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Platform as a service (PAAS) featuring computer software platforms for insurance services, namely, lead tracking, rating, quoting, binding, referral, and issuing insurance coverage in the fields of property and casualty insurance; Platform as a service (PAAS) featuring computer software platforms for visual, artificial intelligence, telepresence, and robotic inspection and detection of defects and conditions in property; Providing on-line non-downloadable software for insurance services, namely, rating, quoting, binding, referral, and issuing insurance coverage in the fields of property and casualty insurance; Providing on-line non-downloadable software for visual, telepresence, and robotic inspection and detection of defects and conditions in property