IRM was formed in 1991 as a full-service risk management, insurance program development and administration company. IRM assists agents, brokers and their clients in designing solutions for the business risks they face utilizing innovative risk management techniques. Our core business is insurance program development and management and our staff includes experts in the fields of risk financing, underwriting, reinsurance, loss control, claims administration, information technology and policy administration. IRM is at the forefront in the development and management of alternative risk programs and is recognized as one of the top program managers in the country. Programs include captive insurance programs, self-insurance programs, risk retention groups and specialty insurance programs. IRM also provides unbundled loss control and claims administrative services for insurance companies, public entities, self-insured organizations, captives and specialty insurance programs. At Innovative Risk Management we provide Solutions through Innovation.