insurance consultancy services, namely, providing advice to help clients avoid, reduce, or transfer risk by exclusively providing strategic guidance to businesses for risk management in the areas of commercial property and casualty insurance and employee benefits

'advic':6 'area':27 'avoid':10 'benefit':36 'busi':21 'casualti':32 'client':9 'commerci':29 'consult':2 'employe':35 'exclus':16 'guidanc':19 'help':8 'insur':1,33 'manag':24 'name':4 'properti':30 'provid':5,17 'reduc':11 'risk':14,23 'servic':3 'strateg':18 'transfer':13

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