Downloadable computer software for insurance data collection and data management, business risk management, insurance policy management, insurance policy information, and insurance brokerage management; downloadable software for the purposes of providing insurance rate price quotations, policy binding, and document storage, and to enable users to access account information, review referral information, and initiate contact requests; downloadable computer software for accessing insurance information and services through an online computer network; downloadable computer software accessible by insurance policy holders for viewing an insurance policy, reviewing policy details, viewing policy documents, downloading policy documents, reporting insurance claims, viewing the status of insurance claims, viewing coverage details, reviewing contact information for insurance representatives, reviewing historical billing data, enrolling in periodic payment plans, making payments on an insurance policy, providing insured contact information, and editing insured contact information; downloadable computer software for use in providing insurance policyholders services