Irm Habitational Program

preferred habitational program: this program concentrates on preferred apartment accounts that are less than 20 years old or have been renovated in the past ten years. owner-occupied condominiums and townhouse associations may be written, provided they meet underwriting standards. all accounts generally must be written as a package policy. we provide a wide array of enhancements that are specific to this class of business. in addition, crime coverage, hired/non-owned auto, and employee benefits liability can be included in the package. umbrella coverage is available in conjunction with this program with a $25,000,000 limit. second tier habitational program: this program concentrates on apartments, condos & townhouses that do not fit the criteria for our preferred program. the target market is habitational accounts commonly referred to as “b” class accounts. please send submissions to programsplus@innovative-risk.com