 1996 graduate of UMass Amherst.

•••••

Three new board members have been elected to the Bay Path University board of trustees. Mary Bushnell, Martin Caine, and Andrew Davis will each serve a three-year term which began in June.
Bushnell is a 1974 graduate of Bay Path. She and her husband, David, have been generous donors to the university for 30 years, with their philanthropy having a particular focus on student scholarship. In 2005, she served as co-chair to kick off the Carol A. Leary Endowed Scholarship Fund for First Generation Students. Their support of Bay Path’s “Charting New Paths” campaign was instrumental in launching the American Women’s College, Bay Path’s online degree-completion program. Currently, their support involves providing funds to underwrite a data-based campus study being done to determine which in-school factors contribute to Bay Path graduates’ personal, professional, and/or family success upon graduation. She has served on many boards for the past 30 years, recently completing her tenure of eight years on the board of the Overlook Foundation, which raises funds for the Overlook Medical Center in Summit, N.J.;
Caine is a principal at Wolf & Company, P.C. in Springfield. He has more than 25 years of experience as a certified public accountant, providing audit and advisory services to business owners, executives, and boards of directors. His advisory services include consulting on internal control compliance, acquisitions and divestitures, due diligence, and compensation matters. His industry experience encompasses financial institutions, manufacturing and distribution, and not-for-profit entities. Caine is a frequent speaker on financial topics, particularly in his areas of expertise, accounting and auditing. He is a 1986 graduate of Western New England College and is a CPA in both Massachusetts and Connecticut. He is a member of the American Institute of Certified Public Accountants and the Massachusetts Society of Certified Public Accountants, and serves on the board of advisors at Valley Venture Mentors Inc.; and
Davis is president and managing partner of Chestnut Realty Management, LLC in Springfield. He is responsible for the underwriting and financing of new transactions for the firm’s investment strategies. Prior to forming Chestnut Realty Partners, Davis spent three years with Wallace Capital, managing underwriting in its Florida office and originating bridge real-estate loans; six years at PVI Capital, LLC, a private commercial lender specializing in short-term bridge financing; and five years managing residential acquisitions for GFI Partners, a production builder and real-estate development company. A 2001 graduate of St. Michael’s College, he is a former board member of HAPHousing and serves as chapter forum officer for the Young Presidents’ Organization.

•••••

Berkshire Bank announced the following:
Gregory Lindenmuth has joined Berkshire as executive vice president, chief risk officer, reporting to the bank’s president, Richard Marotta. Lindenmuth joins Berkshire Bank from the FDIC, where he worked for 24 years, most recently as a senior risk examiner for the Division of Risk Management Supervision. Through this position, he has gained expert understanding of capital markets, including investments, derivatives, securitizations, market risk, liquidity/funds management, and mortgage banking. He also excels in modeling profit plans, establishing budgets, and setting strategic objectives. In his new role, he will lead the loan workout, credit, and enterprise risk management teams. Lindenmuth holds a bachelor’s degree in operations management from the Plattsburgh State University of New York and an MBA in corporate finance from Clarkson University. With the FDIC, he was a capital markets, mortgage banking, and fraud specialist and a member of the National Examination Procedures Committee. He also co-developed and co-presented the FDIC’s technical-assistance videos on interest-rate risk and has been an active speaker at New England Directors’ Colleges;
Mike Ferry has been promoted to the position of Senior Vice President, Commercial Regional President, for Berkshire County and Vermont. Ferry brings more than 37 years of industry experience, 30 of which have been spent with Berkshire Bank. Leading the Berkshire and Vermont regions for the bank since 2012, his primary focus is commercial lending and ancillary products and services. He also serves as president of the Berkshire Bank Foundation. Ferry holds a bachelor’s degre from Saint Michaels College in Colchester, Vt. Dedicated to his community, he is currently a board member and Treasurer for Berkshire County ARC, board president of the Berkshire Housing Development Corporation & Berkshire Housing Services Inc., board member and chair of the finance committee for Berkshire United Way, committee member for the Dalton Development and Industrial Commission and a volunteer coach with the Special Olympics Massachusetts; and
Jim Hickson has rejoined the bank as SVP Commercial Regional President for the Pioneer Valley and Connecticut markets. In his new role, he will focus on growing the commercial-lending business, as well as expanding relationships with products and services offered through the bank’s other business lines, including wealth management, private banking, insurance, and retail banking. Hickson brings to the bank more than 26 years of financial experience. His previous roles include commercial banking team leader for People’s United Bank and SVP ABL relationship manager at Berkshire Bank, and he also held positions within TD Bank, KPMG Consulting, and Fleet Capital. Hickson holds a bachelor’s degree from Boston College and an MBA from Boston University. He is board chair and president of the board of directors for Common Capital, a board member for New England Certified Development Corp., and serves on Wilbraham Friends of Recreation.

•••••

Bacon Wilson announced that five attorneys have been named to the 2016 Massachusetts Super Lawyers list of top attorneys in the Commonwealth, and three have been named to the 2016 Massachusetts Rising Stars list. Both rosters appear in New England Super Lawyers magazine. Only 5% of New England’s lawyers are Super Lawyers, with attorneys selected for background, professional experience, achievement, and peer recognition. The following Bacon Wilson attorneys were honored for 2016:
Gary Fialky – Business/Corporate, Banking, Real Estate;
Michael Katz – Business/Corporate, Business Bankruptcy, Consumer Bankruptcy;
Paul Rothschild – General Litigation, Employment and Labor, Personal Injury;
Hyman Darling – Estate Planning & Probate, Elder Law, Tax; and
Gina Barry – Estate Planning and Probate, Elder Law, Residential Real Estate.
Rising Stars are under 40 years of age, or have been practicing law for less than 10 years. Fewer than 2.5% of New England lawyers are named as Rising Stars, including the following Bacon Wilson attorneys for 2016:
• Adam Basch – Construction Litigation, Business Litigation, Personal Injury;
• Benjamin Coyle – Business/Corporate; State, Local, and Municipal; Estate and Trust Litigation; and
Thomas Reidy – Land Use/Zoning.

•••••

Jennifer Halloran

Jennifer Halloran

Bolstering its commitment to reach consumers on their terms, Massachusetts Mutual Life Insurance Co. has appointed longtime financial-services branding and marketing executive Jennifer Halloran as head of Brand and Advertising. Halloran, who is based in Boston and reports to MassMutual Chief Customer Experience Officer Gareth Ross, will oversee the collaborative development and implementation of the company’s initiatives in brand marketing, community responsibility, digital content, and social engagement. She will also be responsible for managing the deployment of the MassMutual brand strategy throughout all channels, as well as in the company’s community-engagement efforts. “We are excited to have someone with Jennifer’s track record of experience in the financial-services industry and business acumen on board to further enable us to drive the MassMutual brand in a way that is consistent with our strategy, and create a consistent experience within the marketplace and with our customers,” said Ross. “Her experience, creativity, and passion for collaboration — underscored by her successes throughout her two-decade career — will be invaluable as we move forward as a company.” Halloran was most recently with Fidelity Investments, where she spent a total of eight years in a variety of leadership roles in marketing, communications, and branding. These responsibilities included managing and executing the redesign of web, digital, and content programs for Fidelity’s Innovation Lab, as well as many other cross-channel digital customer-experience programs. She also held various marketing, communications, and brand-strategy positions with both Mobiquity Inc. and Putnam Investments. She began her career in 1996 with integrated advertising agency Digitas (now DigitasLBi). A graduate of Boston College with a bachelor’s degree in economics and political science, Halloran earned her MBA in marketing/marketing management from Babson College’s Franklin W. Olin Graduate School of Business.

•••••

Amy Royal

Amy Royal

Royal, P.C., a woman-owned, boutique, management-side labor and employment law firm, announced that Amy Royal, principal and founding partner of the firm, has been honored with selection as one of New England’s Super Lawyers and has been included in the 2016 issue of New England Super Lawyers magazine. Super Lawyers consists of attorneys throughout New England who are nominated by their peers as outstanding lawyers; the nomination then goes through an extensive selection process. With more than 16 years of experience, Royal has successfully defended employers in both federal and state courts as well as before administrative agencies in a variety of areas of employment law, including employment discrimination and sexual harassment, unfair competition, breach of contract and wrongful discharge claims, workers’ compensation, and Family and Medical Leave Act (FMLA), Employee Retirement Income Security Act (ERISA), and Fair Labor Standards Act (FLSA) violations, with a special emphasis in wage-and-hour class actions. Royal regularly advises non-union clients on maintaining a union-free workplace and performs other preventive work such as wage-and-hour law compliance, record-keeping audits, drafting of employee manuals and affirmative-action plans, and management training. In addition, she assists unionized clients during contract negotiations, at arbitrations, and with respect to employee grievances and unfair-labor-practices charges. Royal’s accolades also include Massachusetts Lawyers Weekly’s 2012 Top Women of Law award recognizing her as a top female lawyer in Massachusetts, as well as BusinessWest’s prestigious 40 Under Forty award, recognizing her for outstanding leadership in the Pioneer Valley business community.

Court Dockets Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

 

Hampden Superior Court

Ryan Close, p/p/a Christina Benson v. Dyanne Tappin, MD et al
Allegation: Medical malpractice: $25,000+
Filed: 10/13/16

Kocayne Givner v. J. Savage Inc., Jay Savage, and Gabriela Alcantara Pohis
Allegation: Monies owed for services, labor, and materials: $44,416.67
Filed: 10/13/16

Valerie Carter-Stone, personal representative of the estate of Alfred Carter v. Marc Norris, MD
Allegation: Medical malpractice: $25,000+
Filed: 10/17/16

Jessica Blanchard v. Teavana Corp. and Peter King
Allegation: Employment discrimination: $25,000+
Filed: 10/20/16

 

Hampshire Superior Court

David A. Woods v. Aquadro & Cerruti Inc. and Daniel O’Connell’s Sons Inc.
Allegation: Negligence on construction job site causing personal injury requiring 10 months of treatment: $92,630.28
Filed: 10/17/16

DLW Realty, LLC v. O’Leary Group Inc., MetLife Insurance Co. of Connecticut d/b/a Travelers Insurance Co.
Allegation: Contract dispute: $31,100.68
Filed: 10/17/16

 

Franklin Superior Court

Jerome Willard a/k/a Decorator’s Workroom v. Molly Aitken
Allegation: Monies owed for renovations and improvements to defendant’s property: $72,013.06
Filed: 9/21/16

Paulette Leukhardt v. Amherst College Corp. and Board of Trustees
Allegation: Employment discrimination: $105,209
Filed: 9/26/16

 

Palmer District Court

Perkins Paper LLC v. Malaru LLC d/b/a Blackjack Bar & Grill and Mark Laramee
Allegation: Monies owed for goods sold and delivered: $9,930.78
Filed: 10/5/16

Departments Picture This

Email ‘Picture This’ photos with a caption and contact information to [email protected]

Super 60

Super 60

More than 500 guests gathered at Chez Josef in Agawam on Oct. 28 for the Super 60 awards luncheon, presented by the Springfield Regional Chamber to honor the region’s fastest-growing privately owned companies. This year’s top honoree in the Total Revenue category was Stavros Center for Independent Living Inc. in Amherst, while the top honoree in Revenue Growth was Lavishlyhip, LLC in Feeding Hills. The event’s keynote speaker was Tree House Brewing co-founder Dean Rohan.

 

Justin Pelis, board treasurer of Stavros Center for Independent Living

From left, Justin Pelis, board treasurer of Stavros Center for Independent Living; Ashley Allen, vice president of Sales and Marketing for Health New England; Nancy Bazanchuk, board vice president of Stavros; and John Patrick, president and CEO of Farmington Bank

 

Bill Grinnell, president of Webber

Bill Grinnell, president of Webber and Grinnell Insurance (left), and Richard Venne, CEO and president of Community Enterprises

From left, Allen; Jay Ray, president of Detector Technology Inc.; and Patrick

From left, Allen; Jay Ray, president of Detector Technology Inc.; and Patrick

Daily News

EAST LONGMEADOW — HUB International New England, a division of HUB International Limited, announced that, effective Dec. 1, Timm Marini, will lead the Personal Lines Division for HUB International New England. This is in addition to his responsibilities of overseeing the Western Mass. offices and serving on HUB’s executive management team.

Marini will lead the Personal Lines teams, which consist of close to 150 employees in more than 20 offices located throughout Massachusetts, New Hampshire, Maine, and Rhode Island. His areas of focus will be developing and implementing sales and marketing strategies that result in value and pricing options while always meeting the underlying goal of “delighting the customer.”

“Developing an exceptional team is imperative in this fast-paced, technology-driven industry,” said Charles Brophy, CEO and Regional President, Eastern Region of HUB International New England. “The first person that came to mind for this position, without a doubt, was Timm Marini. His vision, leadership abilities, skillful thinking, discipline, and tact for customer service will be a great benefit for HUB New England as we continue to grow and expand into new markets.”

HUB New England was built through partnerships with long-standing, local brokerages housing years of experience in consulting on property and casualty insurance, personal insurance, and employee-benefits programs for New England businesses and individuals. As a full-service brokerage, HUB New England has access to the resources of a large, international company with local service and expertise.

Daily News

WEST SPRINGFIELD — Market Mentors, LLC, a full-service marketing firm in West Springfield, partnered with several local businesses for the fourth annual Pink Day celebration in October to benefit Baystate Health Foundation Rays of Hope.

A total of $8,000 was raised to present to the foundation, a nonprofit charitable organization that supports humanitarian efforts at Baystate Health’s hospitals and ancillary services. Many local businesses and organizations joined Market Mentors in supporting the Rays of Hope by hosting a Pink Day, where corporate or personal donations were made to Rays of Hope and participants wore pink to work in an effort to raise awareness for the cause. The theme for this year’s event, held Friday, Oct. 28, was “Think Pink.”

“Our clients understand the worth of corporate social-responsibility initiatives and the impact it has on the local business atmosphere,” said Market Mentors President Michelle Abdow. “Several participants have celebrated Pink Day with us in the past, and we are very excited about the newcomers. Thanks to their considerable efforts, we exceeded our goal of raising $7,500 for Rays of Hope and have been able to donate $22,000 throughout the past four years.”

Participating organizations included 94.7 WMAS; Aaron Smith, P.C.; Advanced Vein Care Center; Aesthetic Plastic & Reconstructive Surgery, P.C.; Andy’s & the Oak Shoppe; Baystate Rug & Flooring; Braman Termite and Pest Elimination; Boilard Lumber; Collins Pipe & Supply Co. Inc.; Epstein Financial Services; Excel Dryer Inc.; FLN-MAR Rubber & Plastics; Hampden Zimmerman Electric Supply Co.; iCircle Technologies; Keith G. Roy Construction; Market Mentors, LLC; MassLive; New England Dermatology and Laser Center, the Spa; New York Sound and Motion; Noonan Energy Corp.; Ondrick Natural Earth; Robinson Donovan, P.C.; Shatz, Schwartz and Fentin, P.C.; Skoler, Abbott & Presser, P.C.; the Bridge Home; Dowd Insurance Agencies; and Women’s Health Associates.

“We are proud to be able to continue our Pink Day tradition here at Market Mentors,” said Director of Account Services Amanda Moyer. “This worthy cause not only raises money for awareness, but also for the important breast-cancer research dollars, and we look forward to carrying on the tradition for years to come.”

Rays of Hope is a philanthropic initiative that was launched in 1994 to support the Baystate Health Foundation and community programs throughout Western Mass., and includes an annual walk and run, as well as Pink Day celebrations. This year’s walk and run took place Oct. 30 at Forest Park in Springfield.

Daily News

HOLYOKE — The Greater Chicopee, Greater Holyoke, Greater Westfield, Greater Easthampton, West of the River, and South Hadley & Granby chambers of commerce have joined forces to present Checkpoint 2016, a legislative symposium on Thursday, Nov. 10. The keynote speaker for this regional event will be Lt. Gov. Karyn Polito.

Lunch and the keynote speaker will be followed by a panel discussion with local legislators, including state Sen. Donald Humason Jr. and state Reps. Joseph Wagner, Aaron Vega, John Scibak, John Velis, Carlos Gonzalez, Jose Tosado, and Nick Boldyga. The panel will be moderated by Anthony Cignoli, president of A.L. Cignoli Co.

The event will take place at the Log Cabin Banquet and Meeting House in Holyoke. Registration and networking begin at 11 a.m., with lunch from 11:45 a.m. to 1 p.m. The panel discussion, with questions from the audience, will take place from 1:15 to 2:30 p.m. Reservations are required. Tickets cost $45 per person for chamber members and $55 for non-members.

For more information or to register, visit the website of one of the participating chambers and look for ‘upcoming events.’ Questions should be directed to event coordinator Lynn Morrissette at the Greater Chicopee Chamber at (413) 594-2101.

Current sponsors include CHD Cancer House of Hope, Dowd Insurance Agency, Easthampton Savings Bank, Freedom Credit Union, Holyoke Medical Center, Health New England, Mestek Inc., PeoplesBank, People’s United Bank, Westfield Bank, and Westmass Area Development Corp./Westover Metropolitan Development Corp.

Columns Sections

Entrepreneurship

By Melyssa Brown

Melyssa Brown

Melyssa Brown

More than 627,000 new businesses open each year, according to the Small Business Administration, and entrepreneurship is a hot topic, especially here in the Pioneer Valley.

