@prefix ins: . @prefix pandc: . @prefix ra: . @prefix ec: . @prefix gist: . @prefix skos: . @prefix owl: . @prefix rdf: . @prefix rdfs: . @prefix xsd: . @prefix dct: . @prefix prov: . @prefix sh: . @prefix schema: . @prefix vann: . @base . #==================================================================================================== # ENTERPRISE CLAIM ONTOLOGY # Consolidated from: Chubb Domain Ontology LDM v1.06 (claim-ontology.html) # Aligned to: W3C OWL 2 / RDFS / SKOS / SHACL, OMG (FIBO, LCC, Commons), ACORD P&C, FIBO FND/BE/FBC # Generated: 2026-08-03 # # NOTE ON IMPORTS: no owl:imports statements are used. gist:, FIBO, ACORD and schema.org # terms are declared locally as anchor classes so the file opens in Protege with zero network # access and no unresolved-import errors. Alignment to the external standards is carried on # ec:fiboAlignment / ec:acordAlignment / ec:omgAlignment annotations, which is the reviewable # form. Swap these for owl:equivalentClass only after each mapping has been signed off. #==================================================================================================== a owl:Ontology ; dct:title "Chubb Enterprise Claim Ontology"@en ; owl:versionIRI ; owl:versionInfo "2.0.0 (target-state consolidation of BCG LDM v1.06)" ; dct:created "2026-08-03"^^xsd:date ; vann:preferredNamespacePrefix "ec" ; dct:description """Single consolidated OWL 2 ontology covering every concept in the source Chubb Domain Ontology LDM v1.06 (494 classes, 696 relationships, 85 controlled vocabularies), plus an ec: target-state claim module that closes the gaps identified in the standards assessment against OMG/FIBO, ACORD, W3C OWL-SHACL and SKOS."""@en ; rdfs:comment "Open in Protege: Classes tab for the hierarchy, Object Properties for relationships, Individuals for SKOS vocabularies, and the ec: namespace for the target-state claim module."@en . #---------------------------------------------------------------------------------------------------- # ANNOTATION PROPERTIES - standards alignment and governance metadata #---------------------------------------------------------------------------------------------------- ec:fiboAlignment a owl:AnnotationProperty ; rdfs:label "FIBO alignment"@en ; rdfs:comment "Candidate mapping to an OMG/EDMC FIBO term. Module-level where FIBO has no equivalent class."@en . ec:acordAlignment a owl:AnnotationProperty ; rdfs:label "ACORD alignment"@en ; rdfs:comment "Candidate mapping to an ACORD P&C / Claims aggregate or element."@en . ec:omgAlignment a owl:AnnotationProperty ; rdfs:label "OMG alignment"@en ; rdfs:comment "Mapping to an OMG specification (LCC, Commons, SBVR, ODM)."@en . ec:w3cPattern a owl:AnnotationProperty ; rdfs:label "W3C pattern"@en ; rdfs:comment "The W3C modelling pattern applied (OWL 2 axiom, SKOS vocabulary, SHACL shape, PROV)."@en . ec:sourceArtifact a owl:AnnotationProperty ; rdfs:label "source artifact"@en ; rdfs:comment "Originating JSON-LD file in the BCG delivery."@en . ec:legacyIRI a owl:AnnotationProperty ; rdfs:label "legacy IRI"@en ; rdfs:comment "IRI carried by the concept in the source LDM v1.06."@en . ec:gapRef a owl:AnnotationProperty ; rdfs:label "gap reference"@en ; rdfs:comment "Identifier of the gap in the assessment register this concept closes."@en . ec:conformance a owl:AnnotationProperty ; rdfs:label "conformance status"@en ; rdfs:comment "Conformance of the concept against the target-state standard."@en . ec:module a owl:AnnotationProperty ; rdfs:label "module"@en ; rdfs:comment "Logical module the concept belongs to."@en . ec:dataQualityFlag a owl:AnnotationProperty ; rdfs:label "data quality flag"@en ; rdfs:comment "Defect inherited from the source LDM, to be remediated."@en . ec:sourceDatatype a owl:AnnotationProperty ; rdfs:label "source datatype"@en ; rdfs:comment "Datatype declared in the source LDM before mapping into the OWL 2 datatype map."@en . #---------------------------------------------------------------------------------------------------- # EXTERNAL ANCHOR CLASSES (gist, SKOS, PROV, schema.org) - declared, not imported #---------------------------------------------------------------------------------------------------- gist:Address a owl:Class ; rdfs:label "Address"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-plc-adr:PhysicalAddress" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Agreement a owl:Class ; rdfs:label "Agreement"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-agr-ctr:Contract" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Application a owl:Class ; rdfs:label "Application"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Aspect a owl:Class ; rdfs:label "Aspect"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Assessment a owl:Class ; rdfs:label "Assessment"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Category a owl:Class ; rdfs:label "Category"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "(use SKOS - FIBO defers code lists to LCC / external schemes)" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Collection a owl:Class ; rdfs:label "Collection"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Commitment a owl:Class ; rdfs:label "Commitment"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Correspondence a owl:Class ; rdfs:label "Correspondence"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Document a owl:Class ; rdfs:label "Document"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-arr-doc:Document" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Duration a owl:Class ; rdfs:label "Duration"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Event a owl:Class ; rdfs:label "Event"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "(no FIBO equivalent - FIBO has no event/occurrence model)" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Function a owl:Class ; rdfs:label "Function"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:GeoPoint a owl:Class ; rdfs:label "GeoPoint"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:HistoricalEvent a owl:Class ; rdfs:label "HistoricalEvent"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Identifier a owl:Class ; rdfs:label "Identifier"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-arr-id:Identifier" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Information a owl:Class ; rdfs:label "Information"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Intention a owl:Class ; rdfs:label "Intention"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Magnitude a owl:Class ; rdfs:label "Magnitude"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:MonetaryAmount a owl:Class ; rdfs:label "MonetaryAmount"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-acc-cur:MonetaryAmount" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Person a owl:Class ; rdfs:label "Person"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-pty-pty:Party (natural person)" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:PhysicalIdentifiableItem a owl:Class ; rdfs:label "PhysicalIdentifiableItem"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Place a owl:Class ; rdfs:label "Place"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-plc-loc:PhysicalLocation" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Relationship a owl:Class ; rdfs:label "Relationship"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Request a owl:Class ; rdfs:label "Request"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Requirement a owl:Class ; rdfs:label "Requirement"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Restriction a owl:Class ; rdfs:label "Restriction"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Role a owl:Class ; rdfs:label "Role"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-pty-rl:PartyInRole" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Service a owl:Class ; rdfs:label "Service"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Specification a owl:Class ; rdfs:label "Specification"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:System a owl:Class ; rdfs:label "System"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Taxonomy a owl:Class ; rdfs:label "Taxonomy"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:TimeSlice a owl:Class ; rdfs:label "TimeSlice"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:Transaction a owl:Class ; rdfs:label "Transaction"@en ; ec:module "External / upper ontology" ; ec:fiboAlignment "fibo-fnd-acc-cur:MonetaryAmount (transaction amount)" ; rdfs:comment "External anchor term declared locally; not imported."@en . gist:UnitOfMeasure a owl:Class ; rdfs:label "UnitOfMeasure"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . prov:Agent a owl:Class ; rdfs:label "Agent"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . prov:Entity a owl:Class ; rdfs:label "Entity"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . schema:Building a owl:Class ; rdfs:label "Building"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . schema:ContactPoint a owl:Class ; rdfs:label "ContactPoint"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . schema:PostalAddress a owl:Class ; rdfs:label "PostalAddress"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . skos:Concept a owl:Class ; rdfs:label "Concept"@en ; ec:module "External / upper ontology" ; rdfs:comment "External anchor term declared locally; not imported."@en . #---------------------------------------------------------------------------------------------------- # CLASSES - all 494 concepts from the source LDM, plus stubs for dangling references #---------------------------------------------------------------------------------------------------- ins:AMBestIdentifier a owl:Class ; rdfs:label "AMBestIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "AM Best Company identifier for insurance carriers"@en ; rdfs:comment "AM Best Company identifier for insurance carriers"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AMBestIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Account a owl:Class ; rdfs:label "Account"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "Ongoing business relationship between Chubb and an insured, spanning multiple policies and terms. Home for ins:hasAccoun"@en ; rdfs:comment "Ongoing business relationship between Chubb and an insured, spanning multiple policies and terms. Home for ins:hasAccoun"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Account" ; ec:sourceArtifact "ins/account/account.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AccountStatus a owl:Class ; rdfs:label "AccountStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Status of an Account (e.g. NewBusiness, RenewalBusiness). Sourced from dbo_lkpAccountStatus_Descr (field 5). Decision: N"@en ; rdfs:comment "Status of an Account (e.g. NewBusiness, RenewalBusiness). Sourced from dbo_lkpAccountStatus_Descr (field 5). Decision: N"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AccountStatus" ; ec:sourceArtifact "ins/account/account.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AdditionalInformationRequestLetter a owl:Class ; rdfs:label "AdditionalInformationRequestLetter"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Formal letter requesting specific information needed for underwriting decision"@en ; rdfs:comment "Formal letter requesting specific information needed for underwriting decision"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AdditionalInformationRequestLetter" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AdditionalInsured a owl:Class ; rdfs:label "AdditionalInsured"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Party added to a policy for coverage beyond the named insured"@en ; rdfs:comment "Party added to a policy for coverage beyond the named insured"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AdditionalInsured" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Address a owl:Class ; rdfs:label "Address"@en ; rdfs:subClassOf gist:Address ; skos:definition "Abstract base class for all address types with standardized properties aligned to W3C standards"@en ; rdfs:comment "Abstract base class for all address types with standardized properties aligned to W3C standards"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Address" ; ec:sourceArtifact "ins/party/party-supplement.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AddressType a owl:Class ; rdfs:label "AddressType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of address usage and purpose"@en ; rdfs:comment "Classification of address usage and purpose"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AddressType" ; ec:sourceArtifact "ins/party/address-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AddressValidation a owl:Class ; rdfs:label "AddressValidation"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "Address verification status and quality indicators"@en ; rdfs:comment "Address verification status and quality indicators"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AddressValidation" ; ec:sourceArtifact "ins/party/address-validation.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: validationId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:AddressValidation owl:hasKey ( ins:validationId ) . ins:Administrator a owl:Class ; rdfs:label "Administrator"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "A party performing the policy-administrator role — the organisation responsible for processing, managing, and servicing"@en ; rdfs:comment "A party performing the policy-administrator role — the organisation responsible for processing, managing, and servicing"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Administrator" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Agent a owl:Class ; rdfs:label "Agent"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Insurance agent representing the carrier"@en ; rdfs:comment "Insurance agent representing the carrier"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Agent" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AppointmentStatus a owl:Class ; rdfs:label "AppointmentStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of appointment status values"@en ; rdfs:comment "Enumeration of appointment status values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AppointmentStatus" ; ec:sourceArtifact "ins/party/producer-appointment.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:AssessmentMethod a owl:Class ; rdfs:label "AssessmentMethod"@en ; rdfs:subClassOf skos:Concept ; skos:definition "Method used to perform risk assessment for a quote"@en ; rdfs:comment "Method used to perform risk assessment for a quote"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AssessmentMethod" ; ec:sourceArtifact "ins/quote/assessment-method.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Attachment a owl:Class ; rdfs:label "Attachment"@en ; rdfs:subClassOf gist:Document ; skos:definition "Supporting documentation attached to quote for underwriting review"@en ; rdfs:comment "Supporting documentation attached to quote for underwriting review"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Attachment" ; ec:sourceArtifact "ins/quote/attachment.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: attachmentId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Attachment owl:hasKey ( ins:attachmentId ) . ins:AttachmentType a owl:Class ; rdfs:label "AttachmentType"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Classification of document attachment types associated with an insurance submission or quote"@en ; rdfs:comment "Classification of document attachment types associated with an insurance submission or quote"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#AttachmentType" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Broker a owl:Class ; rdfs:label "Broker"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Insurance broker representing the insured"@en ; rdfs:comment "Insurance broker representing the insured"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Broker" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:BusinessClassification a owl:Class ; rdfs:label "BusinessClassification"@en ; rdfs:subClassOf ins:Classification ; skos:definition "Business and industry classification codes for rating and underwriting"@en ; rdfs:comment "Business and industry classification codes for rating and underwriting"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#BusinessClassification" ; ec:sourceArtifact "ins/classification/business-classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:BusinessSegment a owl:Class ; rdfs:label "BusinessSegment"@en ; rdfs:subClassOf gist:Category ; skos:definition "Chubb organizational business segments for market and product segmentation"@en ; rdfs:comment "Chubb organizational business segments for market and product segmentation"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#BusinessSegment" ; ec:sourceArtifact "ins/quote/business-segment.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ChubbClassCode a owl:Class ; rdfs:label "ChubbClassCode"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Chubb-specific classification refinements and proprietary codes"@en ; rdfs:comment "Chubb-specific classification refinements and proprietary codes"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ChubbClassCode" ; ec:sourceArtifact "ins/classification/chubb-class-code.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Claim a owl:Class ; rdfs:label "Claim"@en ; rdfs:subClassOf gist:Event ; skos:definition "A demand for indemnification under an insurance policy arising from a loss or covered event"@en ; rdfs:comment "A demand for indemnification under an insurance policy arising from a loss or covered event"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Claim" ; ec:sourceArtifact "ins/claim/claim.jsonld" ; ec:acordAlignment "ACORD P&C ClaimsOccurrence / ClaimsParty aggregate root" ; ec:fiboAlignment "no FIBO equivalent - FIBO has no insurance claim model (gap: FIBO covers ~60% of an insurance enterprise ontology via FND/BE/FBC)" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: catastropheEventCode, claimNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Claim owl:hasKey ( ins:catastropheEventCode ins:claimNumber ) . ins:ClaimPayment a owl:Class ; rdfs:label "ClaimPayment"@en ; rdfs:subClassOf gist:Transaction ; skos:definition "An individual payment transaction made on a claim for indemnity or expense"@en ; rdfs:comment "An individual payment transaction made on a claim for indemnity or expense"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ClaimPayment" ; ec:sourceArtifact "ins/claim/claim-payment.jsonld" ; ec:acordAlignment "ACORD ClaimsPayment" ; ec:fiboAlignment "fibo-fnd-acc-cur:MonetaryAmount + fibo-fbc-pas-fpas payment pattern" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ClaimStatus a owl:Class ; rdfs:label "ClaimStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Lifecycle status of an insurance claim"@en ; rdfs:comment "Lifecycle status of an insurance claim"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ClaimStatus" ; ec:sourceArtifact "ins/claim/claim-status.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ClaimType a owl:Class ; rdfs:label "ClaimType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of insurance claims by nature of loss"@en ; rdfs:comment "Classification of insurance claims by nature of loss"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ClaimType" ; ec:sourceArtifact "ins/claim/claim-type.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Classification a owl:Class ; rdfs:label "Classification"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for all classification systems used in insurance"@en ; rdfs:comment "Abstract base class for all classification systems used in insurance"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Classification" ; ec:sourceArtifact "ins/classification/classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ClassificationMapping a owl:Class ; rdfs:label "ClassificationMapping"@en ; rdfs:subClassOf gist:Correspondence ; skos:definition "Cross-reference mapping between different classification systems"@en ; rdfs:comment "Cross-reference mapping between different classification systems"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ClassificationMapping" ; ec:sourceArtifact "ins/classification/classification-mapping.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ClassificationSystem a owl:Class ; rdfs:label "ClassificationSystem"@en ; rdfs:subClassOf gist:Taxonomy ; skos:definition "Hierarchical classification system or taxonomy"@en ; rdfs:comment "Hierarchical classification system or taxonomy"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ClassificationSystem" ; ec:sourceArtifact "ins/classification/classification-system.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ClassificationVersion a owl:Class ; rdfs:label "ClassificationVersion"@en ; rdfs:subClassOf gist:TimeSlice ; skos:definition "Time-bounded version of a classification with specific rates and attributes"@en ; rdfs:comment "Time-bounded version of a classification with specific rates and attributes"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ClassificationVersion" ; ec:sourceArtifact "ins/classification/classification-version.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: classificationVersionId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:ClassificationVersion owl:hasKey ( ins:classificationVersionId ) . ins:CommissionType a owl:Class ; rdfs:label "CommissionType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of commission type values"@en ; rdfs:comment "Enumeration of commission type values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#CommissionType" ; ec:sourceArtifact "ins/party/producer-appointment.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Condition a owl:Class ; rdfs:label "Condition"@en ; rdfs:subClassOf gist:Requirement ; skos:definition "Required obligations and duties under the policy"@en ; rdfs:comment "Required obligations and duties under the policy"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Condition" ; ec:sourceArtifact "ins/coverage/condition.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ConditionType a owl:Class ; rdfs:label "ConditionType"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Classification of policy conditions"@en ; rdfs:comment "Classification of policy conditions"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ConditionType" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ConstructionClassification a owl:Class ; rdfs:label "ConstructionClassification"@en ; rdfs:subClassOf ins:Classification ; skos:definition "Building construction type classifications for property rating"@en ; rdfs:comment "Building construction type classifications for property rating"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ConstructionClassification" ; ec:sourceArtifact "ins/classification/construction-classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Country a owl:Class ; rdfs:label "Country"@en ; rdfs:subClassOf gist:Place ; skos:definition "A sovereign nation or territory identified by its ISO 3166-1 name and alpha-2 code"@en ; rdfs:comment "A sovereign nation or territory identified by its ISO 3166-1 name and alpha-2 code"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Country" ; ec:sourceArtifact "ins/party/country-code.jsonld" ; ec:fiboAlignment "lcc-3166-1:Country (OMG LCC)" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:CountryCode a owl:Class ; rdfs:label "CountryCode"@en ; rdfs:subClassOf gist:Category ; skos:definition "ISO 3166-1 country codes"@en ; rdfs:comment "ISO 3166-1 country codes"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#CountryCode" ; ec:sourceArtifact "ins/party/country-code.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:CoverageTerm a owl:Class ; rdfs:label "CoverageTerm"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for terms and conditions that define coverage structure"@en ; rdfs:comment "Abstract base class for terms and conditions that define coverage structure"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#CoverageTerm" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:CoveredPeril a owl:Class ; rdfs:label "CoveredPeril"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A peril covered under an insurance policy"@en ; rdfs:comment "A peril covered under an insurance policy"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#CoveredPeril" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:CurrencyCode a owl:Class ; rdfs:label "CurrencyCode"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "ISO 4217 currency code as a category of financial denomination. NOT gist:UnitOfMeasure — currency is a denomination cate"@en ; rdfs:comment "ISO 4217 currency code as a category of financial denomination. NOT gist:UnitOfMeasure — currency is a denomination cate"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#CurrencyCode" ; ec:sourceArtifact "ins/party/currency-code.jsonld" ; ec:fiboAlignment "fibo-fnd-acc-cur:Currency / lcc-3166-1 (OMG LCC)" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:CustomerStatus a owl:Class ; rdfs:label "CustomerStatus"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of customer relationship statuses"@en ; rdfs:comment "Enumeration of customer relationship statuses"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#CustomerStatus" ; ec:sourceArtifact "ins/party/customer-status.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:DACType a owl:Class ; rdfs:label "DACType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of a policy's reinsurance relationship: whether the business is written directly (Direct), assumed from a"@en ; rdfs:comment "Classification of a policy's reinsurance relationship: whether the business is written directly (Direct), assumed from a"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#DACType" ; ec:sourceArtifact "ins/policy/dac-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:DUNSIdentifier a owl:Class ; rdfs:label "DUNSIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Dun & Bradstreet Universal Numbering System identifier"@en ; rdfs:comment "Dun & Bradstreet Universal Numbering System identifier"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#DUNSIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Deductible a owl:Class ; rdfs:label "Deductible"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "Amount or period insured must bear before coverage applies"@en ; rdfs:comment "Amount or period insured must bear before coverage applies"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Deductible" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:acordAlignment "ACORD Deductible" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:DeductibleType a owl:Class ; rdfs:label "DeductibleType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of deductible types"@en ; rdfs:comment "Classification of deductible types"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#DeductibleType" ; ec:sourceArtifact "pandc/coverage/deductible-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:DistributionChannel a owl:Class ; rdfs:label "DistributionChannel"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Insurance distribution channel classifications representing how insurance is sold and serviced"@en ; rdfs:comment "Insurance distribution channel classifications representing how insurance is sold and serviced"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#DistributionChannel" ; ec:sourceArtifact "ins/quote/distribution-channel.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:DnBCreditAssessment a owl:Class ; rdfs:label "DnBCreditAssessment"@en ; rdfs:subClassOf gist:Event ; skos:definition "A Dun & Bradstreet credit assessment for a party, capturing financial stress scores, lien counts, judgment counts, and p"@en ; rdfs:comment "A Dun & Bradstreet credit assessment for a party, capturing financial stress scores, lien counts, judgment counts, and p"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#DnBCreditAssessment" ; ec:sourceArtifact "ins/party/dnb-credit-assessment.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:EINIdentifier a owl:Class ; rdfs:label "EINIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "US Federal Employer Identification Number (EIN) assigned by the IRS"@en ; rdfs:comment "US Federal Employer Identification Number (EIN) assigned by the IRS"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#EINIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:EmailSubmission a owl:Class ; rdfs:label "EmailSubmission"@en ; rdfs:subClassOf ins:UnstructuredSubmission ; skos:definition "Submission received via email with documents as attachments. Email metadata (from, to, subject, date) is captured and at"@en ; rdfs:comment "Submission received via email with documents as attachments. Email metadata (from, to, subject, date) is captured and at"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#EmailSubmission" ; ec:sourceArtifact "ins/submission/email-submission.