Providing an on-line database of downloadable and non-downloadable computer simulation software and non-downloadable models for use in the insurance, reinsurance, risk management and portfolio management fields, namely, computer software and models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; consultancy services in the field of models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; consultancy services in the field of risk management software, portfolio loss modeling software and models, and software and models relating to rebuild and replacement costs for damaged structures; software as a service, namely, providing software as a service for insurance policy and portfolio management; computer services, namely, cloud hosting provider services; providing online, non-downloadable software and modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management, and modeling rebuild and replacement costs for damaged structures; providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; providing online, non-downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto; providing online, non-downloadable software for viewing information about natural and man-made events, catastrophes, weather, cyber events, and climate, and risk related thereto; providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; providing online, non-downloadable models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; providing online, non-downloadable models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; providing online, non-downloadable software for use in locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis