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.

P&A Group, nestled in the heart of Buffalo, NY, boasts a robust and expansive office that stands out as a major player in the local insurance brokerage scene. With a focus on serving both local and regional employers, this larger office brings a wealth of expertise in crafting comprehensive benefit packages tailored to the unique needs of businesses. Specializing in medical and ancillary benefits, P&A Group's prowess extends across diverse industries, including support activities for air transportation, religious organizations, grantmaking entities, civic groups, professional services, and similar organizations. Their impressive clientele includes industry leaders such as Aero Instruments and Avionics, a support activities powerhouse with over 70 participants; New York State United, a prominent player in the religious, grantmaking, civic, and professional sector with a staggering 9040+ participants; and P&A Administrative Services, a key player in professional, scientific, and technical services with 130+ participants. Part of a local brokerage firm, P&A Group demonstrates a proven track record of working seamlessly with midsize and small employers. Their comprehensive understanding of various industries and commitment to tailoring solutions positions them as a valuable partner for employers seeking expert guidance in navigating the complex landscape of employee benefits.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

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.

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.

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.

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.

Conquer Stop Loss, headquartered in the heart of Buffalo, NY, is a trusted ally for businesses seeking comprehensive employee benefits solutions. With a dedicated team focused on understanding the unique needs of each client, Conquer Stop Loss goes above and beyond to craft tailored benefits packages that prioritize both employee well-being and bottom-line savings. Their expertise extends to a diverse range of industries, including notable clients like DAVIS FURNITURE INDUSTRIES, INC. Through strategic partnerships and a commitment to staying ahead of industry trends, Conquer Stop Loss empowers businesses to navigate the complexities of employee benefits with confidence and ease. With their personalized approach and unwavering dedication to client satisfaction, it's no wonder why businesses across Buffalo and beyond turn to Conquer Stop Loss for all their employee benefits needs.

3DATX Corporation is a Buffalo, NY based company that manufactures next generation emissions measurement technologies for the transportation and power generation markets. We manufacture a range of accurate, low-cost, and ultra light-weight portable emissions measurement systems (PEMS) that make field testing, industry and academic research, and regulatory compliance screening practical on a mass scale. A significant advantage of the 3DATX iPEMS (integrated Portable Emissions Measurement System) design is the Modular Sensor Cartridge design. The 3DATX parSYNC® is the only Particulate Measurement unit in the industry with commercially available field calibration capabilities (e.g. CA/GE™ System). Our unique miniaturized multi-chamber and replaceable sensor cartridges provide its user the capability to hot-swap while in the field. This eliminates down time and provides significant advantage to the number of tests that can be completed each day.

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.