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: hasEmailId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:EmailSubmission owl:hasKey ( ins:hasEmailId ) . ins:Endorsement a owl:Class ; rdfs:label "Endorsement"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Modification to standard policy coverage terms"@en ; rdfs:comment "Modification to standard policy coverage terms"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Endorsement" ; ec:sourceArtifact "ins/coverage/endorsement.jsonld" ; ec:acordAlignment "ACORD Endorsement" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: endorsementNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Endorsement owl:hasKey ( ins:endorsementNumber ) . ins:EndorsementType a owl:Class ; rdfs:label "EndorsementType"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Classification of policy endorsements"@en ; rdfs:comment "Classification of policy endorsements"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#EndorsementType" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Exclusion a owl:Class ; rdfs:label "Exclusion"@en ; rdfs:subClassOf gist:Restriction ; skos:definition "Specific perils, conditions, or property excluded from coverage"@en ; rdfs:comment "Specific perils, conditions, or property excluded from coverage"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Exclusion" ; ec:sourceArtifact "ins/coverage/exclusion.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ExclusiveRole a owl:Class ; rdfs:label "ExclusiveRole"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Carrier role in a shared or exclusive arrangement"@en ; rdfs:comment "Carrier role in a shared or exclusive arrangement"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ExclusiveRole" ; ec:sourceArtifact "ins/quote/exclusive-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Exposure a owl:Class ; rdfs:label "Exposure"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for insurable exposures"@en ; rdfs:comment "Abstract base class for insurable exposures"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Exposure" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:FXRateSnapshot a owl:Class ; rdfs:label "FXRateSnapshot"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A point-in-time foreign exchange rate observation linking a rate value, currency pair, calendar year, and calendar month"@en ; rdfs:comment "A point-in-time foreign exchange rate observation linking a rate value, currency pair, calendar year, and calendar month"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#FXRateSnapshot" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Fee a owl:Class ; rdfs:label "Fee"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A fee associated with a policy, capturing the fee value and fee type. Distinct from insurance premium; represents invoic"@en ; rdfs:comment "A fee associated with a policy, capturing the fee value and fee type. Distinct from insurance premium; represents invoic"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Fee" ; ec:sourceArtifact "ins/policy/fee.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:FinancialStatement a owl:Class ; rdfs:label "FinancialStatement"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Business financial statements including balance sheet and income statement"@en ; rdfs:comment "Business financial statements including balance sheet and income statement"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#FinancialStatement" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ForeignExchangeRate a owl:Class ; rdfs:label "ForeignExchangeRate"@en ; rdfs:subClassOf owl:Thing ; skos:definition "The conversion rate between two currencies for a given month and year. Used to translate premium and limit amounts from"@en ; rdfs:comment "The conversion rate between two currencies for a given month and year. Used to translate premium and limit amounts from"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ForeignExchangeRate" ; ec:sourceArtifact "ins/policy/foreign-exchange-rate.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:GLTerritoryCode a owl:Class ; rdfs:label "GLTerritoryCode"@en ; rdfs:subClassOf ins:TerritoryClassification ; skos:definition "ISO territory codes for General Liability rating"@en ; rdfs:comment "ISO territory codes for General Liability rating"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#GLTerritoryCode" ; ec:sourceArtifact "ins/classification/gl-territory-code.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:GeoCoordinate a owl:Class ; rdfs:label "GeoCoordinate"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Precise geographic location using WGS84 coordinates with quality metadata"@en ; rdfs:comment "Precise geographic location using WGS84 coordinates with quality metadata"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#GeoCoordinate" ; ec:sourceArtifact "ins/party/party-supplement.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:GeocodePrecision a owl:Class ; rdfs:label "GeocodePrecision"@en ; rdfs:subClassOf skos:Concept ; skos:definition "Classification of geocoding accuracy and precision"@en ; rdfs:comment "Classification of geocoding accuracy and precision"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#GeocodePrecision" ; ec:sourceArtifact "ins/party/party-supplement.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ISOClassCode a owl:Class ; rdfs:label "ISOClassCode"@en ; rdfs:subClassOf owl:Thing ; skos:definition "ISO commercial lines classification code"@en ; rdfs:comment "ISO commercial lines classification code"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ISOClassCode" ; ec:sourceArtifact "ins/classification/iso-class-code.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:IdentifierStatus a owl:Class ; rdfs:label "IdentifierStatus"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of valid identifier statuses"@en ; rdfs:comment "Enumeration of valid identifier statuses"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#IdentifierStatus" ; ec:sourceArtifact "ins/party/identifier-status.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:IdentifierSystem a owl:Class ; rdfs:label "IdentifierSystem"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of identifier system values"@en ; rdfs:comment "Enumeration of identifier system values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#IdentifierSystem" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:IdentifierType a owl:Class ; rdfs:label "IdentifierType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of identifier type values"@en ; rdfs:comment "Enumeration of identifier type values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#IdentifierType" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:IndemnityPeriod a owl:Class ; rdfs:label "IndemnityPeriod"@en ; rdfs:subClassOf gist:Duration ; skos:definition "Base class for indemnity periods (value + unit). Subclassed by pandc:MarineIndemnityPeriod (field 90). Decision: NW."@en ; rdfs:comment "Base class for indemnity periods (value + unit). Subclassed by pandc:MarineIndemnityPeriod (field 90). Decision: NW."@en ; ec:legacyIRI "https://chubb.com/ontology/ins#IndemnityPeriod" ; ec:sourceArtifact "ins/coverage/indemnity-period.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:IndicationDocument a owl:Class ; rdfs:label "IndicationDocument"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Preliminary pricing indication document showing estimated premium ranges"@en ; rdfs:comment "Preliminary pricing indication document showing estimated premium ranges"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#IndicationDocument" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:IndustryPractice a owl:Class ; rdfs:label "IndustryPractice"@en ; rdfs:subClassOf gist:Category ; skos:definition "Chubb-internal classification of the insured's industry of business, distinct from standard coding schemes"@en ; rdfs:comment "Chubb-internal classification of the insured's industry of business, distinct from standard coding schemes"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#IndustryPractice" ; ec:sourceArtifact "ins/classification/business-classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:InformationalRequest a owl:Class ; rdfs:label "InformationalRequest"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Request for additional information from insured or broker"@en ; rdfs:comment "Request for additional information from insured or broker"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#InformationalRequest" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:InspectionReport a owl:Class ; rdfs:label "InspectionReport"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Physical property inspection report with photos and risk assessment"@en ; rdfs:comment "Physical property inspection report with photos and risk assessment"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#InspectionReport" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:InsurableInterest a owl:Class ; rdfs:label "InsurableInterest"@en ; rdfs:subClassOf owl:Thing ; skos:definition "An interest that can be insured against loss"@en ; rdfs:comment "An interest that can be insured against loss"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#InsurableInterest" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:InsuranceCoverage a owl:Class ; rdfs:label "InsuranceCoverage"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for insurance coverage"@en ; rdfs:comment "Abstract base class for insurance coverage"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#InsuranceCoverage" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:InsuranceDocument a owl:Class ; rdfs:label "InsuranceDocument"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for insurance documents"@en ; rdfs:comment "Abstract base class for insurance documents"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#InsuranceDocument" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:LEIIdentifier a owl:Class ; rdfs:label "LEIIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "ISO 17442 Legal Entity Identifier for financial entities"@en ; rdfs:comment "ISO 17442 Legal Entity Identifier for financial entities"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#LEIIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Limit a owl:Class ; rdfs:label "Limit"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "Maximum amount payable under a coverage"@en ; rdfs:comment "Maximum amount payable under a coverage"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Limit" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:LimitType a owl:Class ; rdfs:label "LimitType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of coverage limit types"@en ; rdfs:comment "Classification of coverage limit types"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#LimitType" ; ec:sourceArtifact "pandc/coverage/limit-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:LimitValueMeasureType a owl:Class ; rdfs:label "LimitValueMeasureType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary indicating how a limit value is measured (e.g. fixed monetary amount, percentage of another value)"@en ; rdfs:comment "Controlled vocabulary indicating how a limit value is measured (e.g. fixed monetary amount, percentage of another value)"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#LimitValueMeasureType" ; ec:sourceArtifact "pandc/coverage/limit.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Location a owl:Class ; rdfs:label "Location"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for insurable locations"@en ; rdfs:comment "Abstract base class for insurable locations"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Location" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:acordAlignment "ACORD Location" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:LossHistory a owl:Class ; rdfs:label "LossHistory"@en ; rdfs:subClassOf gist:HistoricalEvent ; skos:definition "A record of past insurance claims and losses for a party or risk"@en ; rdfs:comment "A record of past insurance claims and losses for a party or risk"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#LossHistory" ; ec:sourceArtifact "ins/loss-history/loss-history.jsonld" ; ec:acordAlignment "ACORD Loss / LossHistory" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: lossClaimNumber, lossNumber, lossPolicyNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:LossHistory owl:hasKey ( ins:lossClaimNumber ins:lossNumber ins:lossPolicyNumber ) . ins:LossHistorySummary a owl:Class ; rdfs:label "LossHistorySummary"@en ; rdfs:subClassOf gist:Collection ; skos:definition "An aggregate summary of prior loss experience for a party or risk, comprising statistical totals and counts across a set"@en ; rdfs:comment "An aggregate summary of prior loss experience for a party or risk, comprising statistical totals and counts across a set"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#LossHistorySummary" ; ec:sourceArtifact "ins/loss-history/loss-history.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:LossRunReport a owl:Class ; rdfs:label "LossRunReport"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Historical claims and loss experience report from prior carrier"@en ; rdfs:comment "Historical claims and loss experience report from prior carrier"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#LossRunReport" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:MasterProducerIdentifier a owl:Class ; rdfs:label "MasterProducerIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Master producer number used to group several producer codes"@en ; rdfs:comment "Master producer number used to group several producer codes"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#MasterProducerIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:MonetaryAmount a owl:Class ; rdfs:label "MonetaryAmount"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Referenced by the source LDM but never defined (dangling IRI). Declared here as a stub so the graph resolves."@en ; rdfs:comment "Referenced by the source LDM but never defined (dangling IRI). Declared here as a stub so the graph resolves."@en ; ec:module "Insurance Common" ; ec:dataQualityFlag "DANGLING-IRI: referenced by the source LDM but never defined." ; ec:conformance "Non-conformant - stub" ; rdfs:isDefinedBy . ins:NAICCompanyCodeIdentifier a owl:Class ; rdfs:label "NAICCompanyCodeIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "5-digit code assigned by the National Association of Insurance Commissioners"@en ; rdfs:comment "5-digit code assigned by the National Association of Insurance Commissioners"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#NAICCompanyCodeIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:NAICSCode a owl:Class ; rdfs:label "NAICSCode"@en ; rdfs:subClassOf owl:Thing ; skos:definition "North American Industry Classification System code"@en ; rdfs:comment "North American Industry Classification System code"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#NAICSCode" ; ec:sourceArtifact "ins/classification/naics-code.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: naicsCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:NAICSCode owl:hasKey ( ins:naicsCode ) . ins:NAICSIdentifier a owl:Class ; rdfs:label "NAICSIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "North American Industry Classification System code"@en ; rdfs:comment "North American Industry Classification System code"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#NAICSIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:NIPRProducerIdentifier a owl:Class ; rdfs:label "NIPRProducerIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "National Producer Code assigned by NIPR (National Insurance Producer Registry)"@en ; rdfs:comment "National Producer Code assigned by NIPR (National Insurance Producer Registry)"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#NIPRProducerIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:NamedInsured a owl:Class ; rdfs:label "NamedInsured"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Primary insured party explicitly named on the policy"@en ; rdfs:comment "Primary insured party explicitly named on the policy"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#NamedInsured" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:NationalIdIdentifier a owl:Class ; rdfs:label "NationalIdIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Country-specific national business identifier"@en ; rdfs:comment "Country-specific national business identifier"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#NationalIdIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:OccupancyClassification a owl:Class ; rdfs:label "OccupancyClassification"@en ; rdfs:subClassOf ins:Classification ; skos:definition "Building occupancy type classifications"@en ; rdfs:comment "Building occupancy type classifications"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#OccupancyClassification" ; ec:sourceArtifact "ins/classification/occupancy-classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Organization a owl:Class ; rdfs:label "Organization"@en ; rdfs:subClassOf ins:Party ; skos:definition "Legal entity organization that can be a party to insurance contracts"@en ; rdfs:comment "Legal entity organization that can be a party to insurance contracts"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Organization" ; ec:sourceArtifact "ins/party/organization.jsonld" ; ec:fiboAlignment "fibo-be-le-lp:LegalPerson" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: dunsNumber, hasDnBCreditCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Organization owl:hasKey ( ins:dunsNumber ins:hasDnBCreditCode ) . ins:PALISProducerIdentifier a owl:Class ; rdfs:label "PALISProducerIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Producer number from the legacy PALIS Producer system"@en ; rdfs:comment "Producer number from the legacy PALIS Producer system"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PALISProducerIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . ins:PASProducerIdentifier a owl:Class ; rdfs:label "PASProducerIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Producer identifier assigned in the PAS Producer system"@en ; rdfs:comment "Producer identifier assigned in the PAS Producer system"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PASProducerIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PMSProducerIdentifier a owl:Class ; rdfs:label "PMSProducerIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Producer number from the legacy PALIS Producer system"@en ; rdfs:comment "Producer number from the legacy PALIS Producer system"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PMSProducerIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Party a owl:Class ; rdfs:label "Party"@en ; rdfs:subClassOf gist:Category ; skos:definition "Abstract supertype for all parties in insurance transactions (polymorphic: Organization or Person)"@en ; rdfs:comment "Abstract supertype for all parties in insurance transactions (polymorphic: Organization or Person)"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Party" ; ec:sourceArtifact "ins/party/party.jsonld" ; ec:acordAlignment "ACORD Party / GeneralPartyInfo" ; ec:fiboAlignment "fibo-fnd-pty-pty:Party" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: partyNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Party owl:hasKey ( ins:partyNumber ) . ins:PartyAddress a owl:Class ; rdfs:label "PartyAddress"@en ; rdfs:subClassOf ins:Address ; skos:definition "Physical or mailing address associated with a party with validation support"@en ; rdfs:comment "Physical or mailing address associated with a party with validation support"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyAddress" ; ec:sourceArtifact "ins/party/party-address.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: countryCode, hasPostalCode, stateCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:PartyAddress owl:hasKey ( ins:countryCode ins:hasPostalCode ins:stateCode ) . ins:PartyContactInfo a owl:Class ; rdfs:label "PartyContactInfo"@en ; rdfs:subClassOf schema:ContactPoint ; skos:definition "Contact information for a party including phone, email, fax with validation and preferences"@en ; rdfs:comment "Contact information for a party including phone, email, fax with validation and preferences"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyContactInfo" ; ec:sourceArtifact "ins/party/party-contact-info.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PartyIdentifier a owl:Class ; rdfs:label "PartyIdentifier"@en ; rdfs:subClassOf gist:Identifier ; skos:definition "External system identifier for a party entity"@en ; rdfs:comment "External system identifier for a party entity"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PartyRelationship a owl:Class ; rdfs:label "PartyRelationship"@en ; rdfs:subClassOf gist:Relationship ; skos:definition "Defines relationships between two parties with ownership and temporal context"@en ; rdfs:comment "Defines relationships between two parties with ownership and temporal context"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyRelationship" ; ec:sourceArtifact "ins/party/party-relationship.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PartyRelationshipType a owl:Class ; rdfs:label "PartyRelationshipType"@en ; rdfs:subClassOf owl:Thing ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyRelationshipType" ; ec:sourceArtifact "ins/party/party-relationship.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PartyRole a owl:Class ; rdfs:label "PartyRole"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A specific role that a party plays in an insurance context with temporal validity"@en ; rdfs:comment "A specific role that a party plays in an insurance context with temporal validity"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyRole" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: roleCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:PartyRole owl:hasKey ( ins:roleCode ) . ins:PartyStatus a owl:Class ; rdfs:label "PartyStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of party status values"@en ; rdfs:comment "Enumeration of party status values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyStatus" ; ec:sourceArtifact "ins/party/party.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PartyType a owl:Class ; rdfs:label "PartyType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of party type values"@en ; rdfs:comment "Enumeration of party type values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PartyType" ; ec:sourceArtifact "ins/party/party.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PaymentType a owl:Class ; rdfs:label "PaymentType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of claim payment types (Indemnity, ALAE, Defense, etc.)"@en ; rdfs:comment "Classification of claim payment types (Indemnity, ALAE, Defense, etc.)"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PaymentType" ; ec:sourceArtifact "ins/claim/claim-payment.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Person a owl:Class ; rdfs:label "Person"@en ; rdfs:subClassOf gist:Person ; skos:definition "Individual person that can be a party to insurance contracts"@en ; rdfs:comment "Individual person that can be a party to insurance contracts"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Person" ; ec:sourceArtifact "ins/party/person.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Policy a owl:Class ; rdfs:label "Policy"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "A legally binding insurance contract that defines coverage, limits, deductibles, conditions, and premium obligations bet"@en ; rdfs:comment "A legally binding insurance contract that defines coverage, limits, deductibles, conditions, and premium obligations bet"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Policy" ; ec:sourceArtifact "ins/policy/policy.jsonld" ; ec:acordAlignment "ACORD PolicySummary / Policy aggregate" ; ec:fiboAlignment "fibo-fnd-agr-ctr:Contract (insurance policy is a contract; FIBO has no Policy class)" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: policyFormNumber, policyNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Policy owl:hasKey ( ins:policyFormNumber ins:policyNumber ) . ins:PolicyDeductible a owl:Class ; rdfs:label "PolicyDeductible"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base for policy deductible provisions"@en ; rdfs:comment "Abstract base for policy deductible provisions"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PolicyDeductible" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PolicyStatus a owl:Class ; rdfs:label "PolicyStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Lifecycle status of an insurance policy"@en ; rdfs:comment "Lifecycle status of an insurance policy"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PolicyStatus" ; ec:sourceArtifact "ins/policy/policy-status.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PolicyTerm a owl:Class ; rdfs:label "PolicyTerm"@en ; rdfs:subClassOf owl:Thing ; skos:definition "The period during which a policy is in effect"@en ; rdfs:comment "The period during which a policy is in effect"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PolicyTerm" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PortfolioClass a owl:Class ; rdfs:label "PortfolioClass"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Underwriting quality tier of an Account (drives service model, pricing authority, appetite). Sourced from PortfolioClass"@en ; rdfs:comment "Underwriting quality tier of an Account (drives service model, pricing authority, appetite). Sourced from PortfolioClass"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PortfolioClass" ; ec:sourceArtifact "ins/account/account.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PremiumCalculation a owl:Class ; rdfs:label "PremiumCalculation"@en ; rdfs:subClassOf ins:RatingProcess ; skos:definition "The process of calculating premium amounts"@en ; rdfs:comment "The process of calculating premium amounts"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PremiumCalculation" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PremiumInstallmentFrequency a owl:Class ; rdfs:label "PremiumInstallmentFrequency"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "The frequency at which premium instalments are billed and collected for a policy. Controlled value set consistent with c"@en ; rdfs:comment "The frequency at which premium instalments are billed and collected for a policy. Controlled value set consistent with c"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PremiumInstallmentFrequency" ; ec:sourceArtifact "ins/policy/premium-installment-frequency.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:PremiumType a owl:Class ; rdfs:label "PremiumType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of the source from whom premium is collected: from the Leader/Cedant (co-insurance/reinsurance) or direct"@en ; rdfs:comment "Classification of the source from whom premium is collected: from the Leader/Cedant (co-insurance/reinsurance) or direct"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#PremiumType" ; ec:sourceArtifact "ins/policy/premium-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ProducerAppointment a owl:Class ; rdfs:label "ProducerAppointment"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "Formal appointment of a producer with an insurance carrier including commission and authority"@en ; rdfs:comment "Formal appointment of a producer with an insurance carrier including commission and authority"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ProducerAppointment" ; ec:sourceArtifact "ins/party/producer-appointment.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: appointmentNumber, carrierCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:ProducerAppointment owl:hasKey ( ins:appointmentNumber ins:carrierCode ) . ins:ProducerNumberIdentifier a owl:Class ; rdfs:label "ProducerNumberIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Producer Number from legacy L-Chubb Producer system"@en ; rdfs:comment "Producer Number from legacy L-Chubb Producer system"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ProducerNumberIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Product a owl:Class ; rdfs:label "Product"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for insurance products"@en ; rdfs:comment "Abstract base class for insurance products"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Product" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Quote a owl:Class ; rdfs:label "Quote"@en ; rdfs:subClassOf gist:Commitment ; skos:definition "A formal offer of insurance coverage with complete underwriting and pricing details"@en ; rdfs:comment "A formal offer of insurance coverage with complete underwriting and pricing details"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Quote" ; ec:sourceArtifact "ins/quote/quote.jsonld" ; ec:acordAlignment "ACORD Quote / QuoteInfo" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: hasQuoteNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Quote owl:hasKey ( ins:hasQuoteNumber ) . ins:QuoteDocument a owl:Class ; rdfs:label "QuoteDocument"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Formal quote presentation document with complete coverage terms and pricing"@en ; rdfs:comment "Formal quote presentation document with complete coverage terms and pricing"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#QuoteDocument" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:QuoteStatus a owl:Class ; rdfs:label "QuoteStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Current internal workflow status of the quote within carrier systems"@en ; rdfs:comment "Current internal workflow status of the quote within carrier systems"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#QuoteStatus" ; ec:sourceArtifact "ins/quote/quote-status.