Blog - Stephen Benjamin Insurance Agency

Stephen Benjamin Insurance Agency Announces Retirement of President Steve LeClaire

Fri, 16 Aug 2024 13:25:00 GMT

Agency to Continue Under 4th Generation Family Leadership

After four decades of dedicated service, Stephen Benjamin Insurance Agency proudly announces the retirement of its principal, Steve LeClaire, and the continuation of the family-owned business into its fourth generation. With deep gratitude for his unwavering commitment and contributions, the agency bids farewell to a pillar of the community and a well-respected figure in the insurance industry.

Since its inception in 1939, Stephen Benjamin Insurance Agency has been synonymous with professionalism, integrity, and personalized service, largely due to the vision and guidance of Steve LeClaire. His steadfast commitment to serving the community and ensuring the best possible insurance solutions for clients has left an indelible mark on Sutton and beyond.

"It has been an incredible journey serving our clients and being a part of this wonderful community,” said Steve LeClaire. “I am immensely proud of what we have accomplished together and appreciate every one of our loyal clients. I’m particularly pleased that our level of service and commitment will now continue with my daughter at the helm."

As Steve LeClaire transitions into retirement, the agency is pleased to announce that the legacy of family stewardship will continue into a fourth generation. Lauren LeClaire, Steve's daughter, will assume the role of President, ensuring a seamless transition and upholding the agency's long-standing commitment to excellence.

"I am deeply honored and excited to carry forward the legacy established by my father and the generations before him," expressed Lauren LeClaire. "Stephen Benjamin Insurance Agency has been a part of our family for four generations, and I am committed to maintaining the same level of dedication and personalized service that our clients have come to expect."

As the agency looks towards the future, it remains steadfast in its commitment to serving the insurance needs of individuals, families, and businesses throughout Sutton, the Blackstone Valley and beyond.

Lauren is a graduate of Sutton High School and Northeastern University, where she majored in communication studies. In addition to her role at the agency, she serves on the Millbury Federal Credit Union Commercial Services board of directors. She resides in Sutton and in her spare time enjoys professional bicycle racing and horseback riding.

The retirement of Steve LeClaire marks the end of an era, but also heralds the beginning of an exciting new chapter for Stephen Benjamin Insurance Agency under the capable leadership of Lauren LeClaire. With a legacy built on family values, the agency is poised to continue its tradition of service and innovation for generations to come.

The kids are off to college, now what?

Mon, 12 Aug 2024 15:26:00 GMT

Preparing for College: Essential Insurance Considerations

As the summer draws to a close and the back-to-school season approaches, many families are gearing up to send their children off to college. While the excitement of starting a new chapter is palpable, it's also crucial to ensure that your student is properly protected. We’d like to highlight some key insurance considerations for families sending their kids off to college this fall.

1. Life Insurance

Life insurance isn’t usually first on the to-do list of sending your children off to college, but it can be a critical part of this milestone. Whether you currently have a life insurance policy or you need to purchase one, it’s important to make sure the policy will cover all of your current financial obligations, including any college expenses or student loans if you’re a co-signer. If you current policy does not cover the full cost of your child’s education, it may be time to review your policy and increase your coverage! It’s also a good opportunity to discuss financial planning with your children, including the purpose of life insurance. It’s an important life lesson as they transition into adulthood.

2. Renters Insurance: Protecting Personal Belongings

Dorms and off-campus housing are often filled with personal belongings—textbooks, electronics, and more. Renters insurance can protect these items in case of theft, fire, or damage. Many people assume that their homeowner’s insurance covers their child’s belongings away from home, but this isn’t always the case. Your policy may cover this, but it’s a good idea to review your policy or consider a separate renters insurance policy for your student’s residence.

Renters insurance is generally affordable and provides peace of mind. It also often includes liability coverage, which can be valuable in case of accidental damage or injury that might occur in the rental property.

3. Auto Insurance: Coverage for the College Student’s Vehicle

If your student is taking a car to college, you’ll need to review your auto insurance policy. Depending on where they’re attending school, there might be changes to their coverage or premiums. Some insurance companies offer discounts for students who maintain good grades, so be sure to inquire about any potential savings.

4. Identity Theft Protection: Guarding Against Financial Risk

College students are prime targets for identity theft due to their digital footprint and relative inexperience with financial matters. Identity theft protection services can help monitor and alert you to any suspicious activity, ensuring that any potential fraud can be addressed promptly. Some services even offer resolution assistance, helping to restore your student's financial standing in the event of identity theft.

As your child embarks on this exciting new chapter in their life, taking the time to review and update your insurance coverage can make all the difference. If you have any questions or need assistance reviewing or updating your insurance policies, feel free to reach out. Preparing for college is a big step, but with the right insurance coverage, you can help make it a smooth and successful transition for your student.

Contact Us Today

For personalized advice and to ensure your student’s insurance needs are fully met, don’t hesitate to get in touch. We’re here to help make this transition as seamless as possible. Enjoy the journey of sending your student off to college with confidence!

Join Our Team!

Mon, 22 Apr 2024 15:36:00 GMT

We’re hiring!

Stephen Benjamin Insurance Agency, a family-owned property and casualty insurance agency serving the community for 85 years, is seeking a dedicated and personable Part-Time Customer Service Representative to join our team. As a key member of our agency, you will play a vital role in providing exceptional service to our clients and supporting the day-to-day operations of our office.

Job Title: Part-Time Customer Service Representative

Company: Stephen Benjamin Insurance Agency

Location: Sutton, Massachusetts

Responsibilities:

Customer Service: Interact with clients in a friendly and professional manner, both in-person and over the phone, to address inquiries, resolve issues, and provide information on insurance products and services.

Policy Support: Assist clients with policy change requests, claims submissions, and billing inquiries.

Documentation: Maintain accurate client records and documentation in our agency management system. Ensure all client information is up-to-date and compliant with industry standards.

Administrative Support: Provide administrative assistance to agents and other team members, including processing incoming and outgoing mail, filing documents, and preparing correspondence.

Client Outreach: Conduct follow-up calls to clients for policy renewals, updates, and returning calls and email inquiries. Assist in scheduling appointments.

Qualifications:

Excellent interpersonal and communication skills with a customer-focused approach.

Previous experience in customer service or administrative support preferred.

Proficient computer skills, including knowledge of Microsoft Office (Word, Excel, Outlook).

Detail-oriented with strong organizational abilities.

Ability to multitask and work effectively in a fast-paced environment.

Willingness to learn and adapt to industry-specific software and processes.

Insurance industry experience or knowledge is a plus but not required.

Schedule and Compensation:

This is a part-time position offering flexible scheduled hours (approximately 20-25 hours per week) during regular business hours (Monday to Friday). Compensation will be commensurate with experience and qualifications.

Benefits:

Opportunity to work in a friendly, family-oriented environment.

Gain valuable experience in the insurance industry and customer service field.

Potential for growth and advancement within the agency.

Paid training and ongoing support from experienced professionals.

How to Apply:

If you are enthusiastic about providing exceptional customer service and contributing to the success of a reputable family-owned business, we encourage you to apply! Please submit your resume and a brief cover letter outlining your qualifications and interest in the position to info@benjaminagency.com.

Stephen Benjamin Insurance Agency values diversity and is an equal opportunity employer. We thank all applicants for their interest; however, only those selected for an interview will be contacted. We look forward to welcoming a dedicated team member who shares our commitment to serving the community with integrity and professionalism.

