First Niagara Risk Management specializes in servicing the needs of self-insureds and the insurance industry in the handling of their Workers' Compensation claims. Operating under well board license #1048, as well as the New York State Department of Insurance License #1-A-704933. First Niagara Risk Management offers these services:

• Administration of Workers' Compensation and New York State Disability Programs on behalf of self-insured employers.
• Investigation of factual circumstances to determine compensability.
• Activity checks.
• Dependency checks and reports.
• Surveillance.
• Audits and reserve analysis.
• Preparation of filing annual S1 forms on behalf of self-insureds.
• 15-8 Investigations.
• Attendance at pre-trial hearings with Special Funds on 15-8 and 25-A matters.

We call your attention to the expertise and depth of our staff in our Workers' Compensation division, which totals 20 professionals. If you have a problem in the handling of your Workers' Compensation matters, we can solve it for you.

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.