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For many, insurance is merely a requirement for doing business. Something to protect if the worst should happen. But your insurance should mean more than that.

You need a broker looking to work by your side and make a positive impact on your business, while understanding your unique needs. Keeping your best interests in mind, we find not just any solution but the solutions to help your organization grow, avoid risk and be profitable.

Our consultative approach goes deeper than providing a list of insurance coverages you should buy. We align our goals to your goals; understand your risk profile to design a customized risk management program; and assess, measure, manage and monitor all aspects of your program in order to reduce your costs, improve your productivity, enhance your EBITDA and ownership valuation. By attacking the financial risk inside your business, we reveal wasted capital that instead can be used to strengthen your balance sheet and promote growth.

Risk Management Solutions

Powerful resources to improve your bottom line

More than a list of coverages, our team of skilled technicians looks beyond the basic insurance requirements for doing business. We focus on mitigating your risk – understanding your exposures; verifying the effectiveness of your existing coverage; and actively managing your internal safety, loss control and risk management procedures. Combining these proactive services with aggressive claims management techniques when an incident occurs results in a holistic strategy to reduce your overall total cost of risk.

Whether you need a loss control plan or coverage for your international operations, learn how we can help get results for you and your employees.

Business Works

Having an employee get sick or injured on the job is just the beginning of your Workers’ Compensation challenges. Business Works, our Workers’ Compensation Preferred Provider Organization (PPO), can help you better manage your compensation costs, control claims, reduce litigation expenses and get your employees the care they need.

Business Works is a managed care health benefits plan that focuses on getting your employees back to work with in-network healthcare providers, resulting in lower payments for your company’s compensation benefits. Business Works is available to New York state employers in the counties of Monroe, Ontario, Livingston, Erie, Niagara, Seneca, Cayuga and Oswego.

Captive Insurance

Group captive insurance programs were created for businesses to find insurance programs that were responsive to their business necessities, at a more affordable cost.

Learn more about Captive Insurance

Claims Consulting

Manage your claim costs better. Benefit from strategies to help you make sure your claims are being handled effectively and efficiently through claims audit practices. When it comes to claims consulting for Workers’ Compensation and Property and Casualty, let us develop a plan that best suits your needs and keeps you informed of the status of your claim every step of the way.

Global Capabilities

Feel confident in knowing that we have the commitment, knowledge, resources, and partnerships to back you. Our risk management services are wide ranging with the international knowledge you need, including: property, liability, marine, auto, kidnap and ransom, employers’ liability, political risk, workers’ compensation, health, life, disability, accident, pensions, terrorism, bonding, and directors and officers.

You can count on our dependable and knowledgeable client services to conduct business internationally, share experience and expertise, to help manage the challenges and risks of global engagements, and offer solutions that support your overseas business objectives.

Insurance Coverages

Risk is a part of business. We work by your side to evaluate and determine your insurance and risk management needs and provide tailored solutions that fit your business.

  • Property
  • Liability
  • Workers’ Compensation
  • Business Auto
  • Cyber
  • Management Liability
  • Professional Liability
  • Employment Practices Liability 
  • Crime
  • Directors & Officers (D&O)
  • Errors & Omissions (E&O)
  • Ocean Cargo
  • Inland Marine
  • Self Insurance
  • Contractor Wrap Ups
  • Surety
  • International/Global Risk Management
  • Fine Arts
  • Environmental
  • Political Risk

Loss Control

Business has risk. Control your exposure. Reduce costs, increase efficiency and improve satisfaction with client-focused services. Committed to the success of your business, look to us for a diverse range of cost-effective services that provide you with the skills and tools you need to excel in the area of risk control.

Third Party Claims Administration

Our Third Party Administration (TPA) service helps you manage costs and protect your assets. Get results, convenience, consistent communication, quality work, and the latest technology. You can count on our expertise to handle your claims from start to finish.

Industry Practices

No matter what line of business you are in, there is no getting away from risk associated with daily operations. Our job is to help you control that risk. Because we know and understand your industry, we can help design insurance and risk management solutions that are tailored to your needs.

