Alternative Risk Programs

When traditional insurance is not the best option, the M&T Insurance Agency team can work with you to build a customized program and help you proactively manage risk.

Contact an Insurance Specialist >

Finding it difficult to obtain insurance? Our team can help.  

M&T Insurance Agency, Inc. offers a combination of products, services and experience to help you obtain insurance solutions to manage your costs and risk.

​​​Range of Options 

We provide the following alternative risk options:

  • Captives
  • Group insurance
  • Risk retention options
  • Self-insurance
  • Retrospective rated
  • Large deductible
  • Self-insured retentions

​​Potential Benefits

While each case is different, the benefits that these products can offer include:

  • Long-term stability and control
  • Potential cost savings
  • Improved coverage and limits
  • Enhanced claims mana​​gement and loss control
  • Cash flow advantages
  • Direct access to the reinsurance market

​Our Process  

Our complimentary Alternative Risk Due Diligence Review process involves three important stages:

  1. Needs assessment. Conduct a review of your current coverage, risks and goals to determine the types of insurance coverage that are most appropriate for your company's needs
  2. Program design. Leverage our relationships with a variety of insurance companies to help you identify the best combination of coverage and cost
  3. Recommendation. Present our findings to you and make​ recommendations for your insurance program​

Once your program is in place, M&T Insurance Agency remains actively involved with you to help you manage all of your coverage and administrative needs.

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.