Local colleges have created centers and degrees around entrepreneurship, and organizations have been created to help startup companies prosper through coaching and education.

Whether you call yourself an entrepreneur or not, starting a business can be a significant challenge. Having an idea that inspires you is a good place to start. Once you have that, your passion for the business or its purpose is the most important factor to keep you pushing through the inevitable challenges and decisions that are ahead and are inherent to starting a business. The following helpful tips and guidance will provide resources to get you started down the right path.

The Business Plan

A business plan is a sales tool that should be considered as a first step in any business creation. It will help you raise money, get partners, and, most importantly, get people interested in your business.

Start by creating a document that describes your business inside and out. Describe your product or service. Your product description should take 30 seconds or less to explain. It should be simple and straightforward so that other people (even children) can understand and repeat it back to you. Lengthy or overly detailed pitches, while seemingly chock-full of great information, can actually be counterproductive and aren’t usually as effective at getting the attention of your audience.

Describe the product’s unique value proposition. What advantage does your product offer that no one else does? How is it different from other businesses? Also, describe the market opportunity by answering the following questions: how large is the market? How many total dollars are spent on similar products? How fast is the market growing? Who is your competition? Always remember to state who your customers are. Next, describe how you plan to generate revenue and sell your product or service.

Your customer may want the product or service, but who is actually paying for it? Is the customer paying subscriptions, or are you generating revenue via advertising from other businesses? Next, describe the business strategy or long-term vision. Where do you see the business in three, six, nine, and 12 months, and then in five to 10 years? Think of key metrics and set smart goals to help get you there and monitor your progress.

Describe who the management team will consist of to help you achieve the business strategy. You want qualified employees with relevant experiences to fill the needs of the business. Beware of simply bringing on friends and family — always ensure your team members understand your mission and objective, and not just their relationship with you personally.

A business plan should include projected financial information for the next three years. Explain the basic assumptions and key drivers behind your financial model. Revenue assumptions consist of the number of customers and how much will be charged for the product or service. Startup expenses may include lease/rent expense, building improvements (if needed), equipment, labor, supplies, and utilities.

There are certain costs when you start a business, and there is no negotiating some of it, such as safety precautions, filing fees, and fees for permits and licenses. However, you may be surprised by how many expenses you can cut or at least postpone — for example, using pre-owned equipment until you are making some sales.

Financial projections help determine how much outside financing you need to obtain. There are several financing options, including starting your business on the side while continuing to work full-time, working a part-time job until your business becomes established, waiting to start your business until you have saved up a financial reserve, and borrowing or raising funds, if necessary.

You may already be using the friends-and-family funding technique. Make it clear to them that the money is intended as risk capital, and they might lose it completely, or it may not be returned in the short term.

Technology has made asking the general public for donations and monetary support for a business commonplace. Crowdfunding is a form of finance that does not require repayment, and it will help you not only gauge interest in what you have to offer, but also help you build a customer base. Many times, the startup business will provide perks, such as free products or discounts, as a thank-you for the donations. Also, small-business grants are available from a number of resources, including state governments and private groups.

Although the grant-application process can be time-consuming, it is well worth it if you win the award. Also, even locally in the Pioneer Valley, there are investors and venture capitalists who are willing to fund a promising, high-risk startup business in exchange for a share of the business. They often bring experience, management expertise, and contacts to the table.

Prepare a business-plan deck to pitch to investors and venture capitalists. Create a PowerPoint presentation that addresses each of the major items in your business plan. Each item should have its own slide, and the presentation should be no longer than 15 slides. Begin with a high-level concept and brief, ‘grabby’ statement that sticks in the mind and most importantly tells a story.

Consider including a video of what the product or service does and how it interacts with customers. Investors and venture capitalists will want a preliminary valuation of the company. The valuation helps determine what share of the business you are giving up for what value. It can be a calculation of the future revenue (net earnings) of the business which then uses a discount factor to value it in today’s dollars. No matter which source you raise funds from, be sure to provide key operating, strategic, and accounting information to your financiers periodically.

Business Structure

The business structure can be impacted by your sources of financing. You can change the structure as the financing and business needs change. There are a few options to choose from, including sole proprietorships, general partnerships, limited-liability companies, C-corporations, and S-corporations, as detailed below.

• A sole proprietorship has no legal distinction between the owner and the business. It is a business of one person such as a lawyer, plumber, etc. There are minimal requirements, such as a business license.

• A general partnership is a joint business where the profit and debt are shared by general partners. A partnership agreement is created to dictate how the profit and debt are shared. For both sole proprietors and general partnerships, the business owner has primary personal liability.

• In a limited-liability company (LLC), owners are not personally liable for the debts of the business. LLCs are easy to use, have low setup fees, provide protection of the corporate veil, and are a pass-through tax entity.

• C-corporations are taxed separately from owners, the shareholders own stock in the business, and they require a board of directors who are hired by shareholders and are responsible for the business. C-corporations are perceived as providing the most protection between personal and corporate assets.  However, they may have double taxation upon the sale. Your salary is taxed at your personal rate, and business earnings are taxed at the corporate rate.

• In S-corporations, the business pays no federal taxes, and profit and losses are divided among the shareholders to be taxed at their personal rate. The number of shareholders is limited. Work with your accountant and lawyer to determine the best structure for your business.

Business Name

Determining the business name can be the most important and potentially challenging step. The right business name will help distinguish you from a sea of competitors, provide your customers with a reason to hire you, and aid in the branding of your company. Your name projects your image, brand, and position in the marketplace, so consider your mission statement, your business plan, and your unique selling proposition, and don’t forget to think about your target audience.

The more ideas you generate, the more possibilities you will have to choose from. You may want to conduct a series of brainstorming sessions or use a free business-name generator, such as Biznamewiz, Name Thingy, or Naming.net. Avoid wordplay dangers, and if you want a local name, add it to your marketing materials, such as “exclusively serving the (town) area.” Lastly, put your business name through the spelling test and ask others to spell it.

Once you have chosen a name for your business, you will need to check if it’s trademarked or currently in use. Search the federal database of the U.S. Patent and Trademark Office. You should also run a series of searches with Google and other search engines for your desired business name to make sure there isn’t another company already using your name. Then, you will need to register it with your county or state office. Also, don’t forget to register your domain name once you have selected your business name. Your website address should be the same as your business name.

Licenses and Permits

For a list of licenses and permits, go to the Small Business Administration (SBA) website. The SBA has compiled state-by-state information on small-business registration and license and permit information. Also, obtain a tax/employer identification number from the IRS.

Accounting System

An accounting system is necessary in order to create and manage your budget, track your actual results, set your rates, conduct business with others, and file your taxes. You can set up your accounting system yourself or hire an accountant to take away some of the guesswork. This should include opening a business checking account. Also, understand employer regulations such as new-hire reporting, employer corporate and payroll tax responsibilities, minimum-wage laws, workers’ comp, unemployment insurance, and health-insurance laws.

Lastly, get training and have a support network, which may include family, friends, colleagues, a mentor, a coach, and anyone else who can help you navigate roadblocks and be a successful entrepreneur. When you have an effective support system in place, you will find that you have a cheerleader, consultant, moral support, and even a devil’s advocate when necessary. Continually review and update your business plan and question its key assumptions by using a SWOT (strengths, weaknesses, opportunities, and threats) analysis of the business.

Melyssa Brown, CPA is a senior manager with the Holyoke-based public accounting firm Meyers Brothers Kalicka, P.C.; (413) 322-3484; [email protected]

DBA Certificates Departments

The following business certificates and trade names were issued or renewed during the months of September and October 2016.

Amherst

Balcony Booking
26 Mill Lane
Connie White and Greg Kendall

Deepening Roots Farm and Food
793 Bay Road
Heather Ernst and Andrew Korza

LiLi’s Chinese Restaurant
197 North Pleasant St.
Li Jia

Momo
23 North Pleasant St.
Jamyang Wangchuk

Tea Cups
230 West St.
Gladys Siqueira

Berkshiretown

Barking Bubbles Inc.
119 Federal St.
Angela Gaj

Cottage Industry
10 Cottage St.
Deborah Harbison

Dednor Wine Consulting
16 Old Bay Road
William Dednor

HIC
20 Hancock Hollow
Wayne Versace

P&L Machine
382 South Washington St.
Paul Barrows

Rocket Internet Security
191 North Washington St.
Glenn Murphy

Scenic Candlescape Designs
185 Summit St.
Lacie Banks

Chicopee

CJF Canvassing Specialists
17 Falcon Circle
Christopher Frappier

MJK Cleaning Co.
97 Arnold St.
Magdalena Guzek

New England Keratoconus Consultants
Dr. David Momnie
113 Center St.

Raczkowski Home Improvement
67 Pendexter Ave.
Jerzy Raczkowski

Easthampton

Amber Barlow Enterprises
98 Oliver St.
Amber Barlow

Comics N’More
31 Union St.
Christian Reader

David Chu Webworks
25 Lyman Ave.
David Chu

Greenbark Bookkeeping
24 Knipfer Ave.
Marcie Cormier

Heart-Connected Living
22 Knipfer Ave.
Judith Grupenhoff

Icarus Massage
181 Northampton St.
David Richardson

Nadeau Insurance Agency
186E Northampton St.
Joshua Nadeau

Tuman Design
116 Pleasant St.
William Tuman

Wastefield Entertainment
13 Golden Dr.
Joshua Konopka and Jason Mateo

Greenfield

ACD Women’s Fitness Center
368 High St.
Debra Kelly and Angelique Menard

Dawn’s School of Dance
88 Hope St.
Dawn Morin

The DuMont Co.
289 Wells St.
Pilot Precision Holdings, LLC

Lundgren Honda of Greenfield
409 Federal St.
Forza Autogroup Inc.

Hampden

LDS
59 Wilbraham Road
John Lynch

Lucky’s Construction
16A Somers Road
Elizabeth, Keith, and Stephanie Lemelin-Bliss

Holyoke

B. Drew Construction
21 Longwood Ave.
William Drew

Complex Painting Services
24 Labrie Lane
Paul Whelihan

D&M’s Variety
522 South Bridge St.
Diana Morales

Lularoe
470 Hillside Ave.
Manhar Lalchandani

Pat’s Liquors
7 Cabot St.
Juan Diaz

Yucky Studios
286 Essex St., 2L
Christopher Daniele

Longmeadow

Nexus Leaders, LLC
109 Yarmouth St.
Christopher Casey

Steven A. Koltz EA
381 Wolf Swamp Road
Steven Koltz

W.M. Realty
702 Longmeadow St.
John Wallace

Ludlow

Bob St. Jacques Home Improvement
125 Main Blvd.
Robert St. Jacques

Complete Pest Control Service
248 Kendall St.
Stanley Knappe

Hair by Yvette at Hair West Designs
322 West Ave.
Yvette Charbonneau

Northampton

A and H Auto Repair
222 North King St.
Louis Robinson

Brinkerhoff, McCorkle, Roberts & Drane
96 Straw Ave.
James Roberts

A Door in the Wall Hypnosis
98 Main St.
Kristen Hatch

Leather & Lace Hairstyles
9 North Main St.
Heather Wright

M & M Cleaning
377 Florence Road
Ashley Mizula

Southwick

Calabrese Farms LLC
249-257 Feeding Hills Road
Thomas Calabrese

Haas Hauling
241 College Highway
David Haas

Mark Oliver Carpentry Services
30 Tannery Road
Mark Oliver

Sophisticated Productions
648 College Highway
Melissa Tessier

Tastefully Tan
610 College Highway, Suite 13B
Patrick Smith

Springfield

Armor Bearer Sports LLC
731 Sumner Ave.
Prince Taylor

Blvd Lash Co.
715 Bay St.
Bolanle Tokunbo

Clean Break in Your City
162 Quincy St.
Luz Marquez

Good Groove Entertainment
6 Inglewood Ave.
Waltiko Fludd

HB Fashions International
309 Bridge St.
Noemi Souza

Interpreterlink
193 Westbrook Dr.
Madeline Cruz

J & V Environmental LLC
483 Berkshire Ave.
Jorge Ortiz Vasquez

J3t-Set Design Group
1500 Main St.
James Cicerchia

KJ Transportation
65 Pinevale St.
Angel Bermudez

Lenceria
25 Carlton St.
Patricia Cristina

Liberty Mobile
737 Liberty St.
Mark Centeno

Main Kitchen
1343 Carew St.
Bun Chan

MK Creative Home Innovations
55 Bryant St.
Melissa Vanderburgh

My Window Butler
61 Dorset St.
James O’Hara

NCTI
595 Cottage St.
American Medical Response

Optical Expressions Inc.
135 State St.
Sheila Gibbs

P.D.S.
32 Sterling St.
Philip Panidis

Preene
90 Marlborough St.
Yolanda Princess

Presley Law PLLC
1 Federal St.
Denise Presley

Superior Cakes
1594 Carew St.
Manuel Colon

Town Towing
100 Wait St.
Kelvin Lopez

Valley Automotive Inc.
160 Taylor St.
John Lizak

Witconn Enterprises LLC
15 Monrovia St.
Richard Connery

Your Buddies Convenience
526 Sumner Ave.
Thomas Lamont Waters

Zyana’s Market
11 Dorset St.
Michael Perez

Westfield

The Batter’s Box, LLC
170 Lockhouse Road
The Batter’s Box, LLC

Evolve
948A Russell Road
Jonathan Imbriglio

Hurricanes Softball Club
66 Glenwood Dr.
Tyson James

King’s Cleaners
282 Southampton Road
Sook Kim

Weidler Logging
579 Pochassic Road
Christopher Weidler

West Springfield

Affordable Auto Glass Inc.
806 East Elm St.
Joseph Esile III

Dandy Enterprises
82 Garden St.
Brian Dandy

Mariflor Joya
43 Rogers Ave.
Maria Rodriguez

Rey’s Used Appliances
246 Memorial Ave.
Reynaldo Placencla

Union Mart LLC
529 Union St.
Joshua Ayala

Wilbraham

3D Plastez
5 Lodge Lane
Zbigniew and Elizabeth Kielczewski

Core Construction Products
524 Wilbraham Road
Marty Baron

F.L. Roberts Wilbraham #04071
2788 Boston Road
Tony El-Nemr

J.B. Crafts
21 Railroad Ave.
Jeannie Babineau

Lularoe by Anika Jacque
424 Soule Road
Anika Jacque

Melluzzo Property Maintenance
12 Addison Road
Bryant Melluzzo

Oh So Pretties Handcrafted Gifts
2341 Boston Road
Sherry Coulis

Preco Power Equipment Supply
2460 Boston Road
Gregory, Carla, Christopher, and Dalia Wurszt

Riverbend Medical Group Inc.
70 Post Office Park
Dr. Richard Shuman

Scibelli Construction and Remodeling
42 Brainerd Road
Mario Scibelli

Wilbraham Wine & Spirits
2771 Boston Road
Alan Fetter

Departments People on the Move
Anne Thomas

Anne Thomas

Paul Nicholson, chair of the board of directors for Glenmeadow, announced that Anne Thomas has accepted the position of President and CEO, and will begin work with the nonprofit on Nov. 1. Thomas most recently served as vice president of residential health at JGS Lifecare in Longmeadow, and she has over 25 years of experience working with seniors. “She has strong operational, interpersonal, team-building, and financial-management skills,” Nicholson said. “Most importantly, though, her career has been devoted solely to older adults, and she is passionate about the people she serves, including the staff members she leads. She has demonstrated that she is a driven leader.” Thomas holds a bachelor’s degree in social work from Providence College in Rhode Island and a master’s in social work from Hunter College in New York. “I’m truly excited about the opportunity to lead Glenmeadow as its next CEO,” Thomas said. “Glenmeadow has earned its stellar reputation by its deep dedication to improving the lives of older adults. As a core value, I have always believed later life should be the best part of life. This philosophy is embedded in the Glenmeadow community, so I was immediately attracted.”

•••••

Matt Roberts

Matt Roberts

Matt Roberts recently joined the Gaudreau Group Insurance and Financial Services Agency of Wilbraham as a Business Insurance Service & Sales Assistant. He specializes in helping identify gaps in commercial insurance coverage, as well as areas in which a business may have been overinsured, which results in better control over costs while achieving more solid coverage. “Matt delivers real value to our clients by helping them understand their insurance cost drivers, especially workers’ compensation. He utilizes our industry-leading technology, including forecasting tools and predictive budget analysis, to help our clients stay proactive and have better control over their insurance dollars,” said Jules Gaudreau, president of the Gaudreau Group. Roberts has been in the insurance industry since 2011, when he started his career with a large national carrier. He is a graduate of Lasell College in Newton, with bachelor’s degrees in both accounting and business management.

•••••

Daniel O’Connell

Daniel O’Connell

Sarah Ornelas

Sarah Ornelas

Springfield-based law firm O’Connell & Plumb, P.C., announced that attorney Daniel O’Connell was named to the 2016 New England Super Lawyers list in the area of Plaintiff Employment Litigation, and attorney Sarah Ornelas has been named to the 2016 New England Super Lawyers’ Rising Stars list in the area of Plaintiff Employment Litigation. This is the second consecutive year that both O’Connell and Ornelas have been included on these lists. According to the webpage for Super Lawyers, it is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. O’Connell and Ornelas both focus their practice in the areas of employment-based discrimination, sexual harassment, retaliation, and wrongful termination.

