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  • Risk Management

    Powerful resources to improve your bottom line.

    Control the cost of risk through loss control, claims administration and consulting, and Business Works — our Preferred Provider Organization (PPO) for Workers’ Compensation available to employers in specific counties of New York state.

    Learn how we can help get results for you and your employees.
  • Loss Control

    Business has risk. Control your exposure. Reduce costs, increase efficiency and improve satisfaction with client-focused services. Committed to the success of your business, look to us for a diverse range of cost-effective services that provide you with the skills and tools you need to excel in the area of risk control.
  • Third Party Claims Administration

    Manage costs. Protect your assets. Our Third Party Administration (TPA) service helps make it possible to achieve those goals. Get results, convenience, consistent communication, quality work, and the latest technology when you entrust your company’s claim administration to us. You can count on our expertise to handle your claims from start to finish.
  • Claims Consulting

    Manage claim costs better. Benefit from our strategies to help you make sure your claims are being handled effectively and efficiently through claims audit practices. Our job is to make your job easier when it comes to claims consulting for Workers’ Compensation and Property and Casualty. Let us develop a plan that best suits your needs and keeps you informed of the status of your claim every step of the way.
  • Business Works

    Having an employee get sick or injured on the job is just the beginning of your Workers’ Compensation challenges. With Business Works our Workers’ Compensation Preferred Provider Organization (PPO), we can help you better manage your compensation costs, control claims, reduce litigation expenses and get your employees the care they need.

    Business Works is a managed care health benefits plan that focuses on getting your employees back to work with in-network health care providers, resulting in lower payments for your company’s compensation benefits. Business Works is available to New York state employers in the counties of Monroe, Ontario, Livingston, Erie, Niagara, Seneca, Cayuga and Oswego.

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.



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