E-Newsletter
An Electronic Publication of the North Central Massachusetts Chamber of Commerce
Inside this edition, you’ll discover the latest Chamber initiatives and success stories from across our region. From economic development projects and upcoming networking events to policy updates and workforce training opportunities, we’re keeping you connected to what matters most for your business and North Central Massachusetts.
The North Central Massachusetts Chamber of Commerce is here to help – with trusted resources, a strong business network, and a support system to keep your business and the region moving forward
A business-led solution to one of our region’s greatest workforce challenges
After years of research, planning, and collaboration, North Central Massachusetts is taking a bold step forward in addressing one of our most persistent economic challenges: transportation barriers that limit workforce participation and business growth. The North Central Massachusetts Rides Transportation Management Association (TMA) represents an innovative, business-led approach to solving the transportation puzzle that has long hindered our region’s economic potential.
Transportation barriers don’t just inconvenience workers—these are obstacles that directly impact bottom lines. When qualified employees do not have access to reliable transportation to commute to and from work, businesses face chronic staffing challenges, increased turnover costs, and limited access to talent pools. In our largely rural region, where many communities lack comprehensive public transit, these challenges are particularly acute.
The data tells a compelling story. According to the 2022 UMass Donahue Institute workforce study commissioned by the Chamber, transportation emerged as one of the top barriers preventing full workforce participation in North Central Massachusetts. The study found that while public transportation exists in the region, it faces significant limitations: the commuter rail is designed primarily to bring workers from North Central Massachusetts into Boston rather than around the region, and while the Montachusett Area Transit Authority (MART) provides essential fixed-route bus services throughout the region, the challenge is often the “last mile” connectivity between transit stops and workplaces. The study noted that “getting from commuter rail through the ‘last mile’ to their workplace is a challenge for workers in the area unless their employer happens to be along an existing route.”
“Using public transportation for commuting outside of Leominster, Fitchburg, and Ayer is not a viable option for job seekers,” the study noted, identifying this as a critical impediment to regional economic growth. The research specifically recommended developing a TMA for the North Central Massachusetts Region as a strategic solution to these transportation challenges.

TMAs are membership-based, public-private partnerships that bring together employers, property owners, institutions, and municipalities to provide and promote transportation options for commuters. Think of them as regional cooperatives focused on solving practical business challenges through innovative transportation solutions.
TMAs complement—rather than compete with—existing public transit systems. While MART provides essential fixed-route bus services, the TMA will focus on more flexible, targeted solutions, such as shared shuttle services, and employer-specific transportation programs that can fill gaps in the existing transit network.
Bruno Fisher, administrator, MART, sees the TMA as a valuable partner in expanding regional mobility options. “MART is excited to be working collaboratively with the North Central Massachusetts Rides TMA and the diverse group of stakeholders the association is building. Our fixed-route services provide the backbone of public transportation in the region, but we recognize businesses and workers have diverse transportation requiring flexible solutions to supplement the services provided by MART. The TMA’s ability to provide targeted shuttle services and micro-transit options will complement our larger bus network perfectly by providing access to businesses outside the fixed route network and creating a more comprehensive transportation system that serves everyone better.”
Neil Angus, director of the Devens Enterprise Commission and a founding TMA member, sees the initiative building on proven success. “The Devens Shuttle we launched in 2017 in partnership with MART proved municipal-employer partnerships for transportation solutions can work. The Fitchburg Line Working Group has also worked to greatly improve MBTA commuter rail services in our region. The TMA takes this collaborative model region-wide, connecting municipalities, residents and employment centers across North Central Massachusetts. What we learned—that businesses collaborating with local, regional, and state government can solve challenges no single employer can tackle alone—is now scaling across North Central Massachusetts.”
TMAs have proven successful across Massachusetts, in places like the Route 128 corridor, the Middlesex 3 area, and in Greater Boston and Cambridge. They typically offer tools to facilitate carpools and vanpool formation, an emergency ride home program that guarantees alternative transportation for employees who commute via a shared transportation, shuttle services to fill critical transportation gaps, and transit planning and promotion to maximize use of existing public transportation.

