Richard lives in a sparsely populated county in north- ern Vermont. He owns and operates an adjustment bureau that adjusts property insurance claims in the area. Property insurers that market insurance in northern Vermont cannot afford to hire full-time claims adjustors for the area because it is not cost effective. A small property insurer contracts with Richard's company to adjust claims for homeowners who incur losses in the county where Richard lives. Richard's company is paid a fee for each claim that he adjusts and settles. What type of claims adjustor best describes Richard's company?