V VERISK

Providing information about property and casualty insurance and underwriting risks, risk assessment and evaluation, and risk management, for use by insurance companies in handling insurance claims and insurance investigations, about pending and historical insurance claims, and the adequacy of insurance coverage; Providing insurance information relating to changes in automobile insurance policies; Insurance rating services and information relative thereto, namely, benchmarking expected loss for financial risk assessment purposes, and computing and providing information about computation of insurance premium information; Providing insurance appraisals and evaluations, namely, appraisals of personal and real property insurance claims, and repair cost appraisal; Providing real-time insurance claims processing reports to insurance carriers and restoration contractors via a secure online website; Providing insurance claims processing featuring automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Insurance consulting in the nature of evaluating issued insurance policy information in conjunction with third party data libraries and proprietary databases and assessing rating factor errors in premium auditing to enhance actuarial analysis, and determining for others the accuracy and validity of insurance policyholders data used for the calculation of insurance policy premiums; Providing insurance information regarding the data of insurance policy transactions to comply with requirements to notify lien holders, secured parties, or mortgagees of changes in insurance coverage or policies; Providing information in the field of insurance claims, namely, assessment of insurance claims; Providing information on property damage and terrain, namely, financial appraisal of damages and information about insurance and financial risks relating to damage to property and terrain, to assist in insurance claims administration and analysis, insurance and financial risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance, and real estate; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing databases and information in the field of insurance, insurance services, insurance analytics, insurance claims, insurance management and analysis, namely, claims assessment, actuarial information, insurance underwriting information, insurance claim appraisal history and asset valuation appraisal history, insurance coverage verification, financial risk management and analysis, financial risk analytics, financial risk calculation, financial risk mitigation, financial risk forecasting, financial risk assessment, financial and investment analysis; Providing databases and information in the field of claims assessment, claims adjustment, actuarial information, insurance claim appraisal history and asset valuation appraisal history insurance coverage verification, and real estate and real property appraisals, all to assist with insurance underwriting; Insurance underwriting information services; Insurance analysis services, namely, assessing insurance claims, and analyzing insurance information for purposes of financial risk assessment; Providing online databases using predictive modeling to allow insurance carriers and insurance underwriters to rate and underwrite insurance policies; Providing information and analytics on financial risk relating to specific geographic regions, weather, climate and environmental events, other catastrophes, world events, and other loss events; Providing insurance and financial risk analysis information and information for investors, manufacturers, insurance carriers, commodities traders, investors, and those in the supply chain, in the field of climate, environment, world events, and disaster risk management; Providing financial risk and investment data regarding climate, environment, world events, and disasters for use in the insurance and financial fields; Consulting and information in the field of insurance; Providing information and analytics regarding property locations and characteristics, namely, insurance risks derived from property locations for purposes of insurance and financial risk assessment; Providing insurance ratings information, namely, insurance data analyzing insurance loss history and financial information used to evaluate insurance and financial risk; Providing an online database that contains a glossary of technical terms in the field of insurance, covering loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Analysis of credit and financial risk; Providing information about vehicle insurance and underwriting risks, risk assessment and evaluation, and risk management; Providing information about vehicles, namely, information about damage and repair appraisal and repair cost, for insurance and financial purposes; Providing vehicle history reports, namely, providing reports about damage and repair appraisal insurance risk evaluation purposes; Providing information on and analysis of fire protection efforts, namely, insurance and financial risk associated with fire ratings of local communities, to assist in underwriting of insurance and financial services products; Providing ratings information relating to fire protection efforts, namely, insurance risk assessment information used to evaluate insurance and financial risk; Providing information on and analysis of wildfires and risk associated with wildfires, namely, insurance risk information, and ratings information relating to wildfires, namely, insurance risk assessment information, used to evaluate risk, all of the foregoing used to evaluate insurance and financial risk; Consulting and advisory services in the field of insurance; Providing information in the field of insurance claims risk management, namely, information on weather and natural hazards; Insurance risk assessment relating to the effects of weather and natural hazards; Providing insurance and financial risk analysis information relating to energy service interruption; Providing information in the field of insurance, namely, risk analysis information on weather and other perils; Providing on-line computer databases featuring risk analysis information about perils in the nature of financial loss events; Providing information over a global computer network in the field of financial risk analysis information about weather and other perils; Providing insurance underwriting and insurance rating data, namely, insurance and financial risk rating data for insurance use, via an online database available on the internet; Compilation and analysis of data for financial purposes to assist in financial risk assessment, and financial and investment analysis; Providing insurance and financial risk information, namely, information related to weather events and other catastrophes in the nature of information about the effects and potential effects of such events on premiums, and estimates of insured loss and actual insured loss resulting from catastrophic events, to assist in insurance claims management and analysis, financial risk management and analysis, financial risk assessment, and financial and investment analysis; Providing on-line databases featuring insurance and financial risk information, namely, information related to weather-related events and other catastrophes in the nature of information about the effects and potential effects of such events on premiums, and estimates of insured loss and actual insured loss resulting from catastrophic events, all for assessing insurance and financial risk; Providing insurance to value portfolio analysis; Providing estimates of the costs of building repair, namely, repair cost evaluation; Compilation and analysis of financial data in the fields of energy and natural resources, agriculture, mining, transportation, supply chain logistics, engineering, weather, environment and climate, cartography, insurance, construction, real estate, law enforcement, government, real estate, and geopolitics, all for financial analysis; Compiling and analyzing data for financial analysis purposes; Compilation and analysis of ratings information, namely, insurance risk assessment in the field of wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, insurance risk assessment, to the insurance industry relating to wildfires used to evaluate risk; Obtaining information, and providing information and analysis, namely, insurance claims assessment information and analysis and repair cost evaluation information and analysis for building structures, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, to assist in insurance claims management and analysis; Consulting and services related thereto in the nature of consultation in the fields of insurance; Providing online websites in the field of insurance, namely, insurance and financial risk management and analysis, insurance and financial risk analytics, insurance and financial risk calculation, insurance and financial risk mitigation, insurance and financial risk forecasting, insurance and financial risk assessment and insurance and financial and investment analysis; Providing on-line information in the field of property and casualty insurance loss, namely, claims auditing; Providing on-line information in the field of claims administration for managing workers compensation claims; Providing on-line information, namely, providing online financial calculators for use in executing residential insurance and valuation calculations; Providing on-line information in the field of personal and real estate appraisals and repair cost evaluation to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line information in the fields of insurance, insurance claims processing and administration used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line information in the field of repair cost evaluation for cost estimating in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line information in the field of insurance and financial risk assessment, insurance and financial risk analysis and insurance and financial risk management; Providing on-line information in the field of insurance claims assessment; Providing information about insurance and prospective insureds and reports relating to insurance, namely, information about insurance claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claims history information, asset valuation and history, and insurance coverage verification; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, providing replacement cost valuation; Providing information and online databases in the field of insurance, namely, insurance risk assessment and insurance claims appraisals for real property; Providing on-line information in the field of replacement cost valuation for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insured, namely, assessment of insurance claims