The formation of our TMA didn’t happen overnight. It emerged from extensive community engagement led by the Health Equity Partnership of North Central Massachusetts (CHNA9) through their Anchor Collaborative initiative. This collaborative process involved healthcare providers, educational institutions, major employers, government offices, and transportation authorities across our region.
“Transportation has been consistently identified as a key contributor to health disparities in every Community Health Assessment process in our region since at least 2014,” explains Chelsey Patriss, executive director, CHNA9/Health Equity Partnership of North Central Massachusetts. “Through the Anchor Collaborative, we brought together institutions that employ thousands of people and serve even more residents to address this fundamental barrier to economic opportunity and health access. The TMA represents the practical, business-focused solution that emerged from this collaborative assessment.”
The initiative also aligns with the Chamber’s “One North Central” regional economic development plan, which identified transportation infrastructure as critical for regional growth, business attraction, and workforce development.
This initiative reflects the Chamber’s commitment to addressing real barriers facing members and the broader business community. Throughout the collaborative development process, the Chamber maintained a seat at the table, working alongside members and regional stakeholders to explore the formation of this innovative solution. Building on this commitment to regional leadership, the Chamber has agreed to serve as the host organization for the TMA, providing administrative infrastructure while the TMA operates as an independent affiliate with its own board, budget, and governance structure.
“This TMA initiative represents exactly the kind of innovative, collaborative approach our region needs,” said Roy Nascimento, president and CEO, North Central Massachusetts Chamber of Commerce. “We understand transportation challenges limit our businesses’ access to talent and our workers’ access to opportunity. By hosting this TMA as an affiliate organization, the Chamber maintains its leadership role in exploring the development of practical solutions to shared challenges. This isn’t just about transportation—it’s about strengthening our economic competitiveness and creating positive conditions for business growth.”
The TMA’s founding members represent a cross-section of our region’s major employers and institutions, each bringing unique perspectives and employee populations to the collaborative effort.

The TMA benefits from professional management by TransAction Associates, a Massachusetts-based firm with over 33 years of experience in transportation program management and TMA operations. Michele Brooks, director of consulting, TransAction Associates, brings deep expertise to the North Central Massachusetts region.
“TMAs work because they create economies of scale and shared resources individual employers couldn’t achieve alone,” Brooks explains. “In North Central Massachusetts, we’re seeing exactly the kind of collaborative spirit that makes TMAs successful. The region’s employers understand transportation challenges affect everyone, and they’re willing to work together on solutions. Rural TMAs face unique challenges due to geography and lower population density, but they also have opportunities to be innovative and responsive to specific community needs.”
For Chamber members, TMA participation offers tangible benefits that directly impact business operations:
Cost Savings: Shared transportation resources reduce individual company investment in employee transportation while creating efficiencies to lower overall transportation-related costs.
Improved Recruitment and Retention: Enhanced transportation options expand the geographic area from which businesses can recruit talent, while employee satisfaction with commute options improves retention rates.
Reduced Absenteeism: Reliable transportation alternatives reduce weather-related and vehicle-related absences, improving operational consistency.
Environmental Benefits: Coordinated transportation initiatives help businesses meet sustainability goals and potentially qualify for environmental incentives.
Regional Economic Development: Improved transportation connectivity makes the entire region more attractive to new businesses and residents, creating a rising tide that lifts all regional enterprises.
Rozanna Penney, president and CEO, Heywood Healthcare and a founding member of the TMA, sees the program as essential for both workforce recruitment and patient access. “Healthcare is one of our region’s largest employment sectors, but we’re also acutely aware of how transportation barriers affect our patients’ ability to access care and our employees’ ability to get to work reliably. With 1,700 employees, we understand transportation solutions benefit not just our workforce, but the entire community we serve.”

The TMA operates on its own membership and fee-for-service model, separate from Chamber membership, designed to be accessible to businesses of all sizes while ensuring sustainable operations. Membership dues are structured based on organization’s type and size, with different levels for employers, property owners, residential properties, and municipalities. This business-led investment model ensures all members have a voice in TMA governance—every member organization has the opportunity to designate a representative to serve on the TMA’s board of directors, keeping control firmly in the hands of the business community.