Navigating Foggy Conditions: Tips for Safe Driving

Fri, 23 Feb 2024 13:28:00 GMT

Here at SBIA, we understand the importance of safe driving practices, especially in challenging weather conditions like fog. Here are some valuable tips to help you stay safe on the roads when visibility is reduced:

By following these tips, you can reduce the risk of accidents and arrive at your destination safely, even when faced with foggy conditions. Remember, it's always better to prioritize safety over speed when driving in challenging weather. Safe travels!

Ready your Vehicle for Winter

Wed, 13 Dec 2023 20:20:00 GMT

With the arrival of winter, its time to remember the importance of winterizing your vehicle for the upcoming colder months.

As you know, winter weather presents numerous challenges on the road, like icy conditions and reduced visibility. Properly preparing your vehicle can help ensure your safety and minimize the risk of accidents or breakdowns.

Here are a few tips to help you to do just that:

• Fill up your tires. As the temperature drops outside, so does the tire inflation pressure. That’s why you should check your tire pressure more regularly in the winter months and ensure each tire is filled to the vehicle manufacturer’s recommendation (which you can find in your owner’s manual).

• Have your battery tested. Cold weather can strain your vehicle’s battery. In fact, when temperatures go below 32 degrees Fahrenheit, car batteries lose 35% of their strength. With that in mind, it’s crucial to have your battery tested before winter weather or temps hit to ensure it’s in good condition.

• Replace windshield wipers and washer fluid. Windshield wipers are essential to your safety if you happen to be caught in icy conditions. You may want to consider temporarily installing winter wipers, which can better handle ice or snow. At the minimum, however, replace any worn windshield wipers, and make sure your windshield washer fluid is at appropriate levels.

• Make an emergency kit for your car. It’s always good to have all the essentials in your vehicle in case of a breakdown or emergency. Supplies you may want to stock your car with include:

o Ice scraper

o Jumper cables

o Flashlight

o Blanket

o Cell phone charger

You can visit the United States Department of Transportation website for more winter weather driving tips. And if you have questions or concerns about your auto coverage or other insurance needs, don’t hesitate to reach out to our office!

Tornado Warnings in the Northeast

Tue, 08 Aug 2023 13:38:00 GMT

While tornados are less likely to occur in the Northeast, Massachusetts sees on average one or two touch down annually, so tornado warnings should be taken very seriously! They are crucial indicators of potential danger and demand immediate action to ensure the safety of individuals in their path. At Stephen Benjamin Insurance Agency, we understand the significance of tornado warnings and aim to provide our clients with the necessary information to protect themselves and their property.

Tornadoes, with their destructive power and unpredictable nature, can cause severe damage within a matter of minutes. To minimize the potential risks associated with these natural disasters, it is essential to be well-prepared and educated about tornado warnings. Here are a few key points to consider:

1. Understanding Tornado Warnings
Tornado warnings are issued when a tornado is either observed visually or detected by weather radar. These warnings are prioritized by meteorological agencies to alert individuals in the affected areas. It is important to have access to reliable sources of weather information, such as local news channels, weather apps, or NOAA Weather Radio, to stay informed about any tornado warnings in your vicinity.

2. Taking Immediate Action
Upon receiving a tornado warning, it is vital to take immediate action to ensure personal safety. The first step is to seek shelter in a sturdy, interior room on the lowest level of your home, such as a basement or a windowless bathroom. If you are outside or in a mobile home, it is crucial to find a nearby sturdy building to take shelter in. Remember to stay away from windows, as flying debris are a significant hazard during tornadoes.

3. Preparing an Emergency Kit
Preparing an emergency kit in advance can make a significant difference in the face of a tornado warning. Your kit should include essential supplies like non-perishable food, water, flashlights, batteries, a first aid kit, and a portable weather radio. It is also advisable to have a plan in place for your family, including a designated meeting point and a designated person to contact in case of separation.

4. Reviewing Insurance Coverage
Ensuring that you have appropriate insurance coverage is crucial to protect your property in the event of a tornado. Review your homeowner's insurance policy to understand the extent of your coverage and consider additional policies, such as flood insurance or windstorm coverage, if you reside in a tornado-prone region. At Stephen Benjamin Insurance Agency, we are committed to helping our clients navigate their insurance options to provide the necessary coverage to meet our clients needs.

For more tornado information and safety tips click here.

Leave the RMV headaches to us... We offer in-house RMV services!

Tue, 21 Mar 2023 17:30:00 GMT

Who has time to stand in line at the RMV? And even if you do have the time… who wants to? No one! Let us do the standing in line for you. For our Massachusetts auto clients, we offer several MA Registry of Motor Vehicles services. Contact us today and we’ll take care of everything from assisting with the paperwork to the waiting!

Many of our clients take advantage of “one-stop shopping” for their auto-related errands. And while we cannot handle all transactions associated with the RMV - such as driver’s license transactions, we can process most of your vehicle or license plate needs.

Our registry runner service will save you plenty of time and headache. Plus, we’ll make sure you have all the necessary paperwork in order before it goes to minimize failed transactions.

For more information on our Mass registry services, please contact our office!

What is umbrella insurance and do I need it?

Fri, 10 Feb 2023 18:19:00 GMT

Umbrella insurance works very much like an umbrella you would use to keep the rain away. It extends the protection your home or auto affords. A personal umbrella policy provides liability insurance over and above your primary insurance policy limits, such as homeowners and auto. It’s used when you are found liable for a claim that exceeds the limits of your underlying policies.

Let’s tackle a few questions about umbrella insurance coverage to clear up some common misconceptions.

What does umbrella insurance cover?

What are some examples of when you may need an umbrella policy?

So do I really need umbrella insurance?

As a general rule, you should purchase umbrella insurance if the total value of your assets, including ordinary checking and savings accounts, retirement and college savings and investment accounts, and home equity is greater than the limits of your auto or homeowner's liability. The idea behind this advice is that you want to have enough liability insurance to fully cover your assets so you can’t lose them in a lawsuit.

A second piece to consider is “Am I at risk of being sued?” and the answer here is that while yes, everyone is, especially in the lawsuit happy world we live in, however some may be more at risk than others. If you own property and rent it out, if you employ household staff, have a trampoline or a hot tub, or swimming pool, if you often host large parties, have teenage drivers, or if you are a well known public figure, all of these types of activities can put you more at risk.

Ok, so what is it going to cost me?

Compared to other types of insurance, umbrella coverage is quite affordable. As far as the “Bang for your buck” factor goes - umbrellas are tough to beat! The Insurance Information Institute says most $1 million policies cost $150 to $300 per year. You can expect to pay about $75 more per year for $2 million in coverage, and another $50 per year for every extra $1 million in coverage beyond that. Most insurance companies’ umbrella liability policies start at $1 million in coverage, with higher limits available.

Why is umbrella insurance so cheap? It’s partly because you have to carry plenty of homeowner's and auto insurance before an insurance company will issue you an umbrella policy. You’ll need to carry certain liability coverage available under your homeowner's and auto policies before you can purchase an umbrella policy.

What doesn’t an umbrella policy cover?

If you have questions about your liability coverage and whether or not you need umbrella insurance, please contact our office. We’d be happy to review your current policies and situation to help you weigh the costs and potential benefits of this coverage.

