Innovative Risk Management is a boutique firm specializing in captive insurance solutions and specialty programs to help businesses meet the challenges and risks they face today. They have experts in these fields among their staff, including 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 administration services for insurance companies, public entities, self-insured organizations, captives, and specialty insurance programs.