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:QuoteType a owl:Class ; rdfs:label "QuoteType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of quote based on business transaction type"@en ; rdfs:comment "Classification of quote based on business transaction type"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#QuoteType" ; ec:sourceArtifact "ins/quote/quote-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Rating a owl:Class ; rdfs:label "Rating"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract base class for rating concepts"@en ; rdfs:comment "Abstract base class for rating concepts"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Rating" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RatingAdjustment a owl:Class ; rdfs:label "RatingAdjustment"@en ; rdfs:subClassOf owl:Thing ; skos:definition "An adjustment applied during rating"@en ; rdfs:comment "An adjustment applied during rating"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RatingAdjustment" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RatingFactor a owl:Class ; rdfs:label "RatingFactor"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A factor used in premium rating calculations"@en ; rdfs:comment "A factor used in premium rating calculations"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RatingFactor" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RatingProcess a owl:Class ; rdfs:label "RatingProcess"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A process for calculating insurance premiums"@en ; rdfs:comment "A process for calculating insurance premiums"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RatingProcess" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReferralReason a owl:Class ; rdfs:label "ReferralReason"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "UW referral reason enum. Sourced from ReferralReason (field 274) integer codes (2=RateChange, 9=Capacity, 3=Other) mappe"@en ; rdfs:comment "UW referral reason enum. Sourced from ReferralReason (field 274) integer codes (2=RateChange, 9=Capacity, 3=Other) mappe"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReferralReason" ; ec:sourceArtifact "ins/quote/referral-reason.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReferralUnderwriterRole a owl:Class ; rdfs:label "ReferralUnderwriterRole"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "PartyRole junction for the underwriter to whom a risk is referred. Follows the ins:SubmissionPartyRole pattern. Source f"@en ; rdfs:comment "PartyRole junction for the underwriter to whom a risk is referred. Follows the ins:SubmissionPartyRole pattern. Source f"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReferralUnderwriterRole" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReinsuranceAgreement a owl:Class ; rdfs:label "ReinsuranceAgreement"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "An agreement transferring insurance risk from a primary insurer to a reinsurer"@en ; rdfs:comment "An agreement transferring insurance risk from a primary insurer to a reinsurer"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReinsuranceAgreement" ; ec:sourceArtifact "ins/reinsurance/reinsurance-agreement.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: treatyNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:ReinsuranceAgreement owl:hasKey ( ins:treatyNumber ) . ins:ReinsuranceClaim a owl:Class ; rdfs:label "ReinsuranceClaim"@en ; rdfs:subClassOf gist:Event ; skos:definition "A recovery claim submitted by the cedent to the reinsurer for losses exceeding retention"@en ; rdfs:comment "A recovery claim submitted by the cedent to the reinsurer for losses exceeding retention"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReinsuranceClaim" ; ec:sourceArtifact "ins/reinsurance/reinsurance-claim.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReinsuranceStatus a owl:Class ; rdfs:label "ReinsuranceStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Lifecycle status of a reinsurance agreement"@en ; rdfs:comment "Lifecycle status of a reinsurance agreement"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReinsuranceStatus" ; ec:sourceArtifact "ins/reinsurance/reinsurance-status.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReinsuranceStructure a owl:Class ; rdfs:label "ReinsuranceStructure"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of reinsurance agreements by proportional vs non-proportional structure"@en ; rdfs:comment "Classification of reinsurance agreements by proportional vs non-proportional structure"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReinsuranceStructure" ; ec:sourceArtifact "ins/reinsurance/reinsurance-structure.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReinsuranceType a owl:Class ; rdfs:label "ReinsuranceType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of reinsurance agreements by arrangement type"@en ; rdfs:comment "Classification of reinsurance agreements by arrangement type"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReinsuranceType" ; ec:sourceArtifact "ins/reinsurance/reinsurance-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RenewalType a owl:Class ; rdfs:label "RenewalType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of renewal processing approaches"@en ; rdfs:comment "Classification of renewal processing approaches"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RenewalType" ; ec:sourceArtifact "ins/quote/renewal-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:ReviewStatus a owl:Class ; rdfs:label "ReviewStatus"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Status of a review process"@en ; rdfs:comment "Status of a review process"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ReviewStatus" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Risk a owl:Class ; rdfs:label "Risk"@en ; rdfs:subClassOf owl:Thing ; skos:definition "An exposure to potential loss"@en ; rdfs:comment "An exposure to potential loss"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Risk" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RiskAppetite a owl:Class ; rdfs:label "RiskAppetite"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Risk thresholds and underwriting criteria defining the range of risks a carrier will accept."@en ; rdfs:comment "Risk thresholds and underwriting criteria defining the range of risks a carrier will accept."@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RiskAppetite" ; ec:sourceArtifact "ins/insurance-abstractions/risk-appetite.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: riskAppetiteId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:RiskAppetite owl:hasKey ( ins:riskAppetiteId ) . ins:RiskAssessment a owl:Class ; rdfs:label "RiskAssessment"@en ; rdfs:subClassOf gist:Event ; skos:definition "An evaluation of the risk profile associated with an insurance submission or quote"@en ; rdfs:comment "An evaluation of the risk profile associated with an insurance submission or quote"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RiskAssessment" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RiskClassification a owl:Class ; rdfs:label "RiskClassification"@en ; rdfs:subClassOf ins:Classification ; skos:definition "Risk-based classification categories"@en ; rdfs:comment "Risk-based classification categories"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RiskClassification" ; ec:sourceArtifact "ins/classification/risk-classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: riskClassificationCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:RiskClassification owl:hasKey ( ins:riskClassificationCode ) . ins:RoleContext a owl:Class ; rdfs:label "RoleContext"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of role context values"@en ; rdfs:comment "Enumeration of role context values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RoleContext" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:RoleStatus a owl:Class ; rdfs:label "RoleStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of role status values"@en ; rdfs:comment "Enumeration of role status values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#RoleStatus" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SICCode a owl:Class ; rdfs:label "SICCode"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Standard Industrial Classification code (legacy system)"@en ; rdfs:comment "Standard Industrial Classification code (legacy system)"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SICCode" ; ec:sourceArtifact "ins/classification/sic-code.jsonld" ; ec:module "Insurance Common" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . ins:SafetyManual a owl:Class ; rdfs:label "SafetyManual"@en ; rdfs:subClassOf ins:Attachment ; skos:definition "Company safety program documentation and procedures"@en ; rdfs:comment "Company safety program documentation and procedures"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SafetyManual" ; ec:sourceArtifact "ins/quote/attachment-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SalesPerson a owl:Class ; rdfs:label "SalesPerson"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "A party performing the sales-person role — the individual responsible for placing the policy with the insured, used for"@en ; rdfs:comment "A party performing the sales-person role — the individual responsible for placing the policy with the insured, used for"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SalesPerson" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Schedule a owl:Class ; rdfs:label "Schedule"@en ; rdfs:subClassOf gist:Collection ; skos:definition "A named, ordered listing of items (locations, properties, vehicles, hazards, forms, or underlying policies) that a Cover"@en ; rdfs:comment "A named, ordered listing of items (locations, properties, vehicles, hazards, forms, or underlying policies) that a Cover"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Schedule" ; ec:sourceArtifact "ins/schedule/schedule.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: scheduleId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Schedule owl:hasKey ( ins:scheduleId ) . ins:ScheduleItem a owl:Class ; rdfs:label "ScheduleItem"@en ; rdfs:subClassOf gist:Specification ; skos:definition "A single line item within a Schedule, representing one insured entity (e.g., one building on an SOV, one scheduled artic"@en ; rdfs:comment "A single line item within a Schedule, representing one insured entity (e.g., one building on an SOV, one scheduled artic"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#ScheduleItem" ; ec:sourceArtifact "ins/schedule/schedule.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: scheduleItemNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:ScheduleItem owl:hasKey ( ins:scheduleItemNumber ) . ins:SourceMethod a owl:Class ; rdfs:label "SourceMethod"@en ; rdfs:subClassOf gist:Category ; skos:definition "Business origination and trading methodologies"@en ; rdfs:comment "Business origination and trading methodologies"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SourceMethod" ; ec:sourceArtifact "ins/quote/source-method.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SourceSystem a owl:Class ; rdfs:label "SourceSystem"@en ; rdfs:subClassOf gist:Application ; skos:definition "Insurance platform and system identifiers for policy administration and rating"@en ; rdfs:comment "Insurance platform and system identifiers for policy administration and rating"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SourceSystem" ; ec:sourceArtifact "ins/quote/source-system.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Sponsor a owl:Class ; rdfs:label "Sponsor"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Bancassurance partner, affinity group, or institutional entity providing distribution channel or endorsement for insuran"@en ; rdfs:comment "Bancassurance partner, affinity group, or institutional entity providing distribution channel or endorsement for insuran"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Sponsor" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:StateProvince a owl:Class ; rdfs:label "StateProvince"@en ; rdfs:subClassOf gist:Category ; skos:definition "State or province administrative divisions"@en ; rdfs:comment "State or province administrative divisions"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#StateProvince" ; ec:sourceArtifact "ins/party/state-province.jsonld" ; ec:fiboAlignment "lcc-3166-2:CountrySubdivision (OMG LCC)" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:StateRegistrationIdentifier a owl:Class ; rdfs:label "StateRegistrationIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "State-level business registration or incorporation number"@en ; rdfs:comment "State-level business registration or incorporation number"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#StateRegistrationIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:StreetType a owl:Class ; rdfs:label "StreetType"@en ; rdfs:subClassOf skos:Concept ; skos:definition "USPS standardized street type abbreviations"@en ; rdfs:comment "USPS standardized street type abbreviations"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#StreetType" ; ec:sourceArtifact "ins/party/party-supplement.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:StructuredSubmission a owl:Class ; rdfs:label "StructuredSubmission"@en ; rdfs:subClassOf ins:Submission ; skos:definition "Submission with complete, validated JSON-LD data received via API or web portal. All required fields are populated at su"@en ; rdfs:comment "Submission with complete, validated JSON-LD data received via API or web portal. All required fields are populated at su"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#StructuredSubmission" ; ec:sourceArtifact "ins/submission/submission.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SubProducerNumberIdentifier a owl:Class ; rdfs:label "SubProducerNumberIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Sub Producer Number from legacy L-Chubb Producer system"@en ; rdfs:comment "Sub Producer Number from legacy L-Chubb Producer system"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubProducerNumberIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Sublimit a owl:Class ; rdfs:label "Sublimit"@en ; rdfs:subClassOf ins:Limit ; skos:definition "A limit within the main aggregate, eroding capacity. Loss category discriminated via ins:limitType; aggregate vs per-cla"@en ; rdfs:comment "A limit within the main aggregate, eroding capacity. Loss category discriminated via ins:limitType; aggregate vs per-cla"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Sublimit" ; ec:sourceArtifact "ins/policy/policy.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Submission a owl:Class ; rdfs:label "Submission"@en ; rdfs:subClassOf gist:Request ; skos:definition "Initial request for insurance coverage with risk information, preceding the quote generation process"@en ; rdfs:comment "Initial request for insurance coverage with risk information, preceding the quote generation process"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Submission" ; ec:sourceArtifact "ins/submission/submission.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: hasSubmissionNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . ins:Submission owl:hasKey ( ins:hasSubmissionNumber ) . ins:SubmissionCategory a owl:Class ; rdfs:label "SubmissionCategory"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of submission format distinguishing structured data from unstructured documents"@en ; rdfs:comment "Classification of submission format distinguishing structured data from unstructured documents"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubmissionCategory" ; ec:sourceArtifact "ins/submission/submission-category.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SubmissionPartyRole a owl:Class ; rdfs:label "SubmissionPartyRole"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Associates a party with a submission in a specific role capacity"@en ; rdfs:comment "Associates a party with a submission in a specific role capacity"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubmissionPartyRole" ; ec:sourceArtifact "ins/submission/submission-party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SubmissionRoleType a owl:Class ; rdfs:label "SubmissionRoleType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of party role types for insurance submissions"@en ; rdfs:comment "Enumeration of party role types for insurance submissions"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubmissionRoleType" ; ec:sourceArtifact "ins/submission/submission-role-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SubmissionSource a owl:Class ; rdfs:label "SubmissionSource"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of channels through which an insurance submission can be received"@en ; rdfs:comment "Enumeration of channels through which an insurance submission can be received"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubmissionSource" ; ec:sourceArtifact "ins/submission/submission-source.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SubmissionStatus a owl:Class ; rdfs:label "SubmissionStatus"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of lifecycle states for an insurance submission from initial receipt through final disposition"@en ; rdfs:comment "Enumeration of lifecycle states for an insurance submission from initial receipt through final disposition"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubmissionStatus" ; ec:sourceArtifact "ins/submission/submission-status.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SubmissionType a owl:Class ; rdfs:label "SubmissionType"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Classification of insurance submission types such as new business, renewal, or endorsement"@en ; rdfs:comment "Classification of insurance submission types such as new business, renewal, or endorsement"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SubmissionType" ; ec:sourceArtifact "ins/submission/submission-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Subrogation a owl:Class ; rdfs:label "Subrogation"@en ; rdfs:subClassOf gist:Event ; skos:definition "A recovery action where the insurer pursues a third party responsible for the loss"@en ; rdfs:comment "A recovery action where the insurer pursues a third party responsible for the loss"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Subrogation" ; ec:sourceArtifact "ins/claim/claim.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Surcharge a owl:Class ; rdfs:label "Surcharge"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "Additional charge applied to base premium for adverse risk characteristics"@en ; rdfs:comment "Additional charge applied to base premium for adverse risk characteristics"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Surcharge" ; ec:sourceArtifact "ins/quote/surcharge.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:SurchargeType a owl:Class ; rdfs:label "SurchargeType"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Classification of premium surcharge types applied to adjust pricing for specific risk conditions"@en ; rdfs:comment "Classification of premium surcharge types applied to adjust pricing for specific risk conditions"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#SurchargeType" ; ec:sourceArtifact "ins/quote/surcharge-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:TTSCode a owl:Class ; rdfs:label "TTSCode"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Territory-Trade-Size classification code used for market segmentation and distribution strategy in commercial insurance"@en ; rdfs:comment "Territory-Trade-Size classification code used for market segmentation and distribution strategy in commercial insurance"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#TTSCode" ; ec:sourceArtifact "ins/classification/tts-code.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:TaxExemptionType a owl:Class ; rdfs:label "TaxExemptionType"@en ; rdfs:subClassOf gist:Category ; skos:definition "A controlled-vocabulary classification of the insured's tax-exempt status applicable to an insurance quote or policy, de"@en ; rdfs:comment "A controlled-vocabulary classification of the insured's tax-exempt status applicable to an insurance quote or policy, de"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#TaxExemptionType" ; ec:sourceArtifact "ins/quote/tax-exemption-type.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:TaxIdType a owl:Class ; rdfs:label "TaxIdType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of tax id type values"@en ; rdfs:comment "Enumeration of tax id type values"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#TaxIdType" ; ec:sourceArtifact "ins/party/party.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:TechnicalRateSystem a owl:Class ; rdfs:label "TechnicalRateSystem"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of technical rating systems used for premium calculation"@en ; rdfs:comment "Classification of technical rating systems used for premium calculation"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#TechnicalRateSystem" ; ec:sourceArtifact "ins/quote/technical-rate-system.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:TerritoryClassification a owl:Class ; rdfs:label "TerritoryClassification"@en ; rdfs:subClassOf ins:Classification ; skos:definition "Geographic territory classifications for rating"@en ; rdfs:comment "Geographic territory classifications for rating"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#TerritoryClassification" ; ec:sourceArtifact "ins/classification/territory-classification.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:Underwriter a owl:Class ; rdfs:label "Underwriter"@en ; rdfs:subClassOf ins:PartyRole ; skos:definition "Insurance underwriter evaluating and pricing risks"@en ; rdfs:comment "Insurance underwriter evaluating and pricing risks"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#Underwriter" ; ec:sourceArtifact "ins/party/party-role.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:UnderwritingAction a owl:Class ; rdfs:label "UnderwritingAction"@en ; rdfs:subClassOf owl:Thing ; skos:definition "An action taken during underwriting"@en ; rdfs:comment "An action taken during underwriting"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#UnderwritingAction" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:UnderwritingFactor a owl:Class ; rdfs:label "UnderwritingFactor"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A factor considered in underwriting decisions"@en ; rdfs:comment "A factor considered in underwriting decisions"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#UnderwritingFactor" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:UnderwritingMethod a owl:Class ; rdfs:label "UnderwritingMethod"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of the underwriting method used to place the policy"@en ; rdfs:comment "Classification of the underwriting method used to place the policy"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#UnderwritingMethod" ; ec:sourceArtifact "ins/policy/policy.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:UnderwritingRule a owl:Class ; rdfs:label "UnderwritingRule"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A rule applied during underwriting evaluation"@en ; rdfs:comment "A rule applied during underwriting evaluation"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#UnderwritingRule" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:UnstructuredSubmission a owl:Class ; rdfs:label "UnstructuredSubmission"@en ; rdfs:subClassOf ins:Submission ; skos:definition "Submission requiring extraction and parsing from documents or emails. Data is embedded in documents or email body and re"@en ; rdfs:comment "Submission requiring extraction and parsing from documents or emails. Data is embedded in documents or email body and re"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#UnstructuredSubmission" ; ec:sourceArtifact "ins/submission/submission.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:VATIdentifier a owl:Class ; rdfs:label "VATIdentifier"@en ; rdfs:subClassOf ins:PartyIdentifier ; skos:definition "Value Added Tax identification number (European Union)"@en ; rdfs:comment "Value Added Tax identification number (European Union)"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#VATIdentifier" ; ec:sourceArtifact "ins/party/party-identifier.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ins:WorkflowStage a owl:Class ; rdfs:label "WorkflowStage"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A stage in an insurance workflow"@en ; rdfs:comment "A stage in an insurance workflow"@en ; ec:legacyIRI "https://chubb.com/ontology/ins#WorkflowStage" ; ec:sourceArtifact "ins/insurance-abstractions/insurance-abstractions.jsonld" ; ec:module "Insurance Common" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AccountCredit a owl:Class ; rdfs:label "AccountCredit"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "Premium adjustment based on overall account characteristics such as size, longevity, or multi-location presence"@en ; rdfs:comment "Premium adjustment based on overall account characteristics such as size, longevity, or multi-location presence"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AccountCredit" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AccountsReceivableCoverage a owl:Class ; rdfs:label "AccountsReceivableCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for inability to collect accounts receivable due to loss of records from covered peril. Per-location limit."@en ; rdfs:comment "Coverage for inability to collect accounts receivable due to loss of records from covered peril. Per-location limit."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AccountsReceivableCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:AdditionalLimit a owl:Class ; rdfs:label "AdditionalLimit"@en ; rdfs:subClassOf ins:Limit ; skos:definition "A limit above the main aggregate, payable only after exhaustion. Linked from pandc:Coverage via ins:hasLimit; scoped via"@en ; rdfs:comment "A limit above the main aggregate, payable only after exhaustion. Linked from pandc:Coverage via ins:hasLimit; scoped via"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AdditionalLimit" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AddressCategory a owl:Class ; rdfs:label "AddressCategory"@en ; rdfs:subClassOf gist:Category ; skos:definition "Type classification for addresses based on business usage"@en ; rdfs:comment "Type classification for addresses based on business usage"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AddressCategory" ; ec:sourceArtifact "pandc/location/address-category.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AdjacentOccupancy a owl:Class ; rdfs:label "AdjacentOccupancy"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "Occupancy of adjacent properties that may affect risk"@en ; rdfs:comment "Occupancy of adjacent properties that may affect risk"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AdjacentOccupancy" ; ec:sourceArtifact "pandc/building/adjacent-occupancy.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AdministrativeMitigation a owl:Class ; rdfs:label "AdministrativeMitigation"@en ; rdfs:subClassOf pandc:RiskMitigation ; skos:definition "Policies and procedures to reduce risk"@en ; rdfs:comment "Policies and procedures to reduce risk"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AdministrativeMitigation" ; ec:sourceArtifact "pandc/liability-exposure/risk-mitigation.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AggregateDeductible a owl:Class ; rdfs:label "AggregateDeductible"@en ; rdfs:subClassOf ins:Deductible ; skos:definition "Deductible that accumulates across multiple occurrences during the policy period"@en ; rdfs:comment "Deductible that accumulates across multiple occurrences during the policy period"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AggregateDeductible" ; ec:sourceArtifact "pandc/coverage/deductible.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AggregateLimit a owl:Class ; rdfs:label "AggregateLimit"@en ; rdfs:subClassOf ins:Limit ; skos:definition "Maximum payable during the policy period"@en ; rdfs:comment "Maximum payable during the policy period"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AggregateLimit" ; ec:sourceArtifact "pandc/coverage/limit.