•••••

Jennifer Bujnevicie

Jennifer Bujnevicie

Laura Dennis

Laura Dennis

Country Bank announced that Jennifer Bujnevicie and Laura Dennis have been promoted to the position of Regional Managers of the bank’s Retail Banking division. Bujnevicie has been in the banking industry since 2004 and has held several positions during her tenure at Country Bank, beginning as a teller, and just prior to this promotion as operations manager. “I have a passion for customer service and a great love for helping people,” she said. Bujnevicie holds a human resources certificate from the Center for Financial Training, and is currently enrolled in the New England College of Business & Finance, pursuing a degree in business administration. She is a self-proclaimed animal lover and often volunteers her time at the Second Chance Animal Shelter. Dennis joined Country Bank while still in high school as a part-time file clerk in 2000, and became a full-time staff member upon her graduation. She began her career in the Collections department, but then moved to retail banking to be with the customers, and has been there ever since. “I am passionate about working with my team and helping them develop in their positions. The greatest reward for me personally is seeing them reach their professional goals,” she said. Dennis graduated from the New England School for Financial Studies in 2015 and serves as the treasurer for both the Palmer and Belchertown units of the Salvation Army. “I’m very excited to work closely with Jenn and Laura as they lead our branch staff to continued success focused on excellence in customer service and product delivery,” said Brady Chianciola, first vice president of Retail Banking. “They bring with them a wealth of knowledge from the retail aspect of banking as well as a true sense of community, which is so important to Country Bank.”

•••••

Skoler, Abbott & Presser, P.C. announced that three of its attorneys were honored by Super Lawyers for 2016. Each year, no more than 5% of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor:

Ralph Abbott Jr.

Ralph Abbott Jr.

• Ralph Abbott Jr. was listed in Super Lawyers in the categories of employment and labor law. A partner since 1975, Abbott is known throughout the legal community for his work representing management in labor relations and employment-related matters, providing employment-related advice to employers, assisting clients in remaining union-free, and representing employers before the National Labor Relations Board (NLRB). He also has numerous credits as an author, editor, and teacher, and a record of civic and community involvement. Since 2010, he has been ranked as one of the top labor and employment attorneys in the state of Massachusetts by the prestigious Chambers USA rating firm;

• Susan Fentin

• Susan Fentin

• Susan Fentin was listed in Super Lawyers in the categories of employment and labor law. She has been a partner at the firm since 2004. Her practice concentrates on labor and employment counseling, advising large and small employers on their responsibilities and obligations under state and federal employment laws and representing employers before state and federal agencies and in court. She speaks frequently to employer groups, conducts training on avoiding problems in employment law, and teaches master classes on both the FMLA and ADA. She has also been ranked as one of the top labor and employment attorneys in the state of Massachusetts by the prestigious Chambers USA and was named one of the Top 50 Women in the Law in 2015; and

Jay Presser

Jay Presser

Jay Presser was listed in Super Lawyers in the categories of employment and labor law. Presser has more than 35 years of experience litigating employment cases. He has successfully defended employers in civil actions and jury trials and handled cases in all areas of employment law, including discrimination, sexual harassment, wrongful discharge, wage hour, FMLA, ERISA, and defamation. He has won appeals before the Supreme Judicial Court and the First and Second Circuit Courts of Appeals, and represented employers in hundreds of arbitration cases arising under collective-bargaining agreements.

•••••

Judi Real

Judi Real

The DiGrigoli Companies (which includes DiGrigoli Salon, DiGrigoli School of Cosmetology, and DiGrigoli Seminars) announced that Judi Real has been promoted to Creative Director. Real started with the company in February 2015 as executive assistant to the CEO, Paul DiGrigoli. From the beginning, her passion for marketing and advertising stood out, and she has been instrumental in many social-media and printed marketing campaigns for all three branches of the company. With her previous position successfully filled, she is now able to devote all of her time to marketing, brand development, and advertising.

Court Dockets Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

Hampden Superior Court

Rafael Rodriguez Ruiz v. Mercy Medical Center
Allegation: Medical malpractice, wrongful death
Filed: 10/3/16

Nixzaliz Ramos-Espinosa and Pedro Rivera v. Patrick Lee, MD
Allegation: Medical malpractice: $25,000+
Filed: 10/4/16

Ondrick Materials & Recycling LLC v. Commercial Development Services Group LLC, 66 Holyoke LLC and Shield Hotel Management LLC
Allegation: Monies owed for services, labor, and materials: $136,725.15
Filed: 10/12/16

Donald Laxton and Carol Laxton v. PH Realty Apartments, LLP
Allegation: Slip and fall causing injury: $722,654.84
Filed: 10/13/16

Hampden District Court

Barbara Coudineau v. Anthony Cirillo d/b/a Twisty’s Ice Cream
Allegation: Slip and fall causing injury: $7,988.34
Filed: 8/16/16

Ethel Hill v. Costco Wholesale Corp. and Sunopta Inc.
Allegation: Negligence (foreign object in soy milk) causing injury and physical and emotional upset and distress
Filed: 8/25/16

Hampshire Superior Court

Nancy Manchino and Robert Manchino v. Dr. Patrick Boyce, Laurette Patten, Cooley Dickinson Physician Hospital Organization Inc., South Hadley Internal Medicine, Baystate Medical Center, and Baystate Health Inc.
Allegation: Medical malpractice: $75,000+
Filed: 10/4/16

Dylan Scott v. Wyckoff Country Club Inc., Diane Wojtowicz, Lynn Stebbins, and Tami Kelley
Allegation: Wage, retaliation, and related claims: $100,000
Filed: 10/6/16

Glenn A. Calhoun v. Guerra LLC, 1 Bridge St. Inc., and Spoleto Inc.
Allegation: Negilgence causing personal injury requiring multiple surgeries and resulting in permanent disabilities and lost earning capacity: $534,033.64
Filed: 10/7/16

Franklin District Court

Benjamin Williams v. Eric Cooper, Springfield Terminal Railway Co., Pan Am Railways Inc., and Liberty Mutual Insurance Co.
Allegation: Motor-vehicle accident causing injury: $8,937.74
Filed: 9/9/16

Steven Goldsher v. Allan Cadran d/b/a Replay Music
Allegation: Failure to pay rent and utility fees: $17,200
Filed: 9/20/16

Palmer District Court

Peggy Patyrnak v. Diamond Junction Bowling Lanes Inc.
Allegation: Negligence; plaintiff injured leg and ankle on slippery, recently refinished bowling lane: $10,442.53
Filed: 9/30/16

Daily News

PITTSFIELD — Berkshire Bank announced the promotion of Mike Ferry to senior vice president, commercial regional president, for Berkshire County and Vermont.

Ferry brings more than 37 years of industry experience, 30 of which have been spent with Berkshire Bank. Leading the Berkshire and Vermont regions for the bank since 2012, his primary focus is commercial lending and ancillary products and services. He also serves as president of the Berkshire Bank Foundation.

“This regional president designation reflects the important leadership role Mike will play, not only for the commercial team, but for all of our businesses — including wealth, private banking, business banking, cash management, home lending, insurance, and retail banking in support of Berkshire’s focus on relationship banking,” said George Bacigalupo, executive vice president, commercial banking.

Ferry holds a bachelor’s degre from Saint Michaels College in Colchester, Vt. Dedicated to his community, he is currently a board member and Treasurer for Berkshire County ARC, board president of the Berkshire Housing Development Corporation & Berkshire Housing Services Inc., board member and chair of the finance committee for Berkshire United Way, committee member for the Dalton Development and Industrial Commission and a volunteer coach with the Special Olympics Massachusetts.

Daily News

PITTSFIELD — Berkshire Bank announced that Jim Hickson has rejoined the bank as SVP commercial regional president for the Pioneer Valley and Connecticut markets. In his new role, he will focus on growing the commercial-lending business, as well as expanding relationships with products and services offered through the bank’s other business lines, including wealth management, private banking, insurance, and retail banking.

Hickson brings to the bank more than 26 years of financial experience. His previous roles include commercial banking team leader for People’s United Bank and SVP ABL relationship manager at Berkshire Bank, and he also held positions within TD Bank, KPMG Consulting, and Fleet Capital.

“We are very pleased to have Jim return to the Bank in this new role. Jim’s appointment further demonstrates our commitment to the Pioneer Valley and will enable Berkshire to continue to develop our already strong presence in Connecticut, under the direction of SVP Commercial Regional Leader Peter Samson,” said Senior EVP Commercial Banking George Bacigalupo.

Jim holds a bachelor’s degree from Boston College and an MBA from Boston University. He is board chair and president of the board of directors for Common Capital, a board member for New England Certified Development Corp., and serves on Wilbraham Friends of Recreation.

Daily News

SPRINGFIELD — Bolstering its commitment to reach consumers on their terms, Massachusetts Mutual Life Insurance Co. has appointed longtime financial-services branding and marketing executive Jennifer Halloran as head of Brand and Advertising.

Halloran, who is based in Boston and reports to MassMutual Chief Customer Experience Officer Gareth Ross, will oversee the collaborative development and implementation of the company’s initiatives in brand marketing, community responsibility, digital content, and social engagement. She will also be responsible for managing the deployment of the MassMutual brand strategy throughout all channels, as well as in the company’s community-engagement efforts.

“We are excited to have someone with Jennifer’s track record of experience in the financial-services industry and business acumen on board to further enable us to drive the MassMutual brand in a way that is consistent with our strategy, and create a consistent experience within the marketplace and with our customers,” said Ross. “Her experience, creativity, and passion for collaboration — underscored by her successes throughout her two-decade career — will be invaluable as we move forward as a company.”

Halloran was most recently with Fidelity Investments, where she spent a total of eight years in a variety of leadership roles in marketing, communications, and branding. These responsibilities included managing and executing the redesign of web, digital, and content programs for Fidelity’s Innovation Lab, as well as many other cross-channel digital customer-experience programs. She also held various marketing, communications, and brand-strategy positions with both Mobiquity Inc. and Putnam Investments. She began her career in 1996 with integrated advertising agency Digitas (now DigitasLBi).

A graduate of Boston College with a bachelor’s degree in economics and political science, Halloran earned her MBA in marketing/marketing management from Babson College’s Franklin W. Olin Graduate School of Business.

Daily News

WILBRAHAM — Matt Roberts recently joined the Gaudreau Group Insurance and Financial Services Agency of Wilbraham as a business insurance service & sales assistant. He specializes in helping identify gaps in commercial insurance coverage, as well as areas in which a business may have been overinsured, which results in better control over costs while achieving more solid coverage.

“Matt delivers real value to our clients by helping them understand their insurance cost drivers, especially workers’ compensation. He utilizes our industry-leading technology, including forecasting tools and predictive budget analysis, to help our clients stay proactive and have better control over their insurance dollars,” said Jules Gaudreau, president of the Gaudreau Group.

Roberts has been in the insurance industry since 2011, when he started his career with a large national carrier. He is a graduate of Lasell College in Newton, with bachelor’s degrees in both accounting and business management.

Community Spotlight Features

Community Spotlight

Michael Sundell and Mayor Karen Cadieux

Michael Sundell and Mayor Karen Cadieux say the new Mill 180 Park is a unique venue that provides people with a place to relax, have fun, and enjoy nature free of charge.

It’s a park like no other.

To begin with, it’s inside an old mill building and filled with a seemingly endless array of large, leafy edible plants that are used to prepare foods in the open restaurant that sits in the park’s center. The plants are grown hydroponically, or without soil, and are nourished with lights and a special mineral solution.

There are spaces inside the park’s 14,000 square feet to suit every mood: private and communal seating areas, a mushroom house designed to be an enclosed area for meetings and other gatherings, an amphitheater built for lounging and conversation, and the multi-level Hamptonaeum, which park owner Michael Sundel says is a modern version of space set aside centuries ago by towns and cities to promote learning.

The park, which opened Sept. 7, has already put down roots in the community, and on a recent day families were enjoying the golf putting area, ring toss, bocce, and two cornhole games in a space where Sundel hopes to start cornhole leagues this winter.

To make things even better, the park is open seven days a week, there is no admission charge, and everything — except the food in the restaurant — is free.

Indeed, Mill 180 Park in Easthampton is a new concept and pilot that Sundel created to give children and adults a place to do things they would normally enjoy in an urban yard on a year-round basis.

“I wanted to give people the sense that they are in nature in a place that is educational, fun, and relaxing,” he told BusinessWest, adding that his background is in software and he hopes he can sell the idea and expand the park in the future.

It’s a quiet place filled with relaxing sounds, created through a process known as weatherbending; the sounds change constantly according to elements such as the local weather, the time of day and time of year, and the cycles of seeding, growing, maturing, and harvesting in the hydroponic gardens.

Visitors have been treated to live music on Friday nights, birthday parties have been held there, and so has a Democratic Committee meeting, among other meetings. And the park has applied for one of the eight new all-alcohol liquor licenses Easthampton has granted to stimulate business downtown and in the Mill District.

Mayor Karen Cadieux loves the park, has attended events in it, and sees it as an exciting addition to a multitude of projects that have been taking place in Easthampton.

“We are just buzzing with economic growth and have had eight ribbon-cuttings in the last month alone,” she said, noting that the grand-opening events took place at diverse businesses ranging from Mill 180 Park to a new club where people can play table tennis, an interior-design studio, an art studio, a laser and cosmetic-surgery center, and a manufacturing facility.

Some of the businesses are new ventures, others chose to move to the city, and still others changed their location within Easthampton because they needed room to expand.

But they all speak to the vitality of a city that has transformed its mills, created a thriving arts district, and become a destination, thanks to public and private investments and partnerships thoughtfully forged between the city and its business community.

For this edition, BusinessWest continues its Community Spotlight series with a look at what is happening in Easthampton and the factors that have led to what Cadieux calls “a whirlwind of economic activity.”

Reinventing Space

Developer Mike Michon, who is responsible for the revitalization of Mill 180, purchased it after deciding in 2008 to move his family to Western Mass.

They were living on the South Shore, and he looked at sites in Springfield and Holyoke before finding Mill 180, which he purchased largely due to its location.

“I did a demographic study before I moved here, met people in City Hall, and thought it was a nice place to do business. Everyone in town has been very supportive,” he said.

The mill was in really bad shape when he bought it, but the fact that it faces Mt. Tom and has a pond, bike path, and park behind it appealed to him.

“I thought it would be a great place for mixed-use development,” Michon said, adding that it took a year to put the deal together, but he found the city “very developer-friendly” as he obtained the permits needed to move forward.

Today, in addition to the new indoor park, Mill 180 is home to the Conway School of Landscape Architecture, a number of software and advertising companies, a machine shop, and an insurance company, all of which occupy the first two floors.

The mill’s third floor contains 24 high-end, market-rate apartments with beautiful views. The final units were completed in June, and although rents are as high as $2,400 per month, they were all pre-rented before they were finished.

Phase 3 of the six-mile section of the Manhan Rail Trail that runs through Easthampton behind the mills was recently completed and is expected to bring foot and vehicular traffic to tenants, include new breweries with outdoor patios facing the bike path, and all types of businesses.

Phase 3 included a new, 1.4 million-square-foot, lighted parking lot that runs behind all of the mill buildings; walkways that provide access from the bike path to the parking lot; and a retaining wall that separates the parking area from the rail trail.

Michon said the changes and new parking lot are a wonderful example of a very successful public-private venture that was funded by three major MassWorks grants.

Cadieux noted that the Pleasant Street Mills Project started with work by the city so the fire department could access the back of the building.

But it quickly morphed into a larger project: the mills were rezoned for mixed use, and the city worked closely with the Pleasant Street owners.

Michon played an important role, as he recognized in 2010 that more parking was needed, and after talking with legislators, he and another mill owner spent a significant amount of money upgrading their spaces.

The magnitude of the project also led Eversource (formerly WMECO) to upgrade the electric lines going into the buildings.

“It’s something they had not planned to do for 10 years, but they were inspired by the project and the fact that the mill owners invested money to do renovations at the same time,” Cadieux said.

Today, thanks to three substantial MassWorks grants, three of the revitalized, 19th-century brick mill buildings have been connected, there is a main public entryway behind them, and the expanded parking lot that ties the back of the mills to the Manhan Rail Trail, Lower Mill Pond, and CCC Park, on the other side of the rail trail behind the mills, was finally finished several weeks ago.

“It’s incredible to get grants for three years from the state, but it’s because of our success story,” Cadieux said. “It’s an example of state dollars put to use at their best.”

Diverse Growth

The majority of change taking place in Easthampton is occurring in the Mill District and the Cottage Street Cultural District, which was one of the first cultural districts approved by the state.

Cadieux said three grand openings were staged over the past month in the Keystone Mill Building at 122 Pleasant St., where ongoing renovations have been made to suit tenants.

Design House 413 Kitchen Showroom recently held a grand opening in the building, and so did New England Felting Supply and KW Home, which both moved from the former Majestic Theater building on Cottage Street because they needed room to expand.

Cadieux said the space they had occupied was filled immediately by Off the Map Tattoo, another Easthampton business which had outgrown its space, but wanted to stay in the city and was able to consolidate its operations under one roof in its new location at 82½ Cottage St.

“We were really excited that Off the Map found the space they needed because we didn’t want to lose the business,” Cadieux said, noting that, in addition to offering tattoos and tattoo removal, the business hosts guest artists, offers a wide array of special events and educational seminars, and has other locations in Colorado and Italy.

