Charles R. Rice is currently a Vice President of First Niagara Risk Management. He joined his father in the insurance business as a salesman and purchased the family agency in 1974. Chuck brought Rice & Company to First Niagara Risk Management (formerly Warren-Hoffman) in 1995.

Chuck specializes in commercial insurance for large accounts. He also works in the specialty areas of professional sports, ice and roller skating rinks and family fun centers.

Joan manages First Niagara Risk Management's Specialty Division called Rice Specialty Risk. Rice Specialty Risk was created in 1995 to more effectively serve our sports- related clients. Joan is dedicated to solving the insurance issues of her specialty clients by constantly searching for and providing the best coverage alternatives available in today's marketplace. She has over 10 years experience in the industry, including training in the specialty areas.

Jackie is well versed in all aspects of commercial insurance, with her primary focus being Large and Specialty Accounts and the rink programs. She is available to assist you with questions, changes in coverage or problems you may experience with your insurance program.

Marge is responsible for handling all Commercial General Liability claims. She will assist you with each step of the claim process from the initial report to staying in contact with the insurance company to make sure your claim is handled in a manner that meets our high standards. Marge is well trained in the specialized handling of sports-related claims, and works as a liaison with the insurance companies to ensure fair, prompt, and proper settlements.

Connie is responsible for handling all Commercial Property claims. Connie is also well trained in the specialized handling of sports-related claims, and works as a liaison with the insurance companies to ensure fair, prompt, and proper settlements.

Maryann is responsible for handling all other claims and is a very efficient and dependable back-up to Marge and Connie.