How to Prepare for Extreme Cold

Thu, 02 Feb 2023 14:12:00 GMT

With the upcoming deep freeze heading towards New England we encourage you to be prepared for the extreme cold, however short lived in may be! Here are some tips to consider as we head into this weekend.Drain outside faucets and use insulated faucet coversKeep cabinet doors open to let warm air circulate around the pipes under sinks and adjacent to outside wallsTurn on all faucets at a slow drip to keep water moving and to prevent pressure from risingSet the thermostat no lower than 65 degrees. And don’t turn your heat down at night! You want to maintain your heat throughout the night when this cold weather hits. Depending on what type of heating system you have, when you turn your thermostat down at night your heat system won’t cycle for a while and during that down period the heat lines can freeze.If you have an attached garage, keep the doors shut except for during exit and entry. Garages (and the pipes in them) get colder than you might expect!If you’re leaving your property for an extended period of time, consider shutting off the main water supply line and winterizing your appliances. A licensed, fully insured plumber can perform this work for you. Additionally, keep your heat on and ask someone to check on your property regularly.Know the locations of your water mains and supply lines. Mark them so they can be easily shut down in the event of an emergency, such as a burst pipe or structural damage.Remember that if it’s too cold for you, it’s probably too cold for your pet, so keep your animals inside. If left outdoors, pets can freeze, become disoriented and wind up lost. In addition, don’t leave pets alone in a car during cold weather, as cars can act as refrigerators that hold in the cold and cause animals to freeze to death.

Problematic Pests - Protect Your Home, Especially in Winter!

Mon, 09 Jan 2023 14:25:00 GMT

It’s the time of year to be cozy here in New England. With temperatures plummeting and snow on the ground, you might be spending a lot of time inside your home. It’s only logical that in this time of year we see an increase in some unwanted house guests: rodents and insects who also want to start warm in the winter months! From mice to termites to squirrels, all types of creatures can make their way into your house during the winter — leaving a trail of destruction. Let’s talk about how you can keep your home pest-free this winter.

Winter Pest Problems

Pests can cause problems in a home any time of year but winter is a very common time for them to do so. Why?

Potential Dangers of House Pests

Aside from the fact that pests indoors are simply a nuisance and are invading your personal space, there are serious threats they pose to you and your family that go beyond headaches.

If you ever suspect an infestation of any kind of pest, you should call a professional exterminator immediately.

Here are some steps you can take to be proactive in preventing a pest problem this winter:

Follow the preventative measures we’ve provided above and if these critters still manage to make their way into your living space, take immediate action.

The House on Boston Road – Singletary Farm

Wed, 21 Dec 2022 15:41:00 GMT

By Steve LeClaire

While cleaning out my parent’s home on Boston Road recently, I came across this fascinating photo. It shows the home on Boston Road that would be owned by my grandparents, Stephen & Mary Benjamin from 1927 to 1953. I’d never seen this picture growing up, and immediately knew I’d struck gold. My grandmother’s scrapbook only had pictures back to 1927, so I knew this was the earliest picture that existed of the property. It shows seven people who appear to be the owners or residents. I’d never seen the white picket fence in any photos my grandmother had. Who were the people in the picture and when was it taken? On the back, in script I did not recognize it said: “Esq Sibley Estate, Later John D. McCrate followed by James W. Stockwell. So I knew I had the right place. I set out with the two volumes of the Sutton Town History to find out what I could and make some educated guesses. Here’s what I found out:

The Whipples -

Not many know the history of what is currently St. Mark’s Catholic Church Rectory on Boston Road. The Sutton Town History says “the original upright part of the house was presumably built by John Whipple sometime in the 1760’s.” Tracing the Whipples is complicated, as there are several generations of ‘Johns’, as well as second and third marriages after deaths. Whipples feature strongly in the settling of Rhode Island. John Whipple I, was born in 1695 in Salem Mass, and died in Sutton in 1740. He served as Sutton’s Town Moderator off and on between 1725 and 1730, and as Selectman between 1721 and 1727. My guess is that he arrived in Sutton in 1721, just before the birth of his son, but I’m unable to ascertain where he lived at first. One of John’s earliest recorded acts as a selectman in 1723 was to ‘be (on) a commity to dispose of ye room allowed for Pews to such Inhabitance of Sutton as they according to their best discressing (discretion) shall judge meet.” Whipple was assigned ‘front 5 foot and 3 inches, deep 5 foot and 6 inches, being on the west side of the south door’. The new church on the common was barely 4 years old. He is then sprinkled throughout the town meeting records of those earliest years, amongst those charged with hiring, handling salary disputes and eventually dismissing the first minister, Rev. John McKinstry, and hiring Rev. David Hall.

His son John, later Capt. John Whipple II was born in Billerica Mass in 1722. He married Susanah Putnam in Salem. As this John Whipple would have been 45 years old in 1767 when the main portion of the Sutton house is estimated to have been built, it is probable that this is the John Whipple referred to in the Town History as the builder of the house. He died in Central Falls Rhode Island in 1807, and is buried there. The only official mark John II left of his time in Sutton, is the recording of the birth of his son John Whipple III, born on March 15, 1766. When John III was born in Sutton to Captain John and Susannah Putnam, she was 42 he was 44, perhaps old for child bearing years by the standards of the day. The Town history refers to John III as ‘Jr’, and says he was educated at Leicester academy, before marrying Anna Hall of Sutton in 1794. They had ten children together, and moved to Charlton Massachusetts, where he died in 1847 at 81 years of age. He was buried there, and left behind a large estate. John Jr ( or III) also had a half- brother, ‘Deacon John Whipple’ (1748-1772) from Captain John’s first marriage to Sarah Cummings. The half- brother and family are buried in South Sutton Cemetery. Confused?

Rev. Edmund Mills -

John Whipple Jr (III), conveyed the property to Rev. Edmund Mills in 1803. Mills occupied it about 15 years, to about 1818, when the family moved east to Sutton Center. ( to the Halls-Mills house ) Mills was born in Kent, CT in 1752. After graduating from Yale College in 1775, he married widow Abigail Moore Packard in 1789. Rev. Edmund Mills was ordained pastor of the First Congregational Church in Sutton on June 23, 1790. Before the move to ‘Singletary Farm’, Mills owned the ‘Major Elliot’ home, later owned by L.W. Howard as of the writing of the Sutton History Vol 1 in 1876, and currently owned by Keith Downer. Mills brought up two of Packard’s children there, and the couple had six children of their own. Mills died in Sutton in 1825. In 1826, the Town voted ‘to procure gravestones to the Rev. Edmund Mills grave ( in Sutton Center cemetery ) said stones not to exceed forty dollars.’

Hon. Jonas Sibley, then by his son Jonas L. Sibley, esq.

Brothers John and Richard Sibley arrived in Salem MA from England in 1629. John’s sons Joseph, John, and Jonathan were amongst the original proprietors and first 30 families to settle Sutton. Five generations later, Jonas Sibley was born March 7, 1762 in Sutton. Jonas and wife Lydia had 3 children. He represented the district for nineteen years in the state legislature and was also a state senator. He died in 1834. His youngest, son Jonas Leonard Sibley was born Jan 4, 1791 and graduated from Brown University, class of 1814 and was admitted to the bar in 1817. Although Jonas and Jonas Leonard were ‘engaged in agriculture’, they both found time to be active public servants. Jonas L. represented Sutton for several years in state legislature, and was eventually appointed US marshal for the port of Boston by President Jackson himself. The elder Sibley served as Town Moderator between 1802 and 1809, and the younger between 1812 and 1833. He served as Sutton’s Town Clerk between 1823 and 1830, and served on the School Committee.

