Construction

IRF Construction Group targets contractors who service residential and/or commercial customers (excludes professional liability).

This class includes:

Hospitality

IRF Hospitality Group targets businesses which provide lodging and support operations to customers other than boarding or rooming houses, seasonal risks, unusual sports facilities such as ski lifts, boat rentals, comedy clubs, catering facilities, dancing or night clubs.

This class includes:

Manufacturing

IRF Manufacturing Group targets customers who manufacture products for sale that do not involve hazardous materials or operations, and whose products are not used in or incorporated into end products utilized in motor vehicles, aircraft, spacecraft, military equipment or medical fields. Products Recall coverage is excluded.

This class includes:

Real Estate

IRF Real Estate Operations Group (excluding professional liability) targets Lessor's Risk Exposure.

This class includes:

Restaurant

IRF Restaurant Group targets operations where liquor sales do not exceed 50% of total sales, and there is no discos, night clubs, dancing, comedy clubs, national fast food franchise chains or catering facilities.

This class includes:

Retail

IRF Retail Group targets operations whose business provides products and/or service to consumers.

This class includes:

Service

IRF Service Group targets operations whose business provides services to consumers.

This class includes:

Wholesale

IRF Wholesale Group targets operations whose business provides goods and/or services to retail customers and does not contractually assume liability in whole or in part for the products it sells.

This class includes: