Insurance agency and brokerage services consisting of solicitation, service, and sales of insurance products, including property and casualty, life, health, disability, bonding and surety products; as well as provide data analytics, actuarial services, and financial services; all to business and personal clients; providing insurance consultative services, namely, comprehensive risk evaluations, risk transfer solutions and related professional advice; particularly services related to the placement of clients in "Captive Insurance" arrangements and self-insurance, from multiple vendor partnerships and outsourced relationships; ancillary and services related to risk identification, mitigation and insurance; providing insurance market evaluation, plan design structure development, funding, and plan performance monitoring and related professional advice with services offered in person, as well as via electronic media including website usage