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:AppliedModifier a owl:Class ; rdfs:label "AppliedModifier"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "A rating modifier that has been applied in the final premium calculation. Mirrors pandc:UWRateOverride pattern. Inherits"@en ; rdfs:comment "A rating modifier that has been applied in the final premium calculation. Mirrors pandc:UWRateOverride pattern. Inherits"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AppliedModifier" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ApprovalAction a owl:Class ; rdfs:label "ApprovalAction"@en ; rdfs:subClassOf ins:UnderwritingAction ; skos:definition "UW action: an approval decision on a referred risk. Subclass of both ins:UnderwritingAction and prov:Activity (for prov:"@en ; rdfs:comment "UW action: an approval decision on a referred risk. Subclass of both ins:UnderwritingAction and prov:Activity (for prov:"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ApprovalAction" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:AreaExposure a owl:Class ; rdfs:label "AreaExposure"@en ; rdfs:subClassOf pandc:ExposureBasis ; skos:definition "Square footage based exposure measurement"@en ; rdfs:comment "Square footage based exposure measurement"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#AreaExposure" ; ec:sourceArtifact "pandc/liability-exposure/exposure-basis.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:BIIndemnityPeriod a owl:Class ; rdfs:label "BIIndemnityPeriod"@en ; rdfs:subClassOf ins:IndemnityPeriod ; skos:definition "Maximum business income indemnity period in months"@en ; rdfs:comment "Maximum business income indemnity period in months"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BIIndemnityPeriod" ; ec:sourceArtifact "pandc/property-exposure/bi-indemnity-period.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BaseRate a owl:Class ; rdfs:label "BaseRate"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "The foundational rate for a specific coverage, classification, and territory before application of rating factors and mo"@en ; rdfs:comment "The foundational rate for a specific coverage, classification, and territory before application of rating factors and mo"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BaseRate" ; ec:sourceArtifact "pandc/rating-plan/base-rate.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BlanketGroup a owl:Class ; rdfs:label "BlanketGroup"@en ; rdfs:subClassOf gist:Collection ; skos:definition "A logical grouping of insurable objects (buildings, locations, property categories) that share a single blanket limit an"@en ; rdfs:comment "A logical grouping of insurable objects (buildings, locations, property categories) that share a single blanket limit an"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BlanketGroup" ; ec:sourceArtifact "pandc/blanket/blanket-group.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BlanketLimit a owl:Class ; rdfs:label "BlanketLimit"@en ; rdfs:subClassOf ins:Limit ; skos:definition "Single limit applying across multiple locations, coverages, or property categories. Use ins:LimitType NIs (ins:Occurrenc"@en ; rdfs:comment "Single limit applying across multiple locations, coverages, or property categories. Use ins:LimitType NIs (ins:Occurrenc"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BlanketLimit" ; ec:sourceArtifact "pandc/coverage/limit.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BlanketPremium a owl:Class ; rdfs:label "BlanketPremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Premium calculated for a blanket group as a unit, based on the combined exposures of all member insurable objects under"@en ; rdfs:comment "Premium calculated for a blanket group as a unit, based on the combined exposures of all member insurable objects under"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BlanketPremium" ; ec:sourceArtifact "pandc/blanket/blanket-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Building a owl:Class ; rdfs:label "Building"@en ; rdfs:subClassOf schema:Building ; skos:definition "A permanent or semi-permanent structure used for commercial purposes, subject to property insurance coverage. Subject to"@en ; rdfs:comment "A permanent or semi-permanent structure used for commercial purposes, subject to property insurance coverage. Subject to"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Building" ; ec:sourceArtifact "pandc/building/building.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: buildingId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:Building owl:hasKey ( pandc:buildingId ) . pandc:BuildingCoverage a owl:Class ; rdfs:label "BuildingCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Commercial property coverage for physical structures including foundations, HVAC, and building systems. Rated and limite"@en ; rdfs:comment "Commercial property coverage for physical structures including foundations, HVAC, and building systems. Rated and limite"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BuildingCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:BuildingSystemType a owl:Class ; rdfs:label "BuildingSystemType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Types of building systems subject to updates"@en ; rdfs:comment "Types of building systems subject to updates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BuildingSystemType" ; ec:sourceArtifact "pandc/building/building-system-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BuildingSystemUpdate a owl:Class ; rdfs:label "BuildingSystemUpdate"@en ; rdfs:subClassOf gist:Event ; skos:definition "Record of major building system improvements and updates"@en ; rdfs:comment "Record of major building system improvements and updates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BuildingSystemUpdate" ; ec:sourceArtifact "pandc/building/building-system-update.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BusinessIncomeCoverage a owl:Class ; rdfs:label "BusinessIncomeCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Time element coverage for lost income and continuing expenses during business interruption from covered peril. Typically"@en ; rdfs:comment "Time element coverage for lost income and continuing expenses during business interruption from covered peril. Typically"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BusinessIncomeCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:BusinessOperation a owl:Class ; rdfs:label "BusinessOperation"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Business activities conducted at a specific location"@en ; rdfs:comment "Business activities conducted at a specific location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BusinessOperation" ; ec:sourceArtifact "pandc/location/location-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:BusinessPersonalPropertyCoverage a owl:Class ; rdfs:label "BusinessPersonalPropertyCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for contents, inventory, equipment, and fixtures not permanently attached to building. Rated per location."@en ; rdfs:comment "Coverage for contents, inventory, equipment, and fixtures not permanently attached to building. Rated per location."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#BusinessPersonalPropertyCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:CATLoadFactor a owl:Class ; rdfs:label "CATLoadFactor"@en ; rdfs:subClassOf pandc:TerritoryFactorClass ; skos:definition "Territorial adjustment for exposure to catastrophic perils (hurricane, earthquake, tornado, hail)"@en ; rdfs:comment "Territorial adjustment for exposure to catastrophic perils (hurricane, earthquake, tornado, hail)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CATLoadFactor" ; ec:sourceArtifact "pandc/rating-plan/cat-load-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:COPEAssessment a owl:Class ; rdfs:label "COPEAssessment"@en ; rdfs:subClassOf pandc:ExposureBasisRating ; skos:definition "Comprehensive evaluation of Construction, Occupancy, Protection, and Exposure characteristics for property rating"@en ; rdfs:comment "Comprehensive evaluation of Construction, Occupancy, Protection, and Exposure characteristics for property rating"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#COPEAssessment" ; ec:sourceArtifact "pandc/rating-plan/cope-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CatastropheSubLimitEntry a owl:Class ; rdfs:label "CatastropheSubLimitEntry"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A catastrophe-peril sub-limit schedule row on a Commercial Property policy that restricts coverage for a specified peril"@en ; rdfs:comment "A catastrophe-peril sub-limit schedule row on a Commercial Property policy that restricts coverage for a specified peril"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CatastropheSubLimitEntry" ; ec:sourceArtifact "pandc/cat-sublimit/cat-sublimit-entry.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CatastrophicRiskAssessment a owl:Class ; rdfs:label "CatastrophicRiskAssessment"@en ; rdfs:subClassOf pandc:RiskAssessment ; skos:definition "Peril-specific catastrophic risk assessment with PML estimates"@en ; rdfs:comment "Peril-specific catastrophic risk assessment with PML estimates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CatastrophicRiskAssessment" ; ec:sourceArtifact "pandc/location/catastrophic-risk-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CausesOfLossForm a owl:Class ; rdfs:label "CausesOfLossForm"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "ISO property coverage form defining scope of covered perils"@en ; rdfs:comment "ISO property coverage form defining scope of covered perils"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CausesOfLossForm" ; ec:sourceArtifact "pandc/product/causes-of-loss-form.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ClassificationCode a owl:Class ; rdfs:label "ClassificationCode"@en ; rdfs:subClassOf gist:Category ; skos:definition "A standardized code classifying the type of business operations or occupancy for rating purposes, based on similarity of"@en ; rdfs:comment "A standardized code classifying the type of business operations or occupancy for rating purposes, based on similarity of"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ClassificationCode" ; ec:sourceArtifact "pandc/rating-plan/classification-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ClassificationSystem a owl:Class ; rdfs:label "ClassificationSystem"@en ; rdfs:subClassOf ins:ClassificationSystem ; skos:definition "The standardization authority or system for classification codes"@en ; rdfs:comment "The standardization authority or system for classification codes"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ClassificationSystem" ; ec:sourceArtifact "pandc/rating-plan/classification-system.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ClauseAggregateRetention a owl:Class ; rdfs:label "ClauseAggregateRetention"@en ; rdfs:subClassOf pandc:SelfInsuredRetention ; skos:definition "Aggregate SIR cap per insuring clause. Properties: pandc:hasInsuringClause + pandc:hasJurisdictionalScope."@en ; rdfs:comment "Aggregate SIR cap per insuring clause. Properties: pandc:hasInsuringClause + pandc:hasJurisdictionalScope."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ClauseAggregateRetention" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoastalAssessment a owl:Class ; rdfs:label "CoastalAssessment"@en ; rdfs:subClassOf pandc:LocationRiskAssessment ; skos:definition "Coastal hazard assessment including storm surge and barrier island indicators"@en ; rdfs:comment "Coastal hazard assessment including storm surge and barrier island indicators"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoastalAssessment" ; ec:sourceArtifact "pandc/location/location-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoastalZoneAssessment a owl:Class ; rdfs:label "CoastalZoneAssessment"@en ; rdfs:subClassOf pandc:PerilAssessment ; skos:definition "Coastal hazard assessment including storm surge and barrier island indicators"@en ; rdfs:comment "Coastal hazard assessment including storm surge and barrier island indicators"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoastalZoneAssessment" ; ec:sourceArtifact "pandc/risk-location/coastal-zone-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoinsuranceProvision a owl:Class ; rdfs:label "CoinsuranceProvision"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Property insurance clause requiring insured to maintain coverage at specified percentage of property value or face penal"@en ; rdfs:comment "Property insurance clause requiring insured to maintain coverage at specified percentage of property value or face penal"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoinsuranceProvision" ; ec:sourceArtifact "pandc/rating-plan/coinsurance-provision.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: coinsuranceProvisionId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:CoinsuranceProvision owl:hasKey ( pandc:coinsuranceProvisionId ) . pandc:CommercialPropertyProduct a owl:Class ; rdfs:label "CommercialPropertyProduct"@en ; rdfs:subClassOf pandc:Product ; skos:definition "Insurance product covering physical damage to buildings, business personal property, and business income from covered pe"@en ; rdfs:comment "Insurance product covering physical damage to buildings, business personal property, and business income from covered pe"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CommercialPropertyProduct" ; ec:sourceArtifact "pandc/product/commercial-property-product.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ConditionalRequirement a owl:Class ; rdfs:label "ConditionalRequirement"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Complex eligibility rule with conditional logic based on multiple factors (e.g., if revenue > $5M and NAICS in list, the"@en ; rdfs:comment "Complex eligibility rule with conditional logic based on multiple factors (e.g., if revenue > $5M and NAICS in list, the"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ConditionalRequirement" ; ec:sourceArtifact "pandc/product-line/conditional-requirement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: conditionalRequirementId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:ConditionalRequirement owl:hasKey ( pandc:conditionalRequirementId ) . pandc:ConstructionClass a owl:Class ; rdfs:label "ConstructionClass"@en ; rdfs:subClassOf pandc:ConstructionFactor ; skos:definition "ISO construction class (1-6) indicating fire resistance based on structural materials and design"@en ; rdfs:comment "ISO construction class (1-6) indicating fire resistance based on structural materials and design"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ConstructionClass" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ConstructionFactor a owl:Class ; rdfs:label "ConstructionFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Property rating adjustment based on building construction characteristics affecting fire resistance and loss severity"@en ; rdfs:comment "Property rating adjustment based on building construction characteristics affecting fire resistance and loss severity"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ConstructionFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ConstructionTypeCode a owl:Class ; rdfs:label "ConstructionTypeCode"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of construction type codes used to classify building and infrastructure structural types"@en ; rdfs:comment "Enumeration of construction type codes used to classify building and infrastructure structural types"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ConstructionTypeCode" ; ec:sourceArtifact "pandc/building/construction-type-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ControlType a owl:Class ; rdfs:label "ControlType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Controlled vocabulary identifying which named cyber security control a CyberSecurityControl instance assesses (e.g. encr"@en ; rdfs:comment "Controlled vocabulary identifying which named cyber security control a CyberSecurityControl instance assesses (e.g. encr"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ControlType" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ConveyanceMode a owl:Class ; rdfs:label "ConveyanceMode"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Mode of conveyance for cargo shipment (SeaFreight, AirFreight, InlandTransit, Multimodal, Rail, PostalCourier). Rating v"@en ; rdfs:comment "Mode of conveyance for cargo shipment (SeaFreight, AirFreight, InlandTransit, Multimodal, Rail, PostalCourier). Rating v"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ConveyanceMode" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Coverage a owl:Class ; rdfs:label "Coverage"@en ; rdfs:subClassOf gist:Commitment ; skos:definition "Unified coverage definition representing contractual protection that can apply at line level (across all risks) or risk"@en ; rdfs:comment "Unified coverage definition representing contractual protection that can apply at line level (across all risks) or risk"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Coverage" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:acordAlignment "ACORD Coverage" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: coverageCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:Coverage owl:hasKey ( pandc:coverageCode ) . pandc:CoverageBenefit a owl:Class ; rdfs:label "CoverageBenefit"@en ; rdfs:subClassOf pandc:CoverageDefinition ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "A named benefit within a main coverage, with its own ins:Sublimit drawn from the main aggregate via ins:withinLimit; not"@en ; rdfs:comment "A named benefit within a main coverage, with its own ins:Sublimit drawn from the main aggregate via ins:withinLimit; not"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageBenefit" ; ec:sourceArtifact "pandc/product-line/coverage-definition.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageDefinition a owl:Class ; rdfs:label "CoverageDefinition"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Product-catalog entry for a named coverage type; identified by pandc:coverageCode. Replaces pandc:CoverageTemplate as th"@en ; rdfs:comment "Product-catalog entry for a named coverage type; identified by pandc:coverageCode. Replaces pandc:CoverageTemplate as th"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageDefinition" ; ec:sourceArtifact "pandc/product-line/coverage-definition.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageDependency a owl:Class ; rdfs:label "CoverageDependency"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Business rule defining required relationships between coverages for valid policy configuration"@en ; rdfs:comment "Business rule defining required relationships between coverages for valid policy configuration"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageDependency" ; ec:sourceArtifact "pandc/product-line/coverage-dependency.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageExclusion a owl:Class ; rdfs:label "CoverageExclusion"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Mutual exclusivity rule preventing simultaneous selection of incompatible coverages"@en ; rdfs:comment "Mutual exclusivity rule preventing simultaneous selection of incompatible coverages"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageExclusion" ; ec:sourceArtifact "pandc/product-line/coverage-exclusion.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageForm a owl:Class ; rdfs:label "CoverageForm"@en ; rdfs:subClassOf owl:Thing ; skos:definition "ISO or carrier-specific insurance form document with edition date defining coverage terms and conditions"@en ; rdfs:comment "ISO or carrier-specific insurance form document with edition date defining coverage terms and conditions"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageForm" ; ec:sourceArtifact "pandc/product-line/coverage-form.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: formNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:CoverageForm owl:hasKey ( pandc:formNumber ) . pandc:CoverageLayer a owl:Class ; rdfs:label "CoverageLayer"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for tower position of a coverage (Primary, Excess, Umbrella)"@en ; rdfs:comment "Controlled vocabulary for tower position of a coverage (Primary, Excess, Umbrella)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageLayer" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageLevelType a owl:Class ; rdfs:label "CoverageLevelType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of coverage application scope - whether coverage applies at the line of business level (shared aggregates"@en ; rdfs:comment "Classification of coverage application scope - whether coverage applies at the line of business level (shared aggregates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageLevelType" ; ec:sourceArtifact "pandc/product-line/coverage-level-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageLimits a owl:Class ; rdfs:label "CoverageLimits"@en ; rdfs:subClassOf ins:CoverageTerm ; skos:definition "General Liability coverage limit structure"@en ; rdfs:comment "General Liability coverage limit structure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageLimits" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:CoveragePremium a owl:Class ; rdfs:label "CoveragePremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Premium calculated for a specific coverage within a policy"@en ; rdfs:comment "Premium calculated for a specific coverage within a policy"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoveragePremium" ; ec:sourceArtifact "pandc/rating-plan/coverage-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageTemplate a owl:Class ; rdfs:label "CoverageTemplate"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Product-level configuration that defines available coverage options, limits, deductibles, and rating parameters for a li"@en ; rdfs:comment "Product-level configuration that defines available coverage options, limits, deductibles, and rating parameters for a li"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageTemplate" ; ec:sourceArtifact "pandc/product-line/coverage-template.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageTriggerType a owl:Class ; rdfs:label "CoverageTriggerType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of coverage trigger type values"@en ; rdfs:comment "Enumeration of coverage trigger type values"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageTriggerType" ; ec:sourceArtifact "pandc/product-line/coverage-template.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CoverageType a owl:Class ; rdfs:label "CoverageType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of insurance coverage types such as primary, excess, optional, endorsement, or exclusion"@en ; rdfs:comment "Classification of insurance coverage types such as primary, excess, optional, endorsement, or exclusion"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CoverageType" ; ec:sourceArtifact "pandc/product-line/coverage-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:CyberRiskScore a owl:Class ; rdfs:label "CyberRiskScore"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A numeric risk score assigned to the insured organisation by a named scoring provider, representing the organisation's c"@en ; rdfs:comment "A numeric risk score assigned to the insured organisation by a named scoring provider, representing the organisation's c"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CyberRiskScore" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:CyberSecurityControl a owl:Class ; rdfs:label "CyberSecurityControl"@en ; rdfs:subClassOf owl:Thing ; skos:definition "An assessment of one named cyber security control in place at the insured organisation, used as a product-level underwri"@en ; rdfs:comment "An assessment of one named cyber security control in place at the insured organisation, used as a product-level underwri"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#CyberSecurityControl" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DOClaimType a owl:Class ; rdfs:label "DOClaimType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for D&O claim categories. NIs: pandc:WrongfulActClaim, pandc:ViolateClaim, pandc:InvestigateClaim,"@en ; rdfs:comment "Controlled vocabulary for D&O claim categories. NIs: pandc:WrongfulActClaim, pandc:ViolateClaim, pandc:InvestigateClaim,"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DOClaimType" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DataQualityIndicator a owl:Class ; rdfs:label "DataQualityIndicator"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "Indicators of data quality, completeness, and confidence"@en ; rdfs:comment "Indicators of data quality, completeness, and confidence"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DataQualityIndicator" ; ec:sourceArtifact "pandc/location/data-quality-indicator.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: dataQualityIndicatorId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:DataQualityIndicator owl:hasKey ( pandc:dataQualityIndicatorId ) . pandc:DateQualifierType a owl:Class ; rdfs:label "DateQualifierType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Unified controlled vocabulary for date qualifier flags. NIs: pandc:InceptionDateQualifier, pandc:ToBeAgreedQualifier, pa"@en ; rdfs:comment "Unified controlled vocabulary for date qualifier flags. NIs: pandc:InceptionDateQualifier, pandc:ToBeAgreedQualifier, pa"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DateQualifierType" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DebrisRemovalCoverage a owl:Class ; rdfs:label "DebrisRemovalCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for cost to remove debris of damaged property from covered peril. Per-location limit as percentage of loss."@en ; rdfs:comment "Coverage for cost to remove debris of damaged property from covered peril. Per-location limit as percentage of loss."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DebrisRemovalCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:DeductibleFactor a owl:Class ; rdfs:label "DeductibleFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Premium credit factor applied when insured selects higher deductibles, reducing carrier's loss exposure"@en ; rdfs:comment "Premium credit factor applied when insured selects higher deductibles, reducing carrier's loss exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DeductibleFactor" ; ec:sourceArtifact "pandc/rating-plan/deductible-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DeductibleOption a owl:Class ; rdfs:label "DeductibleOption"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Selectable deductible amount available to insured during quote and policy configuration"@en ; rdfs:comment "Selectable deductible amount available to insured during quote and policy configuration"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DeductibleOption" ; ec:sourceArtifact "pandc/product-line/deductible-option.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DeductibleProvision a owl:Class ; rdfs:label "DeductibleProvision"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "Amount insured must pay out-of-pocket before insurance coverage begins"@en ; rdfs:comment "Amount insured must pay out-of-pocket before insurance coverage begins"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DeductibleProvision" ; ec:sourceArtifact "pandc/product-line/deductible-provision.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Deduction a owl:Class ; rdfs:label "Deduction"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A reduction applied to gross premium during rating — broker commission, agent commission, premium tax, surcharge offset,"@en ; rdfs:comment "A reduction applied to gross premium during rating — broker commission, agent commission, premium tax, surcharge offset,"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Deduction" ; ec:sourceArtifact "pandc/coverage/deduction.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DependencyType a owl:Class ; rdfs:label "DependencyType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of coverage dependency relationships such as requires, excludes, modifies, or enhances"@en ; rdfs:comment "Classification of coverage dependency relationships such as requires, excludes, modifies, or enhances"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DependencyType" ; ec:sourceArtifact "pandc/product-line/dependency-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:DependentPremium a owl:Class ; rdfs:label "DependentPremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Premium that depends on or is calculated relative to another coverage's premium"@en ; rdfs:comment "Premium that depends on or is calculated relative to another coverage's premium"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#DependentPremium" ; ec:sourceArtifact "pandc/rating-plan/dependent-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:EarthquakeAssessment a owl:Class ; rdfs:label "EarthquakeAssessment"@en ; rdfs:subClassOf pandc:PerilAssessment ; skos:definition "Comprehensive earthquake risk assessment including seismic zones, soil conditions, and PML estimates"@en ; rdfs:comment "Comprehensive earthquake risk assessment including seismic zones, soil conditions, and PML estimates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EarthquakeAssessment" ; ec:sourceArtifact "pandc/risk-location/earthquake-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ElectronicDataProcessingCoverage a owl:Class ; rdfs:label "ElectronicDataProcessingCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for computer equipment, media, and data restoration costs. Per-location or scheduled item."