The ell of the house was built during the Sibley’s ownership, presumably between 1830 and 1850 and was used as a law office under Jonas L’s tenure. The 1850 census lists the value of the farm at $2,250 encompassing 80 acres of improved land and 26 acres of unimproved land, $75 dollars-worth of machinery, 1 horse, 5 milk cows, 2 working oxen, 13 other cattle, and one swine. The value of the livestock was set at $475 dollars. After 35 years of marriage, Jonas Leonard Sibley died in 1852. Margaret died in 1858.

Jonas Leonard had married Margaret Nusom Monroe in 1817. Together, they had 8 children. 4 of whom were living at the time of the writing of Sutton History, volume 1.

1. The eldest, Susan Maria Sible was born in Sutton in 1818. She married the Honorable John Dell/Dennis McCrate in Boston on January 2, 1851. McCrate was born in Wiccasset Maine on October 1st, 1802, and died in Sutton in 1879 at 77 years of age. The McCrates had no children.

2. Daughter Joanna LeBaron Sibley was born May 1st, 1820. She marred the Rev. John J Pierpont in Sutton in 1844. They moved to Medford, where she died in 1852. She is buried in Sutton Center.

3. John Monroe Sibley was born on August 7, 1822 in Sutton. He married Experience Clark Wheelock on September 6, 1848 in Warwick RI. He died on June 4th, 1900 in Sutton. The couple went to California for a time, and had one son, John Pierpont Sibley.

4. Frances Lydia Sibley was born Feb 22, 1824 in Sutton and died Oct 21, 1827 in Sutton.

5. Mary LeBaron was born March 16, 1826 and died June 3, 1830. Mary and Frances are both buried in Sutton Center.

6. Henry Jonas Sibley was born on April 21, 1828 in Sutton. He married Mary Hutchinson of Lebanon CT on Sept. 23, 1878 in Alameda, California; died on Sept. 17, 1889 in Sutton, MA. As of the 1880 Census, Henry & Mary were living in California, where Henry worked as a real estate agent. Henry died in 1889, and is buried in Sutton. Mary died in 1904, and is buried in California.

7. Frances Mary Sibley, born August 29 1830 in Sutton married James Willard Stockwell, son of Simeon & Delia ( Holbrook ) Stockwell, on June 25th, 1867 in Sutton. She died ‘suddenly and unexpectedly’ in Sutton on November 10, 1900.

8. Margaret Louisa Sibley was born October 26, 1832 in Sutton. She died on January 29, 1836 in Sutton.

The McCrates & Stockwells -

Jonas L Sibley’s eldest daughter Susan (b. August 31, 1818 ) married Hon. John D. McCrate on January 2nd, 1851. McCrate was born in Wiccasset Maine on October 1st, 1802 and had entered law school at the age of 13, graduated at 17, and began his profession in Maine at age 20. He was a member of the House of Representatives from Maine and together he and Susan became the owners of the Sutton property around 1852, when McCrate retired from law ‘to engage in agricultural pursuits.’ He died in Sutton in 1879 at 77 years of age. The McCrates had no children.

Another of Sibley’s daughters, Frances Mary, born in 1830, married James Willard Stockwell of Sutton in June of 1867. Stockwell was born in the Eight Lots district in 1838. He registered for the Civil War draft in 1863 at age 25 as required, but apparently was never called up. As a point of interested, he is listed right along with Hollis Sherman, also age 25. Sherman’s son Louis would purchase ‘The Elms’, the home east of Stockwell on Boston Road in 1912.

As of the 1870 census, Stockwell is listed as a lumber dealer. The Stockwells apparently had no children of their own, but James had guardianship for Hattie L Warfield, born in 1857.

The Stockwells became the owners of the property upon Susan McCrate’s death in Boston in 1889. Sutton Town History vol II states: “(The Sibley sisters) were cultured women, respecting old customs and traditions. Mrs. McCrate was regal in bearing, of great courage and determination, yet kindly in nature. Frances Stockwell was a woman of unusual charm and grace. On November 10, 1900, as she returned to the room after bidding goodbye to guests whom she had entertained for the evening, she sank to the floor and passed away in an instant. Thus, quietly came the end of her beautiful life.” James W. Stockwell himself gave many years of public service as Town Treasurer, Tax Collector, and as State Senator from the district in 1879. He was chairman of the School Committee, and instrumental in the establishment of the first Sutton High School. He was a member of the Olive Branch lodge of Masons.

Mr. Stockwell married his second wife, Joanne Garvin on April 23, 1902. Because of ill health, the Stockwells sold the farm in 1927 to Stephen E. Benjamin of Millbury. Mr. & Mrs. Stockwell had by then moved to the Bancroft Hotel in Worcester, where they lived until their deaths in 1931 and 1935 respectively.

The 1900 Census Survey, taken just prior to Frances Stockwell’s death shows the following residents:

James W. Stockwell: Head of family, age 62

Frances Stockwell: Spouse, age 69

Joanna Garvin: Sister in law, age 28. Her birth date says 1851, ( tombstone says 1854) which would make her 49. There are many other discrepancies re: Joanna Garvin. Her parents were both born in Ireland, making her 1st generation in this country. In other documents and census, she is listed as a ‘domestic servant’. At any rate, she was living ‘with the family’ prior to Francis Stockwell’s death. If she was a ‘sister- in- law’ to the head of the household, I’ve yet to find the connection.

Also listed as residents on the 1900 census:

John M Sibley: Brother in law, ( son of Jonas L. Sibley ) age 77, married in Warwick RI in 1848. He died June 4, 1900.

Eliza Farrill: Servant, age 32 from PA.

So, who are the seven people in the photo? We’ll never know for sure. But with some extrapolation and known pieces of the puzzle, one can make educated guesses. Most of the Sibleys, McCrates, and Stockwells were gone by 1900. The straw boater hat is a clue. Although these hats existed as early as the 1820’s, they were not ‘popular’ until the 1880’s through the 1930’s. The full- length dresses appear to be turn of the century in style. If we ‘assume’ that the women in the white dresses are Susan Sibley McCrate ( who predeceased her sister) and her sister Frances Sibley Stockwell, ( who died in Boston in 1900 ) the picture could be circa 1890, with Susan being about 70 and Frances being about 60.

There are three men in the picture. Since we know John D McCrate died in 1879, it is unlikely he is pictured here. James W. Stockwell would have been only 52 in 1890, and John M. Sibley would have been 67. But let’s assume the picture is circa 1879. Is the man seated behind the fence - who appears to be the oldest of the group - indeed McCrate? He’d be about 77. Then, are the couple in the fence opening James W. Stockwell ( age 41) and wife Francis ( age 49 )? Is the short woman in the hat Joanna Garvin, age 22? Is the man in the boater John M Sibley at 56? With wishful thinking, it could be possible.

I’ll never know, without seeing proven pictures of all those named, but it’s fascinating to me to put together the pieces of the puzzle of those who went before us, and made their lives on Boston Road. I find them all friendly ghosts. I welcome any corrections or further information.

Tips on Driving in Snow!

