First Niagara Risk Management, Inc.
Key Insurance & Benefits Services, Inc. offers commercial insurance, captive insurance, employee benefits, personal insurance and third-party administration services. KIB professionals partner with clients to create customized risk solutions that reduce loss and financial risk and improve clients’ bottom line. KIB operates in seven offices in Connecticut, New York and Pennsylvania. Insurance services, benefits consulting services and insurance products are offered through Key Insurance & Benefits Services, Inc. (“KIB”), which is 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. KIB and KeyBank are separate entities, and when you purchase risk management services, business consulting services or insurance products you are doing business with KIB, and not KeyBank.