Joe Floss

As former President of Floss Agency, Inc. and now partner at Emerling Floss Murphy & Associaties, Joe brings over 40 years of insurance and financial service experience to the company.  Additionally, he is the owner of JMF Properties LLC.  Having earned the distinct Certified Insurance Counselor (CIC) designation, Floss continues his professional dedication by updating his insurance knowledge every year to stay up to date and informed about the latest insurance products, forms, procedures and services. As an Investment Advisor Representative with Cadaret Grant, Floss also provides financial service products along with group benefits products and services.

Joseph Floss is a life-long resident of The Town of Clarence. He is active in several community and civic organizations including:  The Rotary Club of Clarence (Past President); Clarence Chamber of Commerce; Chaplain at the East Amherst Volunteer Fire Department; Past Committeeman and Treasurer of the Clarence GOP Committee; etc. He received a BS in Management from Canisius College and is also a graduate of UB’s Center for Entrepreneurial Leadership Program where he has served a term on the CELAA Board. Floss resides in Clarence Center with his wife Debbie. He is a member of St. Mary’s Roman Catholic Church in Swormville.

BS Management, Canisius College

Certified Insurance Counselor

University at Buffalo CEL Core Program

  • 2001 Graduate
    • Mentor/Reactor Annually
    • Alumni Association
      • Past Board Member

Notary Public
Licensed Insurance Agent

  • NY, FL, TN & TX

NY Licensed Life & Health Agent
Licensed Property & Casualty Broker

  • NY, FL, TN & TX

Series 6,63 Investment Advisor

  • Representative – Cadaret Grant
    • NY, OH, CA & FL

Commercial Insurance

Worker’s Compensation

401k & 403b

Employee Benefits
Auto and Home Insurance
Life Insurance
Long Term Care Insurance
Disability Insurance
Investment Portfolios

Past IIABNY PAC Committee Chairman
Chautauqua Patrons Insurance Association
Past Agent Advisory Member
Independent Insurance Agents and Brokers Association of Western New York Member

  • Past President 2001 – 2002

Insurance Club of Buffalo

  • Past President 2012-2013
  • Past President 2007 – 2008

Merchants Insurance Company

  • Past Chairman, Agents Advisory Co-Chair Group

Society of Certified Insurance Counselors – Member
NYS Association of Fire Chaplins – Member
Member Vistage TA 1405 Group