David Bissaillon has been owner and president of Smith Bros.-McAndrews Insurance Agency since 2019.
SBM has been on Park Street for its entire existence. It moved to 69 Park St. in July 2024.
ADAMS, Mass. — One local insurance agency has stood the test of time to celebrate 130 years in business.
"Smith Bros.-McAndrews Insurance Agency has been operating here on Park Street in Adams, Massachusetts, literally, since 1896 and when I say operating on Park Street, I mean it," said owner and President David Bissaillon. "In fact, our current office here at 69 Park St. is our fourth office location, not only on Park Street, but on this side of Park Street. So we've literally been up and down the block for the last 130 years."
Bissaillon moved the agency into 69 Park St. in July 2024. The space formerly was the well-loved Red Carpet Restaurant.
SBM provides customers with a variety of insurance options so they can choose what best fits their needs by comparing coverages and rates.
"We're proud of where we are. What we do is we help families, individuals and businesses and organizations with their insurance," Bissaillon said. "We basically handle most of the insurances that people have to deal with when they either own a building, own a car, own a business."
The business started out at Smith Brothers in 1896. Brothers Fred and Peter Smith, who were of different political affiliations, both served as postmasters for the town.
In 1937, state Sen. James McAndrews started his own insurance agency. The two agencies decided to merge in 1962.
In 1990, Bernie Pinsonnault joined the agency and became the owner in 2007. Bissaillon is a certified insurance counselor with a total of 25 years of experience in the insurance industry. He took over when Pinsonnault retired after 29 years in the business.
Bissaillon formerly worked for Coakley Pierpan Dolan & Collins Insurance and was also head of the former Berkshire Chamber of Commerce.
"I ended up purchasing the agency in January of 2019 when Bernie Pinsonnault, my former partner and the most recent owner, decided to retire," he said. "So it's kind of a neat story that you had different ownership, not necessarily continued family ownership, through all these years, and yet the agency has remained."
SBM has continued as something of family business, as he's been joined by his son, Tyler.
Technology has advanced and evolved for insurance during Bissaillon's tenure. He said one of the longest staff members, Pat Dean, has experienced that firsthand.
"Pat's been here for over 50 years, like literally since she was out of high school in the early 1970s," he said. "Pat will tell you that when they used to have to get you a quote on your auto insurance or your home insurance, they literally had to go into a book and work out the rate manually.
"And everything was done so much differently back then, but it was still with the intent of providing people with the protection that they needed for their home or for their car or for their business."
He said they can now compare insurance policies in minutes and although artificial intelligence is playing a bigger role, he doesn't think it can take over what they do.
"The present and future with AI is playing an even bigger role in insurance, and sometimes it can be a little unnerving about, you know, how much is AI really going to take over some of these businesses?" Bissaillon said. "Although what's nice about insurance is that when it matters, like if you have a claim or if you have a billing problem or question or a prop or a challenge, we're still here as human beings in real in real time, where people come in to see us, or they want to talk to us, and .
"That's something that I don't know that AI will ever be able to replace."
He said he sees the agency staying same over the next 20 years while continuing to do what a local customer needs with the best staff.
"I think the thing that permeates through this office, through all those years and all those owners and up through the staff that we have today, is we've always tried to be a responsible, reliable business, trustworthy and honest, and to do the best that we can for customers," he said. "But I think the other thing is that we give back a lot to the community, and we give back gladly."
SBM has helped out locally in many ways, including local restaurants. When he bought the building, it came with almost all the kitchen equipment, which was donated. The agency supports and sponsor Little League, and Lions Clubs, and other causes.
"I've always been involved in many community events and organizations. Again, I used to have my connections with the Chamber of Commerce. I sit on the board of the Adams Theater right now, and that's a wonderful addition to the town of Adams. I sit on the Plunkett Memorial Hospital Trust Committee," Bissaillon said. "My son, Tyler, is on the Northern Berkshire United Way. And so there's always been various organizations and events and councils that we've given not only our money, but our time and and there's a great spirit in this office about wanting to help."