Association Programs

We understand the intricacies that go into insuring specific industry groups so you can benefit from our Association Programs, including sports arenas, rinks, moving and storage, and tooling and machining businesses. We offer specialized coverage to meet your needs.

  • Sports Arena Insurance & Rinks Programs

    Insuring and protecting more than 300 rinks and arenas across the country, we understand the exposures your facility may face. With specialized coverage for general liability, workers’ compensation, primary participant liability, umbrella coverage, and property coverage, we can offer solutions that fit your facility’s unique insurance and risk management needs. View application and report forms for rink and sport facilities.

  • Moving & Storage

    There’s more to the moving and storage industry than transporting goods from point A to point B. Managing the risks to property and people is crucial. Proactively mitigate risk and control costs with a structured program.

  • Empire State Tooling & Machining Association

    If you are a machining, tooling or plastics shop in New York state, look to us for high-quality, low-cost Workers’ Compensation coverage. The Empire State Tooling & Machining Workers’ Compensation Program was established in 1998 to offer competitive, fully insured programs to metal working entities in the State.

  • Control System Integrators Association

    Insurance programs designed specifically for Control System Integrators of America (CSIA) members.

Commercial Real Estate

Protecting your investments and your income. With our commercial real estate team, we can help make sure that your program responds to your expectations, from property damage to environmental risk and community associations.

Construction & Surety

Helping you build and protect. Our construction and surety bonding services specialists have the expertise to respond to all the needs of your contracting business.

  • Surety Bonds

    A consultative advocate for your surety bond needs.

    On time and with the personal attention you deserve from professionals trusted by our clients and valued by our carriers, our surety team has the expertise to respond to the needs of contractors regardless of size, location or construction discipline.

    Our strong relationships with the country’s leading surety firms have earned us underwriting authority with major carriers, which we leverage to meet our clients’ needs. We provide guidance with balance sheet decisions and contractual risk transfer. We also perform thorough reviews and implement resolutions for surety bond and insurance specifications.


Our risk management services for primary and secondary schools, as well as higher education institutions, are specifically designed to fulfill a wide range of risk management needs. With outstanding service and customized solutions, we can help create the best program for you, at the best value, so you can get back to doing what matters--educating our students.

Financial Services

We understand the risk and insurance needs of the financial services industry, and develop personalized programs for asset managers, hedge funds, private equity funds, investment funds and broker/dealers.


You spend so much time caring for the health of others, trust us to help care for your needs and ensure your organization is performing at its best. Our proactive risk management services will look out for your business while you manage the care of others.


Our manufacturing risk management services can help protect, insure and control loss and incidents. Through our consultative approach, we work with you to custom-tailor coverage to protect you and your enterprise.

Moving & Storage

With a designated service unit to handle moving and storage, we can help ensure that your business and your clients have the right protection.

Public Entities

We offer a full range of insurance and risk management services to government entities to meet the needs of the public sector. From traditional insurance coverage to more specialized programs and consulting services, we can help.


With tighter resources trying to get more from less, non-profits can sometimes face an uphill battle. Our non-profit specialists are on a mission to help you with coverage and risk management solutions to improve your bottom line and free up precious resources.

Technology & Life Sciences

We work with you to manage the risk from the unique exposures you face while operating in the fast-paced world of new technology in BioTech, MedTech or Pharmaceuticals.

Online Tools

Knowledge Hub

Knowledge Hub is your one-stop portal for all your workplace needs. Designed to offer time-saving tools and resources that build convenience into managing work flows, whether you want to find the latest legislative news, learn more about creating a wellness program, access safety resources, or tap into industry peers to solve a tough HR issue.

Sign in to Knowledge Hub


On-demand access to RiskMaster® to process, manage and analyze claims and track incidents. RiskMaster® can help you evaluate injuries, control legal costs, identify potential fraud, automate policy administration, and much more. Sign up today to efficiently manage your claims and risk management services online.

Contact Us

Insurance Products offered are: Not FDIC-insured; not a deposit in, obligation of, nor insured by any federal government agency; not guaranteed or underwritten by the bank; not a condition to the provisions or terms of any banking service or activity.

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.

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