Mon, 12 Dec 2022 16:25:00 GMT

The snow has arrived and winter is really here which means you may have to drive in inclement weather. That can pose extra risks when you’re behind the wheel. The American Automobile Association’s (AAA) Foundation for Traffic Safety says snow-covered roads — as well as roads coated with ice, slush or water — account for nearly 500,000 vehicle crashes and more than 2,000 road deaths each year.

Here are a couple of quick tips to stay safe while driving in the snow.

1. Stay home if you can!

If the weather is bad, stay home. Only go out if necessary.

2. Remove snow and ice completely

Before you clear off the windows, start the car, set the airflow to defrost, the fan speed to maximum, and the temperature to high. The goal is for the driver to have an unobstructed view in all directions.

Carry a brush to remove snow on the vehicle’s roof, hood, trunk lid, and all windows before driving. Use a scraper or a credit card to remove ice on the car windows and mirrors if necessary. Make sure to fully clear snow off of the roof of your vehicle.

3. Decrease speed

Winter driving is all about slowing down and giving yourself plenty of distance between vehicles in front and to the side of your vehicle. Remember, bridges and overpasses freeze first. Lower your speed to account for poor traction. Don’t press on the accelerator pedal with full throttle when driving in sleet, ice, and snow.

4. Minimize distractions

There are always distractions that come into play as part of everyday driving — the temptation to talk on your phone, turn on a podcast, or anything else. The risk of an accident greatly increases when snow and ice cover the street. Pay attention to the road and other road users. Use extra caution when the conditions are poor.

5. Keep a full tank of gas or stay fully charged

Fill up your gas tank ahead of a storm and keep it full. You don’t want to run out of gasoline if you end up stuck for hours in bumper-to-bumper traffic during a snowstorm, sleet, or ice storm. When the tank gets half empty, fill it up. Stay fully charged or at least at 80% as much as possible in an electric car. Know your electric vehicle’s systems that eat up battery charge, including blasting the heat. Instead, keep seat warmers (if equipped) on low and use your systems sparingly to preserve battery power.

6. Educate your teen drivers on driving in smow

There may be a few exceptions, but probably close to 100% of us learned the basics of driving on dry pavement. To prepare teens for winter driving, take them to a parking lot that is covered with snow to demonstrate braking, steering, accelerating, and decelerating. Do this before the driver hits the slippery streets on their own.

7. Respect snowplows

Snowplow drivers focus on clearing roadways. At the same time, the snowplow driver may be on the radio getting instructions from a superintendent. As a result, it could be that peripheral vision gets obstructed by the flying snow and the truck’s big snowplow. The driver may not see your vehicle.

In addition, watch out when driving next to a snowplow on a major roadway. The snow that flies off the sides of the plow can hit your windshield, making it difficult and near impossible to see the road. To be safe, keep a distance from any snowplow on the road.

8. Be on the lookout for black ice

The pavement looks wet, but it is actually ice-covered. Black ice is the term used to describe this condition. During the day, the ice and snow may thaw. But as the temperature drops in the late afternoon or evening, water may turn to ice on the roadway. Pay attention to changing temperature conditions.

Many vehicles post the outside temperature on the instrument panel display or elsewhere in the vehicle — as it gets close to or below freezing, beware.

Before you head out on snowy roadways make sure you have the right auto coverages on your policy. Contact our office today if you have any questions or for a complimentary policy review.

March is National Umbrella Month!

Thu, 24 Mar 2022 12:25:00 GMT

March is National Umbrella Month!

What is personal umbrella insurance and do I need it?

Umbrella insurance works very much like an umbrella you would use to keep the rain away. It extends the protection your home or auto offers. A personal umbrella policy provides liability insurance over and above your primary insurance policies, such as homeowners and auto. It’s used when you are found liable for a claim that exceeds the limits of your underlying policies.

Let’s tackle a few questions about umbrella insurance coverage as we celebrate National Umbrella Month!

So what does umbrella insurance cover?

What are some examples of when you may need an umbrella policy?

So do I really need umbrella insurance?

Ok, so what is it going to cost me?

What doesn’t an umbrella policy cover?

Fire Prevention Week 2021

Mon, 04 Oct 2021 13:42:00 GMT

Learn the Sounds of Fire Safety

Is there a beep or a chirp coming out of your smoke or carbon monoxide alarm? What does it all mean? Knowing the difference can save you, your home, and your family! Make sure everyone in the home understands the sounds of the smoke and carbon monoxide alarms and knows how to respond.

Learn the sounds of your smoke and carbon monoxide alarms by checking the user guide or search the brand and model online. What is your alarm telling you?

SMOKE ALARMS

• A continued set of three loud beeps—beep, beep, beep—means smoke or fire. Get out, call 9-1-1, and stay out.

• A single “chirp” every 30 or 60 seconds means the battery is low and must be changed.

• All smoke alarms must be replaced after 10 years.

• Chirping that continues after the battery has been replaced means the alarm is at the end of its life and the unit must be replaced.

CARBON MONOXIDE (CO) ALARMS

• A continuous set of four loud beeps—beep, beep, beep, beep—means carbon monoxide is present in your home. Go outside, call 9-1-1 and stay out.

• A single chirp every 30 or 60 seconds means the battery is low and must be replaced.

• CO alarms also have “end of life” sounds that vary by manufacturer. This means it’s time to get a new CO alarm.

• Chirping that continues after the battery has been replaced means the alarm is at the end of its life and the unit must be replaced.

Make sure your smoke and CO alarms meet the needs of everyone in your home, including those with sensory or physical disabilities.

Some tips:

✔ Install a bedside alert device that responds to the sound of the smoke and CO alarms. Use of a low frequency alarm can also wake a sleeping person with mild to severe hearing loss.

✔ Sleep with your mobility device, glasses, and phone close to your bed.

✔ Keep pathways like hallways lit with night lights and free from clutter to make sure everyone can get out safely

Source: National Fire Protection Association nfpa.org

It's National Coffee Day! What has that got to do with insurance?

Wed, 29 Sep 2021 18:15:00 GMT

Happy National Coffee Day! Now what does this have to do with your insurance? Well, did you know that your morning coffee can cost about the same as your auto insurance?

Before Starbucks and fancy coffee houses were serving up $6 lattes and blended coffee beverages, coffee was … well … just coffee that the local diner used to sell you for a $1.00. But this simple commodity was shaped into “an experience” that compelled consumers to pay $2 – $6 for a cup of coffee. Similar to the difference between an elevated restaurant dining experience compared to the local fast food joint, many are willing to pony up for a more personalized, higher level customer experience. That simple cup of coffee is now a premium product and consumers will pay “value” prices to get it.

So what about your auto insurance? Many people put less value in their auto insurance than they do that cup of morning coffee. They remain reluctant to pay for the premium auto insurance product, always seeking to find the low cost option, regardless of what that may (or may not) provide for coverage for them and their family.

The same morning coffee that we put a premium on, for the “experience,” costs roughly the same as the average auto insurance policy.

The average auto insurance policy will cost roughly $1,300 per year (for a 2 person household). If you get a coffee each morning before work, and pay $2.00, you will pay (for a 2 person household), about $1,000 per year … and that’s if you only get one before work.

Psychologically we are accepting of a $2.00 or $6.00 cup of coffee, the same coffee we could brew in our home for a nickel, because we place some premium value on the experience as well as the ease and convenience, but we struggle to reconcile the value of our auto insurance.

