HR@hand is offered through bswift, a third-party vendor of First Niagara Benefits Consulting. Such vendor is not affiliated with First Niagara Benefits Consulting, First Niagara Risk Management, Inc. or First Niagara Bank, N.A.
Risk management, benefits consulting services and insurance products are offered through First Niagara Risk Management, Inc., doing business as First Niagara Benefits Consulting, a wholly-owned subsidiary of First Niagara Bank, N.A., and a licensed insurance broker and agent. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.