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.

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.

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.