But coffee is awesome! I need it to function and it’s delicious. Auto insurance is boring and I don’t get anything out of it… right?

Sure, there are plenty of reasons some of this is true. First, unlike your morning cup of coffee, insurance does not have any immediate reward, it’s an intangible product. And, most of us think we’re great drivers and won’t need our auto insurance. We set it, and forget it.

And, this is probably more likely, we think that all insurance is the same.

But all insurance is not the same. There is much more to it than the limits and deductibles you see on your declarations page. Just like any other product, when you pay less, generally speaking, you are trading off something… and with insurance it is likely coverage or service, or could be both.

Insurance is not a commodity

The reality is that auto insurance is not a commodity and there are real differences between insurance companies and insurance agents. This is very different from purchasing your morning coffee on your way to work.

Your auto insurance is an intangible product … you can’t wear it, eat it, or drive it, but you will most likely need to use it at some point in your life.

If you’re not willing to invest as much in your auto insurance as you do in your morning coffee, you may find out the hard way what a ‘bad’ auto insurance company looks like when you have to file a claim.

Products become commodities when marketers have run out of ideas for providing value to consumers.

Roughly 20% of Americans consider shopping their auto insurance each year, so if you’re one of these people, think about how much you spend on your morning coffee, and treat you auto insurance with the same “value” consideration you place on other service based industries and what you’ve come to expect when you buy a nice cup of coffee, a craft cocktail, or a nice dinner out. The value is in the service and the experience of the purchase. We hope that you’ll consider Stephen Benjamin Insurance Agency to assist with your auto insurance needs. We’re a 4th generation family owned and operated small business that focuses on personalized customer service to get you the product you need to protect your most important assets.

Homeowners Insurance and Mortgagee Billing

Fri, 10 Sep 2021 13:18:00 GMT

Do I have to notify my insurance company if my mortgagee changes?

How many times have you heard of banks buying out other banks, changing their name, or selling borrower’s loans to other banks? Probably pretty often! You may have gotten a letter in the mail to notify you of such a change.

How many times do you think said banks contact your insurance agent or company to inform them of a change? Hardly ever. In fact, almost never!

What can happen if the insurance company is not aware of a change of mortgagee? Especially when your mortgage company pays your insurance premiums out of escrow? Your insurance could possibly cancel for non-payment of premium!

As the insured, you need to keep your insurance agent up to date with information about any changes of banks (for example, if you received a letter that your loan has been sold to another bank), if you have recently refinanced with a different bank, or even if there has been a change in your bank’s address.

If your homeowner’s insurance premium is to be paid by the mortgagee, the payments are escrowed, which means that part of your monthly mortgage payment is set aside to pay this bill. When the policy renews, the company will send an invoice to the mortgagee that is on the policy. If this has changed, the “old” mortgagee will not send this invoice to the “new” mortgagee – it likely just gets tossed in the trash. The next thing that happens is that you are getting a notice of pending cancellation for non-payment of premium which of course can be very unsettling.

If you, the insured, can confirm that we, your agent, have the correct mortgagee clause and loan number on your policy, we can work on avoiding any problems with payment of the premium.

Questions about your homeowner’s insurance policy or how your account is set up for billing? Reach out to us today! We’d be happy to help.

The Hikers

Fri, 03 Sep 2021 14:44:00 GMT

Originally Published August 24, 2016 by Steve LeClaire

It was John MacLaren who suggested in about 1923 that the young ladies in his parish start a “Young Woman’s Club”. The first president was Maude ( Ray ) MacLaren, who had married Reverend John’s son Harold in 1913. Sutton was a small town, and everyone knew everyone.

Rev. John McFarlane MacLaren was pastor of the First Congregational Church of Sutton from 1916 to 1924. Born in Greenock, Scotland, he came to Thompsonville, Connecticut and married Ada Logan in 1886. All of their children; William, Alta, Harold, Grace, and James Eion, were born in Connecticut. The last, Edward, was born in Worcester. The family moved to Sutton and into the parsonage in Sutton Center when Rev. John became minister. The family quickly assimilated into Sutton and its culture.

One of Rev. MacLaren’s Deacons was Dexter Alonzo Brigham. Dexter Alonzo’s father, Dr. John Brigham had settled first on the old Whticomb place, which almost 100 years later would become Pleasant Valley Country Club. In 1873, the Brighams moved to the Royal Penniman estate on Leland Hill, naming it “Calmer Farm”. They would farm there for almost 80 years.

Fast forward to the 1920’s. Deacon Dexter A. Brigham’s son John Dexter –a big strapping farm boy freshly discharged from the Army in World War One, would eventually court and marry the minister’s daughter Grace, firmly cementing the MacLaren-Brigham relationship bridge in Sutton. Tradition says that young John Dexter Brigham would ride his motorcycle from the family farm on Leland Hill up to the Sutton Center parsonage to court the minister’s young daughter, Grace. There may have been some sideways glances or raised eyebrows, but in due time Miss MacLaren became Mrs. John Brigham and both became respected members of the church and Sutton community.

Grace Brigham became the dutiful farmer’s wife at Calmer Farm on Leland Hill. The farm operated a dairy and raised many chickens, but was mainly a produce and truck farm, as vegetable farms were known then. John Brigham and his International truck were a common sight on his vegetable route into Worcester. “Calmer Farm” was a progressive farm, and eventually boasted having the first rubber tired tractor in Sutton. Tractors had steel wheels then, but Brigham purchased his 1935 John Deere on rubber. Other farms scowled at first, doubting its prowess and usefulness, but soon there were rubber tired tractors all over Sutton. John Brigham knew. He’d been to Stockbridge Agricultural where he’d been a star athlete as well as a avid student of farming.

Reverened John MacLaren suggested to his congregation in the 1920’s that they start a young women’s group. Many of the women agreed it would be a good idea. Some were newlyweds, some had small children already, and some were raising teens. The first president was Maude ( Ray ) MacLaren, who had married Rev. MacLaren’s son Harold in 1913. The MacLarens lived on Uxbridge Road, just up the hill from the common and the church. Harold worked as a construction superintendent.

Eunice ( Perry ) King, and her husband Arthur lived just a bit further up Uxbridge Rd , right about where Bond Hollow Rd forks off to the right. Arthur was in the cattle business, having purchased his farm in 1921. Eunice was a 1914 graduate of the then relatively new ( 1908) Sutton High School building on Singletary Ave. In time, Eunice would become an active worker in town, interested in organizations of the church, school and Grange. She would go on to hold many important offices in these groups and serve on countless committees. She would become a register of voters for many years. She would be High School Librarian in my lifetime. A town scholarship still exists in her name. But as a young woman in the 1920’s, she quickly joined her neighbors in the newly formed young women’s club. Years later, John and Grace Brigham’s son Donald – a talented artist - would paint a beautiful mural depicting fields, trees and cattle on the two huge doors of King’s farm truck garage on Uxbridge Road.

A couple of the members of the Women’s Group lived up in the Eight Lots district. Nelson Gerber inherited his father’s share of the large brick house and estate ( now owned by Dan Moroney ) in 1927. He’d married Miss Dora Ann Rau of Rockville, Conn in 1911. Dora Gerber became an active member of the little group. The Gerbers were farmers. Before the elder Gerber had passed in 1925, the farm was divided and a tract of 276 acres across the road was sold to George Thompson and his wife, Miss Mamie Stratton of Grafton. The Thompsons were farmers as well. Mamie joined the Young Women’s Club at the urging of her neighbor, Dora Gerber.