When asked if they have any future goals, he said they plan to continue to be an asset to the community.
"Bigger is not always better. Like better is better. So just as long as we continue to be a value to our customers, and we've got hundreds and hundreds of them, other opportunities could present themselves," he said. "They may not, but I don't look at is, I want to be the biggest in the town or in the county, that's not how I think about it.
"I just think about if we continue to grow for the right reasons, and maybe opportunity comes our way, and we can provide a good source of employment for the people who are here. That, to me, is very satisfying in its own sense."
Bissaillon said he wants to leave his clients — families, businesses and individuals — at least better protected than maybe they were.
"I think in the end, that's probably the legacy, and the foundation that we strive towards is just to make sure that when things go wrong, because they worked with us, that they're in a better position to get back to whole," he said.
He said the staff has made the business what it is and that they all care about their customers and what they do.
"The real strength of this agency is really in our people, at the end of the day, it's insurance and it's quotes and numbers and coverage," he said. "But what has made Smith Bros.-McAndrews sustain for 130 years is literally the fact that we have people, professionals who work here, who really care about what they do."
He thanked the community for its support and for allowing SBM to serve it for more than a century.
"On behalf of all of us here at Smith Bros.-McAndrews, as we get into our 130th year, we're thankful for every single one of the customers and clients that we've had through all of these years. And we would also welcome anyone who is looking to get another option or opinion on their auto or home or business insurance."
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Cheshire Debates Transfer Station Blue-Bag Abundance
By Breanna SteeleiBerkshires Staff
CHESHIRE, Mass. — The town is trying to remedy the transfer stations pay-as-you-throw model as the trash tonnage per permit is significantly higher than what it is supposed to be because of an abundance of blue bags last purchased in 2021.
Resident Mary Ellen Baker brought up at a prior meeting that she saw on Facebook that the transfer station will be requiring extra stickers for the 33-gallon blue bags starting July 1.
The town had switched from color-coded bags to stickers four or five years ago; one sticker was good for an 11-gallon bag and three trash tags for 33-gallon bags. But the blue bags were still being accepted as one trash tag.
"We paid for those blue bags in good faith, and it seems that those of us who do more composting, recycling, reusing are being penalized, because we don't bring as much down as those who used them up faster. So I really would like you to reconsider that," she said.
The board noted that it was not aware of the decision and brought it forth at their April 7 meeting.
At that meeting, Department of Public Works Director Corey McGrath gave the board comparable numbers from other towns based on their permits and tonnage reported in January from Casella Waste Management.
He said Adams has 500 permit holders and reported 13.12 tons of solid waste. Dalton has 600 permits and 22.8 tons, and Williamstown had 1,043 permits and reported 15 tons, noting it is a very strict pay-as-you-throw community.
He said Cheshire has 600 permits and reported 36.10 tons.
After compiling a list of permit holders, he found 39 percent of residents did not purchase tags with their permits because they had leftover tags from last year or blue bags. He was unsure how many blue bags there could be left over. The first three days of April, he counted how many blue bags were tossed.
"That's a total of 63 blue bags, which is also a total of 187 allowable 11-gallon trash bags. Right? You're allowed to put 33-gallon blue bag, that's three 11 [gallon] kitchen bags. So that's the allowable. So it's 187 kitchen bags on a blue bag that was included with a permit. So, our numbers are absolutely horrible, and we've adopted the pay-as-you-throw but we don't abide by it," he said.
Northern Berkshire Solid Waste Program Director Linda Cernik was able to give the history of the blue bags that stopped being sold in 2021.
"You started your pay-as-you-throw program in 1990, $80 per for the permit, 52 free bags, and it was still going on in 2006 so you've never stopped getting free bags. So you have multitudes of free bags out there," she said.
