First Niagara Risk Management Inc. Named to the Insurance Journal's List of Top 100 Property/Casualty Independent Agencies

0 billion and deposits of $5.S.

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As Rick J. For more
information about the Prime companies, visit the newly redesigned
www.

Category is for insurance agents and marketers web sites in the United States which offer sports and leisure insurance only.

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, the insurance subsidiary of First Niagara Bank, was recently
named one of the Insurance Journal's 2005 Top 100 Property/Casualty
Independent Agencies in the United States . ("Prime") announced today that the new look and design
of its Web site, www. states and territories with its own capacity
and the remaining states with its authority from Lloyd's of London.

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The list was printed in the May 9 edition of Insurance
Journal's five regional print magazines.
"Independent agencies don't get enough credit for their success," said
Mark Wells, publisher of Insurance Journal ."
Through a careful and strategic process, First Niagara Risk Management has
built a network of locations which originated in Western New York and now stem
across the state with offices in Buffalo , Newfane, Rochester, Ithaca, Hudson
and Albany. The company, through its wholly owned subsidiary , First
Niagara Bank, has assets of approximately $8.

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Prime Holdings maintains a suite of excess and
surplus lines service organizations offering underwriting, risk
management, and claims services for agents, brokers, insureds, and
alternative markets throughout the United States, Canada, and the U.

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First Niagara Risk Management is part of First Niagara Financial Group,
Inc.



More than 2,500 producers use Prime's products as solutions for their
hard-to-place risks . Founded in 1992, Prime has formed strategic business
relationships with some of the world's most powerful insurance
companies including Lloyd's of London and General Cologne RE.com


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2
billion. First Niagara Bank is a full-service, community oriented bank that
provides financial services to individuals, families and businesses through
116 branches and several financial service subsidiaries across New York State.

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With about 60,000 privately held independent agencies and brokerages
nationwide, locating the most successful ones is a difficult job.
With anticipated revenues of $22 million in 2005 and 170 employees, the agency
has provided protection for tens of thousands of families and businesses since
1968. Lindsey, president and CEO, stated, "The full-service
model we have implemented at Prime for the excess and surplus market
allows us to provide assistance every step of the way with the
business we write -- from underwriting, through risk management and
into claims.

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First Niagara Risk Management provides insurance and risk management
services for businesses and individuals.com, is online today. Prime has met the
needs of its customers by providing a Web site with online information
about the company, our product lines, applications for quick and easy
quotes, claims and information about our other services.

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(Nasdaq: FNFG).

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Insurance Journal, a national property and casualty publication for
independent insurance agents and brokers , developed the list of the nation's
top retail agencies and brokerages based on estimated 2004 property casualty
premium volume.

Prime Insurance Announces New Web Site


Prime, an excess and surplus lines carrier, specializes in
Assisted Care Living Centers, Garage Services, Homeowners, Inland
Marine , Special Events, Liquor Liability, Recreational Centers,
General Liability, Contractors, Professional Liability and more.

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First Niagara Risk
Management also provides claims management services for clients who maintain
self insured workers compensation, general liability and disability plans.
Virgin Islands.

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com/100agencies.

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The full list can be found at
http://www. "This is our attempt to identify
the most successful agencies and give them the recognition they deserve. Our newly designed Web site saves time and resources and
makes the search for alternative and specialty risk insurance with
Prime easier than ever!"
The Prime Insurance Syndicate Inc.

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Products and services include
commercial and personal property and casualty insurance, surety bonds, life
insurance, employee benefits and financial services.
For more information, visit http://www.

Business Editors

SANDY, Utah----The Prime Insurance
Syndicate Inc.

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primeis. Clearly we
have focused on the needs of the customer in streamlining the process
to get hard-to-place specialty insurance coverage ., a Prime Holdings Insurance
Services company, is an excess and surplus lines insurance company
serving more than 41 U.

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com.

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LOCKPORT, N., First Niagara Risk
Management, Inc.insurancejournal.S.

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