@en ; rdfs:comment "Coverage for computer equipment, media, and data restoration costs. Per-location or scheduled item."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ElectronicDataProcessingCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:EligibilityCriteria a owl:Class ; rdfs:label "EligibilityCriteria"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Business rules defining which risks qualify for insurance product based on industry, geography, size, and risk character"@en ; rdfs:comment "Business rules defining which risks qualify for insurance product based on industry, geography, size, and risk character"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EligibilityCriteria" ; ec:sourceArtifact "pandc/product-line/eligibility-criteria.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:EligibilityRule a owl:Class ; rdfs:label "EligibilityRule"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification determining whether industry code qualifies for product coverage"@en ; rdfs:comment "Classification determining whether industry code qualifies for product coverage"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EligibilityRule" ; ec:sourceArtifact "pandc/product-line/eligibility-rule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:EmployeeClassification a owl:Class ; rdfs:label "EmployeeClassification"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Groups headcount data by employee type for a liability exposure, enabling per-category full-time and part-time employee"@en ; rdfs:comment "Groups headcount data by employee type for a liability exposure, enabling per-category full-time and part-time employee"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EmployeeClassification" ; ec:sourceArtifact "pandc/liability-exposure/employee-classification.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:EmployeeType a owl:Class ; rdfs:label "EmployeeType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Controlled vocabulary for classifying employees by employment status category (e.g. full-time, part-time, seasonal)"@en ; rdfs:comment "Controlled vocabulary for classifying employees by employment status category (e.g. full-time, part-time, seasonal)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EmployeeType" ; ec:sourceArtifact "pandc/liability-exposure/employee-classification.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:EnvironmentalRiskAssessment a owl:Class ; rdfs:label "EnvironmentalRiskAssessment"@en ; rdfs:subClassOf pandc:RiskAssessment ; skos:definition "Environmental hazards and contamination risk assessment"@en ; rdfs:comment "Environmental hazards and contamination risk assessment"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EnvironmentalRiskAssessment" ; ec:sourceArtifact "pandc/location/environmental-risk-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:EquipmentBreakdownCoverage a owl:Class ; rdfs:label "EquipmentBreakdownCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for direct damage and business income loss from mechanical/electrical breakdown. Per scheduled equipment or loc"@en ; rdfs:comment "Coverage for direct damage and business income loss from mechanical/electrical breakdown. Per scheduled equipment or loc"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#EquipmentBreakdownCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ExcessCoverage a owl:Class ; rdfs:label "ExcessCoverage"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Coverage providing limits above primary policy limits or above a specified attachment point"@en ; rdfs:comment "Coverage providing limits above primary policy limits or above a specified attachment point"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExcessCoverage" ; ec:sourceArtifact "pandc/coverage/excess-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ExperienceModificationFactor a owl:Class ; rdfs:label "ExperienceModificationFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Adjustment based on insured's actual loss history compared to expected losses for their classification"@en ; rdfs:comment "Adjustment based on insured's actual loss history compared to expected losses for their classification"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExperienceModificationFactor" ; ec:sourceArtifact "pandc/rating-plan/experience-modification-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExperienceModifier a owl:Class ; rdfs:label "ExperienceModifier"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Loss experience based rating factor"@en ; rdfs:comment "Loss experience based rating factor"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExperienceModifier" ; ec:sourceArtifact "pandc/liability-exposure/rating-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Exposure a owl:Class ; rdfs:label "Exposure"@en ; rdfs:subClassOf ins:Exposure ; skos:definition "P&C abstract base class for insurable exposures carrying shared measurement properties"@en ; rdfs:comment "P&C abstract base class for insurable exposures carrying shared measurement properties"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Exposure" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExposureAmount a owl:Class ; rdfs:label "ExposureAmount"@en ; rdfs:subClassOf pandc:ExposureBasisRating ; skos:definition "The quantified exposure value with associated unit of measure"@en ; rdfs:comment "The quantified exposure value with associated unit of measure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExposureAmount" ; ec:sourceArtifact "pandc/rating-plan/exposure-amount.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExposureBasis a owl:Class ; rdfs:label "ExposureBasis"@en ; rdfs:subClassOf gist:UnitOfMeasure ; skos:definition "Measurement basis for GL exposure rating"@en ; rdfs:comment "Measurement basis for GL exposure rating"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExposureBasis" ; ec:sourceArtifact "pandc/liability-exposure/exposure-basis.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ExposureBasisRating a owl:Class ; rdfs:label "ExposureBasisRating"@en ; rdfs:subClassOf gist:Information ; skos:definition "The measurable unit of risk exposure used as the base for premium calculation (e.g., payroll, sales, area, building valu"@en ; rdfs:comment "The measurable unit of risk exposure used as the base for premium calculation (e.g., payroll, sales, area, building valu"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExposureBasisRating" ; ec:sourceArtifact "pandc/rating-plan/exposure-basis-rating.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExposureBasisType a owl:Class ; rdfs:label "ExposureBasisType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "The category of exposure measurement"@en ; rdfs:comment "The category of exposure measurement"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExposureBasisType" ; ec:sourceArtifact "pandc/rating-plan/exposure-basis-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExposureType a owl:Class ; rdfs:label "ExposureType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Specific type or category of exposure being measured, more granular than ExposureBasisType"@en ; rdfs:comment "Specific type or category of exposure being measured, more granular than ExposureBasisType"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExposureType" ; ec:sourceArtifact "pandc/rating-plan/exposure-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExposureUnit a owl:Class ; rdfs:label "ExposureUnit"@en ; rdfs:subClassOf gist:Category ; skos:definition "Standardized unit of measurement for rating exposures"@en ; rdfs:comment "Standardized unit of measurement for rating exposures"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExposureUnit" ; ec:sourceArtifact "pandc/rating-plan/exposure-unit.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExtendedReportingPeriodOffer a owl:Class ; rdfs:label "ExtendedReportingPeriodOffer"@en ; rdfs:subClassOf gist:Specification ; skos:definition "A post-expiry offer extending the claims-made reporting window (ERP). NOT a Coverage, NOT a premium component. No indepe"@en ; rdfs:comment "A post-expiry offer extending the claims-made reporting window (ERP). NOT a Coverage, NOT a premium component. No indepe"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExtendedReportingPeriodOffer" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ExtraExpenseCoverage a owl:Class ; rdfs:label "ExtraExpenseCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for additional costs to continue operations following property damage from covered peril. Per-location limits a"@en ; rdfs:comment "Coverage for additional costs to continue operations following property damage from covered peril. Per-location limits a"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ExtraExpenseCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:FEMAFloodZone a owl:Class ; rdfs:label "FEMAFloodZone"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "FEMA flood hazard zone designation"@en ; rdfs:comment "FEMA flood hazard zone designation"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FEMAFloodZone" ; ec:sourceArtifact "pandc/risk-location/fema-flood-zone.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FactorType a owl:Class ; rdfs:label "FactorType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Category of rating factor indicating what risk characteristic it adjusts for"@en ; rdfs:comment "Category of rating factor indicating what risk characteristic it adjusts for"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FactorType" ; ec:sourceArtifact "pandc/rating-plan/factor-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FieldOffice a owl:Class ; rdfs:label "FieldOffice"@en ; rdfs:subClassOf gist:Place ; skos:definition "Chubb field office / branch location"@en ; rdfs:comment "Chubb field office / branch location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FieldOffice" ; ec:sourceArtifact "pandc/jurisdiction/jurisdiction.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FilingStatus a owl:Class ; rdfs:label "FilingStatus"@en ; rdfs:subClassOf gist:Category ; skos:definition "Current state of regulatory filing in approval process"@en ; rdfs:comment "Current state of regulatory filing in approval process"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FilingStatus" ; ec:sourceArtifact "pandc/product-line/filing-status.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FilingType a owl:Class ; rdfs:label "FilingType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Category of regulatory submission based on nature of product changes"@en ; rdfs:comment "Category of regulatory submission based on nature of product changes"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FilingType" ; ec:sourceArtifact "pandc/product-line/filing-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FinancialDataSource a owl:Class ; rdfs:label "FinancialDataSource"@en ; rdfs:subClassOf skos:Concept ; skos:definition "Controlled vocabulary for financial-analysis data-source vendors (Q-LK-1). Examples: Bloomberg, BureauVanDijk, BrokerSup"@en ; rdfs:comment "Controlled vocabulary for financial-analysis data-source vendors (Q-LK-1). Examples: Bloomberg, BureauVanDijk, BrokerSup"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FinancialDataSource" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FinancialRiskAssessment a owl:Class ; rdfs:label "FinancialRiskAssessment"@en ; rdfs:subClassOf ins:RiskAssessment ; skos:definition "Evaluation of the insured's financial strength as a risk input for the quoted policy. Captures score, vendor source, and"@en ; rdfs:comment "Evaluation of the insured's financial strength as a risk input for the quoted policy. Captures score, vendor source, and"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FinancialRiskAssessment" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FineArtExposure a owl:Class ; rdfs:label "FineArtExposure"@en ; rdfs:subClassOf pandc:Exposure ; skos:definition "Exposure for marine fine art / valuable articles. Covers both storage (location-based) and transit sections — sections a"@en ; rdfs:comment "Exposure for marine fine art / valuable articles. Covers both storage (location-based) and transit sections — sections a"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FineArtExposure" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FineArtItem a owl:Class ; rdfs:label "FineArtItem"@en ; rdfs:subClassOf pandc:InsurableObject ; skos:definition "Individually scheduled fine art / valuable item insured under a Marine Fine Art policy. Source field: PropertyInsured (f"@en ; rdfs:comment "Individually scheduled fine art / valuable item insured under a Marine Fine Art policy. Source field: PropertyInsured (f"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FineArtItem" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FireAlarmSystemType a owl:Class ; rdfs:label "FireAlarmSystemType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Type of fire alarm system installed at a building, classified per NFPA 72 / UL 864"@en ; rdfs:comment "Type of fire alarm system installed at a building, classified per NFPA 72 / UL 864"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FireAlarmSystemType" ; ec:sourceArtifact "pandc/building/fire-alarm-system-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FireDepartmentServiceCharge a owl:Class ; rdfs:label "FireDepartmentServiceCharge"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for fees charged by fire department to respond to emergency. Per-location sublimit."@en ; rdfs:comment "Coverage for fees charged by fire department to respond to emergency. Per-location sublimit."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FireDepartmentServiceCharge" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:FireLegalLiabilityCoverage a owl:Class ; rdfs:label "FireLegalLiabilityCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "GL coverage for fire damage to premises rented or leased by the insured. Risk-level coverage with per-premises sublimit."@en ; rdfs:comment "GL coverage for fire damage to premises rented or leased by the insured. Risk-level coverage with per-premises sublimit."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FireLegalLiabilityCoverage" ; ec:sourceArtifact "pandc/product-line/fire-legal-liability-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FireProtectionClass a owl:Class ; rdfs:label "FireProtectionClass"@en ; rdfs:subClassOf gist:Category ; skos:definition "ISO Public Protection Classification for fire department response"@en ; rdfs:comment "ISO Public Protection Classification for fire department response"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FireProtectionClass" ; ec:sourceArtifact "pandc/location/fire-protection-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FireProtectionSystem a owl:Class ; rdfs:label "FireProtectionSystem"@en ; rdfs:subClassOf gist:System ; skos:definition "Fire protection and life safety systems installed in the building"@en ; rdfs:comment "Fire protection and life safety systems installed in the building"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FireProtectionSystem" ; ec:sourceArtifact "pandc/building/fire-protection-system.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FloodAssessment a owl:Class ; rdfs:label "FloodAssessment"@en ; rdfs:subClassOf pandc:PerilAssessment ; skos:definition "Comprehensive flood risk assessment including FEMA zones and base flood elevations"@en ; rdfs:comment "Comprehensive flood risk assessment including FEMA zones and base flood elevations"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FloodAssessment" ; ec:sourceArtifact "pandc/risk-location/flood-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FloodZone a owl:Class ; rdfs:label "FloodZone"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Alias for FEMAFloodZone"@en ; rdfs:comment "Alias for FEMAFloodZone"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FloodZone" ; ec:sourceArtifact "pandc/risk-location/flood-zone.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FormsAndEndorsementsSchedule a owl:Class ; rdfs:label "FormsAndEndorsementsSchedule"@en ; rdfs:subClassOf ins:Schedule ; skos:definition "A schedule listing all policy forms, endorsements, and amendatory endorsements attached to a policy, as shown on the dec"@en ; rdfs:comment "A schedule listing all policy forms, endorsements, and amendatory endorsements attached to a policy, as shown on the dec"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FormsAndEndorsementsSchedule" ; ec:sourceArtifact "pandc/schedule/forms-endorsements-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:FormsScheduleItem a owl:Class ; rdfs:label "FormsScheduleItem"@en ; rdfs:subClassOf ins:ScheduleItem ; skos:definition "A single entry on the Schedule of Forms and Endorsements, referencing a specific form or endorsement attached to the pol"@en ; rdfs:comment "A single entry on the Schedule of Forms and Endorsements, referencing a specific form or endorsement attached to the pol"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#FormsScheduleItem" ; ec:sourceArtifact "pandc/schedule/forms-endorsements-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLBaseRate a owl:Class ; rdfs:label "GLBaseRate"@en ; rdfs:subClassOf pandc:BaseRate ; skos:definition "GL base rate per exposure unit for a specific class code and territory"@en ; rdfs:comment "GL base rate per exposure unit for a specific class code and territory"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLBaseRate" ; ec:sourceArtifact "pandc/rating-plan/base-rate.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLClassCode a owl:Class ; rdfs:label "GLClassCode"@en ; rdfs:subClassOf pandc:ClassificationCode ; skos:definition "ISO or carrier-specific classification code for GL rating based on business operations"@en ; rdfs:comment "ISO or carrier-specific classification code for GL rating based on business operations"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLClassCode" ; ec:sourceArtifact "pandc/rating-plan/classification-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLCoverage a owl:Class ; rdfs:label "GLCoverage"@en ; rdfs:subClassOf pandc:LiabilityCoverage ; skos:definition "General Liability coverage product, encompassing the structured terms (limits, deductibles) under which GL claims are pa"@en ; rdfs:comment "General Liability coverage product, encompassing the structured terms (limits, deductibles) under which GL claims are pa"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLCoverage" ; ec:sourceArtifact "pandc/liability-exposure/gl-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLExposure a owl:Class ; rdfs:label "GLExposure"@en ; rdfs:subClassOf pandc:LiabilityExposure ; skos:definition "Detailed General Liability exposure information for accurate rating and underwriting"@en ; rdfs:comment "Detailed General Liability exposure information for accurate rating and underwriting"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLExposure" ; ec:sourceArtifact "pandc/liability-exposure/gl-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: primaryClassCode, territoryCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:GLExposure owl:hasKey ( pandc:primaryClassCode pandc:territoryCode ) . pandc:GLExposureSplit a owl:Class ; rdfs:label "GLExposureSplit"@en ; rdfs:subClassOf pandc:ExposureBasisRating ; skos:definition "Division of GL exposure between premises/operations and products/completed operations"@en ; rdfs:comment "Division of GL exposure between premises/operations and products/completed operations"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLExposureSplit" ; ec:sourceArtifact "pandc/rating-plan/exposure-basis-rating.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLHazard a owl:Class ; rdfs:label "GLHazard"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "General liability hazard from schedule of hazards"@en ; rdfs:comment "General liability hazard from schedule of hazards"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLHazard" ; ec:sourceArtifact "pandc/liability-exposure/gl-hazard.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLTerritory a owl:Class ; rdfs:label "GLTerritory"@en ; rdfs:subClassOf gist:Category ; skos:definition "General Liability territory information for rating"@en ; rdfs:comment "General Liability territory information for rating"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLTerritory" ; ec:sourceArtifact "pandc/liability-exposure/gl-territory.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLTerritoryAssessment a owl:Class ; rdfs:label "GLTerritoryAssessment"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "Assessment of GL territory characteristics affecting premium rating"@en ; rdfs:comment "Assessment of GL territory characteristics affecting premium rating"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLTerritoryAssessment" ; ec:sourceArtifact "pandc/liability-exposure/gl-territory-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GLTerritoryFactor a owl:Class ; rdfs:label "GLTerritoryFactor"@en ; rdfs:subClassOf pandc:TerritoryFactorClass ; skos:definition "GL-specific territorial adjustment reflecting regional loss experience and legal environment"@en ; rdfs:comment "GL-specific territorial adjustment reflecting regional loss experience and legal environment"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GLTerritoryFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GeneralLiabilityProduct a owl:Class ; rdfs:label "GeneralLiabilityProduct"@en ; rdfs:subClassOf pandc:Product ; skos:definition "Insurance product covering bodily injury, property damage, personal injury, and advertising injury liabilities arising f"@en ; rdfs:comment "Insurance product covering bodily injury, property damage, personal injury, and advertising injury liabilities arising f"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GeneralLiabilityProduct" ; ec:sourceArtifact "pandc/product/general-liability-product.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GeocodePrecision a owl:Class ; rdfs:label "GeocodePrecision"@en ; rdfs:subClassOf ins:GeocodePrecision ; skos:definition "Precision level of a geocoded address ranging from rooftop accuracy to postal code centroid"@en ; rdfs:comment "Precision level of a geocoded address ranging from rooftop accuracy to postal code centroid"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GeocodePrecision" ; ec:sourceArtifact "pandc/location/geocode-precision.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Geocoding a owl:Class ; rdfs:label "Geocoding"@en ; rdfs:subClassOf gist:GeoPoint ; skos:definition "Precise geographic coordinates with quality indicators for a location"@en ; rdfs:comment "Precise geographic coordinates with quality indicators for a location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Geocoding" ; ec:sourceArtifact "pandc/location/geocoding.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GeographicExposureSplit a owl:Class ; rdfs:label "GeographicExposureSplit"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A breakdown of a liability exposure by geographic region, recording the exposure amount and percentage attributable to e"@en ; rdfs:comment "A breakdown of a liability exposure by geographic region, recording the exposure amount and percentage attributable to e"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GeographicExposureSplit" ; ec:sourceArtifact "pandc/liability-exposure/geographic-exposure-split.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GeographicRegion a owl:Class ; rdfs:label "GeographicRegion"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for broad geographic regions used to split liability exposure (e.g. US/Canada, Rest of World)"@en ; rdfs:comment "Controlled vocabulary for broad geographic regions used to split liability exposure (e.g. US/Canada, Rest of World)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GeographicRegion" ; ec:sourceArtifact "pandc/liability-exposure/geographic-exposure-split.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:GlassCoverage a owl:Class ; rdfs:label "GlassCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for building glass, glass signs, glass shelving, and showcases. Per-location coverage."@en ; rdfs:comment "Coverage for building glass, glass signs, glass shelving, and showcases. Per-location coverage."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#GlassCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:HazardGrade a owl:Class ; rdfs:label "HazardGrade"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Referenced by the source LDM but never defined (dangling IRI). Declared here as a stub so the graph resolves."@en ; rdfs:comment "Referenced by the source LDM but never defined (dangling IRI). Declared here as a stub so the graph resolves."@en ; ec:module "P&C Product / Coverage / Rating" ; ec:dataQualityFlag "DANGLING-IRI: referenced by the source LDM but never defined." ; ec:conformance "Non-conformant - stub" ; rdfs:isDefinedBy . pandc:HazardSchedule a owl:Class ; rdfs:label "HazardSchedule"@en ; rdfs:subClassOf ins:Schedule ; skos:definition "A schedule enumerating the class codes, operations, and exposure bases used to rate a General Liability policy. Each row"@en ; rdfs:comment "A schedule enumerating the class codes, operations, and exposure bases used to rate a General Liability policy. Each row"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#HazardSchedule" ; ec:sourceArtifact "pandc/schedule/hazard-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:HazardScheduleItem a owl:Class ; rdfs:label "HazardScheduleItem"@en ; rdfs:subClassOf ins:ScheduleItem ; skos:definition "A single hazard classification row on a GL Schedule of Hazards, including class code, operation description, exposure ba"@en ; rdfs:comment "A single hazard classification row on a GL Schedule of Hazards, including class code, operation description, exposure ba"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#HazardScheduleItem" ; ec:sourceArtifact "pandc/schedule/hazard-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:HostLiquorLiabilityCoverage a owl:Class ; rdfs:label "HostLiquorLiabilityCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "Coverage for liability arising from occasional serving of complimentary alcohol at business functions. Included in stand"@en ; rdfs:comment "Coverage for liability arising from occasional serving of complimentary alcohol at business functions. Included in stand"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#HostLiquorLiabilityCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ISOClassCode a owl:Class ; rdfs:label "ISOClassCode"@en ; rdfs:subClassOf ins:ISOClassCode ; skos:definition "Insurance Services Office classification code - 5-digit code for general liability and commercial property rating based"@en ; rdfs:comment "Insurance Services Office classification code - 5-digit code for general liability and commercial property rating based"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ISOClassCode" ; ec:sourceArtifact "pandc/product/industry-classification.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ISOConstructionClass a owl:Class ; rdfs:label "ISOConstructionClass"@en ; rdfs:subClassOf ins:ConstructionClassification ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "ISO 6-class construction classification system"@en ; rdfs:comment "ISO 6-class construction classification system"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ISOConstructionClass" ; ec:sourceArtifact "pandc/building/iso-construction-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:IncreasedLimitFactor a owl:Class ; rdfs:label "IncreasedLimitFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Multiplier applied when coverage limits exceed base level, reflecting actuarial severity curves from ILF tables"@en ; rdfs:comment "Multiplier applied when coverage limits exceed base level, reflecting actuarial severity curves from ILF tables"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#IncreasedLimitFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:IndustryClassification a owl:Class ; rdfs:label "IndustryClassification"@en ; rdfs:subClassOf ins:ClassificationSystem ; skos:definition "Standardized classification system categorizing business operations by economic activity for underwriting and rating"@en ; rdfs:comment "Standardized classification system categorizing business operations by economic activity for underwriting and rating"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#IndustryClassification" ; ec:sourceArtifact "pandc/product/industry-classification.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:InlandTruckStatus a owl:Class ; rdfs:label "InlandTruckStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Tri-state status (NA, No, Yes) describing inland-truck exposure for freight liability."@en ; rdfs:comment "Tri-state status (NA, No, Yes) describing inland-truck exposure for freight liability."