EMS Group

What EMS Group does

EMS Group is an independent insurance agency consortium formed in 1995, headquartered in Depew, New York. It operates as an umbrella organization comprising three member agencies — Emerling Floss Murphy & Associates (with branches in Clarence and Lockport), McMahon Agency, Inc. (Depew), and Stahlka Agency, Inc. (Williamsville) — collectively serving Buffalo and Western New York. The group markets property, casualty, life insurance, and financial services products to individual and business clients, leveraging its multi-agency structure to strengthen carrier partnerships and deliver competitive pricing.

The business model is commission-based: EMS Group acts as an intermediary between insurance carriers and end customers, earning commissions on policies sold across its three agencies. Distribution is conducted through direct, in-person and phone-based sales at four branch locations across Western New York. Pricing is quote-based and determined by individual carrier underwriting criteria rather than EMS Group's own pricing structures. The company employs 11-50 staff and maintains a modest digital presence via its website (emsinsurance.com) and the individual agency sites.

Technology infrastructure is minimal — the source data discloses no proprietary platforms, APIs, AI capabilities, or technology integrations. The company's value proposition centers on local market presence, multi-carrier access, and consolidated customer service across its three legacy agency brands. Ownership is privately held by member agency principals with no identified venture capital or private equity backing. There is no evidence of recent funding, acquisitions, product launches, or geographic expansion beyond the founding structure established in 1995.

Name

EMS Group

Legal name

EMS Insurance

Website

https://emsinsurance.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

EMS Group is an independent insurance agency consortium formed in 1995, uniting three agencies to provide property, casualty, life, and financial services products to individuals and businesses across Buffalo and Western New York.

Ownership category

akta.pro rank

Headquarters

HQ city

Depew

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Agency Commissions: EMS Group operates as an independent insurance agency earning commissions from insurance carriers. Revenue is generated through commissions on insurance policies sold to customers across property, casualty, life, and financial services products.

Distribution channels1 record

Marketing channels1 record

Core offering

EMS Group is an independent insurance agency network formed in 1995 that unites three member agencies—Emerling Floss Murphy & Associates, McMahon Agency, Inc., and Stahlka Agency, Inc.—to deliver personal and commercial property, casualty, and life insurance, along with financial services, to individuals and businesses in Buffalo and Western New York. The consortium model strengthens carrier partnerships and resources so the agencies can offer competitive pricing and consolidated customer service through a single point of access.

Product overview

EMS Group is an independent insurance agency formed in 1995, operating as an umbrella organization comprising three member agencies: Emerling Floss Murphy & Associates (EFM), McMahon Agency, Inc., and Stahlka Agency, Inc. The group serves Buffalo and Western New York by combining resources and carrier partnerships to provide competitive pricing and customer service for personal and commercial insurance clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal and Commercial Insurance (Emerling Floss Murphy & Associates / EFM) Insurance agency providing personal and commercial insurance products (property, casualty, life, and related lines) to individuals and businesses in the Clarence and Lockport areas of Western New York, accessed through the EMS Group consortium's carrier partnerships.
• Personal and Commercial Insurance (McMahon Agency, Inc.) Insurance agency offering personal and commercial insurance products to individuals and businesses in the Depew and Buffalo/Western New York region, leveraging the EMS Group consortium's collective carrier relationships.
• Personal and Commercial Insurance (Stahlka Agency, Inc.) Insurance agency providing personal and commercial insurance products to individuals and businesses in the Williamsville and Western New York area, drawing on the EMS Group consortium's collective carrier partnerships.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Emerling Floss Murphy & Associates (EFM)coreChannel Partner/ Reseller/ DistributorMember agency of EMS Group formed in 1995, serving Buffalo and Western New York with two locations in Clarence and Lockport. EFM represents one of the three consolidated agencies that collectively strengthen resources and carrier partnerships.
• McMahon Agency, Inc.coreChannel Partner/ Reseller/ DistributorMember agency of EMS Group serving the Depew, New York area. Part of the EMS Group consortium that provides competitive pricing and outstanding customer service through strengthened carrier partnerships.
• Stahlka Agency, Inc.coreChannel Partner/ Reseller/ DistributorMember agency of EMS Group serving the Williamsville, New York area. One of three agencies within the EMS Group consortium providing insurance services to Western New York.

Scale indicators2 records

Recent moves2 records

Expansion highlights1 record

Broad incumbents

• Acrisure: Acrisure is a top global insurance brokerage that has aggressively acquired hundreds of independent agencies like EMS Group to build scale. EMS Group faces direct competition for talent and as a potential acquisition target, and competes against Acrisure's regional offices in New York.
• Hub International: Hub International is a large North American insurance brokerage built largely through the roll-up of independent agencies, directly comparable to EMS Group's consortium model. Both operate multi-office regional structures in personal and commercial lines.
• Arthur J. Gallagher & Co. Gallagher is one of the largest insurance brokerage and risk management firms globally with significant Upstate New York presence. Its retail brokerage division competes for the same SMB and personal-line clients as EMS Group and acquires similar independent agencies.
• Brown & Brown, Inc. Brown & Brown is a publicly traded insurance brokerage built on a decentralized, agency-acquisition model targeting mid-market and personal clients, mirroring EMS Group's structure. It competes head-to-head in regional markets and as a strategic acquirer.
• World Insurance Associates: World Insurance Associates is a fast-growing insurance brokerage with personal and commercial lines across the Northeast, founded via roll-up of independent agencies. It is a direct competitive analog to EMS Group in regional footprint and product mix.
• USI Insurance Services: USI is a large commercial insurance brokerage with strong Upstate New York operations that competes for SMB and middle-market accounts via producer-driven service, the same model EMS Group relies on. It also acquires independent agencies in adjacent regions.

Direct peers

• Hilb Group: Hilb Group is a mid-market insurance brokerage that acquires and partners with independent agencies, retaining local brands — closely mirroring EMS Group's three-agency consortium model. Both focus on multi-state personal and commercial lines.
• Keystone Insurers Group: Keystone is a network of independent insurance agencies that pool resources and carrier relationships to compete with national brokerages — structurally analogous to EMS Group's consortium of three agencies. Like EMS Group, it serves regional personal and commercial markets.
• LeClerc Agency / Eastern Insurance Group: Eastern Insurance Group is a regional independent insurance agency serving personal and commercial clients across the Northeast, the same customer base and product mix as EMS Group. Both operate multi-office, independent-broker models with carrier partnerships.

Regional players

• Tompkins Insurance Agencies: Tompkins Insurance is a long-standing independent agency group serving Upstate and Western New York with multi-office branches. It competes with EMS Group for the same SMB and personal-line customers in Western NY.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat2 records

Key risks4 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mcmahon-agency-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EMS Group