On-line billing services and providing information in the field of customer billing; computer software and services for the automation of sales, product management and servicing of insurance products; computer services, namely, developing and hosting software applications for others for use in the insurance industry for the automation and administration of insurance policy sales and the automation of policy underwriting, claims adjudication and payment, billing and policy management, policy rating, policy issuance, workflow management and report generation; computer software for use in the insurance industry for insurance agency carrier management and automation, namely, automation and administration of policy sales, policy underwriting, claims adjudication and payment, billing and general management of insurance policies, insurance policy rating and issuance, workflow management, and report generation; computer services, namely, hosting, developing for others and providing temporary use of non-downloadable applications for use in the insurance industry for insurance agency carrier management and automation, namely, automation and administration of policy sales, policy underwriting, claims adjudication and payment, billing and general management of insurance policies, insurance policies, insurance policy rating and issuance, workflow management, and report generation; and providing temporary use of online non-downloadable software for use by insurance brokers and insurance carriers for the processing, issuance and management of insurance policies, and management of insurance policy information and insurance claims via the internet, and local, wide area and global communications networks