Founded in 1903, Richardson and Stout is an insurance company that provides a range of financial services and products. The company offers business insurance services for automobiles, properties, general liabilities, workers' compensation, bonds and inland marine. Its business insurance providers include Zurich North America, Merchants Insurance Group, Philadelphia Insurance Companies, Chautauqua Patrons and Peerless Insurance. Richardson and Stout also offers a variety of risk management solutions. The company provides personal insurance coverage services for homeowners, home-based businesses, renters, umbrella liabilities and watercraft. Richardson and Stout maintains a location in Williamsville, N.Y.