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Software as a service (SAAS) services featuring software for managing personal umbrella insurance underwriting, rating, policy issuance, endorsements, payment processing, quoting, binding, issuing, renewing, and administering standalone personal umbrella insurance policies for independent insurance agents and brokers, in the field of personal umbrella insurance.; Platform as a service (PAAS) featuring computer software platforms for allowing independent insurance agents and brokers to obtain quotes, bind coverage, issue policies, process payments, and manage accounts for standalone personal umbrella insurance policies.