Employee Benefits

FJM & Associates of Buffalo Inc. services over 700 Employer Groups representing nearly 10,000 clients and we understand that no two folks have exactly the same Insurance & Benefit needs.

That's why we utilize a Consultative Sales Approach which allows us to work For You and With You to create a customized program that is Relevant, Innovative and Cost Effective.

​Some of the many programs we offer are listed below.

Employee Benefit Offerings

Our seasoned team of insurance professionals combine the strength of nearly 100 years of accumulated industry experience. With the size, scope, and power of all the major carriers, we offer innovative and customized programs to all types of businesses with anywhere from 1 to 4000 employees.

Our corporate philosophy focuses on two key elements: 
  1. Utilizing a consultative selling approach to design relevant and responsive programs for our clients.
  2. Providing the proper education that will assist them in making informed decisions for themselves and their families.
We provide health insurance to individuals, small and large groups.  Show your employees you care about their health & wellness.
Ensure your employee's  are provided financial assistance in the event they are unable to work for a period of time due to illness, an accident, or injury.
Affordable, financial 'peace-of-mind' protection for your family and loved ones.
Make sure trips to the dentist and optometrist are covered.
This plan provides pre-arranged cash directly to you for Emergency Treatment, X-Rays, Initial Hospitalization, Hospital Confinement, Follow-Up Treatment, Broken, Dislocated or Fractured Bones, Physical Therapy, Accidental Death & Dismemberment and much more!
Do you know someone who has Cancer, Heart Disease, a Stroke, Kidney Failure, or even an Organ Transplant?  Would your finances survive a critical insurance?  Provide a lump-sum payment upon diagnosis.  Includes annual Wellness Check-UP Benefit for all insureds.
NYS Disability Insurance is mandatory per state law. Comparing rates is the best way to ensure you're keeping your costs to a minimum.  Let us help you.