Another unusual new business — Zing! Table Tennis Club — also opened in the past few weeks in a 3,800-square-foot space at 122 Pleasant St.

Cadieux told BusinessWest that the ribbon cuttings are expected to continue, because an entirely new business is waiting to open in the Keystone Mill Building.

Easthampton officials approved a 27,000-square-foot medical-marijuana cultivation and dispensary/retail store in March that will be operated by Hampden County Care Facility Inc. and is expected to create 50 new jobs. At this point, the company is waiting for state approval to open.

However, the mills are not the only area where growth is occurring. A ribbon cutting was held several weeks ago at the Button Building on 123 Union St. when Dr. William Truswell, a board-certified facial plastic surgeon, moved his Aesthetic Laser & Cosmetic Surgery Center from Northampton to Easthampton.

“The Button Building was purchased several years ago by Five Star Building Corp., has been completely renovated, and is almost filled to capacity,” Cadieux said.

In addition, on Sept. 23, two artists opened Spot 22 in the Cottage Street Cultural District. Amy Johnquest, who makes custom-painted banners under the BannerQueen moniker, is sharing the space with photo dealer Stacy Waldman, who collects and sells vintage snapshots, photographs, and ephemera under the name House of Mirth, and the business is expected to bring a new element to the thriving area.

“We’re very lucky to be able to maintain our economic diversity,” Cadieux said.

She attributes the accelerated growth that has taken place in the city over the past few years to the single tax rate, the vibrancy of the community, and the unusually strong partnerships that exist between the city and its businesses.

But they have been carefully forged, and the mayor is doing all she can to facilitate growth.

For example, whenever a business is interested in moving to Easthampton she sets up a meeting with city officials, that include the fire and police chiefs, the city planner, a health agent, and representatives from the Building Commission and Department of Public Works, who sit down with the business owner and let them know what they need to do before they go in front of the regulatory board.

“It has worked out very well; businesses are attracted to a thriving community, and that’s what we are,” Cadieux said.

The city also updated its website several months ago, making it more user friendly as well as comprehensive, and published a Small Business Permitting Guide in June.

And in June, the mayor staged a so-called ‘Listening Session’ for the entire business community, and their concerns were taken into consideration in a review undertaken by the Pioneer Valley Planning Commission to determine if ordinances need to be changed to keep the city competitive with surrounding communities.

“I wanted to find out if we are over-regulated, under-regulated, and if we are really competitive,” Cadieux said, adding the report was just completed.

Moving Forward

Dramatic changes that have occurred in Easthampton in recent years include the revitalization of the mill area and the fact that the city has become a place known for the arts, thanks to Cottage Street’s designation by the Mass Cultural Council as a Cultural District.

“That area is thriving and filled with artists, restaurants, and businesses. We’ve been working on the downtown area for many years and it’s an amazing build out,” Cadieux said, noting the addition of three breweries and the $945,000 Nashawannuk Pond Promenade Park which was finished last year and boasts a boardwalk, three handicapped boat ramps, and an area for fishing, have made Easthampton a destination location.

“It’s all a continuum of how we have been rebuilding the community; there is so much going on here that it is difficult to focus on any one thing,” Cadieux said.

Which makes Mill 180 Park even more important, because it provides residents with an unusual place to relax, have fun and enjoy the beauty of nature — albeit, inside.

Easthampton at a glance

Year Incorporated: 1809
Population: 16,036
Area: 13.6 square miles
County: Hampshire
Residential Tax Rate: $15.59
Commercial Tax Rate: $15.59
Median Household Income: $57,134
Family Household Income: $78,281
Type of government: Mayor, City Council
Largest employers: Berry Plastics; Williston Northampton School; National Non Wovens; October Co.

* Latest information available

Sections Travel and Tourism

The Fright Stuff

Brennan McKenna says Warner Farm aims to provide scares for all ages each October.

Brennan McKenna says Warner Farm aims to provide scares for all ages each October.

Haunted houses and other Halloween attractions are nothing new, but they’re enjoying somewhat of a renaissance in America today, generating, by one estimate, more than $1 billion in revenues annually. Some are kid-friendly, while others are extreme enough to issue guests a safe word in case they need an early exit. But they all feed off people’s natural attraction to an often-intense adrenaline rush that’s totally safe — even though it might not feel that way at the time.

 

Brennan McKenna started working at Warner Farm at age 14, manning the strawberry stand. He returned every summer during high school and college, and started helping out with the farm’s renowned, artistic corn mazes in 2004; that year’s design was George W. Bush and John Kerry.

He’s had other jobs since, but he takes pride in his current role — pressed for a title, he came up with ‘haunted events manager’ — at the Sunderland farm.

“I tell people, ‘my job this week is to figure out how to scare people in the most efficient way, using some piece of farm equipment.’”

He’s not kidding — one scene in the haunted cornfield depicts an executioner’s chamber, where one poor character (not real, fortunately) is being chopped apart by — well, McKenna isn’t sure what it is, except that it’s an old farm implement stamped with the year 1875.

Adjoining this walk-through attraction is Mike’s Maze, an annual corn-maze attraction first created by farm owner Mike Wissemann and an artist neighbor 16 years ago; the theme for this year’s maze is “See America,” a tribute to the National Park Service. That remains a draw throughout each fall for visitors who enjoy navigating it by day and, with flashlights in hand, by night.

The neighboring haunted maze is a more recent addition, first developed three years ago. The farm has since added Zombie Night Patrol, where guests ride a wagon through a creepy village and shoot mounted paintball guns at the zombies who charge the vehicle.

“That’s a thrill,” McKenna said as he gave BusinessWest a tour of the village — like the haunted maze, silent during the day but ready to spring to life (or at least some undead state) thanks to a gaggle of paid actors in costumes and makeup. “Kids can do this and not get overly scared. The haunted corn maze is much scarier because walking through corn thinking someone’s going to pop out is inherently scary.”


See: Area Tourist Attractions


The Halloween attractions at Warner’s, collectively called Mike’s at Night, have been a boon for the farm, which aims for a complete family experience, complete with concessions, live music, and a children’s play area with slides, a jump pad, and pedal cars.

It’s also an example of how Americans have increasingly embraced the fun and pageantry of Halloween in recent years, evidenced by a proliferation of haunted houses and other spooky attractions.

Jeremie LaPointe and David Spear recognized that trend when they launched DementedFX in Easthampton two years ago. The haunted house they created drew 19,000 visitors over two seasons, and now they’re aiming higher with a new, much larger space on Main Street in Holyoke, with more room for the walk-through and an indoor bar area, serving beer and wine, that wasn’t possible before. But it wasn’t simply the need for more space that brought them to the Paper City.

“We went into this business venture thinking we wanted to get as close to the Five College area as possible,” LaPointe said. “We thought this was our demographic, but we came to find out, it really wasn’t.”

David Spear, left, and Jeremie LaPointe

David Spear, left, and Jeremie LaPointe say they don’t forbid kids from entering DemetedFX, but the intense scares are geared for adults.

The reasons aren’t totally clear, but he suggests a lack of money — today’s high-school and college students are struggling with a very difficult market for the kinds of jobs people their age used to have — may be a factor. Whatever the reason, the post-college crowd dominated the queue in Easthampton, with more sales to 36- to 50-year-olds than to the 14-to-18 crowd.

As a result, the revamped DementedFX is geared more toward adults, with some strong language, violent scenes, and ‘anatomically correct’ props, though nothing that could be considered sexual content. Children aren’t turned away, but their parents are warned, and refunds aren’t given if they decide to cut short their trip (which runs about 18 minutes, on average) by using a safe word.

“We don’t want to pander to the kids because we realized they’re not our demo,” LaPointe said. “My son’s 9, and I wouldn’t let him come here. But I’m not going to parent for people. We had a group of 5-year-olds go through with their parents the other day — and we’ve also had grown men cry.

“A lot of it has to do with your own level of anxiety, what your own fears are,” he went on. “We try to hit a lot of those fears. We use smells, which a lot of people find unpleasant. We use temperature changes, claustrophobia, light sensitivity — and it’s really loud. By the time you’re done, your anxiety level is high, so when you finally finish, it’s a moment of celebration, which is fun to watch.”

In other words, he said, getting scared is fun. Increasingly, people seem to agree.

Catching Fire

The Haunted House Assoc., an industry group, draws a distinction between Halloween attractions (hayrides, corn mazes, pumpkin patches) and haunted houses, but reports that, together, these destinations bring in more than $1 billion in revenue per year — and help keep many family farms afloat.

McCray’s Farm in South Hadley offers both types of attractions, thanks to Dan Augusto, a man who, a quarter-century ago, turned a love of Halloween and a collection of holiday-themed props into one of the region’s true seasonal success stories.

Seeking a place to display his collection, Augusto approached farm owner Don McCray, who was intrigued with the concept — originally, a simple hay-wagon ride out to the fields, into a heavily wooded area, where about 15 scary scenes were laid out, populated with both props and actors. “We probably had 30 volunteers — friends and friends of friends,” Augusto said.

There was only one problem — what was then a very limited parking area. “I told Don, ‘we need more parking; we’ll have vehicles up and down Alvord Street.’ He laughed and said, ‘settle down, city slicker.’ By the third weekend, I hopped off the wagon, and he came over and hugged me, smiling, saying, ‘Dan, I don’t know where we’re going to put these cars. You were right.’ But, at the time, it was a good problem to have.”

The second year, Augusto was paying the actors, and the event became more of a real business, with a payroll and workers’ compensation and liability insurance. Animatronic displays were added as well, and the path expanded as well to include more displays. “Every year, we said, ‘let’s try to put more and more into this space.’”

In the late 1990s, Augusto converted a large carport into the property’s first haunted walkthrough, which in recent years has become known as Massacre Manor, a full-blown haunted house, filled with animatronics and actors. This year, he added a second walk-through attraction, cheekily called DON — in reference to Don McCray, and also an acronym for Diagnostics Operation Nexus. “It’s a genetic research facility that’s had…” — here he paused for effect — “…some issues.”

DON is important in the evolution of what collectively has become known as Fear on the Farm, he explained, because now there’s truly something for everyone. The hayride aims to scare, but there’s security to be found in a big group aboard the wagon (and for those too young even for that, the farm offers milder daytime attractions for children). Massacre Manor increases the fright with a more close-up experience, and DON, aimed squarely at an adult audience, ramps up the intensity even higher.

Even the hayride is customizable depending on the crowd, and the actors will occasionally, and discreetly, break character to comfort a child or, better yet, give him a glowstick and tell him lighting it is the only way to keep the monsters at bay and save his parents — essentially, giving a sense of control back to a kid who might otherwise feel overwhelmed. Older riders don’t get the same treatment; the actors delight in targeting obviously frightened adults.

“I’ve seen some attractions where, if they see a kid crying and screaming, the actors will attack that poor kid,” Augusto said. “There’s nothing creative there; you’re terrorizing a little kid. We try to entertain that kid by going after his parents and the other people on the wagon.”

Rising Terror

As Halloween attractions have gained a greater following across the country in recent years, a strain of extreme terror experiences have popped up as well, like the popular Blackout haunted houses in New York and California, where guests are handled — often roughly, sometimes with a sexual connotation — and subjected to actual abuse. (One year, Blackout actually waterboarded people.)

Others have taken the concept further. Blackout requires a liability waiver, but also issues a safe word for those who want out immediately (and many do). San Diego’s McKamey Manor offers no safe word — and is known to last several hours, inflicting, by some accounts, real trauma on people who begged to be set free.

Dan Augusto

Dan Augusto, creator of the Fear on the Farm attractions at McCray’s, says he has long loved Halloween, a time when anyone can be anything they want.

The traditional haunted-house industry frowns on this trend, Augusto said. “It’s not creative. We might have a prop brush your leg, and your imagination runs with it. But physical touch is something I’m not interested in doing.”

LaPointe agrees, noting that DementedFX also has a no-touching policy.

“I want to classically scare you without physically touching you. It’s a lot harder. If I wanted to scare the s— out of you, I’d bind you up, take you to the basement, and throw you in a hole. That’s not what we’re trying to do here. We’re trying to get a clean scare out of you without going down that road.”

Augusto is also appalled that clowns have become associated with terror of the not-so-fun kind, thanks to myriad sightings in recent weeks that have law enforcement on edge. “One of the guys in the industry said it best: ‘if you want to dress up and scare people, come see us, and we’ll give you a job, rather than risk getting shot or arrested.’”

To maintain safety inside DementedFX, cameras are positioned in every area, constantly monitoring and recording. But there’s a second rationale behind those cameras.

“It deters people from doing malicious things, but we also watch the scares. We see if they’re successful or not. And if they’re not successful, we’ll demo out the whole thing and change it all. Using this scare knowledge, it keeps getting better and better,” said LaPointe, adding that he and Spear plan on adding another 2,000 square feet of currently unused space to the walk-through next year. “I never want to get stagnant. I’m not going to change everything out, but I want to continuously grow, bigger and better.”

Spear recalled the ‘spider house’ from DementedFX’s first year in Easthampton, a room that featured a mechanized spider that came shooting across a table. “The concept was incredible — it looked real — but it didn’t scare a lot of people,” he said. “So we got rid of it and changed the whole room over. That’s why we have the cameras, to see if people are getting bang for their buck. If we don’t like what we see, we change it. That kind of sets us apart. We’re not going to throw something together and just be happy with it. We always want to improve and be better.”

LaPointe, who noted that he and Spear conceptualize and build many of the props and animatronics (others are purchased), said they’re not making money off the undertaking — all revenues, after paying the actors, security, and other staff, are reinvested into the attraction — but they expect to be profitable within a few years. Meanwhile, they hope this year, with the big move complete, will allow them a little more family time away from what is, essentially, a year-round enterprise on top of their day jobs. “I can’t tell you how many soccer games, dance classes, dinners, Saturday and Sunday nights we missed because we were here.”

McKenna said improving Mike’s at Night each year is his goal as well, and he attends the TransWorld Halloween & Attractions Show, an annual trade event, to learn about trends and gather ideas. He also encourages changes mid-season if something isn’t providing the necessary scare. “We trust our actors to improvise and adapt to different groups. If something doesn’t work, change it and try to make it scarier.”

October Surprises

LaPointe and Spear make no bones about their goal to scare every guest, and they don’t tone it down for kids — they simply discourage them from coming. “I’ve seen kids leaving, and they’re just traumatized, and I feel bad for them,” Spear said. “But we ask them up front, ‘do you really want to do this?’”

For most guests, though, scary equals fun. Traditionally, about 1.5% of DementedFX ticket buyers opt for the safe word and an early exit — the percentage is running a touch higher this year — but most crave the adrenaline rush of facing their fears, making it all the way through, and exiting into the chill October air with smiles and shouts of relief.

“People don’t come to haunted houses looking for problems,” LaPointe said. “They’re here to have a good time.”

Augusto has also spent a lifetime embracing the fun of the season. He grew up poor in Holyoke, he said, but it never mattered on Halloween, the one day anyone could be anything they wanted for a few hours. That love of the holiday stayed with him into adulthood, when he wanted to give people a richer experience than the haunted houses that proliferated in the 1970s, “just black walls and no fire safety and cheap rubber masks. But it was still fun to do.”

Many of the actors have worked at McCray’s each October for the past 15 to 20 years, and have become a sort of family — and appreciate being able to provide an experience and memories that will stick with the families who dare to be scared.

“Every year, we lose more and more Americana,” Augusto said, adding that he hopes haunted houses and hayrides don’t go the way of the drive-in theater. He is encouraged, though. “Halloween, every year, is gaining on Christmas. Christmas is still the biggest money-generating holiday, but Halloween is right there. You see more houses decorated than ever before. America’s embracing it.”

McKenna agreed, adding that families regularly drop $30 or more on movies and popcorn, and welcome something a little different.

“Here, it’s real; it’s in person,” he said. “I think it’s the nature of the human psyche — they want the thrill, and knowing it’s a thrill that’s safe.”

Well, except for that poor guy caught in the antique farm implement. He didn’t look particularly thrilled. Or safe. Sweet dreams.

Joseph Bednar can be reached at [email protected]

Insurance Sections

Mitigating Risk

Robert Wilcox

Robert Wilcox says the Team Concept program within Wilcox Insurance Agency has proved beneficial to clients.

While acknowledging that all insurance agencies strive for solid customer service, Robert Wilcox, the fourth-generation owner of the family business that bears his name, says he takes such efforts seriously, whether it’s monitoring how claims are handled, closely assessing risk to determine what clients need (or don’t need), or even running out to house fires at night. The goal, he said, is to use his experience to help others — and, in doing so, to help his agency stand out in a crowded field.

The call came at midnight.

Robert Wilcox was in bed, but when he heard the Westfield Fire Department was battling a blaze in a client’s multi-family house, he got up, went directly to the scene, and worked with the Red Cross to find a hotel to house the displaced tenants and answer all of their questions.

“I wanted to be right there; when a tragedy occurs, it’s part of my job to help people find some sort of peace of mind and comfort, reassure them that everything will be OK,” said the fourth-generation owner of Wilcox Insurance in Westfield and Agawam, adding that a second major fire had occurred a few days earlier, and he also went directly to that home.