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#InlandTruckStatus" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:InstituteClause a owl:Class ; rdfs:label "InstituteClause"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "ILU (Institute of London Underwriters) Institute Freight Clauses (A-F, G, H, I) attachable to marine coverages."@en ; rdfs:comment "ILU (Institute of London Underwriters) Institute Freight Clauses (A-F, G, H, I) attachable to marine coverages."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#InstituteClause" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:InsurableInterestType a owl:Class ; rdfs:label "InsurableInterestType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Type of insurable interest held by an InterestedParty (Mortgagee, FirstMortgagee, Lienholder, LossPayee, AdditionalInsur"@en ; rdfs:comment "Type of insurable interest held by an InterestedParty (Mortgagee, FirstMortgagee, Lienholder, LossPayee, AdditionalInsur"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#InsurableInterestType" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:InsurableLocation a owl:Class ; rdfs:label "InsurableLocation"@en ; rdfs:subClassOf gist:Place ; skos:definition "Abstract base class for physical locations that can be covered under an insurance policy"@en ; rdfs:comment "Abstract base class for physical locations that can be covered under an insurance policy"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#InsurableLocation" ; ec:sourceArtifact "pandc/location/insurable-location.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:InsurableObject a owl:Class ; rdfs:label "InsurableObject"@en ; rdfs:subClassOf gist:PhysicalIdentifiableItem ; skos:definition "Abstract base class representing any physical item that can be insured under a commercial P&C policy"@en ; rdfs:comment "Abstract base class representing any physical item that can be insured under a commercial P&C policy"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#InsurableObject" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: insurableObjectId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:InsurableObject owl:hasKey ( pandc:insurableObjectId ) . pandc:InterestedParty a owl:Class ; rdfs:label "InterestedParty"@en ; rdfs:subClassOf gist:Commitment ; skos:definition "A party with an insurable interest in an InsurableObject (e.g. mortgagee on a vessel, lienholder on a vehicle, loss paye"@en ; rdfs:comment "A party with an insurable interest in an InsurableObject (e.g. mortgagee on a vessel, lienholder on a vehicle, loss paye"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#InterestedParty" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Jurisdiction a owl:Class ; rdfs:label "Jurisdiction"@en ; rdfs:subClassOf owl:Thing ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "A US state, territory, or the District of Columbia that serves as a regulatory jurisdiction for insurance product filing"@en ; rdfs:comment "A US state, territory, or the District of Columbia that serves as a regulatory jurisdiction for insurance product filing"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Jurisdiction" ; ec:sourceArtifact "pandc/jurisdiction/jurisdiction.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:JurisdictionalEmployeeLoading a owl:Class ; rdfs:label "JurisdictionalEmployeeLoading"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Per-jurisdiction employee-loading factor used in D&O rating."@en ; rdfs:comment "Per-jurisdiction employee-loading factor used in D&O rating."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#JurisdictionalEmployeeLoading" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:JurisdictionalScope a owl:Class ; rdfs:label "JurisdictionalScope"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for jurisdictional scope discriminators. NIs: pandc:UnitedStatesScope, pandc:NonUnitedStatesScope,"@en ; rdfs:comment "Controlled vocabulary for jurisdictional scope discriminators. NIs: pandc:UnitedStatesScope, pandc:NonUnitedStatesScope,"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#JurisdictionalScope" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LandParcel a owl:Class ; rdfs:label "LandParcel"@en ; rdfs:subClassOf pandc:InsurableObject ; skos:definition "A parcel of land that may be surveyed or insured independently of any building"@en ; rdfs:comment "A parcel of land that may be surveyed or insured independently of any building"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LandParcel" ; ec:sourceArtifact "pandc/insurable-object/land-parcel.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LiabilityCoverage a owl:Class ; rdfs:label "LiabilityCoverage"@en ; rdfs:subClassOf ins:InsuranceCoverage ; skos:definition "Coverage for third-party bodily injury and property damage liability"@en ; rdfs:comment "Coverage for third-party bodily injury and property damage liability"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LiabilityCoverage" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LiabilityExposure a owl:Class ; rdfs:label "LiabilityExposure"@en ; rdfs:subClassOf pandc:Exposure ; skos:definition "Complete liability exposure details with classification and rating factors"@en ; rdfs:comment "Complete liability exposure details with classification and rating factors"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LiabilityExposure" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LiabilityLoss a owl:Class ; rdfs:label "LiabilityLoss"@en ; rdfs:subClassOf ins:LossHistory ; skos:definition "A liability claim or loss event associated with a general liability exposure"@en ; rdfs:comment "A liability claim or loss event associated with a general liability exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LiabilityLoss" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure-supplement.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LiabilityMitigation a owl:Class ; rdfs:label "LiabilityMitigation"@en ; rdfs:subClassOf pandc:RiskMitigation ; skos:definition "Administrative and procedural measures to reduce liability risk exposure"@en ; rdfs:comment "Administrative and procedural measures to reduce liability risk exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LiabilityMitigation" ; ec:sourceArtifact "pandc/liability-exposure/risk-mitigation.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LimitOption a owl:Class ; rdfs:label "LimitOption"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Selectable limit amount available to insured during quote and policy configuration"@en ; rdfs:comment "Selectable limit amount available to insured during quote and policy configuration"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LimitOption" ; ec:sourceArtifact "pandc/product-line/limit-option.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LimitProvision a owl:Class ; rdfs:label "LimitProvision"@en ; rdfs:subClassOf ins:InsuranceCoverage ; skos:definition "Maximum amount insurer will pay for covered losses under specified coverage terms"@en ; rdfs:comment "Maximum amount insurer will pay for covered losses under specified coverage terms"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LimitProvision" ; ec:sourceArtifact "pandc/coverage/coverage-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: limitProvisionId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:LimitProvision owl:hasKey ( pandc:limitProvisionId ) . pandc:LineLevelCoverage a owl:Class ; rdfs:label "LineLevelCoverage"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Coverage that applies at the line of business level, typically with aggregate limits shared across all risks within the"@en ; rdfs:comment "Coverage that applies at the line of business level, typically with aggregate limits shared across all risks within the"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LineLevelCoverage" ; ec:sourceArtifact "pandc/line-level-coverage/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LinePremium a owl:Class ; rdfs:label "LinePremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Premium for a line-level coverage (instance of pandc:LineLevelCoverage), aggregating premium across all risks and perils"@en ; rdfs:comment "Premium for a line-level coverage (instance of pandc:LineLevelCoverage), aggregating premium across all risks and perils"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LinePremium" ; ec:sourceArtifact "pandc/rating-plan/line-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LiquorLiabilityCoverage a owl:Class ; rdfs:label "LiquorLiabilityCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "Coverage for liability arising from manufacturing, selling, serving, or furnishing alcoholic beverages. Applies at polic"@en ; rdfs:comment "Coverage for liability arising from manufacturing, selling, serving, or furnishing alcoholic beverages. Applies at polic"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LiquorLiabilityCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:LitigationRiskAssessment a owl:Class ; rdfs:label "LitigationRiskAssessment"@en ; rdfs:subClassOf ins:RiskAssessment ; skos:definition "Evaluation of pending or prior litigation as a risk input for the quoted policy. Linked from ins:Quote via pandc:hasLiti"@en ; rdfs:comment "Evaluation of pending or prior litigation as a risk input for the quoted policy. Linked from ins:Quote via pandc:hasLiti"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LitigationRiskAssessment" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Location a owl:Class ; rdfs:label "Location"@en ; rdfs:subClassOf ins:Location ; skos:definition "A physical address with geocoding representing a specific place that can be insured"@en ; rdfs:comment "A physical address with geocoding representing a specific place that can be insured"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Location" ; ec:sourceArtifact "pandc/location/location.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: hasLocationNumber, locationDunsNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:Location owl:hasKey ( pandc:hasLocationNumber pandc:locationDunsNumber ) . pandc:LocationBusinessOperation a owl:Class ; rdfs:label "LocationBusinessOperation"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "The business operations conducted at a specific location"@en ; rdfs:comment "The business operations conducted at a specific location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationBusinessOperation" ; ec:sourceArtifact "pandc/location/location-business-operation.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationHierarchy a owl:Class ; rdfs:label "LocationHierarchy"@en ; rdfs:subClassOf gist:Collection ; skos:definition "Hierarchical relationships between locations (parent/child, campus/building)"@en ; rdfs:comment "Hierarchical relationships between locations (parent/child, campus/building)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationHierarchy" ; ec:sourceArtifact "pandc/location/location-hierarchy.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationParty a owl:Class ; rdfs:label "LocationParty"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "Represents the relationship between a party and a location with a specific role"@en ; rdfs:comment "Represents the relationship between a party and a location with a specific role"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationParty" ; ec:sourceArtifact "pandc/location/location-party.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationPremium a owl:Class ; rdfs:label "LocationPremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Aggregated premium for all coverages at a specific location"@en ; rdfs:comment "Aggregated premium for all coverages at a specific location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationPremium" ; ec:sourceArtifact "pandc/rating-plan/location-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationRiskAssessment a owl:Class ; rdfs:label "LocationRiskAssessment"@en ; rdfs:subClassOf pandc:RiskAssessment ; skos:definition "Overall risk assessment aggregating all peril assessments for a location or risk location"@en ; rdfs:comment "Overall risk assessment aggregating all peril assessments for a location or risk location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationRiskAssessment" ; ec:sourceArtifact "pandc/location/location-risk-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationRole a owl:Class ; rdfs:label "LocationRole"@en ; rdfs:subClassOf gist:Role ; skos:definition "Role that an interested party plays with respect to an insured location such as owner, lessee, or mortgagee"@en ; rdfs:comment "Role that an interested party plays with respect to an insured location such as owner, lessee, or mortgagee"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationRole" ; ec:sourceArtifact "pandc/location/location-role.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationSchedule a owl:Class ; rdfs:label "LocationSchedule"@en ; rdfs:subClassOf ins:Schedule ; skos:definition "A schedule enumerating insured locations and their values; commonly received as a Statement of Values (SOV). Each row re"@en ; rdfs:comment "A schedule enumerating insured locations and their values; commonly received as a Statement of Values (SOV). Each row re"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationSchedule" ; ec:sourceArtifact "pandc/schedule/location-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationScheduleItem a owl:Class ; rdfs:label "LocationScheduleItem"@en ; rdfs:subClassOf ins:ScheduleItem ; skos:definition "A single row of a Statement of Values representing one insured location or building with its associated values and cover"@en ; rdfs:comment "A single row of a Statement of Values representing one insured location or building with its associated values and cover"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationScheduleItem" ; ec:sourceArtifact "pandc/schedule/location-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationTax a owl:Class ; rdfs:label "LocationTax"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "Tax information associated with a specific location, including city, county, and state tax rates and amounts. Superseded"@en ; rdfs:comment "Tax information associated with a specific location, including city, county, and state tax rates and amounts. Superseded"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationTax" ; ec:sourceArtifact "pandc/location/location-tax.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:LocationType a owl:Class ; rdfs:label "LocationType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of insured location types such as headquarters, warehouse, retail, or branch office"@en ; rdfs:comment "Classification of insured location types such as headquarters, warehouse, retail, or branch office"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LocationType" ; ec:sourceArtifact "pandc/location/location-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LossCost a owl:Class ; rdfs:label "LossCost"@en ; rdfs:subClassOf ins:RatingFactor ; skos:definition "Insurance Services Office (ISO) prospective loss cost representing expected loss per exposure unit, excluding expenses"@en ; rdfs:comment "Insurance Services Office (ISO) prospective loss cost representing expected loss per exposure unit, excluding expenses"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LossCost" ; ec:sourceArtifact "pandc/rating-plan/rating-plan-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:LossCostMultiplier a owl:Class ; rdfs:label "LossCostMultiplier"@en ; rdfs:subClassOf ins:RatingFactor ; skos:definition "State-approved multiplier applied to Insurance Services Office (ISO) loss costs to derive base rates, incorporating expe"@en ; rdfs:comment "State-approved multiplier applied to Insurance Services Office (ISO) loss costs to derive base rates, incorporating expe"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#LossCostMultiplier" ; ec:sourceArtifact "pandc/rating-plan/rating-plan-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ManagementLiabilityExposure a owl:Class ; rdfs:label "ManagementLiabilityExposure"@en ; rdfs:subClassOf pandc:LiabilityExposure ; skos:definition "D&O management-liability rating exposure: board composition, prior-acts, FuM indicator, share registration. Consolidates"@en ; rdfs:comment "D&O management-liability rating exposure: board composition, prior-acts, FuM indicator, share registration. Consolidates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ManagementLiabilityExposure" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MandatoryEndorsement a owl:Class ; rdfs:label "MandatoryEndorsement"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Required policy modification that must be attached to base coverage"@en ; rdfs:comment "Required policy modification that must be attached to base coverage"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MandatoryEndorsement" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:MarineCargoExposure a owl:Class ; rdfs:label "MarineCargoExposure"@en ; rdfs:subClassOf pandc:Exposure ; skos:definition "Cargo exposure per section (Transit or Storage). Carries rating variables and exposure characteristics for marine cargo"@en ; rdfs:comment "Cargo exposure per section (Transit or Storage). Carries rating variables and exposure characteristics for marine cargo"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MarineCargoExposure" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MarineFreightExposure a owl:Class ; rdfs:label "MarineFreightExposure"@en ; rdfs:subClassOf pandc:Exposure ; skos:definition "Freight (logistics liability) exposure. Carries logistics service types, warehouse location count, gross freight receipt"@en ; rdfs:comment "Freight (logistics liability) exposure. Carries logistics service types, warehouse location count, gross freight receipt"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MarineFreightExposure" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MarineHullExposure a owl:Class ; rdfs:label "MarineHullExposure"@en ; rdfs:subClassOf pandc:Exposure ; skos:definition "Hull exposure at coverage-type level. Carries declared values (hmDeclaredValue, ivDeclaredValue, etc.) for each hull sub"@en ; rdfs:comment "Hull exposure at coverage-type level. Carries declared values (hmDeclaredValue, ivDeclaredValue, etc.) for each hull sub"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MarineHullExposure" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MarineIndemnityPeriod a owl:Class ; rdfs:label "MarineIndemnityPeriod"@en ; rdfs:subClassOf ins:IndemnityPeriod ; skos:definition "Marine-specific indemnity period (value + unit + free-text description). Used for transit/storage coverage interruption"@en ; rdfs:comment "Marine-specific indemnity period (value + unit + free-text description). Used for transit/storage coverage interruption"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MarineIndemnityPeriod" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MarineLiabilityExposure a owl:Class ; rdfs:label "MarineLiabilityExposure"@en ; rdfs:subClassOf pandc:LiabilityExposure ; skos:definition "Marine liability (port/terminal operator, charterer, marina) exposure. Carries premises, occupation/class description, g"@en ; rdfs:comment "Marine liability (port/terminal operator, charterer, marina) exposure. Carries premises, occupation/class description, g"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MarineLiabilityExposure" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MarketSegment a owl:Class ; rdfs:label "MarketSegment"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Target market segment for an insurance product such as small commercial, middle market, or large commercial"@en ; rdfs:comment "Target market segment for an insurance product such as small commercial, middle market, or large commercial"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MarketSegment" ; ec:sourceArtifact "pandc/product/market-segment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MedicalPaymentsCoverage a owl:Class ; rdfs:label "MedicalPaymentsCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "GL no-fault coverage for immediate medical expenses of injured parties regardless of liability. Typically has per-person"@en ; rdfs:comment "GL no-fault coverage for immediate medical expenses of injured parties regardless of liability. Typically has per-person"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MedicalPaymentsCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:MercalliIntensityScale a owl:Class ; rdfs:label "MercalliIntensityScale"@en ; rdfs:subClassOf gist:Category ; skos:definition "12-level seismic intensity scale describing earthquake effects"@en ; rdfs:comment "12-level seismic intensity scale describing earthquake effects"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MercalliIntensityScale" ; ec:sourceArtifact "pandc/risk-location/mercalli-intensity-scale.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:MeritModifier a owl:Class ; rdfs:label "MeritModifier"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Safety program and loss prevention based credit"@en ; rdfs:comment "Safety program and loss prevention based credit"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#MeritModifier" ; ec:sourceArtifact "pandc/liability-exposure/rating-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ModifierType a owl:Class ; rdfs:label "ModifierType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of rating modifier by purpose"@en ; rdfs:comment "Classification of rating modifier by purpose"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ModifierType" ; ec:sourceArtifact "pandc/rating-plan/modifier-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:NAICSCode a owl:Class ; rdfs:label "NAICSCode"@en ; rdfs:subClassOf ins:NAICSCode ; skos:definition "North American Industry Classification System - 6-digit code classifying business establishments by type of economic act"@en ; rdfs:comment "North American Industry Classification System - 6-digit code classifying business establishments by type of economic act"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#NAICSCode" ; ec:sourceArtifact "pandc/product/naics-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:NoClaimsBonus a owl:Class ; rdfs:label "NoClaimsBonus"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "No-claims-bonus discretionary premium modifier. Applied at underwriter discretion when no EPL claims history is present."@en ; rdfs:comment "No-claims-bonus discretionary premium modifier. Applied at underwriter discretion when no EPL claims history is present."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#NoClaimsBonus" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:NonOwnedHiredAutoCoverage a owl:Class ; rdfs:label "NonOwnedHiredAutoCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "GL coverage for auto liability arising from use of non-owned or hired vehicles. Applies at policy level."@en ; rdfs:comment "GL coverage for auto liability arising from use of non-owned or hired vehicles. Applies at policy level."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#NonOwnedHiredAutoCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:OccupancyClass a owl:Class ; rdfs:label "OccupancyClass"@en ; rdfs:subClassOf ins:OccupancyClassification ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Primary use classification of the building"@en ; rdfs:comment "Primary use classification of the building"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OccupancyClass" ; ec:sourceArtifact "pandc/building/occupancy-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:OccupancyFactor a owl:Class ; rdfs:label "OccupancyFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Property rating adjustment based on how the building is used, reflecting fire hazard and loss potential of specific oper"@en ; rdfs:comment "Property rating adjustment based on how the building is used, reflecting fire hazard and loss potential of specific oper"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OccupancyFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:OperationsHazard a owl:Class ; rdfs:label "OperationsHazard"@en ; rdfs:subClassOf pandc:GLHazard ; skos:definition "Business operation activities creating liability exposure"@en ; rdfs:comment "Business operation activities creating liability exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OperationsHazard" ; ec:sourceArtifact "pandc/liability-exposure/gl-hazard.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:OptionalCoverage a owl:Class ; rdfs:label "OptionalCoverage"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Elective coverage that can be added to base policy for additional premium"@en ; rdfs:comment "Elective coverage that can be added to base policy for additional premium"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OptionalCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:OptionalEndorsement a owl:Class ; rdfs:label "OptionalEndorsement"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Elective policy modification available for selection"@en ; rdfs:comment "Elective policy modification available for selection"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OptionalEndorsement" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:OrdinanceLawCoverage a owl:Class ; rdfs:label "OrdinanceLawCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for increased reconstruction costs due to building code upgrades. Per-building coverage."@en ; rdfs:comment "Coverage for increased reconstruction costs due to building code upgrades. Per-building coverage."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OrdinanceLawCoverage" ; ec:sourceArtifact "pandc/product-line/ordinance-law-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:OutdoorPropertyCoverage a owl:Class ; rdfs:label "OutdoorPropertyCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for fences, radio/TV antennas, signs, trees, shrubs, and landscaping. Per-location sublimit."@en ; rdfs:comment "Coverage for fences, radio/TV antennas, signs, trees, shrubs, and landscaping. Per-location sublimit."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#OutdoorPropertyCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PackageDiscount a owl:Class ; rdfs:label "PackageDiscount"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "Premium credit applied when multiple lines of business are purchased together in a package policy"@en ; rdfs:comment "Premium credit applied when multiple lines of business are purchased together in a package policy"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PackageDiscount" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PaymentPlanFactor a owl:Class ; rdfs:label "PaymentPlanFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Premium adjustment based on billing and payment method selected by insured"@en ; rdfs:comment "Premium adjustment based on billing and payment method selected by insured"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PaymentPlanFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PayrollExposure a owl:Class ; rdfs:label "PayrollExposure"@en ; rdfs:subClassOf pandc:ExposureBasis ; skos:definition "Annual payroll based exposure measurement"@en ; rdfs:comment "Annual payroll based exposure measurement"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PayrollExposure" ; ec:sourceArtifact "pandc/liability-exposure/exposure-basis.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PerOccurrenceDeductible a owl:Class ; rdfs:label "PerOccurrenceDeductible"@en ; rdfs:subClassOf ins:Deductible ; skos:definition "Deductible applied to each individual occurrence"@en ; rdfs:comment "Deductible applied to each individual occurrence"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PerOccurrenceDeductible" ; ec:sourceArtifact "pandc/coverage/deductible.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PerOccurrenceLimit a owl:Class ; rdfs:label "PerOccurrenceLimit"@en ; rdfs:subClassOf ins:Limit ; skos:definition "Maximum payable for a single occurrence"@en ; rdfs:comment "Maximum payable for a single occurrence"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PerOccurrenceLimit" ; ec:sourceArtifact "pandc/coverage/limit.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PercentageDeductible a owl:Class ; rdfs:label "PercentageDeductible"@en ; rdfs:subClassOf ins:Deductible ; skos:definition "Deductible calculated as a percentage of the insured value or loss amount"@en ; rdfs:comment "Deductible calculated as a percentage of the insured value or loss amount"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PercentageDeductible" ; ec:sourceArtifact "pandc/coverage/deductible.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Peril a owl:Class ; rdfs:label "Peril"@en ; rdfs:subClassOf ins:CoveredPeril ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "A specific cause of loss that may be covered or excluded under a property or casualty insurance policy"@en ; rdfs:comment "A specific cause of loss that may be covered or excluded under a property or casualty insurance policy"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Peril" ; ec:sourceArtifact "pandc/location/peril.