First Niagara Risk Management

First Niagara Risk Management (FNRM) is one of the largest providers of risk financing and risk reduction services in the Northeast. As a full-service

As a full-service insurance brokerage, FNRM offers Property & Casualty, Health & Welfare and Personal Insurance products. FNRM assists clients with: •Alternative Risk Financing: Captives, Self Insurance •Surety Bonding •Executive Protection •Personal Insurance: High Net Worth Programs, Home, Auto •Claim Management & Loss Protection: Workers' Compensation Claim Consulting, Nurse Case Management, Loss Control •Health & Welfare: Plan Design, Medical Captives, Voluntary Benefits, Claims Analysis, Actuarial Services Additionally, FNRM has developed custom programs for many industries, including: Construction, Moving and Storage, Transportation, Not for Profit, Higher Education, Municipalities, Healthcare, and Technology. FNRM is a wholly owned subsidiary of First Niagara Bank.