Tricia Pistone, AVP of external affairs at HealthAlliance-Clinton Hospital and chair of the TMA’s founding board, emphasizes the collaborative vision driving this initiative. “As healthcare providers, we see firsthand how transportation barriers impact not just our workforce, but the health outcomes of our community. Taking on the board chair role represents HealthAlliance’s commitment to being part of the solution. This TMA brings together the collective strength of our region’s major employers to tackle a challenge none of us could solve alone. By pooling our resources and expertise, we’re creating sustainable transportation solutions that will benefit our employees, our patients, and ultimately strengthen the economic vitality of North Central Massachusetts.”
In addition to founding member commitments from the private sector, the TMA has received an $85,000 grant from MassDOT’s TMA Assistance Program to help establish operations. The TMA’s initial year will focus on getting the organization up and running and establishing core services, including implementing a ridesharing and trip planning platform, an emergency ride home program, and marketing initiatives. Ongoing collaboration with MART will also expand awareness and utilization of existing transportation options. Future programming may include shuttle services to fill identified gaps, expanded vanpool coordination, and specialized transportation solutions for shift workers and off-hours employment.
Jason Zelesky, vice president of student affairs and dean of students, Mount Wachusett Community College and a founding TMA member, emphasizes the connection between transportation and educational opportunity. “Our students often face significant challenges getting to campus and to work-study opportunities. Many are balancing education with employment, and reliable transportation is critical for their success. The TMA will help our students access not just education, but the career opportunities that follow graduation.”

Unlike traditional public transit systems that rely heavily on government funding, the TMA model creates sustainable financing through member investment, grant funding, and potential fee-for-service revenue. This reduced reliance on government funding also makes the TMA more flexible and responsive to market conditions and the specific needs of participating employers and workers. The organization has already secured preliminary member commitments of $30,000, in addition to the MassDOT grant.
“Transportation equity isn’t just a social good—it’s an economic necessity,” notes Nascimento. “When people can’t get to work, businesses can’t find workers. When patients can’t access healthcare, the overall health of those in our community suffers. The TMA addresses these equity concerns while strengthening our regional economy.”
The TMA is exploring additional funding opportunities to help employers with transportation solutions and is looking to recruit more members who face transportation challenges and would benefit from a collaborative solution.
Chamber members interested in joining the TMA can contact Michele Brooks at TransAction Associates for information about joining the TMA and requirements. The TMA operates as a separate organization with its own board, budget, and finances, while benefiting from Chamber administrative support and regional connections.
“The TMA represents the kind of innovative, collaborative solution our region needs to compete in today’s economy,” concludes Patriss. “By working together, we can create transportation solutions that no single employer could achieve alone, while building an infrastructure for future economic growth.”
For more information about TMA membership opportunities, contact Michele Brooks at TransAction Associates or visit the Chamber website at www.NorthCentralMass.com .
The North Central Massachusetts Rides Transportation Management Association operates as an affiliate of the North Central Massachusetts Chamber of Commerce. TMA membership is separate from Chamber membership and operates under its own governance structure and fee schedule.
North Central Massachusetts | Central Massachusetts | Massachusetts | Chamber of Commerce | North Central Massachusetts Chamber | Chamber of Commerce Membership | Chamber of Commerce Member Benefits | Chamber of Commerce near me | Blog
In today’s increasingly eco-conscious world, businesses that marry innovation with environmental responsibility are carving a vital path forward. One such trailblazer is Tough Stuff Recycling, a young yet dynamic company that has quickly emerged as a leader in the specialized recycling industry. Founded in 2022, this Fitchburg, Massachusetts-based operation is already making a significant impact across the Northeast by tackling one of the most overlooked areas in waste management: the recycling of mattresses, box springs, electronic waste, and bulky furniture items.
Tough Stuff Recycling was established with a clear mission—to provide environmentally responsible solutions for hard-to-recycle materials. Over the past three years, the company has grown steadily, building relationships with municipalities, commercial waste haulers, hospitality businesses, universities, and major retailers. What sets Tough Stuff apart is its unwavering focus on reclaiming valuable materials that often end up in landfills. Through its advanced recycling systems, the company extracts foam, steel, textiles, and wood, helping reduce landfill dependency and supporting a broader shift toward a circular economy. This innovative model not only diverts thousands of pounds of waste from disposal but also contributes to sustainable material recovery and reuse.