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PerilAssessment a owl:Class ; rdfs:label "PerilAssessment"@en ; rdfs:subClassOf gist:Assessment ; skos:definition "Abstract base class for peril-specific risk assessments"@en ; rdfs:comment "Abstract base class for peril-specific risk assessments"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PerilAssessment" ; ec:sourceArtifact "pandc/risk-location/peril-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PerilPremium a owl:Class ; rdfs:label "PerilPremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Premium attributed to a specific peril within a coverage, linked via pandc:forPeril to a pandc:Peril instance"@en ; rdfs:comment "Premium attributed to a specific peril within a coverage, linked via pandc:forPeril to a pandc:Peril instance"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PerilPremium" ; ec:sourceArtifact "pandc/rating-plan/peril-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PersonalAdvertisingInjuryCoverage a owl:Class ; rdfs:label "PersonalAdvertisingInjuryCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "GL coverage for non-physical injuries including libel, slander, copyright infringement, and privacy violations. Shares G"@en ; rdfs:comment "GL coverage for non-physical injuries including libel, slander, copyright infringement, and privacy violations. Shares G"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PersonalAdvertisingInjuryCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PersonalPropertyOfOthers a owl:Class ; rdfs:label "PersonalPropertyOfOthers"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for customer property in the insured's care, custody, or control. Per-location sublimit."@en ; rdfs:comment "Coverage for customer property in the insured's care, custody, or control. Per-location sublimit."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PersonalPropertyOfOthers" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PhysicalMitigation a owl:Class ; rdfs:label "PhysicalMitigation"@en ; rdfs:subClassOf pandc:RiskMitigation ; skos:definition "Physical controls to reduce risk (sprinklers, alarms, etc.)"@en ; rdfs:comment "Physical controls to reduce risk (sprinklers, alarms, etc.)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PhysicalMitigation" ; ec:sourceArtifact "pandc/liability-exposure/risk-mitigation.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PlacementType a owl:Class ; rdfs:label "PlacementType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary classifying the regulatory and geographic placement structure of a policy (e.g. Multinational, Sin"@en ; rdfs:comment "Controlled vocabulary classifying the regulatory and geographic placement structure of a policy (e.g. Multinational, Sin"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PlacementType" ; ec:sourceArtifact "pandc/liability-exposure/placement-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PolicyClause a owl:Class ; rdfs:label "PolicyClause"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Catalog entry for a named insuring clause (Sides 1.A-1.E) identified by pandc:clauseCode. Range of pandc:appliesToClause"@en ; rdfs:comment "Catalog entry for a named insuring clause (Sides 1.A-1.E) identified by pandc:clauseCode. Range of pandc:appliesToClause"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PolicyClause" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PolicyPremium a owl:Class ; rdfs:label "PolicyPremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Total premium for entire policy aggregating all coverages and locations"@en ; rdfs:comment "Total premium for entire policy aggregating all coverages and locations"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PolicyPremium" ; ec:sourceArtifact "pandc/rating-plan/policy-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PolicyTerritory a owl:Class ; rdfs:label "PolicyTerritory"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classification of the territorial scope of a policy, indicating the geographic regions in which coverage applies"@en ; rdfs:comment "Classification of the territorial scope of a policy, indicating the geographic regions in which coverage applies"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PolicyTerritory" ; ec:sourceArtifact "pandc/liability-exposure/geographic-exposure-split.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PollutantCleanupRemoval a owl:Class ; rdfs:label "PollutantCleanupRemoval"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Limited coverage for cost to extract and dispose of pollutants released by covered peril. Per-location sublimit."@en ; rdfs:comment "Limited coverage for cost to extract and dispose of pollutants released by covered peril. Per-location sublimit."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PollutantCleanupRemoval" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PractitionerType a owl:Class ; rdfs:label "PractitionerType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Practitioner/professional category for liability underwriting"@en ; rdfs:comment "Practitioner/professional category for liability underwriting"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PractitionerType" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PremisesHazard a owl:Class ; rdfs:label "PremisesHazard"@en ; rdfs:subClassOf pandc:GLHazard ; skos:definition "Physical premises conditions creating liability exposure"@en ; rdfs:comment "Physical premises conditions creating liability exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremisesHazard" ; ec:sourceArtifact "pandc/liability-exposure/gl-hazard.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PremisesOperationsCoverage a owl:Class ; rdfs:label "PremisesOperationsCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "GL coverage for bodily injury and property damage arising from premises ownership and ongoing business operations. Appli"@en ; rdfs:comment "GL coverage for bodily injury and property damage arising from premises ownership and ongoing business operations. Appli"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremisesOperationsCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PremiumCalculation a owl:Class ; rdfs:label "PremiumCalculation"@en ; rdfs:subClassOf ins:PremiumCalculation ; skos:definition "The computational activity that produces insurance premiums by applying rating plans, factors, and modifiers to exposure"@en ; rdfs:comment "The computational activity that produces insurance premiums by applying rating plans, factors, and modifiers to exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremiumCalculation" ; ec:sourceArtifact "pandc/rating-plan/premium-calculation.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PremiumComponent a owl:Class ; rdfs:label "PremiumComponent"@en ; rdfs:subClassOf prov:Entity ; skos:definition "An individual element of premium calculation (base premium, factor impact, modifier impact, tax, fee)"@en ; rdfs:comment "An individual element of premium calculation (base premium, factor impact, modifier impact, tax, fee)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremiumComponent" ; ec:sourceArtifact "pandc/rating-plan/premium-component.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PremiumComponentType a owl:Class ; rdfs:label "PremiumComponentType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary identifying the type of a PremiumComponent (e.g. implied claims cost, brokerage, internal expenses"@en ; rdfs:comment "Controlled vocabulary identifying the type of a PremiumComponent (e.g. implied claims cost, brokerage, internal expenses"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremiumComponentType" ; ec:sourceArtifact "pandc/rating-plan/premium-component.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PremiumDependencyType a owl:Class ; rdfs:label "PremiumDependencyType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of premium dependency type values"@en ; rdfs:comment "Enumeration of premium dependency type values"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremiumDependencyType" ; ec:sourceArtifact "pandc/rating-plan/dependent-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PremiumDetail a owl:Class ; rdfs:label "PremiumDetail"@en ; rdfs:subClassOf gist:MonetaryAmount ; skos:definition "Detailed breakdown of calculated premium including base, modified, tax, fees, and total amounts with complete lineage"@en ; rdfs:comment "Detailed breakdown of calculated premium including base, modified, tax, fees, and total amounts with complete lineage"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PremiumDetail" ; ec:sourceArtifact "pandc/rating-plan/premium-detail.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PreservationOfPropertyCoverage a owl:Class ; rdfs:label "PreservationOfPropertyCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for reasonable costs to protect property from further damage after loss. Per-occurrence at each location."@en ; rdfs:comment "Coverage for reasonable costs to protect property from further damage after loss. Per-occurrence at each location."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PreservationOfPropertyCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PrimaryCoverage a owl:Class ; rdfs:label "PrimaryCoverage"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Foundation coverage providing first-dollar protection up to policy limits"@en ; rdfs:comment "Foundation coverage providing first-dollar protection up to policy limits"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PrimaryCoverage" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PrimaryOccupancyClass a owl:Class ; rdfs:label "PrimaryOccupancyClass"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Alias for OccupancyClass representing the primary use classification"@en ; rdfs:comment "Alias for OccupancyClass representing the primary use classification"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PrimaryOccupancyClass" ; ec:sourceArtifact "pandc/building/primary-occupancy-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Product a owl:Class ; rdfs:label "Product"@en ; rdfs:subClassOf ins:Product ; skos:definition "Master catalog entry representing a distinct insurance offering. Products define fundamental business rules, eligible in"@en ; rdfs:comment "Master catalog entry representing a distinct insurance offering. Products define fundamental business rules, eligible in"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Product" ; ec:sourceArtifact "pandc/product/product.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: productCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:Product owl:hasKey ( pandc:productCode ) . pandc:ProductLine a owl:Class ; rdfs:label "ProductLine"@en ; rdfs:subClassOf gist:Category ; skos:definition "Line of business configuration grouping coverages, rating plans, eligibility criteria, and regulatory approvals for a sp"@en ; rdfs:comment "Line of business configuration grouping coverages, rating plans, eligibility criteria, and regulatory approvals for a sp"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProductLine" ; ec:sourceArtifact "pandc/product-line/product-line.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProductLineType a owl:Class ; rdfs:label "ProductLineType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification enumeration for insurance lines of business"@en ; rdfs:comment "Classification enumeration for insurance lines of business"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProductLineType" ; ec:sourceArtifact "pandc/product-line/product-line-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProductsCompletedOpsCoverage a owl:Class ; rdfs:label "ProductsCompletedOpsCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "GL coverage for liability arising from products sold or work completed away from premises. Has its own aggregate limit s"@en ; rdfs:comment "GL coverage for liability arising from products sold or work completed away from premises. Has its own aggregate limit s"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProductsCompletedOpsCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ProductsHazard a owl:Class ; rdfs:label "ProductsHazard"@en ; rdfs:subClassOf pandc:GLHazard ; skos:definition "Products liability exposures from manufacturing or distribution"@en ; rdfs:comment "Products liability exposures from manufacturing or distribution"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProductsHazard" ; ec:sourceArtifact "pandc/liability-exposure/gl-hazard.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProfessionalHazard a owl:Class ; rdfs:label "ProfessionalHazard"@en ; rdfs:subClassOf pandc:GLHazard ; skos:definition "Professional services risks and errors & omissions exposure"@en ; rdfs:comment "Professional services risks and errors & omissions exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProfessionalHazard" ; ec:sourceArtifact "pandc/liability-exposure/gl-hazard.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyCoverage a owl:Class ; rdfs:label "PropertyCoverage"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Coverage for physical property damage and business income with causes of loss, valuation basis, and coinsurance provisio"@en ; rdfs:comment "Coverage for physical property damage and business income with causes of loss, valuation basis, and coinsurance provisio"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyCoverage" ; ec:sourceArtifact "pandc/property-exposure/property-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyCoveragePart a owl:Class ; rdfs:label "PropertyCoveragePart"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Component parts of commercial property insurance coverage"@en ; rdfs:comment "Component parts of commercial property insurance coverage"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyCoveragePart" ; ec:sourceArtifact "pandc/property-exposure/property-coverage-part.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyExposure a owl:Class ; rdfs:label "PropertyExposure"@en ; rdfs:subClassOf pandc:Exposure ; skos:definition "Complete property values and exposure details representing the monetary value of property exposed to risk"@en ; rdfs:comment "Complete property values and exposure details representing the monetary value of property exposed to risk"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyExposure" ; ec:sourceArtifact "pandc/property-exposure/property-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: exposureId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:PropertyExposure owl:hasKey ( pandc:exposureId ) . pandc:PropertyInTransitCoverage a owl:Class ; rdfs:label "PropertyInTransitCoverage"@en ; rdfs:subClassOf pandc:LineLevelCoverage ; skos:definition "Coverage for property while being transported by motor vehicle. Policy-level limit (not location-specific)."@en ; rdfs:comment "Coverage for property while being transported by motor vehicle. Policy-level limit (not location-specific)."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyInTransitCoverage" ; ec:sourceArtifact "pandc/product-line/line-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyLoss a owl:Class ; rdfs:label "PropertyLoss"@en ; rdfs:subClassOf ins:LossHistory ; skos:definition "A property damage claim or loss event recorded in the insured's loss history"@en ; rdfs:comment "A property damage claim or loss event recorded in the insured's loss history"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyLoss" ; ec:sourceArtifact "pandc/rating-plan/rating-plan-supplement.jsonld" ; ec:module "Claim Core" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyMitigation a owl:Class ; rdfs:label "PropertyMitigation"@en ; rdfs:subClassOf pandc:RiskMitigation ; skos:definition "A risk mitigation measure for property exposures such as sprinkler systems, fire alarms, or security features"@en ; rdfs:comment "A risk mitigation measure for property exposures such as sprinkler systems, fire alarms, or security features"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyMitigation" ; ec:sourceArtifact "pandc/risk-location/risk-location-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyOccupancyClass a owl:Class ; rdfs:label "PropertyOccupancyClass"@en ; rdfs:subClassOf pandc:ClassificationCode ; skos:definition "Classification of building use for property rating purposes, reflecting fire hazard and loss potential"@en ; rdfs:comment "Classification of building use for property rating purposes, reflecting fire hazard and loss potential"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyOccupancyClass" ; ec:sourceArtifact "pandc/rating-plan/classification-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertySchedule a owl:Class ; rdfs:label "PropertySchedule"@en ; rdfs:subClassOf ins:Schedule ; skos:definition "A schedule enumerating individual items of personal or commercial property (e.g., Inland Marine scheduled articles, fine"@en ; rdfs:comment "A schedule enumerating individual items of personal or commercial property (e.g., Inland Marine scheduled articles, fine"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertySchedule" ; ec:sourceArtifact "pandc/schedule/property-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyScheduleItem a owl:Class ; rdfs:label "PropertyScheduleItem"@en ; rdfs:subClassOf ins:ScheduleItem ; skos:definition "A single scheduled property item with its description, agreed value, and coverage details"@en ; rdfs:comment "A single scheduled property item with its description, agreed value, and coverage details"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyScheduleItem" ; ec:sourceArtifact "pandc/schedule/property-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PropertyValuation a owl:Class ; rdfs:label "PropertyValuation"@en ; rdfs:subClassOf pandc:ExposureAmount ; skos:definition "The insured value of property for premium calculation, based on valuation method"@en ; rdfs:comment "The insured value of property for premium calculation, based on valuation method"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PropertyValuation" ; ec:sourceArtifact "pandc/rating-plan/exposure-amount.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProposedModifier a owl:Class ; rdfs:label "ProposedModifier"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "A rating modifier proposed by the underwriter but not yet applied to the premium calculation. Mirrors pandc:UWRateOverri"@en ; rdfs:comment "A rating modifier proposed by the underwriter but not yet applied to the premium calculation. Mirrors pandc:UWRateOverri"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProposedModifier" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProtectionClass a owl:Class ; rdfs:label "ProtectionClass"@en ; rdfs:subClassOf pandc:ProtectionFactor ; skos:definition "ISO Public Protection Classification or internal fire protection rating (1-10)"@en ; rdfs:comment "ISO Public Protection Classification or internal fire protection rating (1-10)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProtectionClass" ; ec:sourceArtifact "pandc/rating-plan/protection-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProtectionFactor a owl:Class ; rdfs:label "ProtectionFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Property rating adjustment based on fire protection features including responding fire department, sprinklers, and alarm"@en ; rdfs:comment "Property rating adjustment based on fire protection features including responding fire department, sprinklers, and alarm"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProtectionFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ProtectiveSafeguard a owl:Class ; rdfs:label "ProtectiveSafeguard"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "ISO protective safeguard designations P1-P9"@en ; rdfs:comment "ISO protective safeguard designations P1-P9"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ProtectiveSafeguard" ; ec:sourceArtifact "pandc/building/protective-safeguard.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:PublicProtectionClass a owl:Class ; rdfs:label "PublicProtectionClass"@en ; rdfs:subClassOf gist:Category ; skos:definition "ISO PPC rating for fire department response capabilities"@en ; rdfs:comment "ISO PPC rating for fire department response capabilities"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#PublicProtectionClass" ; ec:sourceArtifact "pandc/location/public-protection-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RateCapping a owl:Class ; rdfs:label "RateCapping"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "Regulatory or business-rule constraint limiting maximum rate increase on renewal"@en ; rdfs:comment "Regulatory or business-rule constraint limiting maximum rate increase on renewal"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateCapping" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RateCell a owl:Class ; rdfs:label "RateCell"@en ; rdfs:subClassOf pandc:BaseRate ; skos:definition "A specific rate value at the intersection of multiple rating dimensions (e.g., class code x territory x coverage type)"@en ; rdfs:comment "A specific rate value at the intersection of multiple rating dimensions (e.g., class code x territory x coverage type)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateCell" ; ec:sourceArtifact "pandc/rating-plan/base-rate.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RateChangeComponent a owl:Class ; rdfs:label "RateChangeComponent"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Post-rating attribution of renewal rate change driven by a single factor. UW-provided explanation of why rate changed (C"@en ; rdfs:comment "Post-rating attribution of renewal rate change driven by a single factor. UW-provided explanation of why rate changed (C"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateChangeComponent" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RateChangeFactorType a owl:Class ; rdfs:label "RateChangeFactorType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for rate-change attribution drivers. NIs: pandc:SIRChange, pandc:AttachmentChange, pandc:LimitChan"@en ; rdfs:comment "Controlled vocabulary for rate-change attribution drivers. NIs: pandc:SIRChange, pandc:AttachmentChange, pandc:LimitChan"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateChangeFactorType" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RateFiling a owl:Class ; rdfs:label "RateFiling"@en ; rdfs:subClassOf prov:Entity ; skos:definition "A regulatory filing submitted to state insurance department containing rate tables, rating plans, and supporting actuari"@en ; rdfs:comment "A regulatory filing submitted to state insurance department containing rate tables, rating plans, and supporting actuari"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateFiling" ; ec:sourceArtifact "pandc/rating-plan/rate-filing.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: rateFilingNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RateFiling owl:hasKey ( pandc:rateFilingNumber ) . pandc:RateStatus a owl:Class ; rdfs:label "RateStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary discriminating whether the rate applied in a premium calculation was model-computed (mechanical) o"@en ; rdfs:comment "Controlled vocabulary discriminating whether the rate applied in a premium calculation was model-computed (mechanical) o"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateStatus" ; ec:sourceArtifact "pandc/rating-plan/base-rate.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RateTable a owl:Class ; rdfs:label "RateTable"@en ; rdfs:subClassOf gist:Collection ; skos:definition "An organized collection of base rates indexed by classification codes, territories, coverage types, and/or limit bands"@en ; rdfs:comment "An organized collection of base rates indexed by classification codes, territories, coverage types, and/or limit bands"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateTable" ; ec:sourceArtifact "pandc/rating-plan/rate-table.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: rateTableId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RateTable owl:hasKey ( pandc:rateTableId ) . pandc:RateTiering a owl:Class ; rdfs:label "RateTiering"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "Risk-based rate adjustment applying different rate levels or tiers based on risk characteristics"@en ; rdfs:comment "Risk-based rate adjustment applying different rate levels or tiers based on risk characteristics"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RateTiering" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingAlgorithm a owl:Class ; rdfs:label "RatingAlgorithm"@en ; rdfs:subClassOf gist:Function ; skos:definition "A specific computational procedure for calculating premiums, including formula, factor application sequence, and busines"@en ; rdfs:comment "A specific computational procedure for calculating premiums, including formula, factor application sequence, and busines"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingAlgorithm" ; ec:sourceArtifact "pandc/rating-plan/rating-algorithm.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingFactor a owl:Class ; rdfs:label "RatingFactor"@en ; rdfs:subClassOf owl:Thing ; skos:definition "The GL-specific intermediate pandc:RatingFactor class (rdfs:subClassOf ins:RatingFactor + gist:Aspect) has been removed."@en ; rdfs:comment "The GL-specific intermediate pandc:RatingFactor class (rdfs:subClassOf ins:RatingFactor + gist:Aspect) has been removed."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingFactor" ; ec:sourceArtifact "pandc/liability-exposure/rating-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingFactorClass a owl:Class ; rdfs:label "RatingFactorClass"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Deprecated — use pandc:RatingFactor. Renamed for naming convention alignment (class suffix removed). Semantically equiva"@en ; rdfs:comment "Deprecated — use pandc:RatingFactor. Renamed for naming convention alignment (class suffix removed). Semantically equiva"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingFactorClass" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingMethod a owl:Class ; rdfs:label "RatingMethod"@en ; rdfs:subClassOf gist:Category ; skos:definition "The fundamental methodology used to calculate premiums"@en ; rdfs:comment "The fundamental methodology used to calculate premiums"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingMethod" ; ec:sourceArtifact "pandc/rating-plan/rating-method.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingModificationApplication a owl:Class ; rdfs:label "RatingModificationApplication"@en ; rdfs:subClassOf ins:UnderwritingAction ; skos:definition "A specific application of a rating modifier to a quote or policy, capturing the modification details, business justifica"@en ; rdfs:comment "A specific application of a rating modifier to a quote or policy, capturing the modification details, business justifica"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingModificationApplication" ; ec:sourceArtifact "pandc/rating-plan/rating-modification-application.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingModifier a owl:Class ; rdfs:label "RatingModifier"@en ; rdfs:subClassOf ins:RatingAdjustment ; skos:definition "Discretionary adjustment to premiums based on underwriting judgment, account characteristics, or pricing strategies not"@en ; rdfs:comment "Discretionary adjustment to premiums based on underwriting judgment, account characteristics, or pricing strategies not"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingModifier" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingPlan a owl:Class ; rdfs:label "RatingPlan"@en ; rdfs:subClassOf ins:Rating ; skos:definition "A structured framework for calculating insurance premiums based on risk factors, exposures, and coverage selections for"@en ; rdfs:comment "A structured framework for calculating insurance premiums based on risk factors, exposures, and coverage selections for"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingPlan" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: hasRatingPlanCode (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RatingPlanVersion a owl:Class ; rdfs:label "RatingPlanVersion"@en ; rdfs:subClassOf pandc:RatingPlan ; skos:definition "A specific version of a rating plan with temporal validity, enabling point-in-time rating and regulatory filing manageme"@en ; rdfs:comment "A specific version of a rating plan with temporal validity, enabling point-in-time rating and regulatory filing manageme"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingPlanVersion" ; ec:sourceArtifact "pandc/rating-plan/rating-plan-version.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: hasVersionNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RatingPlanVersion owl:hasKey ( pandc:hasVersionNumber ) . pandc:RatingSIRFactor a owl:Class ; rdfs:label "RatingSIRFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Multiplicative SIR rating input active at binding. Replaces part of the dropped pandc:RateChangeAttribution."@en ; rdfs:comment "Multiplicative SIR rating input active at binding. Replaces part of the dropped pandc:RateChangeAttribution."