Emerling Floss Murphy & Associates (EFMA) was established in July 2020, as the result of a merge of three prosperous Western New York insurance agencies combining to take their services to the next level. The three agencies bring a combined total of over 200 years of experience serving in the industry and over $50 million in yearly premium volume from commercial and individual accounts. All three agencies have a robust history through their founding members, including Norm and Nancy Emerling from the Emerling Agency, Senator Walter Floss from the Floss Agency, and Matthew J Murphy from Murphy Insurance Agency. All three agencies had continued success through their posterities, which included the late Paul Barone at the Emerling Agency, George Emerling, Scott Medole, and Mark Medole. Joseph Floss took over the reigns from Walter and became President of Floss Agency in 1987. Third generation owner of Murphy Insurance, Mary Murphy, was the daughter of the late Donald Murphy.