Application service provider, namely, providing, hosting, managing, developing, researching, analyzing, reporting, and maintaining applications, software and databases of others in the fields of insurance and risk management and development of customized software for others for use in risk assessment, risk management and insurance; providing temporary use of on-line web-based non-downloadable software for insurance claims administration, insurance claim management, worker's compensation claim management, risk management, and for calculating and allocating costs and risks