Business Details
50+ Years
experience
Emergency
services
Trusted Insurance Solutions in Cheektowaga, NY
Niagara National has been dedicated to providing comprehensive insurance solutions since 1972. Our experienced team of professionals works closely with clients to design tailored policies that address individual and business needs across auto, home, commercial, and recreational product coverage. We prioritize personalized service, leveraging partnerships with industry leaders like Envision Benefits Group to deliver competitive pricing and innovative risk management strategies.Our commitment to client satisfaction is reflected in specialized programs for industries ranging from healthcare to technology, alongside 24/7 claims support. With a focus on community and long-term relationships, we combine local expertise with nationwide resources to protect our clients' futures through customized insurance solutions.
Services
Auto Insurance
Home Insurance
Business Insurance
Recreational Products
Employee Benefits
Umbrella Insurance
NY Defensive Driving Course
Details
- Year established: 1972
Highlights and features
- We offer 50+ years of experience in comprehensive insurance solutions since 1972
- Our team provides tailored policies for unique individual and business needs
- We maintain 24/7 claims support for emergency assistance
- Our partnerships include Envision Benefits Group for enhanced employee benefits programs
- We serve 10+ specialized industries with customized insurance programs
Services
Auto Insurance
Our auto insurance policies provide comprehensive protection for drivers in New York State. Coverage options include liability, collision, comprehensive, uninsured motorist, and PIP protection with optional roadside assistance. Our experienced agents help clients customize policies to match vehicle types and driving records while offering premium reduction opportunities through defensive driving courses.
Home Insurance
Homeowners insurance solutions protect residential properties against structural damage, personal property loss, and liability claims. Policies include dwelling coverage, personal property protection, liability insurance, and additional living expenses coverage. Optional flood and earthquake endorsements are available for enhanced protection against natural disasters in New York State.
Business Insurance
Customized business insurance programs protect commercial operations across multiple industries. Coverage includes general liability, property insurance, workers' compensation, commercial auto, professional liability, and cyber liability policies. Specialized programs available for healthcare providers, construction firms, hospitality businesses, and technology companies operating in Western New York.
Recreational Products
Specialized insurance for recreational vehicles and equipment including RVs, boats, ATVs, snowmobiles, and motorcycles. Policies cover physical damage, liability, theft, and towing assistance. Available for both new and classic recreational vehicles with flexible coverage options tailored to usage patterns and storage conditions in New York State.
Employee Benefits
Comprehensive employee benefits packages designed to attract and retain talent for businesses in Cheektowaga. Partnerships with Envision Benefits Group provide access to health insurance, life/disability coverage, flexible spending accounts, and HR/payroll services. Customizable solutions for companies of all sizes with bundled discount opportunities.
People
James Kuryak
CEO / Principal
James Kuryak leads Niagara National with decades of insurance industry experience. He oversees strategic operations and maintains client relationships while ensuring the company's commitment to personalized service and comprehensive coverage solutions for Western New York residents and businesses.
Marcia Brogan
Sales Executive
Marcia Brogan specializes in personal and commercial insurance solutions with extensive knowledge of New York State coverage requirements. She works directly with clients to develop customized protection plans while maintaining a focus on risk management and customer satisfaction.
Steve Smalter
Sales Executive
Steve Smalter provides expert insurance guidance for both individual and business clients. With deep understanding of local market conditions, he helps policyholders navigate coverage options while implementing strategies to reduce insurance costs through available discounts and risk mitigation techniques.
Ryan Petrie
Sales Executive
Ryan Petrie focuses on delivering tailored insurance solutions for homeowners and automobile owners across Western New York. He specializes in explaining complex policy details in accessible terms while ensuring clients receive appropriate coverage levels at competitive rates.
Joanne Spano
Sales Executive
Joanne Spano serves as a trusted advisor for clients seeking personal insurance protection. She emphasizes clear communication and thorough policy explanations while helping individuals and families secure comprehensive coverage that adapts to changing life circumstances and asset portfolios.
Questions
What auto insurance discounts are available?
We offer multiple discounts including defensive driving course completion, multi-policy bundling, and safe driving rewards. Paying premiums in full and increasing deductibles can also reduce costs.
How does business interruption insurance work?
Business interruption insurance covers lost income during unexpected operational shutdowns from covered events. It helps maintain cash flow for payroll, rent, and other expenses during recovery periods.
Do you offer home-based business coverage?
Yes, we provide specialized policies for home-based businesses covering business property, liability risks, and equipment used for commercial purposes in residential settings.
What recreational vehicles do you insure?
We cover RVs, boats, ATVs, snowmobiles, motorcycles, golf carts, and other recreational vehicles. Coverage includes physical damage protection, liability insurance, and roadside assistance options.
How can I reduce my insurance premiums?
Premiums can be reduced through bundling policies, increasing deductibles, maintaining claims-free history, installing safety features, and completing approved driver education courses like NY State Defensive Driving.
What employee benefits services are available?
We offer health, dental, vision, life, and disability insurance programs. Partnering with Envision Benefits Group provides access to HR consulting, payroll services, and comprehensive benefits administration solutions.