At the heart of Tough Stuff Recycling’s operations is a state-of-the-art recycling facility located in Fitchburg, a strategically chosen site that underscores the company’s commitment to regional economic development and environmental stewardship. The facility features cutting-edge technology designed specifically to handle complex materials, with processes that are continually refined to achieve higher efficiency and material recovery rates. The company’s services are designed for convenience as well as impact. Customers can choose between curbside pickup and drop-off services, both aimed at making mattress and furniture recycling accessible to households and businesses alike. These flexible options demonstrate the company’s dedication to both service and sustainability.
One of the hallmarks of Tough Stuff Recycling is its investment in innovation. The company stands out for its automated, high-throughput processing systems, including the first-of-its-kind machinery specifically developed for recycling pocket coil mattresses. This innovation alone has helped reclaim over 25 million pounds of steel from used mattresses—an achievement that showcases the scale of their environmental impact. With a forward-thinking mindset, the company is already integrating technologies such as artificial intelligence and automation to further streamline operations. These systems help sort and process materials more efficiently while lowering the company’s overall carbon footprint.
Inside the facility and beyond, Tough Stuff Recycling boasts a workplace culture rooted in passion, responsibility, and impact. The team is described as hardworking and mission-driven, unified by the goal of making tangible environmental improvements. According to spokesperson Mary Horsman, the company seeks employees who are “motivated, dependable, and driven to make a real environmental impact.” This values-based hiring approach has helped cultivate a strong internal culture that aligns with the company’s broader sustainability goals. Equally important is the company’s connection to its community, particularly North Central Massachusetts. “Fitchburg offers a strong sense of community and a strategic location for logistics,” Horsman notes. The region’s business-friendly environment and workforce have played a key role in Tough Stuff’s early success, providing a fertile ground for growth and collaboration.
Tough Stuff Recycling doesn’t limit its environmental mission to its own operations—it’s also an active advocate for progressive recycling policies at the state and regional levels. The company is a member of organizations like MassRecycle and regularly engages in public education and policy development, especially around Extended Producer Responsibility (EPR) legislation. Through these partnerships, Tough Stuff contributes to the shaping of sustainable waste management practices. The company frequently collaborates with government agencies, industry associations, and fellow recyclers to promote smart, scalable solutions that protect the environment while supporting economic growth.
As a proud member of the North Central Massachusetts Chamber of Commerce, Tough Stuff Recycling actively participates in efforts to boost local economies and foster regional development. “The Chamber’s mission mirrors our own,” says Horsman. “It’s about creating and sustaining meaningful relationships between businesses and the community.” Through the Chamber, the company accesses professional development programs, networking opportunities, and a powerful platform for legislative advocacy. These resources are vital as the company looks to expand its services and continue driving innovation in the recycling space.
Despite being a relatively new player, Tough Stuff Recycling is already looking toward the future with ambitious goals. With the infrastructure, talent, and partnerships in place, the company is poised to scale operations throughout the Northeast, bringing its environmentally responsible solutions to a broader array of communities. The demand for mattress and bulky item recycling is only expected to grow in the coming years, especially as more states and municipalities adopt EPR mandates and implement stricter landfill regulations. Tough Stuff is well-positioned to meet this demand, thanks to its deep expertise, high-performance facility, and proactive engagement with policy and industry leaders.
In just a few short years, Tough Stuff Recycling has transformed from a local operation into a multi-state service provider, operating successfully in both regulated and free-market environments. This rapid growth is a testament to the company’s adaptability and focus on quality. A standout achievement—recycling more than 25 million pounds of pocket coils—not only highlights the technical sophistication of Tough Stuff’s operations but also reflects the leadership of its visionary CEO, who pioneered the very system that made it possible.
