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  • Industry Expertise

    Risk management solutions for your industry

    No matter what line of business you are in, there is no getting away from risk associated with daily operations. Our job is to help you control that risk. Because we know and understand your industry, we can help design insurance and risk management solutions that are tailored to your needs.
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    Helping you build and protect. Our construction and surety bonding services specialists have the expertise to respond to all the needs of your contracting business. To help you protect your operation, start with the solid foundation you need to grow your business.

    Construction Services Snapshot (PDF) »


    We assemble a team to meet your goals. Our manufacturing risk management services can help protect, insure and control loss and incidents. Through our consultative approach, we work with you to custom-tailor coverage to protect you and your enterprise.

    Manufacturing Services Snapshot (PDF) »


    Coverage and risk management solutions for non-profit and 501c3 organizations, structured with the intent of helping you serve more clients.

    Nonprofit Organizations Services Snapshot (PDF) »


    Serving you while you serve the public. It begins with understanding the needs of the public sector. We offer a full range of insurance and risk management services to government entities to meet these needs. From traditional insurance coverage to more specialized programs and consulting services, we can help.

    Public Entities Services Snapshot (PDF) »


    Helping you get back to what matters. Our risk management services for primary and secondary schools, as well as higher education institutions, are specifically designed to fulfil a wide range of risk management needs. With outstanding service and customized solutions, we can help create the best program for you, at the best value, so you can get back to doing what matters … educating our students.

    Schools and Education Services Snapshot (PDF) »

    Health Care

    Caring for you while you care for others. You spend so much time caring for the health of others, why not trust us to help care for your needs and ensure your organization is performing at its best? Our proactive risk management services will look out for your business while you manage the care of others.

    Health Care Services Snapshot (PDF) »

    Moving & Storage

    Keeping you moving. Life is a moving target, and so is your business. With a designated service unit to handle moving and storage, we can help ensure that your business and your clients have the right protection. We can deliver the right coverage and service so you can keep moving in the right direction.

    Commercial Real Estate

    Protecting your investments and your income. With our commercial real estate team, we can help make sure that your program responds to your expectations, from property damage to environmental risk and community associations.

    Commercial Real Estate Services Snapshot (PDF) »

    Financial Services

    Understanding your firm, your strategies and your structure.  We invest the time to understand the risk and insurance needs of the financial services industry to develop a personalized program for asset managers, hedge funds, private equity funds, investment funds and broker/dealers.

    Financial Services Snapshot (PDF) »

    Technology & Life Sciences

    You work on the cutting edge of innovation. We work with you to manage the risk from the unique exposures you face while operating in the fast-paced world of new technology. With innovation comes risk and for those in BioTech, MedTech or Pharmaceuticals, the needs of your risk management program should not overshadow your next great idea. Allow us to focus on your risk so you can focus on bringing your ideas to life.

    Technology Services Snapshot (PDF) »

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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