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  • Captive Insurance

    Control your dollars. Make sense of your insurance

    Group captive insurance programs were created for “best in class” businesses to find adequate insurance programs that were responsive to their business necessities, at a more affordable cost.
  • The primary goal of these business owners working with First Niagara Captive Group is to increase their buying power and allow the member companies the many advantages of control afforded to only the largest of companies. Member-owned group captives working with the First Niagara Captive Group receive high quality insurance protection for their non-related members. By bonding together to create a true sharing of risk, the member can control their insurance costs and avoid the volatility of the general insurance industry.

    Additional benefits are created through the increased assurance of coverage stability, the stabilization of premiums, including the improved management of risk through effective safety and loss control processes.

    The bottom line philosophy of member-owned group captives is that “insurance is a manageable cost” and, through ownership as a captive member, business owners can take control of their insurance destiny.

    Please contact us to learn more about our programs.

  • Send us an email
    or call us at 1-888-428-2401
    Weekdays: 8 a.m. - 4:30 p.m.

Risk management and insurance products are offered through First Niagara Risk Management, Inc., 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.


INVESTMENTS AND INSURANCE: Are not deposits • Are not FDIC insured • Are not guaranteed by the Bank • Are not insured by any Federal Government Agency • May go down in value  


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