Financial risk management consultation; Consulting and information concerning insurance; Insurance services in the nature of loss control and claims management for others; Insurance agency; Insurance brokerage services in the field of commercial insurance, property and casualty, bonds, professional liability, life insurance, employees practices liability; Insurance brokerage services in the field of management liability (such as employment practices liability insurance, director's and officer's insurance, fiduciary liability and crime insurance), and personal lines of insurance, and administration of employee benefit plans concerning insurance and finance; Professional Employer Organization (PEO) insurance brokerage services; and underwriting insurance for commercial, employee benefit plans and personal lines of insurance