Author Archives: Norah Hogan

EMS Group Insurance Agencies Recognized as Top Performer by Michigan Millers

EMS Group Insurance Agencies has been named a 2025 Preferred Partner by Michigan Millers Insurance, placing the agency in the top 15% of partners nationwide. This recognition highlights EMS Group’s outstanding performance in key areas including Direct Written Premium (DWP), new business development, and overall profitability.

To receive the Preferred Partner designation, agencies must meet or exceed specific benchmarks related to production volume and loss ratio standards. EMS Group’s continued excellence in these areas reflects its dedication to client service, smart growth, and long-term stability.

Michigan Millers Insurance, a regional commercial and specialty insurance provider operating in Michigan, New York, and Minnesota, has been part of the Western National Insurance Group since 2015. The company exclusively partners with independent agencies and writes over $1 billion in premium annually.

EMS Group Insurance Agencies is part of a larger regional network that includes Emerling Floss Murphy & Associates, the Stahlka Agency, and McMahon Agency, Inc. The group provides comprehensive insurance services to individuals and businesses across Western New York.

This recognition from Michigan Millers underscores EMS Group’s commitment to excellence, both in performance and in serving the needs of the communities it supports.

Emerling Floss Murphy & Associates is proud to welcome Donald Minderler as our new Controller. A graduate of Saint Joseph’s University with a degree in Business Administration, Donald majored in Finance and minored in Risk Management and Insurance.

Before joining EFM&A in April 2025, Donald spent four years at Parco Building Systems, blending financial expertise with hands-on experience in construction management and the concrete trade. A lifelong Lockport native and son of founding partner Mary Murphy, Donald brings both family legacy and a fresh, solutions-driven perspective to the agency.

A Century of Service: Honoring 100 Years of the Murphy Legacy

In 1925, after returning home from war, Matthew J. Murphy founded the Murphy Insurance Agency from his home at 142 West Avenue in Lockport. Built on the values of integrity and community involvement, the agency quickly became a trusted name in local insurance.

When Matthew passed unexpectedly in 1951, his wife, Mary F. Murphy, defied expectations by stepping in to lead the agency—a remarkable feat at a time when female leadership in business was rare. Her perseverance and strength laid the foundation for future generations.

Their son, Don Murphy, joined the agency full-time in 1954 after his service in the Korean War and earning his insurance license through night classes. Under Don’s leadership, the agency moved locations to accommodate growth, eventually settling at 111 Pine Street in 1979, one of Lockport’s oldest homes.

In 1984, the third generation joined when Mary F. Murphy, Don’s daughter, entered the business. By 1998, she became the sole owner, continuing the Murphy family’s commitment to service, resilience, and community ties.

In 2020, Murphy Insurance proudly merged with the Emerling and Floss Agencies to become Emerling Floss Murphy & Associates (EFM&A)—a partnership built on shared values and a dedication to clients.

Today, as we mark 100 years, we honor the legacy of three generations and thank our clients, partners, and community for their trust and support. Here’s to the next century of service and strength.

Emerling Floss Murphy & Associates is excited to introduce Sara Jaszka as our new Business Development Associate. With over 20 years in insurance and risk management, Sara has held key roles at Lawley, Vanner Associates, SDN, and McGowan & Associates, building a reputation for strong client relationships and strategic planning.

A licensed Property & Casualty professional for more than 15 years, Sara is dedicated to helping clients protect what matters most. A lifelong Lancaster resident, she’s a proud wife of over 20 years and mom to two boys. In her free time, she enjoys baking, cooking, and entertaining family and friends.

We’re proud to welcome Alyssa Fursman to Emerling Floss Murphy & Associates. Alyssa joined in April 2025 with a strong background in customer service, wellness, and client engagement. Her previous experience at Medical Answering Services and as a personal trainer honed her ability to stay calm under pressure, communicate clearly, and connect meaningfully with clients.

Originally from Dryden and now living in Tonawanda, Alyssa brings a positive, client-first attitude that aligns perfectly with EFM&A’s values. Outside of work, she shares workout inspiration on social media, enjoys time with her two dogs, and relaxes with her tuxedo cat, Pixie.

