Commercial risk management in the nature of business risk management and business risk management consultation; Private risk management in the nature of business risk management and consultation; Employee benefits management in the nature of human resources analysis, management, and consultancy; Predictive modeling and forecasting of commercial risk in the nature of business risk forecasting

Insurance carrier services; Insurance agency and brokerage; Employee benefits management, namely, administration of employee benefit plans concerning insurance and finance; Insurance consulting in the field of health insurance, life insurance, insurance benefits plans, property and casualty insurance, and commercial property, casualty, cyber liability, executive liability, and mergers and acquisitions insurance; Insurance information and consultancy; Personal risk management and personal risk management consultation in the nature of financial risk management consultation, insurance risk management and consultancy, and credit risk management and consultancy; Predictive modeling and forecasting of commercial risk and insurance coverage needs in the nature of financial forecasting and insurance forecasting; Advisory and risk assessment services, namely, insurance consultancy in the nature of employee benefits for business insurance offered to employees, including medical, dental, and life insurance, and featuring short term disability, long term disability, and accidental death and dismemberment insurance; Advisory and risk assessment services, namely, insurance consultancy in the field of asset and income protection during long term disability; Advisory and risk assessment services, namely, insurance consultancy in the field of programs intended to lower health care costs and increase business productivity through employee health and wellness changes