Erie and Niagara Insurance Association is a small and progressive insurance agency. The company offers a variety of insurance products to standard homeowners, farm owners, business owners and special multi-peril policies. Its services include insurance policies and products for artisans, antique and restaurant insurance, student housing insurance, vendor insurance, bed and breakfast and seasonal insurance, inland marine insurance, landlord insurance, mobile home insurance, fire insurance and farm umbrella insurance. The company has grown through the appointment of independent agents, expanded coverage to policyholders, the introduction of reinsurance and the company s capacity to write larger accounts, mergers and technology. Founded in 1875 by a small number of farmers, Erie and Niagara Insurance Association maintains offices in Williamsville, N.Y.