In another instance, Wilcox went to battle for a client when an insurance claim was denied in a highly unusual situation. He told BusinessWest a tenant had died on the second floor of a two-story building, and there was more than $30,000 of damage as blood and body fluids had ruined the floors and carpeting and the stench permeated the unit.

“The insurance carrier tried to deny the claim on a pollution exclusion in the policy,” Wilcox said. “But I argued that it wasn’t pollution and got them to pay the claim.”

He cited a number of other situations when he went to bat for clients and won, including times when auto insurers didn’t want to pay for expensive parts needed to repair a vehicle.

“My goal is to do the right thing. Fighting for a client can involve a lot of frustration, but it’s worth it when I can hand them a check that relieves their anxiety,” Wilcox continued.

The father of six children aged 5 to 17 is very active in both the community and the insurance industry, and when the interview began, he immediately acknowledged that all insurance companies work hard to provide excellent customer service.


See: Insurance Agencies in the region


But rather than focusing on competitors or what the market is doing, Wilcox takes a different approach to business by focusing on how things are handled within his own agency, which ranges from monitoring phone calls and how claims are handled to alerting customers when changes need to be made to their policies or things such as accident forgiveness come into play, to closely assessing risk for new commercial clients by taking the time to understand exactly what they do and their ensuing exposure to risk.

“The ultimate purpose in life is to use your experience to help others. It’s all about being helpful, which is my goal,” Wilcox said.

For this issue and its focus on insurance, BusinessWest looks at the history of this family-owned company and the creative measures that have been instituted to ensure the agency continues to thrive in a time when polices sold via the Internet, or through TV ads generated by direct writers such as Allstate and Nationwide, have made competition especially fierce.

Storied History

Wilcox’s great grandfather, the late Raymond Wilcox, was a tobacco farmer before he founded Westfield Mutual Insurance Agency Inc.

The reason for his career change was devastation: his farm was hit by two hailstorms, and although he recovered from the first one, the second one marked the end of his business.

“At that point, he began knocking on doors and selling insurance,” Robert said, adding that Raymond opened his own insurance firm on Sept. 1, 1923.

In 1937, he was joined by his son, Malcolm Wilcox, and during the ’40s and ’50s, the agency underwent remarkable growth.

“My father, Scott Wilcox, came on board in 1962, and when I started in 1990, my grandfather was still working,” Robert recalled, adding that, when his dad retired in 2012, he bought the business from him.

His own entry into the firm came when he was a college student. He was living independently, and when he found he was $40 short of meeting his expenses each month, he called his father to ask for help and was told to show up at the agency on Monday morning.

Wilcox said he began working part-time, and has been at the agency ever since. He literally started at the bottom, sweeping the basement, and continued his college career while he worked, eventually earning an associate’s degree in business studies from Holyoke Community College and a bachelor’s degree in finance from Westfield State College.

Wilcox earned his license to sell insurance in 1993, and as his love for the business grew, he became active in the industry. Today, his history of service includes stints as president of the Independent Insurance Agents of Hampden County and the Massachusetts/Rhode Island User Group of Applied Systems.

In 1997, Wilcox and his father purchased Pomeroy Insurance Agency and Clem Insurance Agency, followed by Palczynski Insurance Agency in 2000. All three of these businesses were in Westfield, and in 2002, the name of the agency was changed to reflect how most of clients referred to the them, as well as the fact that they wrote so much business outside of Westfield.

“We didn’t want our image to limit our reach to Westfield only,” Robert said. “It also fit our goal to acquire other agencies outside of Westfield.”

Members of the Team Concept

Members of the Team Concept program get together each month and go over practices that need to be continued and others that can be improved in order to provide the best service possible to customers.

In 2005 he built a new office for the company at its present location on Broad Street. The following year he acquired Foley Insurance Agency in Feeding Hills, and four years later he built a new office in Agawam to provide service for his agency’s new customers.

“My focus is on growth through acquisition, and I hope to be able to acquire additional agencies,” he told BusinessWest, adding that he has great respect for the companies he’s purchased.

The cornerstone of his own success is based on applying knowledge gleaned from personal experience and certifications to make sure each client has the coverage they need to fit their individual situations.

To that end, Wilcox and his employees inform current clients about any changes they may need to make to their policies, and spend an unusual amount of time working to determine exactly what each new client needs, which is especially important for commercial accounts due to their differing operations.

“You need to understand everything a business does, in addition to conducting a survey of their equipment and property,” Wilcox said, adding that he is a certified insurance counselor and licensed insurance advisor, and although few people in Western Mass. hold that designation, he chose to pursue it to increase his knowledge of risk assessment.

To that end, he learns all he can about a business and how it operates to make sure policies don’t contain exclusions that could prove costly. For example, a business that cleans carpets on site and offers storage needs accident coverage that doesn’t exclude the property of others.

The goal is to serve the client in the best way possible, and in some cases a close investigation can result in lower premiums. For example, Wilcox gained a client after talking to him about the 20-plus buildings he owned that contained 127 residential units.

“He had been told that he had to carry insurance on all of the buildings and wanted to know if he could self-insure the structures he owned outright,” Wilcox said, explaining that, although he needed liability insurance for every rental property, he did not need to insure buildings without a mortgage.

Since the prospect wasn’t concerned about losing buildings he owned to fire or other catastrophic events, he was able to save thousands in premiums.

“We are not a hard-sell agency; our approach is to build relationships and protect assets by understanding the client’s exposures and tailoring coverage to meet those needs,” he explained.

Innovative Change

Eighteen months ago, Wilcox devised a pilot program based on leadership that he designed to increase responsibility, determine practices that work well and should be continued, and examine instances where change could result in better customer service.

The program is called the Wilcox Service Team Concept, and four key account managers take turns acting as the team leader through a monthly rotation process. There are guidelines that promote objectivity and prevent judgment from occurring as they review situations that occurred during the month.

“It’s easy for employees in a small office to focus on what others are doing instead of looking at their own work,” he explained. “But our team works together for the betterment of clients.

“We focus on excellence; everything that is discussed is considered a teaching moment and is brought up from the position of being helpful,” he went on, adding that he wants his team to continuously think of innovative ways to serve clients and stay relevant in today’s business world.

Wilcox doesn’t attend most meetings; he considers himself a leader but trusts his employees and wants them to become leaders themselves.

Account Manager Lisa Fox finds Team Concept beneficial, and enjoys the fact that account managers do all they can to help one another, which she finds significant, as she never received any help when she worked in the claims department of two large, multiline carriers before coming to Wilcox.

“We’re comfortable bouncing ideas off one another and asking each other for help; we all have our own strengths, and Team Concept has really given us a chance to see what has worked well and where we can do better,” she told BusinessWest, adding that sharing information is educational for everyone.

For example, a client recently wanted to get a homemade trailer registered. It was never a problem in the past; the Registry of Motor Vehicles had complied with similar requests after they saw store receipts listing parts purchased to create the trailer. But in this instance, the client used parts that he already owned, which included a chassis with a serial number that the Wilcox agent found had to be traced.

Fox said sharing information about how to handle similar requests in the future prove educational to everyone concerned. “The team approach really brings things to light and has benefittd the agency.”

Marylinda Kruzel agrees. “I have never worked for a place that had anything like the Team Concept,” said the commercial lines account manager. “It took time to structure our thinking and keep to the facts without judgment during meetings, but it has resulted in open communication throughout the month as we aim to provide unified service to clients. We strive to handle every scenario in a way that is best for the client.”

Mary Russell added that Team Concept has led the agents to trust each other’s knowledge and abilities. “We always focus on the positive and how we can help the client,” she noted, citing an instance where it was pointed out that the time a client spent at the agency might have been shorter if the application process had been completed during a phone interview.

Such changes can be accomplished in a matter of minutes, but Wilcox is happy with the outcome. “The team members are thinking on an entirely different level than they were when they were just doing the job in front of them,” he noted.

Legacy of Service

Wilcox describes his 26 years in the insurance industry as a “very rich experience” and is grateful for what he has learned from his customers, knowledge gained from acquiring other companies and during the building process, and the relationships he has formed on the job and in the community, as service has been a long-standing family tradition.

He was a member of the Rotary Club of Westfield from 1995 to 2009 and served several terms on its board of directors, and is treasurer for Sarah Gillette Services for the Elderly and a trustee to Noble Visiting Nurse and Hospice Services.

“All of this experience has led the company to where we are today; we are not here to sell people policies, but to share our experiences with others and be helpful,” he explained. “No one knows where a business will end up, but I believe independent insurance agencies will continue operating in the future, and I want to make sure I am one of them.”

Which seems likely as the team works with Wilcox to perpetuate a legacy that began almost 100 years ago when his great-grandfather set out to help others after suffering his own devastating loss.

“No one plans on having anything bad happen,”Wilcox said, “but if it does, we want to make sure they have the right coverage.”

Insurance Sections

Recovering from a Disaster

By John E. Dowd Jr.

John E. Dowd Jr.

John E. Dowd Jr.

Change in the business environment is expected. From regional landscape shifts and government regulations to emerging technologies, international competition, and more, it’s important to consider all the reasons why and how to insure your business.

And while some changes are predictable, others are not, but there are ways to plan for both.

What if you went to the office one morning to find nothing there? A flood, hurricane, tornado, or terrorist attack made it impossible to conduct business as usual. It’s not a purely academic question: thousands of business owners have confronted this very problem across the eastern seaboard in the wake of recent hurricanes, including Sandy, which devastated the New Jersey and New York shorelines with storm surges up to 20 feet high, and Matthew making headlines more recently. And it wasn’t hypothetical for New Orleans businesses in areas destroyed by the Katrina flooding, nor for dozens of businesses that had significant operations in the World Trade Center on Sept. 11, 2001. In the latter case, tragically, many businesses not only lost their offices, but people as well.

How would you get back on your feet? The odds, unfortunately, are against you.

According to research from the University of Texas, 43% of businesses affected by catastrophic disasters like 9/11, Sandy, and Katrina never open their doors again. Another 51% shut down within two years. Only 6% survive and go on to prosper.

The key, as with so many things, lies with preparation. Your chances of pulling your business out of a severe catastrophe are largely determined long before the catastrophe strikes.

Here are some of the types of insurance coverage business owners should consider to safeguard the future:

Liability Insurance: From medical or legal fees to damages a business may be held accountable for in the event of a disaster, liability insurance covers the day-to-day uncertainties of managing a business.

Workers’ Compensation Insurance: Employees who have sustained a work-related injury may be entitled to workers’ compensation. Not only is their contribution missed by your team, but the costs can be a burden if your business does not properly plan for their untimely absence.

Property Insurance: Did you skimp on flood or fire insurance? Do you store records in fireproof cabinets, or do you house them in a basement or low-lying, ground-floor storage that is prone to flooding? From weather-related disasters to fires and theft, property insurance is essential.

Life Insurance: Have you considered key-person insurance policies to have in place that could provide a cash cushion as your business deals with the death or disability of a partner or key employee? It’s important to consider the value that each staff member brings to your business and to have a plan in place if they were temporarily or permanently unavailable to continue work.

Cyber-liability Insurance: In the digital era, mother nature is not the only source of disasters. Most businesses handle some degree of sensitive customer information, and a data breach could be catastrophic. Cyber-liability insurance is essential to protect against a data breach and may help with legal defense, court-related costs, judgments, settlements, and costs involving crisis management, such as credit monitoring and public-relations services. Another type of cyber-liability insurance regards third-party defense and liability. This may produce liability coverage for electronic media, which could include copyright infringement, network security, and privacy liability issues.

An important note for small businesses is that they are frequently targeted for data breaches because they rarely have the resources such as a robust IT department to prepare and defend against cyber attacks. It is important to remember that general liability policies often exclude cyber liability and related costs. Any company that handles sensitive customer information must be aware of their vulnerability. If your company processes payments with credit cards, has access to customer bank-account numbers, Social Security numbers, or any medical data, you may be particularly at risk.

Have you gone through a formal process to determine your insurable risk in the event of a catastrophe? Generally, from the point of view of a business interruption insurance underwriter, your insurable risk is the amount of lost revenue due to the disaster, plus your monthly business overhead, times the number of months your business will be disrupted by a potential disaster. Whether your business is large or small, coverage choices can be complicated and intimidating. It makes sense to look to the experts in the field to make the process of examining your personal needs easier, and ultimately develop a plan that is customized and responsive to whatever may be in your future.

Finally, does your company have a formal overall disaster plan that would kick into gear after experiencing a serious catastrophic event? If not, your insurance agent/broker should be able to help you develop a plan that will make sure you are prepared for any situation that comes your way.

Taking the time to review this plan now before an event occurs makes very good business sense.

John E. Dowd Jr. is president and CEO of the Dowd Insurance Agencies, LLC. He represents the Dowd family’s fourth generation in the agencies, founded by his great-grandfather in 1898. Additionally, he holds several professional credentials and is an Accredited Advisor in Insurance (AAI) and a Licensed Insurance Advisor (LIA); (800) 542-0131; dowd.com

DBA Certificates Departments

The following Business Certificates and Trade Names were issued or renewed during the month of September 2016.

AGAWAM

Ayre Investments
648 Main St., 1st Floor
Timothy Ayre

Brick Road Consulting
105 Autumn St.
Ryan Wood

Bussolari Landscaping
124 Mill St.
Christopher Bussolari

Feeding Hills Sunoco
2 South Westfield St.
NEC OPCO 1 Inc.

F.L. Roberts Agawam
6 Lealand Ave.
NEC OPCO 1 Inc.

The Gadgeteeria
499 Meadow St.
Lola Foote

Henry’s Painting
15 Melrose Place
Matthew Henry

Palazzi Painting
64 Barry St.
Aldo Palazzi

AMHERST

Amherst Associates, LLC d/b/a Hawkins Meadow Apartments
370E Northampton Road
JCSK Holdings, LLC, Jonathan Rosen, and JCSK Properties Corp.

Clearpoint Communications
72 Pelham Road
Eddy Goldberg

Equinox Video
145 University Dr., #2443
Leslie Mason

Quantum Breakthroughs
401 Main St.
Deborah Maclin

CHICOPEE

Agwood, LLC
17 Naomi St.
Arkadiusz Gajda

East St. Cleaners
423 East St.
Sun Choi

Joe’s Remodeling
36 Montvue St.
Joseph Smith Jr.

LulaRoe
142 Mountainview St.
Angela Taal

Murray Automotive
102 Old Fuller Road
Michael Murray

Holyoke

Hibiscus
427 South Elm St.
Yonghe Chen

RBW Painting
50 Sycamore St.
Bruce White

Rent-a-Center East Inc. d/b/a Rent-a-Center #01551
2253 Northampton St.
Felicia Jackson

