VERISK ANALYTICS

Subscriptions to a computer service for the insurance industry for providing information relating to changes in insurance coverages and policies and for completing insurance applications with applicant information from existing databases; Providing business risk assessment information to insurance carriers; Providing information in the field of property and casualty insurance claims auditing; Providing referral services for building improvement, remodeling, and repair service providers; Providing building and construction cost assessments and cost-estimating services; Providing health care utilization and review information services regarding health care cost management for cost recovery opportunities and processing of health care information particularly to identify missed or incorrect coding, and quality problems and initiatives; [ Providing business marketing data to healthcare businesses, healthcare providers and others in the healthcare market regarding the costs of financing, organizing, and providing health services] ; Providing healthcare cost review regarding cost reduction services to insurance organizations and other payors of healthcare claims; Providing and analyzing statistical health data to uncover and identify healthcare fraud and healthcare claims errors; Business investigations for fraud prevention; prepayment cost reduction services, namely, clinical cost analysis of suspect claims provided to insurance companies and other payers of health care claims; Providing an online cost-modeling database featuring replacement cost estimates for building structures used in the insurance field for contracting work; analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery for business purposes; Providing business consultation regarding insurance-to-value analysis to insurance companies and insurance policyholders; Providing estimates of the costs of building repair, restoration, and reconstruction

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; Providing insurance appraisals and evaluations; Providing a database that contains investigation results regarding the loss, damage or theft of insured property for use by insurance companies; Providing real-time insurance claims processing reports to insurance carriers and restoration contractors via a secure online website; Providing 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 in connection with the calculation of insurance policy premiums; Performing insurance premium underwriting services for others for all types of insurance; Providing reports for mortgage originators and lenders containing information in making decisions about loans; 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 property and casualty insurance claims

Providing online computer databases and information featuring information on construction, restoration and repair of buildings and automobiles

Automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments

Electronic data storage services for others

Educational services, namely, conducting seminars, lectures, workshops and web seminars, for the insurance, insurance premium audit, law enforcement, real estate and mortgage, and fraud detection fields, and providing training manuals in connection therewith; Providing online publications, namely, newsletters in the field of property and casualty insurance claims; Providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes

Providing temporary use of on-line non-downloadable software programs for use in analyzing property and casualty insurance loss information; [ Providing temporary use of on-line non-downloadable software programs for use by lenders to review and analyze loan and loan service data, loan documents and collateral, and loan origination quality control to ensure compliance with a variety of federal, state and local mortgage lending laws, rules and regulations, to score loans and loan applications in real time, to help reduce repurchases, default, and delinquency costs, and to identify multiple social security numbers, invalid social security numbers, multiple name social security numbers and social security numbers of the deceased used by loan applicants] ; Providing temporary use of on-line non-downloadable software programs for use as an automated valuation model for real estate property assessment and creation of real property valuation reports for others; Providing temporary use of on-line non-downloadable software programs for health care businesses, health care providers and others in the health care market, for analyzing, creating financial models of, and creating reports on, health care costs and cost-control, [ the financing of health care costs, ] managed care provider groups, self-insured employers, third party administrators, [ and the delivery of health care services ], for targeting specific business problems in the health care field, to perform information and research services regarding the Medicare market, [ to reduce healthcare facility costs, ] and to validate claim submissions and detect, investigate, audit and manage fraudulent claims and over-payment of claims; [ Providing temporary use of online non-downloadable software programs in the nature of a disease management calculator that helps clients understand their population's health care needs; ] Providing temporary use of on-line non-downloadable software programs for accessing, storing, retrieving and updating driver and motor vehicle records; Providing temporary use of on-line non-downloadable software programs for managing workers compensation claims; Providing temporary use of on-line non-downloadable software programs for use by the insurance industry to electronically pre-fill insurance applications with applicant information from existing databases; Providing temporary use of on-line non-downloadable software programs for use in executing residential insurance and valuation calculations; Providing temporary use of on-line non-downloadable software that is a spatial assessment tool that offers geographic maps displaying insurance risk assessment data and information, namely, risk addresses, risk assessment, exposure concentrations, and information regarding target areas for underwriting new business; Providing temporary use of on-line nondownloadable software programs used to conduct insurance premium audits; Providing temporary use of on-line non-downloadable software programs for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing temporary use of on-line non-downloadable software programs for providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; Providing temporary use of on-line non-downloadable software programs to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing temporary use of on-line non-downloadable software programs used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing temporary use of on-line non-downloadable software programs to provide information to insurance companies and farmers concerning the risk of weather-related losses; Providing temporary use of on-line non-downloadable software programs for screening candidates for employment for criminal records and verification of education, credentials, and employment history; Recovery of computer data generated during the operation of vehicles. Providing on-line databases featuring weather-related catastrophic events; computer software maintenance, technical support, namely, troubleshooting of computer software problems; Providing data conversion of computer program data, data analysis and development of data reporting software in the healthcare and health insurance industry; consulting services related to data conversion, analysis and reporting software in the healthcare and health insurance industry; Application service provider featuring software for providing an online computer database that facilitates audits of insurance premiums; Providing climate forecast information

Providing healthcare information services

Pre-employment background verification of a person's credentials and screening services and automatic monitoring of public records regarding active employees for criminal activity; Providing a searchable online database to assist property owners and law enforcement to investigate and recover stolen or damaged property; [ Fraud detection services, namely, providing authentication of personal identification information for loan applications; ] Providing online information about fire prevention and fire ratings of local communities, and information about buildings and real property surveys and maps as it pertains to fire prevention; Fraud detection services in the field of health care insurance; Reviewing standards and practices of building departments of municipalities to determine and evaluate their compliance with building codes, for the benefit of the insurance industry; Identification verification services, namely, providing authentication of personal identification information; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing data to verify the accuracy and status of the Product Identification Number for equipment electronically or via the telephone; Providing reports for hiring companies, employers, potential employers, volunteer organizations, landlords, and others containing information for background screening; Providing information on motor vehicle violations of drivers and insurance policyholders to others; Licensing of computer software and software programs