Computer software that provides web-based access to applications and services through a web operating system or portal interface; computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; computer software for accessing creating editing and managing on-line risk management and insurance databases and transferring data to and from databases; computer software for creating designing editing accessing and distributing reports based upon analyses of information contained within databases; computer software for aggregating classifying assigning tracking and reporting of risk control and loss mitigation recommendations extracted from engineering surveys and inspection reports; computer software for collecting third party certificates of insurance validating the accuracy of certificates of insurance monitoring the status of certificates of insurance and reporting compliance with contractual insurance and risk management requirements; computer software for requesting aggregating monitoring auditing and reporting insurance policy renewal values and exposure data; computer software for requesting processing issuing distributing and renewing certificates of insurance