NORTHAMPTON

Allies in Recovery
69 Prospect St.
Dominique Simon

Bellows Group
33 Longfellow Dr.
Michaela O’Brien and Nathaniel Reade

Pixel Shrub Bioinformatics
54 Audobon Road
Jessica Rain Grant

Sweeties Fine Chocolate
68 Main St.
Charles Burke

SPRINGFIELD

Acquisition Advisors, LLC
471 Trafton Road
Kathleen Zizik

Belliveau Home Improvement
906 Bradley Road
Marc Belliveau

Charron’s Hair Care Services
460 Main St.
Mabel Charron

Foreclosure Cleaning
24 Ellen St.
Crystal Quiles

G.H. Berlin Woodward
85 Carando Dr.
BWE LLC

Highland Farm
560 State St.
Iqbal Shahid

Hilltop Veterans Assoc.
1105 Worthington St.
Gilbert Dillard

J.C. Quick Supply
26 Kenwood Terrace
Julio Casado

Joe Potito Electrical
142 Shawmut St.
Joseph Potito

Make It Happen Maintenance
148 Benz St.
Ralph Manzi

My Wide World Productions
966 Sumner Ave.
Scott Coen

Pham Insurance Agency
433 Belmont St.
Hung Pham

South Bay Community Services
146 High St.
Michael Pelletier

Springfield Trampoline Sports
1250 St. James Ave.
Robert Doty

The Law Office of Thomas J. McCormick
293 Bridge St.
Thomas McCormick

Tito’s Barber Shop
855 Berkshire Ave.
Tito Lewis

WESTFIELD

Alex’s Auto Care
11 Bartlett St.
Aleksandr Yurovskih

A.R. Deliveries
18 Margerie St.
Anatolie Reznicenco

C & C Home Improvements
23 Day Ave.
Joshua Cotugno

Complete Lawn & Landscape
273 Prospect St. Ext.
Kyle Patrick

Controls & Integration
56 Overlook Dr.
Craig Brown

ENA Consulting
36 Loomis Ridge
Emily Nissen Amanti

Express Your Way To Wholeness
74 Putnam Dr.
Linda Coffin

Game City
77 Elm St.
Game City

Gomes Designing Homes
10 Harrison Ave.
Matthew Gomes

Martyn Transport
16 Squawfield Road
Vadim Martynyuk

Maura Bonavita Skin Care
154 Wild Flower Circle
Maura Bonavita

NE Christian Homeschool Academy
297 Russell Road
Samantha and Ron Gulsvig

Same Day 6
70 Court St., Suite 6
Dmitriy Shlemanov

WEST SPRINGFIELD

ADT Security Services
76-78 Capital Dr.
ADT LLC

Alex Auto Paint
74 Wayside Dr.
Alex Rudenko

Audi West Springfield
434 Memorial Ave.
Damon Cartelli

Convenience Mart
7 Chester St.
Mohammad Ishaq

DP Transport
105 River St.
Dmitriy Primakov

Marsupicool Design
14 Dewey St.
Katherine McClelland

Qualified Plans LLC
131 Wayside Ave.
John Massey

Riverdale Street F.L. Roberts
1130 Riverdale St.
Tony El-Nemr

Sherwin-Williams Co.
47 Roanoke Ave.
Cheryl Lebron

West Springfield F.L. Roberts
518 Memorial Ave.
Tony El-Nemr

Westfield Street F.L. Roberts
735 Westfield St.
Tony El-Nemr

Westfield Street Sunoco
2667 Westfield St.
Tony El-Nemr

Zenex Central Vacuum Systems
857 Elm St.
Jeffrey Novak

Departments People on the Move
Jay Presser

Jay Presser

Skoler, Abbott & Presser, P.C. announced that, after 40 years of practicing law, Attorney Jay Presser has retired. “It has truly been an honor for me to be a part of the firm,” said Presser. “My career at Skoler Abbott has afforded me the distinct opportunity of working alongside some of the best lawyers in our region, and I know the firm’s legal reputation will continue on for many years.” Presser, who started with the firm in 1977, has more than 40 years of experience litigating employment cases in federal and state courts and before administrative agencies, including the National Labor Relations Board, the Mass. Commission Against Discrimination, and the State Labor Relations Commission. He has successfully defended employers in civil actions and jury trials and has handled cases in all areas of employment law. He has won appeals before the Supreme Judicial Court and the First and Second Circuit Courts of Appeals, and has represented employers in hundreds of arbitration cases arising under collective-bargaining agreements. In addition to his consistent track record in the courtroom, he has received numerous honors, along with more than 20 consecutive years on the Best Lawyers in America list. “As we reflect on Jay’s retirement, we look forward to the future of the firm,” said attorney Timothy Murphy. “With his help, we have assembled an excellent team of legal professionals — a legacy that Jay will leave behind for years to come.”
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The Gaudreau Group Insurance and Financial Services Agency of Wilbraham welcomed Tracy Goodman, Personal Risk Specialist, to its personal insurance team. Using the agency’s access to dozens of carriers to ensure a customized experience for each client, Goodman designs personal risk-management plans for individuals and employer groups, helping protect what’s important to them. She specializes in coverages including life, home, auto, renters, and umbrella. “Tracy takes pride in completing a thorough coverage analysis with each client, helping them to understand their coverage, feel financially comfortable, and know what to expect if they ever have a loss. She’s a valuable addition to our remarkable personal insurance team, and our clients will benefit from her unique skillset and perspective,” said Jules Gaudreau, president of the Gaudreau Group. Goodman has been in the insurance industry since 2008, with prior experience in human resources and recruiting. She is co-chair of programs for the Women Business Owners Alliance, is a volunteer and mentor with Girls Inc., conducts community outreach for the Springfield JCC’s J-Art program, and is a member of the Professional Women’s Chamber. She is a graduate of the University of Delaware and completed a semester abroad at Ben-Gurion University of the Negev in Beersheba, Israel. She is continuing her insurance education in the prestigious Certified Insurance Counselor program.
•••••
Kate Phelon, executive director of the Greater Westfield Chamber of Commerce, was appointed by Gov. Charlie Baker to the Mass. Advanced Manufacturing Collaborative (AMC) in September. This appointment is one of three by the governor; the other two are representatives of advanced-manufacturing companies. Phelon will be part of a commission looking at the future of manufacturing in Massachusetts. “I am very honored and excited about this appointment and appreciate the state’s leadership in recognizing the role a chamber of commerce representative can have in not only formulating agenda’s for particular industries, but the outreach we have with our membership,” Phelon said. The purpose of the AMC will be to develop and implement the Commonwealth’s manufacturing agenda with the goal to foster and strengthen the necessary conditions to promote growth and innovation of manufacturing within Massachusetts. The AMC will focus on four areas: workforce development and education; technical assistance, innovation, and access to capital; enhancement of competitiveness, easing cost of doing business, and regulatory review of SMEs; and promoting manufacturing, which will include attracting a talented workforce, and expansion of in-state marketing of the supply chain. In addition, the AMC works in conjunction with President Obama’s Advanced Manufacturing Partnership, as well as with seven additional states through the National Governors Assoc. Center of Best Practices Policy Academy on Advanced Manufacturing and Innovation. Phelon attended her first full meeting of the collaborative in mid-September and learned first-hand what the subcommittees have been working on. “Right now, the subcommittees are working on a five-year strategic-planning process to develop a strategy to keep manufacturing growing, exciting, inclusive, and innovative,” she said. “I was amazed at the work that has been done by these subcommittees and am very excited to work with stakeholders in the public and private sectors.” As she gets more involved and acclimated to the work this collaborative is conducting, Phelon will share information as it becomes available and will be in contact with local manufacturers as necessary.
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Meyers Brothers Kalicka, P.C. recently welcomed Emily Klassanos and Brian Benson to the firm as part of its next generation of talent.

Emily Klassanos

Emily Klassanos

• Klassanos comes to the firm from Elms College, with previous experience as an accounting intern with a local public accounting firm. She earned a dual bachelor’s degree in accounting and marketing from Elms, where she graduated magna cum laude, with a foundation in both technical work and the creative and strategic applications of marketing and market development. Additionally, she is currently pursuing her master’s degree in accounting and financial planning, also at Elms. She is a member of Mass. Society of Certified Public Accountants (MSCPA) and the American Institute of Certified Public Accountants (AICPA). In May 2015, she was the recipient of the William Donovan Award in Accounting Excellence at Elms College.

Brian Benson

Brian Benson

• Benson began his career at MBK as an audit and accounting intern and has also earned a position as an audit and accounting associate. He also graduated from Elms College, with degrees in accounting and business management. He will begin his journey to an MBA at Elms this fall with a concentration in financial planning, followed by a graduate certificate in public accounting. His goal in pursuing a diversified graduate education is to position himself to offer a broad range of expertise to his clients as he progresses through his career. He is a member of the AICPA and MSCPA. “The culture of the firm grows and evolves with each new addition of talented young people such as Emily and Brian,” said MBK Partner Howard Cheney. “They bring vital energy to a staff that is on the precipice of evolution. As a partner, there is nothing more rewarding than seeing our next generation come into their own.”
•••••
At the recent 2016 Mid-Year Mortgage Conference, the Warren Group, publisher of Banker & Tradesman magazine, released its annual report on the top mortgage originators in Massachusetts. Beverly Orloski, Vice President and Mortgage Consultant at PeoplesBank, finished first among all Western Mass. loan originators in the report. She was also listed as the top loan originator in the market in 2015. “What makes Bev the number-one consultant in Western Massachusetts is her ability to get the customers comfortable with the process and work with the team in the background to make it all happen seamlessly,” said James Sherbo, PeoplesBank’s senior vice president, commercial lending. Orloski said the thing she likes most about her job is working with people. “You get a certain satisfaction because you take them all the way through the process, from the time they first sit with you through their closing. That can be typically 30 to 60 days, and you’re interacting with them the whole time.” Orloski has more than 30 years of financial and banking experience. She holds a bachelor’s degree from Elms College and is a graduate of the American Bankers Assoc. Residential and Commercial Lending School. She is a member of the Realtor Assoc. of Pioneer Valley.
•••••

Lee Dawn Daniel

Lee Dawn Daniel

Bacon Wilson announced that Attorney Lee Dawn Daniel has been selected to join the executive committee of the Massachusetts Academy of Trial Attorneys (MATA). She is currently serving her second term on MATA’s board of governors, having been appointed by MATA’s president for 2015-16, and then nominated and elected by former MATA officers to continue on the board of governors for another two-year term. “It is my privilege to continue my service to MATA by joining the executive committee,” Daniel said. “I am thrilled to be able to help promote the mission of this tremendous organization, which allows trial attorneys to gather together to share cutting-edge techniques, discuss the latest trends in the law, and improve skills so that we can continue to serve our clients and the justice system of the Commonwealth to the best of our abilities. It’s my honor to serve.” Daniel recently joined Bacon Wilson as of counsel. She is a litigator with more than 30 years of experience representing clients in matters of personal injury. She is a graduate of the Boston University School of Law and the State University of New York at Binghamton with honors, and has secured multiple million-dollar-plus settlements and verdicts throughout her career. She is based in Bacon Wilson’s Northampton location. MATA has operated since 1975, with its membership working to uphold and defend the Constitutions of the U.S. and the Commonwealth of Massachusetts, to assure that the right to trial by jury will be secure to all, to help people whose rights may be in jeopardy, to protect the independence of the judiciary, to promote public safety and welfare while protecting individual liberties, and to uphold the honor of the profession of law.
•••••

Tara Cruz

Tara Cruz

DiGrigoli Salon announced that Tara Cruz has been promoted from a junior stylist to a senior stylist. She graduated from DiGrigoli School of Cosmetology in October 2014 and joined the DiGrigoli Salon Artistic Team as a junior stylist immediately after obtaining her cosmetology license. DiGrigoli Salon, located at 1578 Riverdale St. in West Springfield, has been offering professional beauty services to the public since 1987, is the official styling team for on-air personalities at WWLP-22News and 94.7 WMAS, and is a sponsor of Link to Libraries.
•••••
Ning Jia has joined the faculty of Bay Path University, School of Science and Management, as Director of the MS in Applied Data Science program. Prior to accepting this position, she was a statistician at Affinion Group based in Stamford, Conn., and has also worked at the Hartford Financial Group and the Dana Farber Cancer Institute. She has also been an assistant professor at Virginia Tech and a teaching fellow at Harvard University. Jia received her bachelor’s degree in business from Fudan University, Shanghai, China, and a Ph.D. in pure mathematics from the University of Minnesota. Her specialties are in combinatorics, biostatistics, statistical modeling, and big-data analysis.
•••••

Timothy Cotz

Timothy Cotz

On Oct. 5, the Glenmeadow community bid farewell to Timothy Cotz, who has served as president and CEO for the past 23 years. This week, in advance of the celebration, Cotz learned that $16,000 has been raised in his honor by staff, residents, and community members for the Glenmeadow Staff Education Fund, which makes scholarship funds available for employees returning to school. In addition, the largest gathering room, formerly known as Great Hall, has been renamed Timothy V. Cotz Hall. Reflecting on his time at Glenmeadow, Cotz said much has changed in the industry since he began, noting that residents are coming to the life plan community later in life, they expect more in terms of quality, and they are healthier and more active. Cotz also noted that the nonprofit itself, known for its holistic mission and innovative programs and outreach to the wider community, has greatly expanded. Once offering services only to residents, the organization now provides services to people living across the Greater Springfield area. Through such innovations as Glenmeadow at Home, the Lifestyle Pass, and Glenmeadow Learning — all programs Cotz helped found — area residents have access to services from transportation and care management to education.
•••••

Sara Bonakdar

Sara Bonakdar

Sara Bonakdar has been hired as group sales manager for Pioneer Valley Hotel Group. Her primary focus is the La Quinta Inn & Suites in Springfield and Holiday Inn Express in Ludlow. She brings three years of hospitality experience to the position, having previously worked at Homewood Suites in Holyoke and Residence Inn in Manchester, Conn. “I am excited to take on a new challenge by stepping away from hotel operations and entering into direct sales,” Bonakdar said. “I feel I understand what it takes to offer a group a successful stay, and that’s what they will experience with us. Our properties offer guests an excellent value and great quality. That’s a winning combination and should make my job easy.” Connie Foster, director of Sales for Pioneer Valley Hotel Group, added that “Sara’s energy and enthusiasm makes her an excellent addition to our stellar sales team. So far, she’s shown an unending willingness to jump in and tackle new projects and revitalize some older accounts, and she’s only been in the job a month.” Pioneer Valley Hotel Group is a private, local, family-run company that owns and operates La Quinta Hotel in Springfield, Holiday Inn Express in Ludlow, Hampton Inn in Hadley, Comfort Inn in Hadley, and Hadley Farms Meeting House.
•••••
John McClellan, Vice President of Tighe & Bond, received the 2016 Past Presidents’ Award from the New England Water Works Assoc. (NEWWA), the region’s largest and oldest not-for-profit organization of water-works professionals. The Past Presidents’ Award is presented to members of the association who authored the second-most-meritorious paper that appeared in the Journal of the New England Water Works Association during the previous year. McClellan was presented with this award for his article, “Biological Iron and Manganese Treatment: Five Years of Operating Experience in Cavendish, VT,” published December 2015. McClellan is responsible for overseeing projects for Tighe & Bond’s water-supplier clients. He is an active volunteer with NEWWA, serving on the scholarship and filtration committees. He is a member of the American Water Works Assoc. (AWWA) and the American Society of Civil Engineers. He is a former member of the AWWA academic achievement awards committee. He earned his bachelor’s degree in civil engineering, his master’s degree in environmental engineering, and his Ph.D. from UMass Amherst. He is a registered professional engineer in Massachusetts, New Hampshire, and Connecticut.
•••••

Mark Batiste

Mark Batiste

Northstar Recycling announced the appointment of Mark Batiste to its new BDR (business development representative) team in East Longmeadow. His primary objective will be to secure qualified appointments for the sales team by identifying and reaching out to potential prospects throughout the U.S., Canada, and Mexico. Batiste holds a bachelor’ degree in marketing from Bentley University in Waltham, Mass.

He spent the majority of his professional career working in the pharmaceutical industry in New York City and the past several years in Western Mass. in new-business development for a national advertising agency.
•••••
Holyoke Mall recently welcomed Kyle Hopkins as Assistant General Manager. Hopkins previously worked as a financial analyst at Pyramid Management Group’s Corporate Office in Syracuse, N.Y. before joining the Holyoke Mall team. He also served as an intern with the Finance/Revenue Department at Pyramid Management Group before graduating from St. Joseph’s University in 2014 with a BSBA degree in finance. “We are fortunate to have Kyle join our team at Holyoke Mall to help with our continued growth and commitment to providing an enjoyable shopping experience to our customers” said Bill Rogalski, the mall’s general manager.

Chamber Corners Departments

AMHERST AREA
CHAMBER OF COMMERCE
www.amherstarea.com
(413) 253-0700

• Oct. 19: Chamber After 5, 5-7 p.m., at the Hitchcock Center, 845 West St., Amherst. Sponsored by Encharter Insurance and UMassFive College Federal Credit Union. Join the chamber and celebrate the new, 9,000-square-foot Hitchcock Center opening. This will be New England’s first public environmental education center to meet the Living Building Challenge. Cost: $10 for members, $15 for non-members. Register online at www.amherstarea.com.

• Oct. 27: Chamber Legislative Breakfast, 7:15-9 a.m., at the Lord Jeffery Inn, 30 Boltwood Ave., Amherst. Sponsored by Eversource. The annual legislative breakfast brings together legislators, local officials, and business leaders to network and discuss current and upcoming policy issues. Guest speakers: Senate President Stan Rosenberg, Lt. Gov. Karyn Polito, and state Reps. Ellen Story and John Scibak. Cost: $15 for members, $20 for non-members. Register online at www.amherstarea.com.

FRANKLIN COUNTY
CHAMBER OF COMMERCE
www.franklincc.org
(413) 773-5463

• Oct. 18: Free Legal Clinic, noon to 3:30 p.m., at the Franklin County Chamber of Commerce, 395 Main St., Greenfield – Masonic Hall Condominium Building. The Western Mass Regional office of the MSBDC announced that the law firms of WMassBizLaw have offered to hold a free legal clinic. Individuals, entrepreneurs, and small-business owners will have the opportunity to meet one-on-one for 30 minutes with attorney Sarah Willey to discuss general legal questions such as corporate structure, leases, contracts, insurance, employment, franchising, and various other business-related issues. Cost: free. Register online at www.franklincc.org.

• Oct. 28: October Chamber Breakfast with Francois Nivaud, 7:30-9 a.m., at the Greenfield Community College Dining Commons, 1 College Dr., Greenfield. Nivaud was recently appointed executive director of the Mass. Office of Travel & Tourism. He has spent his career in the world of hospitality by operating hotels and consulting with groups and businesses in this field. He will share his plans for marketing Massachusetts to both domestic and international visitors, as well as new initiatives that his department will undertake. He is committed to partnerships and strengthening relationships with the 16 Regional Tourism Councils, as evidenced by his visits to all regions within weeks of his appointment. Cost: $13 for member, $16 for non-members. Register by Oct. 21 at www.franklincc.org or by calling (413) 773-5463.

• Nov. 18: November Chamber Breakfast with John B. Jurst, 7:30-9 a.m., at Greenfield Country Club, 171 Country Club Road, Greenfield. The speaker will be John Hurst, President of RAM, the Retailers Assoc. of Massachusetts. RAM is a trade association that represents some 3200 retail stores by advocating for them in this changing retail climate. RAM voices concerns about potential legislation, labor laws and rights, compensation, loss prevention, and other factors related to retailing, whether a megastore or the mom-and-pop shop downtown. What is the future of retailing? This discussion is a timely one just before holiday shopping begins. Cost: $13 for members, $16 for non-members Register by Nov. 11 at www.franklincc.org or by calling (413) 773-5463.