To promote its services, Tough Stuff Recycling relies on strategic partnerships with associations and coalitions that span the recycling and hospitality industries. Organizations like MassRecycle, New Hampshire Recycles, and the Northeast Recycling Council help connect the company with municipalities and commercial entities that can benefit from their services. This network-based approach has proven to be highly effective, enabling Tough Stuff to grow its visibility while aligning with like-minded partners who share their commitment to sustainability. Tough Stuff Recycling is more than just a business—it’s a mission-driven organization reshaping how we think about waste, sustainability, and community engagement. With a foundation built on innovation, a commitment to environmental responsibility, and strong local roots, this Fitchburg-based company is proving that tackling the “tough stuff” is not only possible but also essential for a cleaner, greener future. As the world grapples with mounting waste and limited landfill space, companies like Tough Stuff Recycling show that practical solutions are already within reach—solutions that protect the planet, empower communities, and drive economic progress.
For more details, visit: www.toughstuffrecycling.com.
North Central Massachusetts | Central Massachusetts | Massachusetts | Chamber of Commerce | North Central Massachusetts Chamber | Chamber of Commerce Membership | Chamber of Commerce Member Benefits | Chamber of Commerce near me | Blog
In a partnership with the Massachusetts Office of Business Development (MOBD), MassDevelopment, and MassHire, the North Central Massachusetts Chamber of Commerce will be hosting state economic development officials for one-on-one appointments with local developers, manufacturers, and business owners. The meetings are an opportunity to discuss any specific matters related to their business or the expansion of their business, as well as to review state resources available to support business growth and expansion.
Kevin Kuros, Central Massachusetts Director for MOBD; Rob Anderson, Senior Vice President of MassDevelopment; Chuck Merrill, Senior Loan Officer for MassDevelopment; and Scott Percifull, Program Coordinator for MassHire, will be available at the Chamber office by appointment on Wednesday, September 24, between 10:00 a.m. and 12:00 p.m. The appointments are in thirty-minute increments and are first-come, first-served. The meetings are free and confidential, available on a non-discriminatory basis, and are handicapped accessible.
MOBD is the state’s economic development office and manages the Economic Development Incentive Program (EDIP), which provides tax credits for qualifying business expansion projects. In addition, MOBD directors are navigators in the state’s new Business Front Door portal, through which businesses can manage their interactions with state agencies and related quasi-public agencies. MOBD is also the home of the Massachusetts Center for Employee Ownership (MassCEO), which provides resources and information for businesses exploring employee ownership models, often as a succession planning strategy.
MassDevelopment, the state’s development finance agency and land bank, works with businesses, nonprofits, banks, and communities to stimulate economic growth across the Commonwealth. During FY2023, MassDevelopment financed or managed 545 projects generating investment of more than $2 billion in the Massachusetts economy. These projects are estimated to create or support 10,522 jobs and build or preserve 1,583 housing units. MassDevelopment has a variety of financing programs to address the needs of small businesses, from equipment to real estate to working capital.
MassHire Rapid Response coordinates state and federal resources for businesses, offering a single point of contact to multiple programs. The MassHire Rapid Response team provides layoff prevention, early intervention re-employment, layoff management, and outplacement services to companies and their employees. Additionally, we offer employment and training resources, including assistance with recruitment, hiring, and tax credit programs.
To schedule an appointment, contact Sandie Cataldo, Senior Economic Development Manager at the North Central Massachusetts Chamber of Commerce at 978.353.7600 ext. 232 or via email at .
North Central Massachusetts | Chamber of Commerce | Chamber of Commerce near me | Economic Development | Business Development | Business Loans | Business Technical Assistance | Small Business Loans | Small Business Technical Assistance | Business Development Corporation | Business Resources | Microloan Lender | Massachusetts Business |Expand Business | Supporting Businesses
Join us as we celebrate 50 incredible years of learning, laughter, and community at Busy Bees Preschool Center Inc. For half a century, Busy Bees has been a cornerstone of early childhood education and family support in Fitchburg and now it’s time to celebrate this remarkable journey!
Friday, September 26, 2025
5:00 PM – 7:00 PM
3 Harugari Street, Fitchburg, MA 01420
RSVP: Please email Ms. Maria at
This special evening will include a ribbon-cutting ceremony, opportunities for alumni to contribute to a time capsule, and plenty of time to connect with current families, past students, and community partners who’ve been part of the Busy Bees family over the decades.
