Subscriptions to a computer service for the insurance industry for providing information in the field of 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 data and online publications, bulletins and newsletters in the field of property/casualty insurance claims; providing referral services for building improvement, remodeling, and repair service providers; providing building and construction costs and cost-estimating services; providing information to identify missed or incorrect coding, revenue recovery opportunities, and quality problems and initiatives, all with respect to health care data; providing data to health care businesses, health care providers and others in the health care market, namely, providing underwriting services, claim services, valuation services, cost estimates; providing cost reduction services to insurance organizations and other payers of health care claims; providing and analyzing statistical health data to uncover and identify health care fraud and healthcare claims errors; business investigations in the field of fraud prevention; 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; management of insurance information in the field of changes in automobile insurance policies; insurance rating and insurance rating data services; providing insurance-to-value portfolio analysis to insurance companies and insurance policyholders; providing insurance appraisals and evaluations, insurance price quotations, insurance policy administration, and insurance administration and consultation; providing a database that contains investigation results and a glossary of technical terms regarding the loss, damage or theft of insured property for use by insurance companies; providing insurance repair, restoration and reconstruction estimates; providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; providing automated 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; providing broker information for broker originators, lenders, hiring companies, employers and potential employers, and the general public; providing 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 insurance companies and other payers of health care claims prepayment cost reduction services by performing financial clinical analysis of suspect claims; providing online computer data and databases of information for insurance, cost estimation, construction, restoration and repair businesses; providing an online cost-modeling database that improves the reliability of replacement cost estimates for structures used in the insurance field; automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments; electronic data storage services for others, namely, storing reports of information generated during the operation of vehicles, instruments and machinery; data in the field of home warranty information and blueprints of homes; storing data on insurance claims that involve damages to real property, home warranties, valuations of real estate and buildings, and insurance policies covering real estate; storing data for others in the fields of residential, commercial, industrial and agricultural real estate valuations, construction, replacement and remodeling cost estimates; storing data in the field of residential insurance valuation calculations; providing electronic storage of insurance claims, insurance property valuations and insurance policyholder information; electronic storage for others of data in the field of home warranty information and blueprints of homes; educational services for the insurance, insurance premium audit, law enforcement, real estate and mortgage, and fraud detection fields, and providing training manuals in connection therewith; providing temporary use of on-line non-downloadable software programs for use in analyzing property/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 on-line 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 programs that is a spatial assessment software 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 non-downloadable 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 accredited and licensed users of information used to protect against identity theft and to protect against the unauthorized disclosure of confidential and personally identifiable information; 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; providing a website for uploading and retrieval of insurance ratings information on insurable property; developing databases and investigative resources for use by law enforcement agencies to deter theft; providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes, namely, providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making; recovering and analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery; providing on-line databases featuring weather-related catastrophic events; computer software information and design services; computer software maintenance, technical support and troubleshooting services; computer programming services; licensing and leasing computer software and computer programs; maintenance and enhancement of computers and computer software; development of software for others for use in analyzing, compiling and exploiting statistical health data; providing data conversion, data analysis and development of data reporting solutions in the healthcare and health insurance industry; consulting services in the field of data conversion, analysis and reporting in the healthcare and health insurance industry; application services provider featuring software for providing an online computer database that facilitates audits of insurance premiums; application services provider featuring software for providing a data management application and access to an on-line database in the field of low-income housing and low-income HUD, uploading of state and local housing grants, collection and compilation of data about low-income housing and low-income housing grant data for statistical analysis and report generation; providing climate forecast information; arbitration services in the insurance field; reviewing standards and practices of insurance carriers to ensure compliance with the Patriot Act and other statutory obligations related to national security; providing information on motor vehicle violations of drivers and policyholders to others; identity verification and validation services; 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; 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; pre-employment background verification and screening services and automatic monitoring of 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; information validation fraud detection and data integrity verification services for loan applications; providing online information about fire protection and fire ratings of local communities, including information about buildings and real property surveys and maps.