• Dec. 16: Annual Holiday Breakfast, 7:30-9 a.m., at Deerfield Academy, 7 Boyden Lane, Deerfield. A bountiful buffet will be presented by the Academy chefs. The program will be sponsored by the Recorder, and tributes will be offered to the recipient of its Citizen of the Year award. A selection committee pores over the many nominations that are received and makes the difficult choice just prior to the event. Awardees are recognized for their volunteer work in their community, as well as many acts of kindness during their lives. There are also gift bags for those attending. Register early at www.franklincc.org or by calling (413) 773-5463.

GREATER CHICOPEE
CHAMBER OF COMMERCE
www.chicopeechamber.org
(413) 594-2101

• Oct. 19: October Salute Breakfast, 7:15-9 a.m., at Summit View Banquet & Meeting House, 555 Northampton St., Holyoke. Cost: $23 for members, $28 for non-members. Register online at www.chicopeechamber.org.

• Oct. 26: Business After Hours, 5-7 p.m., at the Arbors at Chicopee, 929 Memorial Dr., Chicopee. Oktoberfest theme with band, food, and cash bar. Cost: $10 for members, $15 for non-members. Register online at www.chicopeechamber.org.

• Nov. 1: Multi-Chamber Business After Hours, 5-7 p.m., at Mill 180 Park, 180 Pleasant St., Easthampton. Cost: $10 members, $15 for non-members.

• Nov. 16: Salute Breakfast, 7:15-9 a.m., hosted by Collegian Court restaurant, 89 Park St., Chicopee. Cost: $23 for members, $28 for non-members.

GREATER EASTHAMPTON
CHAMBER OF COMMERCE
www.easthamptonchamber.org
(413) 527-9414

• Oct. 19: Medallion Speaker Forum Fall, noon to 1:30 p.m. Hosted by Innovative Business Systems, 161 Northampton St., Easthampton. State Rep. John Scibak joins the forum and gives his insight on how you can be most effective when you need to be. Cost includes boxed lunch from Riff’s Joint. Space is limited. For additional information, e-mail [email protected]. Cost: $20. Register online at www.easthamptonchamber.org or by calling the chamber at (413) 527-9414.

• Nov. 9: Hampshire County Business Bash, 5-7 p.m., at the Lord Jeffery Inn, Amherst. A tri-chamber business-expo networking event. Enjoy business building, networking, complementary appetizers, cash bar, and local brewery beer tasting. Cost: $10 for members, $15 for non-members. Register online at www.easthamptonchamber.org or by calling the chamber at (413) 527-9414.

• Nov. 10: Checkpoint Legislative Summit, 11 a.m.-2:30 p.m. Hosted by the Log Cabin, 500 Easthampton Road, Holyoke. The Chamber of Greater Easthampton joins in presenting a multi-chamber event with the Chicopee, Hadley, Holyoke, and Westfield chambers. Bring your questions or concerns to this open forum with area legislators, featuring keynote speaker Lt. Gov. Karen Polito. Cost: $45 for members registering before Oct. 31, $55 for non-members. After Oct. 31, all registration will be $55. For more information or to register, visit www.easthamptonchamber.org, or call (413) 527-9414.

GREATER NORTHAMPTON
CHAMBER OF COMMERCE
www.explorenorthampton.com
(413) 584-1900

• Oct. 28: 2016 New Member Orientation, 3-4 p.m., at the chamber offices, 99 Pleasant St., Northampton. This is the chance to tell us more about your business and how the chamber can best serve you. Meet other new members and learn how to make the most of your chamber membership. Cost: Free. RSVP to (413) 584-1900 or  [email protected].

GREATER WESTFIELD
CHAMBER OF COMMERCE
www.westfieldbiz.org
(413) 568-1618

• Nov. 7: Mayor’s Coffee Hour with Westfield Mayor Brian Sullivan, 8-9 a.m., at Netlogix, 48 Court St., Westfield. This event is free and open to the public. Call Pam at the chamber office at (413) 568-1618 to register.

• Nov. 9: After 5 Connection, 5-7 p.m., at the Holiday Inn Express located at 39 Southampton Road, Westfield. Sponsored by It’s PAWSible! Dog Training Center. Refreshments will be served. Bring your business cards and make connections. Cost: free for members, $10 cash for general admission. To register, call the chamber office at (413) 568-1618.

• Nov. 16: 56th annual Meeting and Awards Dinner, 5:30 p.m., at East Mountain Country Club, 1458 East Mountain Road, Westfield. Congratulations to 2016 award winners: Firtion Adams, 2016 Business of the Year; Westfield Technical Academy, 2016 Nonprofit Business of the Year; and George’s Jewelers. Inc., 2016 Lifetime Achievement Award. The event sponsor is Staples, and the registration table sponsor is the Gaudreau Group. Sponsorship opportunities are still available. Cost: $50 for chamber members, $60 for general admission. RSVP by Nov. 11 appreciated, but no refunds after that date.

PROFESSIONAL WOMEN’S CHAMBER
www.myonlinechamber.com
(413) 787-1555

• Nov. 3: PWC Expo Headline Luncheon, 11 a.m.-1 p.m., at the MassMutual Center, 1277 Main St., Springfield. Featuring Andrea Haslet-Davis, ballroom dancer, runner, and Boston Marathon bombing survivor. Cost: $40. Reservations may be made online at www.springfieldregionalchamber.com.

SOUTH HADLEY & GRANBY
CHAMBER OF COMMERCE
www.shgchamber.com
(413) 532-6451

• Oct. 19: Economic Forum Breakfast, 7:30-9 a.m., at Willits-Hallowell Conference Center at Mount Holyoke College. James Hartley, professor of Economics, will speak on the economy. A buffet breakfast will be provided. Cost: $22 members, $27 for non-members. E-mail [email protected] to RSVP.

• Nov. 3: Spotlight on South Hadley Businesses, 7-9 p.m., at South Hadley High School. After leaving BusinessWest’s Western Mass. Business Expo, have dinner, then go to Spotlight on South Hadley Businesses. Know Your Town and the South Hadley & Granby Chamber of Commerce are partnering to host a free program featuring your business. It’s like a chamber table-top or craft-fair event, but it’s free to businesses and the public. It’s free to have a table with your business information and promotion (posters, takeout menus, job applications, handouts, business cards, etc.). E-mail [email protected] to RSVP or to have questions answered about this opportunity.

SPRINGFIELD REGIONAL CHAMBER
www.myonlinechamber.com
(413) 787-1555

• Oct. 28: Springfield Regional Chamber Super 60, 11:30 a.m.-1:30 p.m., at Chez Josef, 176 Shoemaker Lane, Agawam. Celebrating the 60 fastest-growing, privately held companies in the region. Presented by Health New England and sponsored by Farmington Bank. Presented in partnership with the East of the River Five Town Chamber of Commerce. Cost: $50 for members, $70 for non-members. RSVP deadline: Oct. 19. Reservations may be made online at www.professionalwomenschamber.com.

• Nov. 3: Springfield Regional Chamber Expo Business@Breakfast, 7:15-9 a.m., at the MassMutual Center, 1277 Main St., Springfield. Featuring Laura Masulis, MassDevelopment fellow, speaking on “The Rise of Innovation.” Cost: $30 for members in advance, $30 for general admission, and $35 for walk-in admission. Reservations may be made online at www.springfieldregionalchamber.com.

• Nov. 9: Springfield Regional Chamber Lunch ‘n’ Learn, 11:30 a.m.-1:30 p.m., at the Colony Club, 1500 Main St., Springfield. “The New Overtime Law and the Pay Equity Law — Their Impact to You” will be presented by John Gannon, attorney with Skoler Abbott & Presser, P.C. Cost: $25 for members, $35 for general admission. Reservations may be made online at www.springfieldregionalchamber.com.

• Nov. 15: Springfield Regional Chamber Speed Networking, 7:15-9 a.m. Location to be determined. Cost: $20 for members in advance ($25 at the door), $30 for general admission. Reservations may be made online at www.springfieldregionalchamber.com.

• Nov. 17: Springfield Regional Chamber Government Reception, 5-7 p.m., at the Carriage House, Storrowton Tavern, 1305 Memorial Ave., West Springfield. An evening of informal conversation with local and state leaders. Cost: $50 for members in advance, $70 for general admission. Reservations may be made online at www.springfieldregionalchamber.com.

WEST OF THE RIVER CHAMBER OF COMMERCE
www.ourwrc.com
(413) 426-3880

• Oct. 18: Multi-Chamber Lunch & Learn, noon-2 p.m., at the Storrowton Tavern/Carriage House, West Springfield. Enjoy a buffet lunch while networking with fellow business people. John Regan, AIM’s executive vice president for Government Affairs, will discuss the matters that passed on Beacon Hill, those that didn’t, and what may be in store for the next legislative session that begins in January 2017. Cost: $35. For more information, contact the chamber office at (413) 426-3880, or e-mail [email protected].

• Oct. 26: Food Fest West, 5:30-8 p.m., at Crestview Country Club, Agawam. The event will feature the foods of area restaurants including Chez Josef, Crestview Country Club, Partner’s, and many more. Proceeds raised by Food Fest West will go toward the Partnership for Education and the WRC Educational Fund, which provides grants to businesses for on-the-job training and continuing-education needs. Cost: $25 in advance, $35 at the door. Tickets may be purchased at www.westoftheriverchamber.com.

• Nov. 1: Coffee with Mayor Cohen, 8-9:30 a.m., at the Agawam Senior Center Coffee Shop, 954 Main St., Agawam. Join us for a cup of coffee and a town update from Mayor Richard Cohen. Questions and answers will immediately follow. For more information, contact the chamber office at (413) 426-3880, or e-mail [email protected].

• Nov. 15: Coffee with Mayor Reichelt, 8-9:30 a.m., at the West Springfield Public Library Community Room, Park Street, West Springfield. Join us for a cup of coffee and a town update from Mayor Will Reichelt. Questions and answers will immediately follow. For more information, contact the chamber office at (413) 426-3880, or e-mail [email protected].

Daily News

SPRINGFIELD — The Berkshire Film and Media Collaborative will present the third annual Western MA Film and Media Exchange on Wednesday, Oct. 19 at the Sheraton Springfield Monarch Place Hotel. This year’s exchange, titled “How To Tell Your Story Using Video,” is a one-day conference dedicated to helping nonprofits and small businesses de-mystify the video-production process.

“In today’s world, effective videos are key to a company’s ability to tell their story in their digital marketing, branding, and social-media campaigns,” said Diane Pearlman, executive director of the Berkshire Film and Media Collaborative. “Workshops at the exchange will cover a variety of topics, including an explanation of the video-production process, how to write a creative brief (i.e. what’s the message of your video), how to make a video to fit your budget, and how to effectively send your video message into the world.”

Workshops will be led by area filmmakers and video professionals who will share their expertise and answer specific questions from attendees. Local filmmakers will have the opportunity to display their reels and make potential business connections. Attendees will leave with an expanded knowledge of video production as well as access to area resources that can help them create their own videos.

The keynote speaker at this year’s exchange is Michael Hoffman, CEO of See3 Communications, a digital marketing agency for nonprofits based in Chicago. He is a leading authority on online video for nonprofits and a long-time consultant to nonprofit leaders on digital fund-raising, advocacy, and community-engagement strategies. Hoffman founded See3 to bring together his belief in the power of the web and his passion and experience with nonprofit fundraising, advocacy, and education.

Pearlman and Jonathan Barkan, executive producer/director and founder of Communications for Learning, a full-service communications firm in Arlington, Mass., will present a morning session, “Video Production: An Overview.” The workshop will explain all aspects of production (pre-production through post-production) as well as discuss legal issues, insurance, and local resources.

Darcy Fortune and James Garvey of Garvey Communication Associates in Springfield will present a workshop on “Innovative Video Best Practices for Social-media Marketing and Digital Branding.” They will talk about the best way to utilize video in today’s digital marketplace.

A panel featuring local professionals working in the industry will focus on local resources for making videos. Panelists include Tony Dunne, executive director of WGBY’s Connecting Point, P. Al Williams, executive director of Northampton Community Television, and Chris Landry of Landry Communications. The panel will be moderated by Patrick Berry, president of Westfield News Group.

The exchange includes breakfast and lunch, and will culminate with a networking cocktail party.

Tickets are on sale through Eventbrite at this link. Group and student rates are available. For information on programs, tickets, and more, visit www.berkshirefilm.org or call (413) 528-4223.

Sponsors to date include Baystate Health, Massachusetts Cultural Council, the Economic Development Council of Western MA, MassLive, WGBY Public Television for Western New England, New England Public Radio, Westfield News Group, Vitec Videocom, PeoplesBank, Springfield Business Improvement District, Mark G. Auerbach Public Relations, Maureen Sullivan Media Group, Imagine magazine, and Jx2 Productions.

Daily News

SPRINGFIELD — The Springfield Regional Chamber announced the honorees for its annual Super 60 award, presented by Health New England and sponsored by Farmington Bank. Now in its 27th year, the program celebrates the success of the fastest-growing privately-owned businesses in the region which continue to make significant contributions to the strength of the regional economy.

The Super 60 celebration event honoring this year’s class will be held Friday, Oct. 28 from 11:30 a.m. to 1:30 p.m. at Chez Josef, presented by Health New England; sponsored by Farmington Bank, Zasco Productions and WWLP-TV 22; with reception sponsors the Republican and the Regional Employment Board of Hampden County, gold sponsor Berkshire Bank, and in partnership with the East of the River Five Town Chamber of Commerce (ERC5). Tree House Brewing Co. co-Founder Dean Rohan will keynote the event and discuss the success of the artisan brewery.

Reservations are required for the event; the cost is $50 for Springfield Regional Chamber and ERC5 members, $70 for general admission. Reservations for tables of eight or 10 are available. The deadline for reservations is Wednesday, Oct. 19. No cancellations are accepted after that date, and no walk-ins will be accepted. Reservations must be made in writing, online at www.springfieldregionalchamber.com or by e-mail to [email protected].

To be considered, a company must be based in Hampden or Hampshire counties or be a member of the Springfield Regional Chamber, have revenues of at least $1 million in the last fiscal year, be an independent and privately owned company, and be in business at least three full years. Companies are selected based on their percentage of revenue growth over a full three-year period or total revenues for the latest fiscal year.

This year’s winners hail from 17 communities across the region and represent all sectors of the economy, including nonprofit, transportation, energy, healthcare, technology, manufacturing, retail, and service.

“Small business is the backbone of our region and our continued growth engine, and the success of this year’s winners is a clear indication that our regional economy is strong,” said Springfield Regional Chamber President Nancy Creed. “What is interesting to see this year is the emergence of the digital world. Two of our honorees, 3BL Media and LavishlyHip — which also took the top spot in Revenue Growth — have a strong presence in the online community and do business primarily on the web versus brick and mortar. I think this might be first year we’ve had such honorees.”

This year’s top honoree in Total Revenue is Amherst-based Stavros Center for Independent Living, one of the oldest independent-living centers in the country. The organization came in at number two in Total Revenue in 2014.

Creed noted that one-third of the Total Revenue winners exceeded $45 million in revenues, with all the winners combining for more than $1.3 billion in revenues. In the Revenue Growth category, she said all winners had growth in excess of 25%, while one-third had growth in excess of 60%.

Three companies in the Total Revenue category also qualified for the Revenue Growth category, while nine companies in the Revenue Growth category also qualified for the Total Revenue category. These companies are indicated by asterisks below. The top three in each category are ranked as such, with the rest following alphabetically.

The 2016 winners in Total Revenue are: 1. Stavros Center for Independent Living Inc.; 2. Springfield College; 3. Whalley Computer Associates Inc.; Baltazar Contractors Inc.; Behavioral Health Network; Braman Chemical Enterprises Inc.; City Tire Company Inc.; Collaborative for Educational Services; Commercial Distributing Co. Inc.; Community Enterprises Inc.*; the Dennis Group; Filli, LLC d/b/a ConTest Analytical Laboratory; Grand Prix International; HAPHousing (HAP, Inc.)*; Holyoke Chicopee Springfield Head Start Inc.; Human Resources Unlimited Inc.; Kittredge Equipment Co. Inc.*; Lancer Transportation & Logistics and Sulco Warehousing & Logistics; Marcotte Ford Sales Inc.; Multicultural Community Services of the Pioneer Valley Inc.; Northeast Treaters Inc.; P.C. Enterprises Inc. d/b/a Entre Computer; Pathlight Inc.; Sarat Ford-Lincoln; Specialty Bolt & Screw Inc.; Tighe & Bond Inc.; Troy Industries Inc.; United Personnel Services Inc.; Valley Opportunity Council Inc.; WestMass ElderCare Inc.

The 2016 winners in Revenue Growth are: 1. Lavishlyhip, LLC; 2. City Enterprises Inc.*; 3. 3BL Media, LLC; Aegenco Inc.; Aegis Energy Services Inc.*; Bart Truck Equipment, LLC; Baystate Crushing; Charter Oak Insurance & Financial Services*; Courier Express Inc.; Detector Technology Inc.*; Environmental Compliance Services Inc.; Fletcher Sewer & Drain Inc.; Fun Dining Inc. d/b/a Center Square Grill; Gandara Mental Health Center Inc.*; GMH Fence Co. Inc.; Knight Machine Tool Co. Inc.; M. Jags Inc.; Maybury Associates Inc.*; Michael’s Party Rentals Inc.; MicroTek Inc.*; O’Connell Care at Home; Orthotics & Prosthetics Laboratories Inc.; Paragus Strategic IT Inc.; Powervestors II, LLC; Rediker Software Inc.*; Rodrigues Inc.; Tech Roofing Service Inc.; Universal Plastics Corp.*; Webber & Grinnell Insurance Agency Inc.; Yankee Home Improvement.