While the bags were not "free" they were discounted and residents have been getting bags for years, most recently through a package deal.
"It was cheaper if you bought it as a package. It was essentially a 50 percent discount. If you think about it, it's an incentive to buy it as a package. If you were a family, we would see it all the time. If you're a family that knew that you were going to go through more than 52 bags a year, or the equivalent bag tag amount, they would just buy it in one fell swoop and that was an additional $100," said Board of Health Chair Christopher Garner.
"So we would do the permit is $100, $150 for the permit and the year's worth of bags or tags. And if you needed more, you could buy them at that time or anytime in the future you could come down and spend another $100 and buy an additional year's worth of bags or now tags."
He also said since they never put an expiration date on the bags, they are just going to have to try and deal with that.
Some board members were shocked by the amount of blue bags still out in the community.
"I was always under the assumption that if you buy your sticker, you get 52 bags, one per week. That's what you're allowed. That's what we allow. How we've allowed it to get to this point is insane," said board member Raymond Killeen. "We haven't given out bags since 2021 and I understand there's a chance where you could have a few bags left over and carry them over, but we have gone so far where we still got the blue bags going on."
Cernik also finds it hard to believe there are that many blue bags out there, but that people need to be more educated on diverting their waste into the many different programs at the transfer station.
It's suggested some are abusing the blue bags and stuffing them as much as they can in them.
Baker said she is worried about being penalized because she does recycle, donate, and compost, using not that many blue bags.
"You're a very rare case. Mary Ellen, I had somebody say to me, I have yellow stickers. And when I have my kitchen bag, I put one sticker on it, I take it down. But if I have five or six of them, I throw them in a blue bag," said Town Administrator Jennifer Morse. "People are jamming those blue bags, and they're abusing the system. And unfortunately, not everyone is doing what you guys are doing."
Cernik said the station is losing grant money because of the program is not really a pay-as-you-throw anymore. Based on a point system the station gets when applying for grants, the transfer station only receives around $3,000, when it could have gotten around double.
It was also suggested some of the employees let people throw bags without a sticker on them.
"Obviously there's still certain people that work there that enforce things that others don't, and that's an internal issue. But you know, aside from that, and we obviously have to do a better job. So with a deficit of $61,000.15, 100 households, that's $41 per household," said board member Michelle Francesconi, noting Cernik said it will go up next year. "So even a household that doesn't have anything to do with the transfer station, which is 900 households, and 900 households are paying $41 per household for trash to be discarded that they don't have anything to do with."
The board members debated on how they should go about the change, whether to do an exchange program for the bags, have a set date where the bags are no longer allowed, and what costs they should set for permits, tags, and stickers.
It was repeatedly mentioned that people accurately reduce waste and increase recycling to save money.
"We have to get a handle on this, because in five years, I'm gonna be retired, but you guys are going to be paying, I don't even know … it's gonna be out of control. You won't be able to afford it," said Cernik. "I'm serious, it's $130 now we have a five- to three-year contract, and then you have to go up two years, and we'll renegotiate, and it's going to go up because the trucking, everything has to go to another state, because we don't have vehicles."
The board tabled the discussion to get more numbers on how much it waste disposal could cost and how much they should be pricing the permits, and how many tags must be on a 33-gallon bag as currently it is two (although the change in 2021 stated three).
The town is trying to remedy the transfer stations pay-as-you-throw model as the trash tonnage per permit is significantly higher than what it is supposed to be because of an abundance of blue bags last purchased in 2021. click for more
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The building is a total loss but firefighters were able to prevent the flames from reaching another nearby barn and the house at Stoney Brook Farm. click for more
The town is preparing to submit an application for Community Block Grant Funds following the designation of its blighted area on Route 8. click for more
The Board of Selectmen last week approved the closures of the street between Pleasant and Dean Streets from Wednesday through Saturday, April 1 to 4, to allow for the Crewdson's production company to set up for his complex and intricate shots. click for more