Strengthening Financial Services: EMS Wealth Joins Forces with First Aurora

Emerling Floss Murphy & Associates is proud to announce the official June 2025 merger of EMS Wealth Management with First Aurora Financial Group, a valued affiliate based in East Aurora. This strategic union enhances our ability to provide full-spectrum financial services across Western New York.

With more than ten experienced advisors, First Aurora brings expanded resources and a strong reputation for client-focused service. The firm specializes in personal financial planning, retirement strategies, estate planning, and insurance solutions—making it a powerful addition to EFM&A’s growing financial platform.

This merger ensures greater service continuity, broader expertise, and a stronger foundation for helping clients—from individuals to business owners—plan confidently for the future. Together, we are even better equipped to help clients define their goals, navigate complex decisions, and build lasting financial security.

EFM&A remains committed to delivering the expert guidance and trusted relationships that have defined our legacy.

Celebrating Scott Medole: 2025 Volunteer of the Year

EFM&A is proud to celebrate Scott Medole, Partner at EFM&A, who has been named 2025 Volunteer of the Year by the Clarence Chamber of Commerce. This recognition honors Scott’s decades of service and deep commitment to the Clarence community.

A Clarence resident since 1976, Scott has been a dedicated member of the Harris Hill Volunteer Fire Company for over 40 years, where he currently serves as co-Chaplain. His involvement spans across many local organizations, including the Clarence Chamber of Commerce, local credit unions, and various community events—all with the goal of supporting local businesses and families.

Scott also gives his time as a hospitality minister at Nativity of the Blessed Virgin Mary Church and as a ride medic for cycling events throughout the region. Beyond his volunteer work, Scott enjoys biking, hiking, skiing, pickleball, and spending time with his children, Amanda and Austin.

He will be honored at the 52nd Annual Clarence Chamber Awards Gala on Thursday, March 20th at Samuel’s Grand Manor. Please join us in congratulating Scott on this well-deserved honor and thanking him for his incredible impact on our community.

We’re thrilled to welcome Rachel McArdle to EFM&A as an Insurance Broker. Rachel joined us in November 2024, bringing over 30 years of Property & Casualty insurance experience to the team.

Rachel began her career at the Bruce Lucsok Insurance Agency, where she served clients for 29 years. She continued her successful track record with Amherst Insurance after the agency’s acquisition, always maintaining a reputation for professionalism, client care, and industry knowledge.

Outside the office, Rachel is a dedicated athlete who enjoys running, hiking, and competing in triathlons—a testament to her drive and commitment both personally and professionally.

We’re excited to have Rachel on board and know her experience and passion for service will be a great asset to our clients and team.

EFM&A is proud to welcome Chelsea Craddock to our growing team. Chelsea joined us in December 2024, bringing over seven years of experience in personal lines insurance from her work with InsureOne/Bower Insurance and GEICO.

A graduate of SUNY Brockport with a degree in journalism, Chelsea brings excellent communication skills and a client-first mindset to her role. Her ability to deliver personalized insurance solutions makes her a perfect fit for our team.

A dedicated lifelong learner, Chelsea is currently pursuing her Notary Public certification—and even learning Welsh in her spare time. Outside the office, she enjoys knitting, watching classic black-and-white films, and spending time with her two cats, Diggs and Peanut.

We’re excited to have Chelsea on board and look forward to the energy and expertise she brings to EFM&A!

Did You Know? Key Facts About Natural Disaster Insurance

Many homeowners assume their standard insurance covers all types of disasters—but that’s not the case. Natural disasters like floods, earthquakes, and wildfires often require separate insurance policies or endorsements.

Despite the growing frequency and severity of these events, less than half of all natural disaster losses are currently insured. In fact, in the 1980s, only about a quarter of such losses had coverage—and we’ve only made modest progress since.

North America, including Central America and the Caribbean, experiences more natural disaster losses than any other region in the world. And floods remain the most common—and most expensive—natural disasters in the United States.

The takeaway? Don’t assume you’re covered. Talk to your account manager to make sure you have the right protection in place for where you live and the risks you face.