Another member was Mrs. Milton Holbrook, or ‘Ruth’ as she was called. The Holbrooks lived next to the Sherman Blacksmith shop, in the house currently occupied by Mark and Audrey Brigham. (the great grandson of Rev. John MacLaren!)

Of course the minister’s daughters became members of the Young Women’s Club. Alta Irene MacLaren, who never married joined, as did her younger sister Grace (MacLaren) Brigham.

So, the group of young women continued to meet, assist in church affairs, and share lunches and ‘teas’ at each other’s homes. A sub section of the group – the aforementioned women - got together to share their enjoyment of quilting. They would gather at each other’s homes and work on beautiful quilts together. One day, gathered around the watering trough in front of the Brick Block in Sutton Center, Dora Gerber jokingly said that if they would “hike” to her home in Eight Lots District on the Oxford line she would serve a chicken dinner. The five others took her up on it. The second “hike” was to the Brigham Farm at the Northbridge line. From those two hikes the six “Hikers” met once a month at a member’s home and made bed quilts. Thus was born, ‘the Hikers’.

The Hikers had no official status or standing. The name was an unofficial moniker given them by townspeople who saw the little group walking about town to each other’s homes, merely for the exercise and comradery. The ladies were a sub-group within the larger Young Women’s Club, of which they were the backbone as it was. However, they continued to exist and meet throughout the 1930’s and the Second World War years of the 1940’s as ‘the Hikers’.

The War took John and Grace Brigham’s eldest son John Dexter Jr. off to service with the Navy in 1942. Dexter survived the kamikaze attack on board the Belleauwood in the pacific. Son Robert served in the Army of Occupation from 1946 through 1948. Later, youngest son Jim served with the Navy during the Korean War on board the USS Midway. Prior to the start of the war, John Brigham Sr. had scaled down his farm operations, leaving the work to his sons and hired hands. John joined the US Post Office as a mail carrier. Grace cared for her family while she continued her work with the church and meetings with The Hikers. She baked a mean apple pie, and homemade donuts.

Harold & Maude MacLaren’s son John likewise went off to war, serving with the US Army throughout Scotland, England, Africa and Sicily. Son George, known as ‘Midge’ entered the service in 1942 and flew fifty missions in combat with the 15th Air Force, and was awarded several medals. Arthur & Eunice King’s son David entered the service in 1946 and served with the 25th Infantry Division on Occupation duty in Japan.

The Hikers still got together once a month, hiked shorter distances, worked within the church group, and maintained close family friendships. World War Two and then the Korean War ended, and the heroes returned to the blue star mothers. The prosperous 1950’s began. Sutton was looking forward to its 250th anniversary in 1954. The town planned a large celebration, including a massive parade, spectacular fireworks, historical displays, religious services, and a festive ball.

This is when The Hikers made themselves heard. “Wouldn’t it be nice to include Purgatory Chasm and State Park in some way?” Maude MacLaren suggested. The Purgatory State Reservation had been established in 1919 through the efforts of Sutton’s own Herbert L. Ray, a former member of the State legislature, and father of Maude Ray MacLaren. A large portion of the park, including the chasm itself, was acquired from the Whitin Machine Works in neighboring Whitinsville. In 1950, John C. Dudley and Flora H. Dudley gave the 70 acre John H. Dudley Memorial Forest to the town, in memory of their son, who was killed in action over Sicily in 1943. Another Hiker quickly agreed that Purgatory should be utilized; “Yes, but how?” It was suggested by a Hiker that perhaps the church would sponsor a picnic breakfast at Purgatory. With the agreement of the church, the Hikers agreed to spearhead the planning of the breakfast, to be held on Monday, September 6th 1954 – Labor Day – as part of the big 250th celebration.

With the help of Park Superintendent Charlie Graveline, the breakfast was planned to be held in the parking lot near the pavilion at the entrance to the chasm. The church and its kitchen workers helped. Volunteers from the local farms offered their trucks and helped to gather all the wooden picnic tables from throughout the park, and bring cooking gear from the church.

John Brigham was responsible for making coffee. He stoked the wood and charcoal fires in the stone fireplaces and boiled huge pots of water. His son “Dexter” cooked on one of the grills. Charcoal grills were made from metal barrels cut in half length-wise, and placed on metal stands. Thick, sheet metal rectangular, pans on top formed the grills. Grace Brigham handed out homemade donuts. Ruth Holbrook and her daughter June, as well as June’s friend Doris Jones passed out donuts and little boxes of cereal. The MacLarens all worked the grills, flipping thousands of pancakes and slices of ham. There were other members of the church that helped by preparing the batter, stocking the grills, and rolling plastic silverware into paper napkins. Alden Perry cracked and fried eggs, along with Bucky Smith. Alden’s father, Norman Perry and “The Maples” supplied the refrigerated milk truck to keep milk cold. My mother, Betty Benjamin – secretary for the 250th celebration itself – poured coffee. A few weeks later she’d meet and begin dating my future dad. The first breakfast was a huge success by all accounts.

The breakfast continued annually for over 50 years. With the demise of The Maples farm, Eaton’s Dairy eventually supplied milk. Over time, the children of the originators helped and then took things over completely. Dexter Brigham was chairman for several years. He and his brother Jim manned the grills. Dexter’s son Mark eventually helped, flipping his share of pancakes. Ed MacLaren’s son Ben joined in, grilling ham as I recall. Bucky Smith’s son Andy took over on the egg grill. Jack Perry assisted his father Alden in grilling ham. The grills became tightly controlled, and highly coveted spots in the assembly line breakfasts. It became a joke that in order to work one of the grills, you had to be bequeathed a spot in the cook’s will. It was a badge of honor to work at the Purgatory/Labor Day Breakfast. By the 1970’s it was an annual tradition to get a couple of Bucky’s eggs, Alden’s ham and Dexter’s pancakes, as well as Grace Brigham’s donuts and June Holbrook’s cereal. John Brigham still poured coffee. He’d work long hours through the night before, in the kitchen of the church – boiling coffee and pouring it into large 40 quart milk cans to be transported to the Chasm in the morning. My dad helped my mother pour coffee too, and when I was old enough in my high school years, I helped pour too. The annual breakfast became a “must attend” social event of the year. Soon, there were busloads of out of towners attending. Motorcycle groups planned fall rides around attending the Labor Day Breakfast in Sutton. Long lines formed, and sometimes people waited hours for tickets. It was no matter. People socialized and saw folks that they didn’t normally cross paths with. It became a town reunion of sorts. Politicians, local and state all came to shake hands and lightly solicit votes. The breakfast became profitable, and I remember my father writing ‘rain insurance’ for the organization in case the breakfast had to be cancelled due to inclement weather. For years, he had to meet the local meteorologist from Worcester Airport to measure and determine any precipitation. The policy rarely if ever paid off, the sun was often bright and clear over Sutton on many a crisp morning - and my dad and the weatherman would simply enjoy a hearty breakfast together.

