Commercial Business 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.

Featured Thought Leadership

Summer 2022 Market Brief

Find out about cybersecurity threats, industry updates, and more. Our industry specialists have worked together to create a broad strokes view of the marketplace alongside The Bonadio Group via the 2022 New York Contractors State of the Industry Study.​

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.


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


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


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
  • 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

Interested in the latest trends in the commercial insurance industry?

Review some of our team's latest thought leadership featured here for actionable insights.

Find out about cybersecurity threats, industry updates, and more.

Analyzing loss and claims data is a proactive way to manage your risk management program.

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. 

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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.