MEM MISSOURI EMPLOYERS MUTUAL

Business management and business consulting in the area of claims, claims administration, claims management, disability management, loss prevention and safety services and underwriting in the field of insurance; workers' compensation insurance claim auditing services; medical claim management services, namely, consulting with employers on loss control, medical treatment and disability management determinations with respect to workers compensation claims; business risk management consultation and evaluation regarding workers compensation risk; business evaluation of worker safety programs and developing business risk management programs for others in connection with the sale and maintenance of workers' compensation insurance policies; business risk management consultation, namely, critical incident and loss prevention evaluations for purposes of the placement and administration of workers' compensation insurance policies