Property & Casualty Insurance

Your mission is to protect your balance sheet as well as your employees. We provide customized, cost-effective strategies by understanding all sides of your business.

We Listen. We Customize. We Care.

To protect a business, you need to understand what’s important. That’s why our experienced professionals work hard to get to know you and your company, to create a strategic plan that offers the insurance coverage and risk management services you need to thrive. Using our Due Diligence Review Process, we'll consult with you to recommend a custom insurance solution that provides appropriate coverage and helps you cost-effectively manage your risk. 

Resources & Insights

Insurance Market Brief Spring 2021

In our latest market brief, we discuss the impact to the market as the pandemic continues.
Read Article >
Resources & Insights

Six Ways to Decelerate Your Rising Commercial Insurance Costs

Analyzing loss and claims data is a proactive way to manage your risk management program.
Read Article >
Resources & Insights

Working from home exposes companies to new risks

When it comes to managing risk, you may need to consider potential new challenges.
Read Article >

Our Due Diligence Review Process


We work to understand your business at every level, from your properties to your employment practices. We’ll assess your current insurance coverage—and your insurers themselves—to determine whether all risks are being considered.


Once we’ve defined your liabilities, we’ll work with our partners to identify cost-effective insurance solutions that offer the protection and benefits based  on your company’s needs.


We will help your organization implement, manage and track the insurance solutions you’ve selected. As your business evolves over time, we’ll help you adjust your coverage to protect against any new risks.

We use our knowledge and experience to build a program that helps cover all your needs.

Property & Casualty Solutions

  •  Cyber insurance
  •  Captive solutions 
  •  Property insurance
  •  General liability insurance
  •  Automotive insurance
  •  Excess liability insurance
  •  Workers’ compensation
  •  Professional liability insurance
  •  Directors and officers insurance
  •  Employment practices insurance
  •  Fiduciary insurance
  •  Crime insurance
  •  Environmental insurance

​Strategic Risk Management

We also can work with your organization to plan, implement and maintain a strong risk management strategy – including safety and loss prevention solutions, program development and training, and claims management.

Client Connect Resources >

Access your customized portal for account resources and documents including your Account Management team and insurance company contact information. 

You can't predict the future, but we can help you prepare for it.

 Take control today with M&T Insurance Agency. 

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 products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.
The content of this page is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.