42 Software as a service (SAAS) services featuring software for use in insurance administration, insurance consulting, assessing insurance claims, insurance claims processing, organizing and providing insurance information, insurance risk management, development of insurance policies, insurance auditing, insurance contracting, insurance claim negotiation; Platform as a service (PAAS) services featuring software for use in insurance administration, insurance consulting, assessing insurance claims, insurance claims processing, organizing and providing insurance information, insurance risk management, development of insurance policies, insurance auditing, insurance contracting, insurance claim negotiation