For more than a century, Tompkins Insurance Agencies has been helping families and businesses with insurance strategies and solutions to protect their assets and manage risk. Founded in 1875, we provide a full range of personal and commercial insurance and employee benefits products and services across New York and Pennsylvania. We have established strong relationships with 50+ leading regional and national insurance carriers, which enables us to find the right combination of coverages to meet our customers’ specific needs, at the right price. At the heart of our business is our commitment to our customers, our employees and the communities we serve. *Email and LinkedIn messaging can be useful tools for transmitting information of a general nature. However, since they are not generally not encrypted or secure, please remember not to disclose sensitive information such as account numbers or social security numbers in any emails, messages or wall posts. Tompkins Insurance shares insurance industry-related articles for informational purposes only. This information is not a policy and is meant only as a general explanation of some typical insurance concepts. It should not be construed as a legal interpretation of coverages or of the insurance policies that can be written for you. Please refer to your specific insurance contracts for details on coverages, conditions and exclusions, and check with your local Tompkins Insurance advisor for specific regulations in your state. Tompkins Insurance is licensed to conduct business in all 50 states.

Lawley is a privately-owned, independent regional insurance firm specializing in property, casualty and personal insurance, employee benefits and risk management consulting and ranked among the top 100 Largest Insurance Brokers in the U.S., according to Business Insurance magazine. Locations in NY, NJ & CT. For over 60 years, Lawley’s team of more than 400+ associates have developed customized property, casualty, surety and benefits insurance programs for businesses and municipalities of all sizes along with personalized protection for individuals and their families. Lawley is consistently recognized as one of the Best Places to Work by Buffalo Business First. Headquartered in Buffalo, NY, Lawley has branch offices across New York in Amherst, Batavia, Fredonia, Plainview, Purchase and Rochester along with Darien, Connecticut and Florham Park, New Jersey. To find out more, visit lawleyinsurance.com

WTW (formerly Liazon) operates the industry-leading private benefits exchanges for businesses across the U.S. Distributed under the brand name Bright Choices® as well as several privately-labeled brands, Liazon exchanges are online benefits stores that allow employees to personalize their benefits package with a selection of health, dental, vision, life, disability, and a host of other benefits from top national and regional providers. Liazon exchanges enable companies to achieve a benefits strategy that maximizes value for their benefits dollars and helps them attract and retain talent through high employee satisfaction and empowerment. Liazon was acquired by Towers Watson in 2013. Towers Watson is now WTW.

Premier Consulting Associates, located in Buffalo, NY, operates a substantial office, distinguishing itself as a prominent player in the insurance brokerage arena. With a notable focus on employer benefits, particularly in the medical and ancillary benefits realm, this larger office boasts a skilled team that brings extensive expertise to local and regional employers. Catering to a diverse range of industries, Premier Consulting Associates has successfully served notable clients such as Ivoclar Vivadent in the miscellaneous durable goods merchant wholesalers industry, Kenmore Teachers Association in the business, professional, labor, political, and similar organizations sector, and Samuel Son Union in the iron and steel mills and ferroalloy manufacturing field. These partnerships underscore the broker's proficiency in navigating diverse industries, including iron and steel mills and ferroalloy manufacturing, miscellaneous durable goods merchant wholesalers, and industrial machinery manufacturing. As a key player within a local brokerage firm, this Premier Consulting Associates location has proven experience working with midsize and large employers. Their demonstrated track record attests to their ability to tailor insurance solutions to the unique needs of businesses, fostering a reputation for reliability and expertise within the Buffalo, NY community.

Walsh Duffield is a fifth-generation family-owned insurance agency dedicated to helping individuals and businesses proactively manage their risk to remain safe and well. We do this by providing you with access to commercial insurance, group benefits, and personal insurance programs from the nation’s leading carriers. With locations in Buffalo, Medina and Rochester, NY, Walsh Duffield is a local agency with national resources and capabilities. The professionals at Walsh Duffield strive to guide and educate, providing the tools to help clients make the best decisions regarding their insurance and risk management programs and to help them achieve long term success.

Five Star Bank has grown and evolved in its more than 200-year history, but our focus on taking care of our customers and communities has never wavered. That’s because we understand that by keeping the people of Five Star’s well-being at the heart of everything we do, our team, our customers, and our communities will thrive and realize their dreams. Five Star Bank provides consumer and commercial banking and lending services to individuals, municipalities and businesses through more than 45 locations throughout Western and Central New York, in addition to a Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region. Five Star Bank and its affiliates SDN Insurance Agency, LLC and Courier Capital, LLC are subsidiaries of Financial Institutions, Inc. (NASDAQ:FISI), an innovative financial holding company with more than 650 employees who work together in an environment of trust, integrity and mutual respect.

Niagara National Insurance is an Independent Insurance Agency that was founded back in 1951. Since then, our agency has grown and now employs a professional staff of more than 30 insurance professionals. Through our network of affiliate insurance carriers, we are able to offer a broad selection of premium insurance coverages for both individuals and businesses, including employee benefits and retirement planning. Our agency also offers specialty insurance programs for colleges and universities, manufacturing companies, contractors, wineries and gourmet food companies, wholesale distributors, restaurants, social services, and day care facilities. As a Trusted Choice® agency, Niagara National is dedicated to you and is committed to treating you as a person, not a policy. All Trusted Choice agencies agree to adhere to a Pledge of Performance, designed to assure quality service, competitive pricing, a broad selection of insurance coverages, and valuable advocacy. In short, Niagara National Insurance has pledged to offer you the best service and the best insurance solutions to protect what you value most.

Ambulance reimbursement and compliance consulting, education and support services on the following: - Best practices in medical transportation revenue cycle management - Medicare & Medicaid compliance - Medicare & Medicaid managed care issues - Ambulance reimbursement integrity - Appeals Support - Ambulance claims auditing - Commercial account follow-up and appeals - Self pay account challenges Maggie Adams has over 20 years experience in the ambulance industry. For 13 years, she was the president of the only company in the country devoted exclusively to EMS patient account collections and insurance denial appeals. For 8 years, she was Page, Wolfberg & Wirth's senior consultant, a highly regarded presenter at their national ambulance billing conferences, and a key contributor in developing and delivering educational training sessions for the National Academy of Ambulance Coding. Throughout her career, Maggie has been a sought-after speaker. Known for her upbeat and positive personality, Maggie draws the attention of the entire audience as she provides practical solutions to problems faced by all ambulance providers and billing companies.

At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.

Employee Benefit Concepts, located in Buffalo, NY, is a reputable insurance broker specializing in providing comprehensive employer benefits solutions. With a strong focus on both medical and ancillary benefits, this office location of Employee Benefit Concepts is well-versed in meeting the unique needs of local and regional employers. One of their notable strengths lies in their deep expertise in serving businesses within the activities related to credit intermediation industry. They have successfully partnered with industry leaders like Capital Management Services LP, a prominent company based in New York, boasting a participant base of 330+. Employee Benefit Concepts has demonstrated their exceptional proficiency in addressing the specific requirements of businesses operating in this sector. As a part of a local brokerage firm, Employee Benefit Concepts has a deep-rooted understanding of the Buffalo, NY business landscape. This local insight enables them to offer tailored solutions that align with the region's economic dynamics and employer needs. In summary, Employee Benefit Concepts in Buffalo, NY, stands out for its specialized knowledge in medical and ancillary benefits, particularly within the activities related to credit intermediation industry. Their track record of serving top-tier clients like Capital Management Services LP underscores their commitment to delivering value-driven employer benefits solutions.

Vanner Insurance Agency LLC provides personal and commercial insurance, risk management solutions, employee benefits and customized financial services with emphasis and concentrated experience in the construction, manufacturing, marine, not for profit, jewelers block and transportation industry sectors. Since 1967, Vanner has grown based on a foundation of honesty and integrity to become one of the most respected insurance agencies in the region. We’ve fostered our success by focusing on client’s unique challenges, tailoring each individual program to minimize risk for businesses and families.