• 24-hour contact.
• Acknowledgement with reserves, within 48 hours from assignment.
• On-site inspections, with detailed measurements and photos.
• Written estimates of damages so you may deal directly with policyholders, contractors or public adjusters.
• Signed statements, when necessary.
• Examination before trial.
• Business interruption.
• Flood losses.

Administration of Fire - Allied Lines Programs on behalf of self-insured employers and municipalities throughout New York State.

Property damage appraisals are offered for first party losses entailing damage to building, dwellings and contents.

Investigation of theft and V&MM losses includes signed statements, policy activity reports, photos, on-site investigations and verifications of ownership and values.

Working with the insured as well as local merchants, jewelers and furriers.

Our handling of inland marine losses encompasses all aspects of essential investigation and the establishment of proper valves.

First Niagara Risk Management assures prompt, courteous contact; full investigation of the circumstances surrounding the occurrence and comprehensive timely reporting - all pointed toward an early adjustment and closing.

Insurance products are not deposits, are not insured by the FDIC or any Federal government agency and are not obligations of or guaranteed by First Niagara Bank or any other member of the First Niagara Financial Group. The obtaining of insurance through any member of the First Niagara Financial Group will not have any bearing on any existing or future transaction or relationship with First Niagara Bank or any other member of the First Niagara Financial Group. Members of the First Niagara Financial Group do not offer tax advice. Please consult a tax advisor.