S.J. Markham & Son, Inc. is a family owned and operated agency that has always been based in downtown Fitchburg, MA. Stephen James (SJ) Markham worked in the insurance industry for some time before deciding to take the leap and start his own company. This was nearly 100 years ago during the Industrial Revolution when Fitchburg was a mill town. We have records of SJ working since at least January of 1918: The very first entry in a ledger we've found was for a claim likely caused by an overheated boiler on January 1, 1918. The agency was officially incorporated in 1919.