HCMs, or professional employer organizations, provide full-service human resource outsourcing and perform various employee administration tasks, such as payroll and benefits administration, on behalf of a business. (HCMDefender.com)

Risk pooling is a form of risk management usually practiced by insurance companies to mitigate risk. Insurance companies come together to form a common pool, itself used as protection for its member companies against catastrophic events, usually natural disasters. (PoolDefender.com)

The agricultural industry is one of the largest industries in the United States, as it encompasses food and beverage manufacturing, food and beverage stores, food services and eating/drinking places, textiles, apparel, leather products, forestry, and fishing. Agriculture, food, and related industries contributed roughly $1.264 trillion to U.S. gross domestic product (GDP) in 2021, a 5.4-percent share. (AgDefender.com)

The Certified Public Accountant (CPA) industry is a cornerstone of the financial services sector, providing assurance, tax, advisory, and consulting services to businesses, governments, and individuals. CPAs are licensed professionals who must meet rigorous education, examination, and ethical standards, making them trusted advisors in areas ranging from financial reporting and auditing to compliance and strategic planning. The industry spans both large global accounting firms (the “Big Four”) and thousands of small and mid-sized practices serving local and niche markets. (CPADefender.com)