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About Us PIR was established in 1991 to fill a niche for firms needing Professional Liability coverage with the desire to obtain excellent service even when the firm paid a premium of less than $5K per year. In 1993 the Owner started working with IHOP franchise owners and developed a working relationship with many of the outstanding owners in Texas and has been their 'broker and risk manager' for over 24 years.  The agency has a retail division and wholesale division for 'environmental' insurance only.  We want to help the small agent that needs immediate quotes and is in need of a person that understands the coverage needed by his/her client.