SJS CONSULTANTS LLC

Direct Health and Medical Insurance Carriers

This includes establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) health and medical insurance policies. Group hospitalization plans and HMO establishments that provide health and medical insurance policies without providing health care services are included in this industry.

Reinsurance Carriers

Establishments in this category are primarly engaged in assuming all or part of the risk associated with existing insurance policies originally underwritten by other insurance carriers.

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds

This includes establishments primarily engaged in providing pharmacy benefit management (PBM) services and other third party administration services of insurance and pension funds, such as claims processing and other administrative services to insurance carriers, employee benefit plans, and self-insurance funds.

All Other Insurance Related Activities

This includes establishments primarily engaged in providing insurance services on a contract or fee basis (except insurance agencies and brokerages, claims adjusting, and third party administration). Insurance advisory services, insurance actuarial services, and insurance ratemaking services are included in this industry.

Temporary Help Services

Establishments in this category are primarly engaged in supplying workers to clients' businesses for limited periods of time to supplement the working force of the client. The individuals provided are employees of the temporary help services establishment. However, these establishments do not provide direct supervision of their employees at the clients' work sites.

Illustrative Examples:

Help supply services
Model supply services
Labor (except farm) contractors (i.e., personnel suppliers)
Temporary employment or temporary staffing services
Manpower pools