Commercial Insurance

Safeguard the assets, employees and reputation of your business.

We Listen. We Customize. We Care.

To protect a business, you need to understand it from all sides. That’s why our goal is to know your organization as well as you do, and create a plan that offers the unique coverage, benefits and support it needs to thrive.

Resources & Insights

4th Quarter Insurance Market Brief

The insurance market is hardening, resulting in premium rate increases and tighter underwriting standards. M&T Insurance’s Market Brief looks at what that means and the trends driving the need for increased rate.
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Resources & Insights

P&C Market Firms in Response to Growing Claims and Economic Uncertainty

In the property & casualty insurance industry, price, terms and conditions as well as the availability of coverage and capacity are all impacted by fluctuations between soft and hard markets. As of Q3 2020, the business insurance market had been considered soft for nearly 15 years but is now trending towards a hard market.
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Resources & Insights

Cyber Risk : What You Should Know During COVID-19 and Beyond

In just a few months, COVID-19 has fundamentally reshaped the business and risk landscape, and cyber risk is no exception. The following will touch on the “what” and “why” of that change and provide insight on mitigating risk.
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Why M&T Insurance Agency is right for your business.

We help businesses mitigate risk and focus on future prosperity. Our experienced team is ready to listen to your needs and provide sound, efficient solutions.

customized solutions


As your broker, we will work with you to create tailored coverage and benefit solutions from leading insurance companies.

comprehensive process


Our comprehensive risk management review is designed to prepare your business for whatever the future holds.

experienced professionals


You'll receive personal attention from experienced and knowledgeable risk management professionals based in your community.


Tailored to your needs.

We Listen. We Customize. We Care.

Our experienced professionals work closely with you to identify the unique needs of your business, then create and implement a customized solution through our network of leading carriers.

Let us use our knowledge and experience to help build a top-to-bottom insurance program that helps cover all your needs. 

  • Comprehensive property and casualty solutions (or programs)
  • Access to major insurance companies and specialty markets
  • In-house risk control team to manage loss prevention tactics


Benefit from tailored solutions designed to help meet the needs of both your organization and your employees. 

  • Fully insured and self-funded benefits programs
  • Total program analytics and underwriting services
  • Targeted communication solutions to drive population wellness



Consult with our experienced team on innovative products that can help your business cap costs and transfer liability. 

  • Implementation of Captive Programs designed to retain risk
  • Traditionally used for Workers Compensation, General Liability, Auto Liability and physical damage
  • Ongoing review and analysis of programs


Allow our surety professionals to find creative surety solutions for your business or project. 

  • Commercial and Construction Surety Bonding
  • Complete financial analysis, including indemnity guarantees
  • Competitive bond rates and terms


Turn to our experienced insurance professionals for full-service solutions including loss control and claims management. 

  • Risk evaluation, analysis and benchmarking
  • Complex claims consultation and coverage dispute advocacy
  • Strategic claims reviews

our process


Understanding all sides of your business.


We work to understand your business at every level, from your real property to your employment practices. We'll assess your current insurance coverage - and your insurers themselves - to help ensure all risks are being considered.


Once we've defined your risk management and insurance objectives, we'll work with vendors to identify cost-effective insurance solutions that offer the protection and benefits based on your company needs. Our team will meet with you personally to present options and make a recommendation.


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.

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.