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INSURANCE SERVICES RENDERED TO INSURERS AND INSUREDS, NAMELY, INSURANCE CONSULTATION, RISK ASSESSMENT AND MANAGEMENT, CLAIMS PROCESSING AND ADMINISTRATION, LOSS CONTROL, MANAGED HEALTH CARE, CLAIM, DISABILITY AND CASE MANAGEMENT, MANAGEMENT OF WORKERS COMPENSATION, SHORT AND LONG TERM DISABILITY, SALARY CONTINUATION AND FAMILY MEDICAL LEAVE ACT CLAIMS, INSURANCE CLAIMS REPORTING AND FOLLOW-UPS, SELECTING PROVIDERS FOR MEDICAL TREATMENT, THERAPY, AND LONG TERM CARE, COMMUNICATIONS WITH PHYSICIANS, COMMUNICATIONS WITH INSURANCE CARRIERS, TASK ASSESSMENTS, INSURANCE CLAIMS CONTROLS, AND CONSULTING SERVICES RELATING THERETO; AND INSURANCE CLAIM ADMINISTERING AND PROCESSING