insurance agency and brokerage services for individuals in the fields of property and casualty insurance; insurance agency and brokerage services for individuals in the fields of home insurance, automobile insurance, valuable articles insurance, watercraft insurance, motorcycle insurance, recreational vehicle insurance, excess liability and umbrella insurance, flood insurance, and life and disability insurance; insurance agency and brokerage services for businesses in the fields of commercial property insurance, liability insurance, commercial automobile insurance, employers liability insurance, excess liability insurance including automobile, liquor liability and primary liability policies, professional liability insurance, errors and omissions insurance, directors and officers liability insurance, employment practices liability insurance, surety bonds, fidelity bonds and cyber liability insurance including privacy, intellectual property infringement and payment transaction liability; providing insurance information and consultancy services; claims administration, processing and monitoring services for insurance; insurance loss prevention services; financial risk management consultation services