HIGHER GROUND

Cost containment for employers in the areas of workers' compensation, auto/general liability and real and personal property insurance claims and consulting related thereto

Insurance claims administration and management in the fields of workers' compensation, unemployment compensation, auto/general liability, real and personal property liability claims, and self-insured employee benefits; insurance consultation services, namely, consulting for employers in the areas of workers' compensation, auto/general liability and real and personal property claims; alternative risk management financing consultation; insurance consultation services regarding insurance risk acceptance, establishing captive insurance accounts, captive insurance claim administration, and alternative risk financing services; insurance administration services for group insurance rating programs in the field of workers' compensation; providing insurance-related information over the Internet

Safety training in the field of personal accident prevention, and developing training programs related thereto, in the insurance industry; training in the field of personal accident experience review for insurance claim purposes

Providing temporary use of on-line non-downloadable software for insurance claims management and medical fee bill payment purposes that adjust bills to state fee schedules and PPO guidelines for reporting purposes; computer software development for the insurance industry

Investigation services relating to maritime workers compensation insurance claims