Whether you’re a longtime friend of the school or discovering Busy Bees for the first time, we’d love to see you there to help us honor this major milestone.
Come celebrate 50 years of impact, growth, and buzzing with love! 
Insurance losses due to reviver statutes for legacy abuse claims, social inflation and nuclear verdicts are driving up liability insurance rates. Some underwriting executives including those at Hub International have posited that reducing policy limits saves money and can make nonprofits less attractive targets for the plaintiffs’ bar — but choosing the right level of insurance protection requires a deeper analysis.
When plaintiffs’ attorneys prosecute abuse and molestation cases, one of the first lines of questioning typically involves the target’s insurance protection: What type of policy and how much will it cover? Many attorneys take a pragmatic “grab-and-go” approach by demanding policy limits, collecting those sums and moving on to new opportunities rather than face a jury trial. In such instances, low insurance limits may discourage aggressive, protracted litigation.
However, limited insurance protection won’t immunize an organization for an egregious case of willful, wanton misconduct — such as serial abuse or vehicular manslaughter by an impaired driver. Juries won’t tolerate wanton negligence and won’t stop at an organization’s insurance limits when awarding financial damages. The bankruptcies of multiple Roman Catholic dioceses and the Boy Scouts of America illustrate the perils of inadequate insurance protection.
Use Data Analytics to Determine the Correct Insurance Mix
Weighing the benefits of lower liability limits against maintaining potentially insufficient coverage if a calamitous event occurs requires a deep dive into an organization’s net assets, annual revenues, location and relative prominence. While many organizations look to benchmarking data as a barometer, this is a flawed approach because finding “comparable” nonprofits is subjective. Do you benchmark organizations by Standard Industrial Classification (SIC)? By revenues or net assets? Headcount? Location?
Even if the benchmarking sources use a credible pool of organizations sharing similar characteristics, are the decisions made by those nonprofits necessarily appropriate for the organization seeking insurance guidance?
A better approach is to take an inwardly focused look at the organization’s metrics. A nonprofit can use analytics modeling tools to examine its own claims history and financials, and run thousands of loss simulations against a robust industry database of benchmark incidents. These Monte Carlo simulations will generate a wide range of potential situations, outcomes and probabilities, quantifying the organization’s projected loss frequency and severity from those events.
This data equips the nonprofit with information it needs to select an optimal insurance structure and yields objective recommendations for risk management and a defensible basis for insurance decisions.
Calibrating your insurance limits in today’s dynamic legal environment doesn’t have to be a guessing game. A skilled risk advisor can be a valuable resource to stretch your insurance dollars and fortify protection where it’s needed most.
Learn More
Mediation Services of North Central MA, Inc. is excited to host a Virtual Round Table bringing together local non-profit and public service professionals for an hour of genuine conversation, idea exchange, and meaningful connection. This event is designed with you in mind whether you’re a community leader, a nonprofit program manager, or someone working on the front lines of public service. In today’s fast-paced and often isolated work environments, it is important to take time to connect with peers, share insights, and support one another’s missions.
When the workday ends and the lights go down, Custom Cleaning Service of Peabody, Inc. gets to work. “We operate as our clients’ silent partner after business hours,” says Adam Paicos, of Templeton, who now serves as Director of Operations and oversees the company’s expansion into North Central MA. “We are not often seen, but we ensure facilities are clean, secure, and ready for business each day while serving as the eyes and ears for our clients when they are not on site.”
Discover local business stories through our Inside North Central Massachusetts Podcast series. Listen as Chamber members share their journeys, insights, and contributions to our thriving regional business community.
Looking for your next opportunity? Explore current job openings from employers across North Central Massachusetts on our Jobs Board. Whether you’re starting a new career or making a change, you’ll find a variety of local positions available to help you take the next step.
CapEx Facility Services & Construction · Leominster, MA
TaraVista Behavioral Health Center · Harvard, MA
DRS Power Technology, Inc. · Fitchburg, MA
AIS · Leominster, MA