We understand that service is the element that builds long-term trust with our clients. IIRM delivers experience, resources and a performance level that is both unique in the marketplace and reassuring to our clients.

Our expertise reaches across a multitude of industries. We work with rent-to-own organizations and companies to provide products for the unique needs of their businesses. We also have insurance programs for all types of hospitality establishments, including fine dining or casual restaurants, sports bars, lounges, hotels, motels, bar and grilles, fast food chains, pubs, sandwich shops, delis, bed and breakfasts, and caf├ęs.

In addition to commercial insurance, IIRM also serves individual needs, including general health and personal life insurance. To discuss your insurance needs, contact IIRM.

Commercial Insurance

We provide business insurance to both large and small corporations, public entities and institutions. From risk surveys, marketing recommendations and implementation to claim management, safety programs, and management studies, IIRM will provide your organization with the right protection program to conserve your assets and reduce your expenses.

Bond Examples:

  • Automobile
  • Boiler & Machinery
  • Fidelity
  • Crime
  • Directors & Officers Liability
  • Difference in Conditions Contracts
  • Fire
  • Marine
  • Glass
  • Signs
  • Contractors
  • Equipment
  • Umbrella Liability
  • Workers Compensation
  • Package Policies
  • Business Interruption
  • Specialty Programs

Surety Bonds & Financial Guarantees

We have the expertise and resources to provide guarantees that are often required of our clients by third parties. In securing surety bonds and financial guarantees, we enable our clients to expand their business and financial potential. Our longterm relationship with surety companies uniquely positions us to provide this specialized service, thus facilitating the growth potential of our clients.

Commercial Services:

  • Contract bonds - Bid & Performance
  • Compliance Bonds - City, State, Federal
  • Court Required Bonds - Guarantee-Appeal
  • License & Permit - All Types
  • ERISA Bonds
  • Maintenance Bonds
  • Subdivision Bonds

Employee Benefits

Working within an ever-changing climate of government regulations and industry advancement, we provide services to the business and institutional communities. We offer product designs and recommendations, which are implemented through carefully chosen insurance companies and administrators. These products provide ease of use and expense reduction for our corporate clients, while providing them with the necessary information to make intelligent decisions for the future.

Employee Benefit Services:

  1. Group Health
    • Traditional Fully Insured
    • Partial Self-Funded
    • Health Maintenance Organizations
    • Preferred Provider Organizations
    • Flexible Spending Accounts (Section 125)
    • Specific & Aggregate Stop-Loss Contracts
  2. Group Life
    • Voluntary Universal Life-Guaranteed Issue
    • Voluntary Term-Guaranteed Issue
  3. Short & Long Term Disability
  4. Group Dental
    • Fully Insured
    • Self-Funded
    • Dental Maintenance Organizations
  5. Prescription Drugs
    • Stand Alone
    • Self-Funded
  6. Pension & Profit Sharing
    • 401 (K) Plan
    • Defined Benefit Plans
    • Group Individual Retirement Accounts

Financial & Estate Conservation

Through the use of superior contract language and industry knowledge, IIRM provides products to commerce and industry, as well as to the individual. These products fit specific needs and integrate with overall financial planning in order to optimize your security and investment dollars.

Our tactical use of state-of-the-art planning provides our customers with prudent buying patterns to solve problems today and in the future.

Conservation Services:

  • Life Insurance
  • Payroll Deduction Life Insurance
  • Deferred Compensation - Corporate and Governmental
  • Buy-Sell Programs
  • Key Man Insurance
  • Disability Income
  • Business Continuation & Buy Out
  • Sports Accident Programs
  • Individual Health Insurance
  • Long Term Care (Nursing Homes)
  • Medicare Supplements

Personal Insurance

Personal assets conservation is a priority for you, which makes it a priority for us. The companies with which we place your business are selected to provide a variety of product lines, financial security, and service capabilities to provide you with peace of mind.

Conservation Services:

  • Automobile
  • Homeowners
  • Personal Umbrella
  • Recreational Vehicles
  • Boat Owners
  • Personal Articles Floaters
  • Life
  • Disability Income, Personal
  • Individual Retirement Accounts