About Pierson and Smith - a division of First Niagara Risk Management, Inc

For over 60 years Pierson & Smith has combined experience, insight, and financial management to provide clients with a unique approach to designing, implementing, and servicing their commercial property, liability, personal insurance, and employee benefit plans.

Pierson & Smith, Inc. recently entered into an acquisition agreement with First Niagara Financial Group, Inc.’s insurance subsidiary, First Niagara Risk Management (FNRM). The Pierson & Smith management team and staff remains committed to servicing clients’ insurance needs from our office at 40 Richards Avenue in Norwalk.

As part of FNRM, Pierson & Smith clients will enjoy the resources of a top-40 U.S. insurance broker. FNRM is also a member of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) “Best Practices” Study Group. Only 224 independent agencies out of 27,000 throughout the U.S qualified for this honor.

We invite your inquiries into any of the following:

Insurance Brokerage

• Property: Commercial Buildings, Development Projects, Private Residences, Condominiums, Personal/Valuable Items
• Liability: Business Liability, Product Liability, Excess Liability, Professional Liability, Directors and Officers
• Workers Compensation, Statutory Disability
• Corporate or Individual Transportation: Automobile, Limousine, Trucking, Boats/Yachts, Aircraft
• Group Health: Dental, Life, Disability, Accident, Vision, Payroll Deduction and Wellness Programs
• Personal or Corporate Life Insurance, Disability, Annuities, Long Term Care

Consulting

• Program Evaluation, RFP Preparation, Risk and Loss Prevention Analysis
• Claim Analysis, Claim Audits, Claim Re-pricing
• Contract Analysis, Performance Guarantees, Collective Bargaining Advice
• Regulatory Compliance (OSHA, ERISA, COBRA, HIPAA, Fiduciary Liability, State Mandates, and SPD Review)
• Financial Analysis (Conventional Insurance, Self-Insurance, Retrospective Premium Arrangements, Offshore Captives, Benefit Contribution Strategies, and Stop Loss)
• Focus Group Surveys, Customized Benefit Communication Programs, On-site Meetings, Benefit Statements
• Benefit Benchmarking Studies (Industry, Region, Employer Size)

Third Party Administration

• COBRA (Notification, Enrollments, Terminations, Premium Collections)
• Full Benefit Plan (Enrollments, Changes, Terminations, Monthly Audits, Centralized Invoicing and Payments)
• Flexible Spending Accounts (Claim Adjudication, Payments, EOBs)

Our History

Our Clients