Providing temporary use of on-line non-downloadable software to authorized independent agents, policyholders and the general public for use in processing insurance transactions and responding to customer and agent inquiries, featuring printing options for printing insurance transactions; Providing on-line non-downloadable software for use by policy holders to create personal accounts on a web site for purposes of processing personal transactions in the field of property and casualty insurance; Software as a service (SAAS) services featuring software for use by authorized independent insurance agents to create secure accounts on a web site for purposes of accessing data, processing and managing transactions, and creating reports, all in the field of property and casualty insurance