Departments People on the Move
Matthew Gilmore

Matthew Gilmore

Epstein Financial Services recently welcomed Matthew Gilmore to the firm as a Retirement Plan Consultant. The firm has grown substantially over the past several years with a recent upsurge in new clients due to the Department of Labor’s new fiduciary ruling. Over the coming months, Gilmore will work closely with founder Charlie Epstein to ensure the firm’s extensive services and mission statement are reflected in Gilmore’s continued growth within the firm. Gilmore gained extensive experience as a MassMutual business development consultant, meeting with business owners, plan administrators, advisors, and third-party administrators to review, evaluate, and discuss a business’ 401(k) retirement plan and/or defined-benefit pension-plan options. He is an accomplished retirement-services consultant with eight years of experience with MassMutual and the Hartford, with regard to 401(k) and 403(b) retirement plans, investment and cost analysis, and participant education. He recently obtained his Accredited Investment Fiduciary certification and is a graduate of Western New England University with a bachelors degree in business administration.

•••••

The Gaudreau Group Insurance and Financial Services Agency announced the promotion of Melissa Cuzzone to Director of Employer Benefit Services. In her new role, Cuzzone will help keep clients compliant in today’s increasingly complex regulatory environment, in line with the firm’s focused approach on compliance with the Affordable Care Act’s regulations. The Gaudreau Group’s Employee Benefits division, which has the largest staff in the region, delivers results to clients with robust compliance programs and high-tech employer and employee software solutions to facilitate cost reduction, claims management, and employee wellness and communication. “The unique skillset Melissa brings to the table, in combination with the tools and services that she provides, such as ACA reporting guidance, benefit administration, and proprietary claims analytics, are extremely valuable to our clients,” said Jules Gaudreau, president of the Gaudreau Group. “Melissa helps our clients enhance their overall benefits programs, which results in an increased ability to attract and retain great employees. Results like these are the reason more and more businesses are trusting us with their accounts.” Cuzzone has been a member of the Gaudreau Group team since 2012, and has worked in the insurance and financial-services industry since 2004, gaining a broad range of experience, including employee benefit plans, life insurance, and personal insurance. She is a recent graduate of the Western New England University Mini-Law School and has co-chaired the Wilbraham Relay For Life.

•••••

The Dowd Insurance Agencies announced that Jack Dowd will be joining the agency as an Account Executive. His addition represents the fifth generation of family to be employed at the Dowd Insurance Agencies. “It’s a real sense of pride that I feel welcoming my son, Jack, to the family business representing the fifth generation here at the Dowd Insurance Agencies,” said John Dowd Jr., president and CEO of the Dowd Insurance Agencies. “Not only is Jack continuing a legacy, but he has also spent several years working in the industry outside of the family business, gaining valuable skills and experience. I think he is a great fit for our company and will be happy in his new position. We’re all very excited to have him join our team.” Jack Dowd graduated from Saint Michael’s College with a bachelor’s degree in business administration in 2011. He has held several positions with Goji Insurance in Boston, where he sold personal auto insurance and homeowner’s insurance. He was consistently ranked number one in sales throughout the entire company of over 120 salespeople, and was responsible for managing and training several sales teams. He is a licensed property and casualty insurance producer, has participated in the Quincy Mutual Group Commercial and Personal Underwriting Program, and is working to complete the Certified Insurance Counselors Program.

•••••

Jean Deliso, CFP has been named a member of the 2016 Chairman’s Council of New York Life. Members of the elite Chairman’s Council rank in the top 3% of New York Life’s sales force of more than 12,000 licensed agents in sales achievement. Deliso has accomplished this level of achievement for five consecutive years. Deliso’s passion for finance and strategic planning led to the creation of Deliso Financial and Insurance Services in 2000. She began her career in corporate accounting in Tampa, Fla., where she consulted with small-business owners on financial operations and maximizing performance. She has been a New York Life agent since 1995 and is associated with New York Life’s Connecticut Valley General Office in Windsor, Conn. Deliso serves on many boards in her community, including the Baystate Health Foundation and Pioneer Valley Refrigerated Warehouse, and is chairman of the board of the Community Music School of Springfield. She is past chairman of the board of the YMCA of Greater Springfield, past board member of AAA Pioneer Valley, and past trustee of the Community Foundation of Western Massachusetts and the Advisory Council at Bay Path University. Deliso Financial and Insurance Services is not owned or operated by New York Life Insurance Co. or any of its affiliates.

•••••

Sports Traveland Tours recently hired two new team members. Len Lucien serves as Chief Operating Officer and a minority partner at the 20-year-old travel organization, and Anthony Incampo serves as Project Sales Coordinator. Lucien previously worked at Square One in Springfield, where he served as vice president of operations for the nonprofit and, previously, as its vice president of finance. He holds a bachelor’s degree in business from Salem State University and an associate’s degree from Newbury College in accounting and business. Throughout his career, he has worked in various aspects of finance and operations, managing businesses of different sizes, with an expertise in startups and efficiencies. For 12 years, he worked in the transit industry. After graduating with a bachelor’s degree in journalism from Long Island University, Incampo worked with the 1996 Summer Olympics in Atlanta, coordinating events, offering customer service, working with athletes, and planning the opening ceremonies. He also worked in the front office of the New York Yankees from 1998 to 2002, doing everything from driving players to physician appointments to handling budgets and expenses for the team. He previously worked with Sports Travel and Tours from 2005 to 2010. He left to teach school-age children and to coach, but missed the traveling.

Chamber Corners Departments

AMHERST AREA CHAMBER OF COMMERCE

www.amherstarea.com
(413) 253-0700

• Oct. 19: Chamber After 5, 5-7 p.m., at the Hitchcock Center, 845 West St., Amherst. Sponsored by Encharter Insurance and UMassFive College Federal Credit Union. Join the chamber and celebrate the new, 9,000-square-foot Hitchcock Center opening. This will be New England’s first public environmental education center to meet the Living Building Challenge. Cost: $10 for members, $15 for non-members. Register online at www.amherstarea.com.

• Oct. 27: Chamber Legislative Breakfast, 7:15-9 a.m., at the Lord Jeffery Inn, 30 Boltwood Ave., Amherst. Sponsored by Eversource. The annual legislative breakfast brings together legislators, local officials, and business leaders to network and discuss current and upcoming policy issues. Guest speakers: Senate President Stan Rosenberg, Lt. Gov. Karyn Polito, and state Reps. Ellen Story and John Scibak. Cost: $15 for members, $20 for non-members. Register online at www.amherstarea.com.

FRANKLIN COUNTY CHAMBER OF COMMERCE

www.franklincc.org
(413) 773-5463

• Oct. 6: Business Basics Workshop, 9-11 a.m., at the Franklin County Chamber of Commerce, 395 Main St., Greenfield – Masonic Hall Condominium Building. This free workshop, presented by Allen Kronick, senior business advisor, Massachusetts Small Business Development Center Network Western Regional Office, will focus on business fundamentals, from startup considerations to business-plan development and funding sources. It is designed for owners of existing businesses as well as those who are planning to start one. Cost: free. Register online at www.franklincc.org.

• Oct. 7: “Grow Your Business with E-mail & Social Media,” 9:30 a.m. to noon, at the Greenfield Community College Downtown Center, 270 Main St., Greenfield. Join Liz Provo, authorized local expert for Constant Contact, as she helps you learn how to create a marketing strategy that combines e-mail and social media for maximum results. Cost: $5. Register online at www.franklincc.org.

• Oct. 18: Free Legal Clinic, noon to 3:30 p.m., at the Franklin County Chamber of Commerce, 395 Main St., Greenfield – Masonic Hall Condominium Building. The Western Mass Regional office of the MSBDC announced that the law firms of WMassBizLaw have offered to hold a free legal clinic. Individuals, entrepreneurs, and small-business owners will have the opportunity to meet one-on-one for 30 minutes with attorney Sarah Willey to discuss general legal questions such as corporate structure, leases, contracts, insurance, employment, franchising, and various other business-related issues. Cost: free. Register online at www.franklincc.org.

GREATER CHICOPEE CHAMBER OF COMMERCE

www.chicopeechamber.org
(413) 594-2101

• Oct. 4: Table Top Expo & Business Networking Event, 4:30-7 p.m., at the Castle of Knights, 1599 Memorial Dr., Chicopee. Hosted by the Greater Chicopee, Greater Holyoke, Greater Westfield, and Springfield Regional Chambers of Commerce. With approximately 120 businesses represented and 400 visitors, the Table Top Expo and Business Networking Event is an excellent marketing tool for area businesses. Cost: $125 for an exhibitor table (includes two tickets), $5 for pre-registered admission. Register online at www.chicopeechamber.org.

• Oct. 14: Auction/Wine & Beer Tasting, 6-9 p.m., at Hadley Farms Meeting House, 41 Russell St., Hadley. Country chic theme with entertainment by Sarah the Fiddler. Cost: $40, or $35 each for two or more. Register online at www.chicopeechamber.org.

• Oct. 19: October Salute Breakfast, 7:15-9 a.m., at Summit View Banquet & Meeting House, 555 Northampton St., Holyoke. Cost: $23 for members, $28 for non-members. Register online at www.chicopeechamber.org.

• Oct. 26: Business After Hours, 5-7 p.m., at the Arbors at Chicopee, 929 Memorial Dr., Chicopee. Oktoberfest theme with band, food, and cash bar. Cost: $10 for members, $15 for non-members. Register online at www.chicopeechamber.org.

GREATER EASTHAMPTON CHAMBER OF COMMERCE

www.easthamptonchamber.org
(413) 527-9414

• Oct. 13: Networking by Night, 5-7 p.m., at Fort Hill Brewery. Sponsored by Advanced Restoration Group. An evening of connecting and business building. Cost: $10 for members, $15 for non-members. Register online at www.easthamptonchamber.org, or by calling the Chamber of Greater Easthampton at (413) 527-9414.

• Oct. 19: Medallion Speaker Forum Fall, noon to 1:30 p.m. Hosted by Innovative Business Systems, 161 Northampton St., Easthampton. State Rep. John Scibak joins the forum and gives his insight on how you can be most effective when you need to be. Cost includes boxed lunch from Riff’s Joint. Space is limited. For additional information, e-mail [email protected]. Cost: $20. Register online at www.easthamptonchamber.org or by calling the chamber at (413) 527-9414.

• Nov. 9: Hampshire County Business Bash, 5-7 p.m., at the Lord Jeffery Inn, Amherst. A tri-chamber business-expo networking event. Enjoy business building, networking, complementary appetizers, cash bar, and local brewery beer tasting. Cost: $10 for members, $15 for non-members. Register online at www.easthamptonchamber.org or by calling the chamber at (413) 527-9414.

GREATER HOLYOKE CHAMBER OF COMMERCE

www.holyokechamber.com
(413) 534-3376

• Oct. 12: Chamber Business Development / Salute Breakfast, 7:30-9 a.m., hosted by Slainte, 80 Jarvis Ave., Holyoke. Sponsored by PeoplesBank, Holyoke Gas & Electric, and Northeast IT Systems Inc. Join emcees Steven Grande of the Holyoke Mayor’s Industrial Development Association Committee and Dawn Creighton of Associated Industries of Massachusetts as they present area staffing agents and job trainers to discuss means of future workforce education and job readiness. Speakers include David Gadaire of CareerPoint, Tricia Canavan of United Personnel, and Kevin Smith of U.S. Tsubaki. Salutes include Expert Staffing, the Neari School, Skoller, Abbott & Presser, GBS Brows, the 99 Restaurant, the Jamrog Group, Applebee’s, Arte Sana, and KnoxworkX Multimedia. Tickets include a buffet breakfast. Cost: $25 for members with advance reservations and $30 for non-member guests and walk-ins.  Reservations may be made online at holyokechamber.com.

• Oct. 19: Chamber After Hours, 5-7 p.m. Hosted and sponsored by Westfield Bank, 1642 Northampton St., Holyoke. The Greater Holyoke Chamber of Commerce invites you to an evening of casual networking. Cost: $10 for members, $15 for non-members. Register online at www.holyokechamber.com.

•  Oct. 21: Leadership Holyoke, 8 a.m. to 4:30 p.m., presented by the Greater Holyoke Chamber of Commerce, PeoplesBank, and Holyoke Community College. Meet at PeoplesBank corporate offices, 330 Whitney Ave., Holyoke. A leadership series with HCC faculty members participating as instructors and facilitators. Community leaders will participate as speakers.

• Oct. 26: Holyoke Chamber Business Person of the Year/Volunteer of the Year Award Dinner, 6-8 p.m., hosted by Delaney House, 3 Country Club Road, Holyoke. A celebratory dinner honoring the 2016 Business Person of the Year and the Henry A. Fifield Volunteer of the Year. Networking and cocktails at 6 p.m. with full-course dinner and awards to follow. Cost: $60. Register online at holyokechamber.com or call the chamber at (413) 534-3376

GREATER NORTHAMPTON CHAMBER OF COMMERCE

www.explorenorthampton.com
(413) 584-1900

• Oct. 5: Arrive @ 5, 5-7 p.m., sponsored by Innovative Business Systems Inc., Pioneer Training, and Florence Bank. This the networking event you don’t want to miss. More than 300 attendees are expected, with food donated by our member restaurants and cold brews donated by the Northampton Brewery. Call chamber for location. Cost: $10 for members. To register, visit www.explorenorthampton.com, call (413) 584-1900, or e-mail [email protected].

• Oct. 28: 2016 New Member Orientation, 3-4 p.m., at the chamber offices, 99 Pleasant St., Northampton. This is the chance to tell us more about your business and how the chamber can best serve you. Meet other new members and learn how to make the most of your chamber membership. Cost: Free. RSVP to (413) 584-1900 or  [email protected].

GREATER WESTFIELD CHAMBER OF COMMERCE

www.westfieldbiz.org
(413) 568-1618

• Oct. 3: Mayor’s Coffee Hour, 8-9 a.m., at the American Inn, One Sawmill Park, Westfield. Join us for our monthly Mayor’s Coffee Hour with Westfield Mayor Brian Sullivan. This event is free and open to the public. Call Pam at the chamber office at (413) 568-1618 to register for this event so we may give our host a head count.

• Oct. 12: Oktoberfest After 5 Connection, 5-7 p.m., at East Mountain Country Club, 1458 East Mountain Road, Westfield. Bring your business cards for our annual speed connecting. Refreshments will be served. Cost: $10 for members, $15 cash for non-members. To register, call (413) 568-1618. As this event gets closer, an online registration will be made available.

SOUTH HADLEY & GRANBY CHAMBER OF COMMERCE

www.shgchamber.com
(413) 532-6451

• Oct. 19: James E. Hartley, PhD, professor of Economics at Mount Holyoke College, speaks at 7:30 a.m., at the Willits-Hallowell Conference Center at Mount Holyoke. Hartley will speak on the economy. A buffet breakfast will be provided. Cost: $22 for members, $27 for non-members. E-mail [email protected] to RSVP.

WEST OF THE RIVER CHAMBER OF COMMERCE

www.ourwrc.com
413-426-3880

• Oct. 5: Wicked Wednesday, 5:30-7:30 p.m., at Cyber Exchange, West Springfield. Wicked Wednesdays are monthly social events, hosted by various businesses and restaurants, that bring members and non-members together to network in a laid-back atmosphere. For more information about this event, call the chamber office at (413) 426-3880, or register at www.westoftheriverchamber.com.

• Oct. 26: Food Fest West, 5:30-8 p.m., at Crestview Country Club, Agawam. The event will feature the foods of area restaurants including Chez Josef, Crestview Country Club, Partner’s, and many more. Proceeds raised by Food Fest West will go toward the Partnership for Education and the WRC Educational Fund, which provides grants to businesses for on-the-job training and continuing-education needs. Cost: $25 in advance, $35 at the door. Tickets may be purchased at www.westoftheriverchamber.com.

Daily News

WILBRAHAM — The Gaudreau Group Insurance and Financial Services Agency of Wilbraham welcomes Tracy Goodman, personal risk specialist, to its personal insurance team. Using the agency’s access to dozens of carriers to ensure a customized experience for each client, Goodman designs personal risk-management plans for individuals and employer groups, helping protect what’s important to them. She specializes in coverages including life, home, auto, renters, and umbrella.

“Tracy takes pride in completing a thorough coverage analysis with each client, helping them to understand their coverage, feel financially comfortable, and know what to expect if they ever have a loss. She’s a valuable addition to our remarkable personal insurance team, and our clients will benefit from her unique skillset and perspective,” said Jules Gaudreau, president of the Gaudreau Group.

Goodman has been in the insurance industry since 2008, with prior experience in human resources and recruiting. She is co-chair of programs for the Women Business Owners Alliance, is a volunteer and mentor with Girls Inc., conducts community outreach for the Springfield JCC’s J-Art program, and is a member of the Professional Women’s Chamber. She is a graduate of the University of Delaware and completed a semester abroad at Ben-Gurion University of the Negev in Beersheba, Israel. She is continuing her insurance education in the prestigious Certified Insurance Counselor program.