By the late 1970’s and early 1980’s the next generation had taken over the heavy labor, but The Hikers remained at the center of it all. They obviously aged each year, and finally relegated themselves to sitting at the head of the line taking tickets and greeting the patrons. Many of the women retained their plaid 250th anniversary hats, and wore them proudly. They passed out token advertising items provided by local business sponsors such as yardsticks and rulers, bag clips and calendars, inflatable sponges and refrigerator magnets. Through the years, the efforts of the Hikers and their spouses have brought in a substantial amount of money, given to the First Congregational Church. Fire victims have been recipients of handmade quilts and money when disasters struck. The Hikers were the revered matrons of Sutton.

Alta MacLaren only saw the first three breakfasts, passing away in August of 1957 at age 67. And just a year before the first breakfast, the Tornado of 1953 had flattened Calmer Farm and the Brigham’s home on Leland Hill. Choosing not to rebuild, John and Grace built a small home on Boston Road and relocated. Grace passed away in 1983 at age 87, followed by John in 1990 at age 92. Nelson & Dora Gerber sold their farm on Eight Lots Road to Paul Libbey, and moved to a small house on Boston Road, at the base of Hovey Hill. I think Eunice King was the last living Hiker.

By the time fifty years had passed at Sutton’s 300th anniversary in 2004, the original Hikers were all long gone and the First Congregational Church had officially taken over the organization of the Labor Day Breakfast. The ‘breakfast’ had been moved to the Sutton Center Common, as it was becoming too difficult to set up a huge outdoor kitchen in Purgatory. Although a necessary and practical move, the atmosphere just wasn’t quite the same. However, the sensible Church workers wanted the option of being able to move inside quickly should it rain, which for whatever reason seemed to happen slightly more frequently than in the past. At least in my memory, I don’t think the breakfast has ever had to be cancelled outright. Different traditions are born each year as new members of the community mingle with the old timers and are welcomed into the culture that is Sutton.

The original women never forgot their trysting place either – the watering trough in the intersection in front of the Brick Block - and had kept it in bloom during the summer and green during the winter. That ‘trough’, the black and white striped iron pipe now sits in front of the Blacksmith Shop as a lasting tribute.

These were The Hikers:

Miss Alta MacLaren

Grace Brigham (Mrs. John D.)

Ruth Holbrook (Mrs. Milton L.)

Eunice King (Mrs. Arthur E.)

Maud MacLaren (Mrs. Harold L.)

Mamie Thompson (Mrs. George)

Dora Gerber (Mrs. Nelson, Sr.)

Is it covered? I've got water in my basement!

Thu, 02 Sep 2021 16:30:00 GMT

After a summer of above average rainfall in Massachusetts, with after effects from Elsa, Fred, Henri, and now Ida it seems like everything around us is wet and swampy. After each major storm, we’ve gotten a lot of questions about water and what is covered under a homeowners policy.

Water damage is sometimes covered by a standard homeowners insurance policy, but not always. It depends on what the cause is: sudden or accidental, internal water damage is covered, while damage due to lack of maintenance or neglect, as well as flood-related damages, are not.

So when does a homeowners policy cover water damage?

A standard home insurance policy will cover water damage if it is sudden/accidental and internal, with the requirement that the water has never touched the outside ground. This means the water damage must be the result of one of the 16 perils covered by homeowners insurance, such as sudden and accidental tearing, cracking, burning or bulging of a steam, heating, AC or automatic fire protection system.

When water damage is covered by homeowners insurance:

When water damage is NOT covered by homeowners insurance:

Water damage isn’t always covered by your home insurance if it’s not the result of an accident or sudden, unexpected occurrence. Neglect or lack of maintenance resulting in water damage means you’re personally on the hook for the cost of repairs.

Certain situations where homeowners insurance does not cover water damage are:

Standard policies don’t cover water damage resulting from a flood, either. For that, you’ll need to purchase flood insurance, especially if you reside in a high-risk area prone to flooding. Many mortgage holders will require you to purchase flood insurance if you are in a flood area.

What should you do if you think you may need to file a claim due to water damage?

If you have questions about filing a claim, water damage, or other questions about your policy, please reach out to our office and our team will be happy to help.

P.S. While we’re talking about flooding… remember, never drive into flooded roadways! It can be extremely dangerous and the water may be deeper than it appears. Stay safe!

Olive & Eunice - Whittier Farms Sponsor a Cow!

Tue, 02 Mar 2021 17:38:00 GMT

Guess what! We’ve sponsored a cow! and what’s better than one cow? TWO COWS!

President & CEO Steve LeClaire and his wife Joy, who is also our bookkeeper and ace registry runner, have personally sponsored two Whittier Farms calves through The Raelyn Calf and Herd Sponsorship Program .

What does it mean to sponsor a calf? Read on!

In 2020 The Raelyn Calf and Herd Sponsorship Program at Whittier Farms was founded and created by long time resident of Sutton, Linda Turgeon. Linda was looking for a special gift for her daughter Raelyn. Linda also wanted it to be a gift that gave back to the community. The idea was sparked when remembering how much Raelyn loved animals and her fondness for cows. She knew that the gift of care and support of Whittier’s dairy cows would be perfect. The farm had always been such a huge part of Raelyn's younger years. Living close by, the family would walk to the farm frequently to visit the cows and the farm store for a treat. The daily drives by were the highlight of Raelyn's day as she always announced "Hi Cows!" Whittier Farms is thankful for Linda's creative thinking and Raelyn's love for their cows as this program builds upon Whittier Farms’ stewardship and sustainability.

Learn more about how you can sponsor a cow by clicking here!

Why Olive & Eunice?

After much name debate, "Olive" and "Eunice" were decided upon to honor Sutton dairy matrons Olive Sherman Perry at The Maples and Eunice Perry King at Arthur King's Farm.

Both The Maples And Arthur King’s have roots going back to the earliest settlers in Sutton, but enjoyed their heyday in the 1940’s through the early 1960’s. The Maples operated on Singletary Avenue while Arthur King raised his herd on Uxbridge Road, near Bond Hollow. Olive and Eunice helped to support the farms and the families of two once thriving and important farms in town. Both women were close friends of Mary Stevenson Benjamin, wife of SBIA founder, Stephen E. Benjamin!

Sutton and the surrounding area has a rich history of family-run dairy farms. Unfortunately, as the dairy industry changed over the decades, many of them closed for good. Whittier Farms remains as the only full time dairy farm in Sutton. In addition to supporting young calves through the Raelyn Calf and Herd Sponsorship Program and supporting our friends & neighbors at Whittier Farms, we also wanted to highlight the importance of keeping agriculture alive and well here in Sutton by honoring legacies.

In the photo above, taken by the Whittiers, Olive is the black calf with bright blue jacket. She was born on February 16th. Eunice is the black and white calf and was born on February 1st. Both calves currently reside in their own calf hutch. We can’t wait to follow along as they grow up! We’re proud to be Caring for the Next Generation and supporting local agriculture and businesses.

Spring Motorcycle Tune-Up Tips

Tue, 23 Feb 2021 17:45:00 GMT

It’s starting to feel like Spring may finally be just around the corner. As the temperatures slowly begin to rise, there’s good news for motorcycle owners! It’s nearly time to take your bike out of storage and get it ready for another season.

Before you hop and and go for a ride, there’s a few key things you ought to check in on, after your bike has been away in the garage for several months.

Once you have completed these tasks, take a test ride around your neighborhood to ensure everything is working properly and safely. Enjoy the ride and the warmer weather!

* Please note: You should also follow the manufacturer's recommendations for any other maintenance requirements not mentioned in this article.