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingSIRFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RatingStep a owl:Class ; rdfs:label "RatingStep"@en ; rdfs:subClassOf gist:Specification ; skos:definition "An individual calculation step within a rating algorithm with defined inputs, operation, and output"@en ; rdfs:comment "An individual calculation step within a rating algorithm with defined inputs, operation, and output"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingStep" ; ec:sourceArtifact "pandc/rating-plan/rating-step.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: ratingStepId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RatingStep owl:hasKey ( pandc:ratingStepId ) . pandc:RatingType a owl:Class ; rdfs:label "RatingType"@en ; rdfs:subClassOf gist:Category ; skos:definition "The rating methodology applied to this exposure"@en ; rdfs:comment "The rating methodology applied to this exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RatingType" ; ec:sourceArtifact "pandc/rating-plan/rating-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ReferralAction a owl:Class ; rdfs:label "ReferralAction"@en ; rdfs:subClassOf ins:UnderwritingAction ; skos:definition "UW action: a policy escalated for underwriting review beyond the handling underwriter's authority. Subclass of both ins:"@en ; rdfs:comment "UW action: a policy escalated for underwriting review beyond the handling underwriter's authority. Subclass of both ins:"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ReferralAction" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RegionalEmployeeCount a owl:Class ; rdfs:label "RegionalEmployeeCount"@en ; rdfs:subClassOf pandc:ExposureAmount ; skos:definition "Per-region FT/PT headcount. Normalises ~14 FLEPL region columns; also used for D&O state headcount mode."@en ; rdfs:comment "Per-region FT/PT headcount. Normalises ~14 FLEPL region columns; also used for D&O state headcount mode."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RegionalEmployeeCount" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RegulatoryFiling a owl:Class ; rdfs:label "RegulatoryFiling"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Submission to state insurance department containing rate tables, policy forms, and actuarial justification for product a"@en ; rdfs:comment "Submission to state insurance department containing rate tables, policy forms, and actuarial justification for product a"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RegulatoryFiling" ; ec:sourceArtifact "pandc/product-line/regulatory-filing.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: filingNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RegulatoryFiling owl:hasKey ( pandc:filingNumber ) . pandc:RejectionAction a owl:Class ; rdfs:label "RejectionAction"@en ; rdfs:subClassOf ins:UnderwritingAction ; skos:definition "UW action: a rejection decision on a referred risk. Subclass of both ins:UnderwritingAction and prov:Activity (for prov:"@en ; rdfs:comment "UW action: a rejection decision on a referred risk. Subclass of both ins:UnderwritingAction and prov:Activity (for prov:"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RejectionAction" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ReportingWindow a owl:Class ; rdfs:label "ReportingWindow"@en ; rdfs:subClassOf gist:Duration ; skos:definition "Duration (value + unit) of a claims-made reporting-window extension. Parallel to ins:IndemnityPeriod. Used in ERP/discov"@en ; rdfs:comment "Duration (value + unit) of a claims-made reporting-window extension. Parallel to ins:IndemnityPeriod. Used in ERP/discov"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ReportingWindow" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RevenueExposure a owl:Class ; rdfs:label "RevenueExposure"@en ; rdfs:subClassOf pandc:ExposureBasis ; skos:definition "Sales/revenue based exposure measurement"@en ; rdfs:comment "Sales/revenue based exposure measurement"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RevenueExposure" ; ec:sourceArtifact "pandc/liability-exposure/exposure-basis.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskAssessment a owl:Class ; rdfs:label "RiskAssessment"@en ; rdfs:subClassOf ins:UnderwritingFactor ; skos:definition "Abstract base class for various types of risk assessments"@en ; rdfs:comment "Abstract base class for various types of risk assessments"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskAssessment" ; ec:sourceArtifact "pandc/location/location-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskEngineeringLevel a owl:Class ; rdfs:label "RiskEngineeringLevel"@en ; rdfs:subClassOf gist:Category ; skos:definition "Classifies the degree of Chubb Technical Risk Management engagement on a risk (e.g. Full Survey, Desk Review, None). Use"@en ; rdfs:comment "Classifies the degree of Chubb Technical Risk Management engagement on a risk (e.g. Full Survey, Desk Review, None). Use"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskEngineeringLevel" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskLevelCoverage a owl:Class ; rdfs:label "RiskLevelCoverage"@en ; rdfs:subClassOf pandc:Coverage ; skos:definition "Coverage that applies to a specific insurable interest (location, building, vehicle, scheduled item) with limits and ded"@en ; rdfs:comment "Coverage that applies to a specific insurable interest (location, building, vehicle, scheduled item) with limits and ded"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskLevelCoverage" ; ec:sourceArtifact "pandc/risk-level-coverage/risk-level-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskLocation a owl:Class ; rdfs:label "RiskLocation"@en ; rdfs:subClassOf ins:PolicyTerm ; skos:definition "A policy-term contextualized location with comprehensive peril-specific attributes used for rating and underwriting"@en ; rdfs:comment "A policy-term contextualized location with comprehensive peril-specific attributes used for rating and underwriting"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskLocation" ; ec:sourceArtifact "pandc/risk-location/risk-location.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: riskLocationNumber (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:RiskLocation owl:hasKey ( pandc:riskLocationNumber ) . pandc:RiskLocationBuilding a owl:Class ; rdfs:label "RiskLocationBuilding"@en ; rdfs:subClassOf gist:Agreement ; skos:definition "Bridge entity connecting risk locations to buildings with coverage-specific attributes"@en ; rdfs:comment "Bridge entity connecting risk locations to buildings with coverage-specific attributes"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskLocationBuilding" ; ec:sourceArtifact "pandc/risk-location/risk-location-building.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskLocationPeril a owl:Class ; rdfs:label "RiskLocationPeril"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "Peril-specific attributes for a risk location including zones and modeling results"@en ; rdfs:comment "Peril-specific attributes for a risk location including zones and modeling results"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskLocationPeril" ; ec:sourceArtifact "pandc/risk-location/risk-location-peril.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskMitigation a owl:Class ; rdfs:label "RiskMitigation"@en ; rdfs:subClassOf gist:Intention ; skos:definition "Safety, security, or quality measures that reduce risk exposure"@en ; rdfs:comment "Safety, security, or quality measures that reduce risk exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskMitigation" ; ec:sourceArtifact "pandc/liability-exposure/risk-mitigation.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskPremium a owl:Class ; rdfs:label "RiskPremium"@en ; rdfs:subClassOf pandc:PremiumDetail ; skos:definition "Premium for a risk-level coverage (instance of pandc:RiskLevelCoverage), attributed to a single insurable object under t"@en ; rdfs:comment "Premium for a risk-level coverage (instance of pandc:RiskLevelCoverage), attributed to a single insurable object under t"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskPremium" ; ec:sourceArtifact "pandc/rating-plan/risk-premium.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RiskTier a owl:Class ; rdfs:label "RiskTier"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Risk classification tier assigned to a location based on overall risk score, ranging from Preferred to Declined"@en ; rdfs:comment "Risk classification tier assigned to a location based on overall risk score, ranging from Preferred to Declined"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RiskTier" ; ec:sourceArtifact "pandc/location/risk-tier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RoofDetails a owl:Class ; rdfs:label "RoofDetails"@en ; rdfs:subClassOf gist:Aspect ; skos:definition "Detailed roof characteristics for wind and weather exposure"@en ; rdfs:comment "Detailed roof characteristics for wind and weather exposure"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RoofDetails" ; ec:sourceArtifact "pandc/building/roof-details.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RoofFactor a owl:Class ; rdfs:label "RoofFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Property rating adjustment based on roof material and age affecting loss potential"@en ; rdfs:comment "Property rating adjustment based on roof material and age affecting loss potential"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RoofFactor" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:RoofGeometry a owl:Class ; rdfs:label "RoofGeometry"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Enumeration of roof geometry values"@en ; rdfs:comment "Enumeration of roof geometry values"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#RoofGeometry" ; ec:sourceArtifact "pandc/building/building.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SICCode a owl:Class ; rdfs:label "SICCode"@en ; rdfs:subClassOf ins:SICCode ; skos:definition "Standard Industrial Classification - 4-digit code classifying industries by primary business activity (legacy system)"@en ; rdfs:comment "Standard Industrial Classification - 4-digit code classifying industries by primary business activity (legacy system)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SICCode" ; ec:sourceArtifact "pandc/product/industry-classification.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:SafetyProgram a owl:Class ; rdfs:label "SafetyProgram"@en ; rdfs:subClassOf gist:Service ; skos:definition "Formal safety and loss control program"@en ; rdfs:comment "Formal safety and loss control program"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SafetyProgram" ; ec:sourceArtifact "pandc/liability-exposure/safety-program.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SalaryBandEmployeeCount a owl:Class ; rdfs:label "SalaryBandEmployeeCount"@en ; rdfs:subClassOf pandc:ExposureAmount ; skos:definition "Per-salary-band headcount for EPL exposure rating."@en ; rdfs:comment "Per-salary-band headcount for EPL exposure rating."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SalaryBandEmployeeCount" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ScheduleModifier a owl:Class ; rdfs:label "ScheduleModifier"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Risk characteristic based rating adjustment"@en ; rdfs:comment "Risk characteristic based rating adjustment"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ScheduleModifier" ; ec:sourceArtifact "pandc/liability-exposure/rating-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ScheduleRating a owl:Class ; rdfs:label "ScheduleRating"@en ; rdfs:subClassOf pandc:RatingModifier ; skos:definition "Underwriting-based premium adjustment evaluating specific risk characteristics across defined categories"@en ; rdfs:comment "Underwriting-based premium adjustment evaluating specific risk characteristics across defined categories"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ScheduleRating" ; ec:sourceArtifact "pandc/rating-plan/rating-modifier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ScheduleRatingCategory a owl:Class ; rdfs:label "ScheduleRatingCategory"@en ; rdfs:subClassOf gist:Category ; skos:definition "A specific dimension of risk quality evaluated in schedule rating"@en ; rdfs:comment "A specific dimension of risk quality evaluated in schedule rating"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ScheduleRatingCategory" ; ec:sourceArtifact "pandc/rating-plan/schedule-rating-category.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ScoringProvider a owl:Class ; rdfs:label "ScoringProvider"@en ; rdfs:subClassOf gist:Category ; skos:definition "Controlled vocabulary identifying the source of a cyber risk score (e.g. third-party vendor or internal Chubb model). NI"@en ; rdfs:comment "Controlled vocabulary identifying the source of a cyber risk score (e.g. third-party vendor or internal Chubb model). NI"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ScoringProvider" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SecurityRiskAssessment a owl:Class ; rdfs:label "SecurityRiskAssessment"@en ; rdfs:subClassOf pandc:RiskAssessment ; skos:definition "Crime and security risk assessment for a location"@en ; rdfs:comment "Crime and security risk assessment for a location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SecurityRiskAssessment" ; ec:sourceArtifact "pandc/location/security-risk-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SecuritySystemType a owl:Class ; rdfs:label "SecuritySystemType"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Referenced by the source LDM but never defined (dangling IRI). Declared here as a stub so the graph resolves."@en ; rdfs:comment "Referenced by the source LDM but never defined (dangling IRI). Declared here as a stub so the graph resolves."@en ; ec:module "P&C Product / Coverage / Rating" ; ec:dataQualityFlag "DANGLING-IRI: referenced by the source LDM but never defined." ; ec:conformance "Non-conformant - stub" ; rdfs:isDefinedBy . pandc:SeismicDesignCategory a owl:Class ; rdfs:label "SeismicDesignCategory"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Building seismic design classification per ASCE 7 standard, ranging from Category A (lowest risk) through Category F (hi"@en ; rdfs:comment "Building seismic design classification per ASCE 7 standard, ranging from Category A (lowest risk) through Category F (hi"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SeismicDesignCategory" ; ec:sourceArtifact "pandc/risk-location/seismic-design-category.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SelectionStatus a owl:Class ; rdfs:label "SelectionStatus"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for selection availability of a coverage (Mandatory, Optional, Excluded)"@en ; rdfs:comment "Controlled vocabulary for selection availability of a coverage (Mandatory, Optional, Excluded)"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SelectionStatus" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SelfInsuredRetention a owl:Class ; rdfs:label "SelfInsuredRetention"@en ; rdfs:subClassOf ins:Deductible ; skos:definition "Amount retained by the insured before excess or umbrella coverage responds, where the insured handles claims within the"@en ; rdfs:comment "Amount retained by the insured before excess or umbrella coverage responds, where the insured handles claims within the"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SelfInsuredRetention" ; ec:sourceArtifact "pandc/coverage/deductible.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SignCoverage a owl:Class ; rdfs:label "SignCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for exterior and interior signs including neon, electronic, and monument signs. Per-location or scheduled."@en ; rdfs:comment "Coverage for exterior and interior signs including neon, electronic, and monument signs. Per-location or scheduled."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SignCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:SpeedUnit a owl:Class ; rdfs:label "SpeedUnit"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Unit of measurement for vessel speed. A-box NIs: pandc:Knots, pandc:KilometresPerHour, pandc:MilesPerHour. Follows the s"@en ; rdfs:comment "Unit of measurement for vessel speed. A-box NIs: pandc:Knots, pandc:KilometresPerHour, pandc:MilesPerHour. Follows the s"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SpeedUnit" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SpoilageCoverage a owl:Class ; rdfs:label "SpoilageCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for loss of perishable goods due to equipment breakdown or power outage. Per-location limits."@en ; rdfs:comment "Coverage for loss of perishable goods due to equipment breakdown or power outage. Per-location limits."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SpoilageCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:SprinklerSystemType a owl:Class ; rdfs:label "SprinklerSystemType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Types of automatic sprinkler systems per NFPA 13"@en ; rdfs:comment "Types of automatic sprinkler systems per NFPA 13"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SprinklerSystemType" ; ec:sourceArtifact "pandc/building/sprinkler-system-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:StandardizedAddress a owl:Class ; rdfs:label "StandardizedAddress"@en ; rdfs:subClassOf schema:PostalAddress ; skos:definition "Address components parsed and standardized by geocoding API"@en ; rdfs:comment "Address components parsed and standardized by geocoding API"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#StandardizedAddress" ; ec:sourceArtifact "pandc/location/address.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; ec:w3cPattern "Business key: deliveryPointBarcode, internationalAddressId (candidate owl:hasKey / sh:uniqueness constraint)" ; rdfs:isDefinedBy . pandc:StandardizedAddress owl:hasKey ( pandc:deliveryPointBarcode pandc:internationalAddressId ) . pandc:StateApproval a owl:Class ; rdfs:label "StateApproval"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Regulatory approval record for product version in specific jurisdiction with effective and expiration dates"@en ; rdfs:comment "Regulatory approval record for product version in specific jurisdiction with effective and expiration dates"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#StateApproval" ; ec:sourceArtifact "pandc/product-line/state-approval.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:StatePremiumAllocation a owl:Class ; rdfs:label "StatePremiumAllocation"@en ; rdfs:subClassOf pandc:PremiumComponent ; skos:definition "Premium allocation percentage — state levy apportionment (pandc:hasJurisdiction) or Coverage-Part split DO/CRI (pandc:ha"@en ; rdfs:comment "Premium allocation percentage — state levy apportionment (pandc:hasJurisdiction) or Coverage-Part split DO/CRI (pandc:ha"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#StatePremiumAllocation" ; ec:sourceArtifact "pandc/rating-plan/rating-plan.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:StockCoverage a owl:Class ; rdfs:label "StockCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for stock, inventory, raw materials, and work-in-progress held at an insured building. Rated individually per l"@en ; rdfs:comment "Coverage for stock, inventory, raw materials, and work-in-progress held at an insured building. Rated individually per l"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#StockCoverage" ; ec:sourceArtifact "pandc/risk-level-coverage/stock-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Storage a owl:Class ; rdfs:label "Storage"@en ; rdfs:subClassOf gist:Place ; skos:definition "A physical premises where fine art / valuable items are kept (vault, museum, gallery, residence, restorer). Carries occu"@en ; rdfs:comment "A physical premises where fine art / valuable items are kept (vault, museum, gallery, residence, restorer). Carries occu"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Storage" ; ec:sourceArtifact "pandc/exposure/fine-art-storage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:StowageType a owl:Class ; rdfs:label "StowageType"@en ; rdfs:subClassOf gist:Category ; skos:definition "Controlled vocabulary for how marine cargo is stowed during transit (e.g. containerised, bulk, breakbulk). Used with pan"@en ; rdfs:comment "Controlled vocabulary for how marine cargo is stowed during transit (e.g. containerised, bulk, breakbulk). Used with pan"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#StowageType" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SubLimitType a owl:Class ; rdfs:label "SubLimitType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of the category of loss or cost that a sublimit caps within a coverage. Controlled vocabulary linked from"@en ; rdfs:comment "Classification of the category of loss or cost that a sublimit caps within a coverage. Controlled vocabulary linked from"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SubLimitType" ; ec:sourceArtifact "pandc/product/sublimit-type.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SublimitLevel a owl:Class ; rdfs:label "SublimitLevel"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of the level at which a catastrophe sublimit operates — whether it caps losses across the whole policy, p"@en ; rdfs:comment "Classification of the level at which a catastrophe sublimit operates — whether it caps losses across the whole policy, p"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SublimitLevel" ; ec:sourceArtifact "pandc/cat-sublimit/cat-sublimit-entry.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:SublimitProvision a owl:Class ; rdfs:label "SublimitProvision"@en ; rdfs:subClassOf pandc:LimitProvision ; skos:definition "Maximum amount payable for specific category of loss, operating within primary policy limits"@en ; rdfs:comment "Maximum amount payable for specific category of loss, operating within primary policy limits"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#SublimitProvision" ; ec:sourceArtifact "pandc/product/product-supplement.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:TRIATier a owl:Class ; rdfs:label "TRIATier"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Terrorism Risk Insurance Act tier classification indicating relative terrorism risk exposure for a location"@en ; rdfs:comment "Terrorism Risk Insurance Act tier classification indicating relative terrorism risk exposure for a location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TRIATier" ; ec:sourceArtifact "pandc/risk-location/tria-tier.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Tax a owl:Class ; rdfs:label "Tax"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Statutory tax charge collected by the insurer — NOT a premium component. Linked via pandc:hasTax. Supersedes pandc:Locat"@en ; rdfs:comment "Statutory tax charge collected by the insurer — NOT a premium component. Linked via pandc:hasTax. Supersedes pandc:Locat"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Tax" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TaxDeclaration a owl:Class ; rdfs:label "TaxDeclaration"@en ; rdfs:subClassOf owl:Thing ; skos:definition "A formal compliance declaration received from an insured (or broker) confirming eligibility for a specific tax exemption"@en ; rdfs:comment "A formal compliance declaration received from an insured (or broker) confirming eligibility for a specific tax exemption"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TaxDeclaration" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TaxType a owl:Class ; rdfs:label "TaxType"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Controlled vocabulary for statutory tax types. NIs: pandc:ConsumptionTax, pandc:StampTax, pandc:SalesServiceTax, pandc:I"@en ; rdfs:comment "Controlled vocabulary for statutory tax types. NIs: pandc:ConsumptionTax, pandc:StampTax, pandc:SalesServiceTax, pandc:I"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TaxType" ; ec:sourceArtifact "pandc/coverage/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TenantsImprovementsBetterments a owl:Class ; rdfs:label "TenantsImprovementsBetterments"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for tenant-installed fixtures, alterations, and improvements in rented/leased premises. Per-location coverage."@en ; rdfs:comment "Coverage for tenant-installed fixtures, alterations, and improvements in rented/leased premises. Per-location coverage."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TenantsImprovementsBetterments" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:TerritoryCode a owl:Class ; rdfs:label "TerritoryCode"@en ; rdfs:subClassOf gist:Place ; skos:definition "A geographic rating territory within a state, grouping areas with similar loss experience for rating purposes"@en ; rdfs:comment "A geographic rating territory within a state, grouping areas with similar loss experience for rating purposes"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TerritoryCode" ; ec:sourceArtifact "pandc/rating-plan/territory-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TerritoryFactor a owl:Class ; rdfs:label "TerritoryFactor"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Geographic-based rating factor"@en ; rdfs:comment "Geographic-based rating factor"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TerritoryFactor" ; ec:sourceArtifact "pandc/liability-exposure/rating-factor.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TerritoryFactorClass a owl:Class ; rdfs:label "TerritoryFactorClass"@en ; rdfs:subClassOf pandc:RatingFactor ; skos:definition "Geographic risk adjustment based on territory loss experience, catastrophe exposure, and economic factors"@en ; rdfs:comment "Geographic risk adjustment based on territory loss experience, catastrophe exposure, and economic factors"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TerritoryFactorClass" ; ec:sourceArtifact "pandc/rating-plan/rating-factor-class.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TerritoryMapping a owl:Class ; rdfs:label "TerritoryMapping"@en ; rdfs:subClassOf gist:Specification ; skos:definition "Mapping of ZIP codes, counties, or cities to rating territories"@en ; rdfs:comment "Mapping of ZIP codes, counties, or cities to rating territories"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TerritoryMapping" ; ec:sourceArtifact "pandc/rating-plan/territory-mapping.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TerrorismAssessment a owl:Class ; rdfs:label "TerrorismAssessment"@en ; rdfs:subClassOf pandc:PerilAssessment ; skos:definition "TRIA terrorism risk assessment including tier classifications"@en ; rdfs:comment "TRIA terrorism risk assessment including tier classifications"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TerrorismAssessment" ; ec:sourceArtifact "pandc/risk-location/terrorism-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ThirdPartyConstructionCode a owl:Class ; rdfs:label "ThirdPartyConstructionCode"@en ; rdfs:subClassOf gist:Category ; skos:definition "A construction type code assigned by a third-party vendor (e.g., RMS, EMEA Construction Table) to categorise a building'"@en ; rdfs:comment "A construction type code assigned by a third-party vendor (e.g., RMS, EMEA Construction Table) to categorise a building'"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ThirdPartyConstructionCode" ; ec:sourceArtifact "pandc/building/third-party-construction-code.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:TimeUnit a owl:Class ; rdfs:label "TimeUnit"@en ; rdfs:subClassOf gist:UnitOfMeasure ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Unit of measurement for time-bounded coverage attributes (waiting periods, indemnity periods). Members: Hours, Days, Wee"@en ; rdfs:comment "Unit of measurement for time-bounded coverage attributes (waiting periods, indemnity periods). Members: Hours, Days, Wee"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#TimeUnit" ; ec:sourceArtifact "pandc/exposure/exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:UWRateOverride a owl:Class ; rdfs:label "UWRateOverride"@en ; rdfs:subClassOf gist:Magnitude ; skos:definition "A rate value chosen by the underwriter, departing from the system-computed mechanical base rate. Linked from pandc:Premi"@en ; rdfs:comment "A rate value chosen by the underwriter, departing from the system-computed mechanical base rate. Linked from pandc:Premi"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#UWRateOverride" ; ec:sourceArtifact "pandc/rating-plan/base-rate.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:UmbrellaCoverage a owl:Class ; rdfs:label "UmbrellaCoverage"@en ; rdfs:subClassOf pandc:ExcessCoverage ; skos:definition "Broad excess coverage that provides limits above underlying policies and may drop down for claims not covered by underly"@en ; rdfs:comment "Broad excess coverage that provides limits above underlying policies and may drop down for claims not covered by underly"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#UmbrellaCoverage" ; ec:sourceArtifact "pandc/coverage/excess-coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:UnderlyingInsuranceSchedule a owl:Class ; rdfs:label "UnderlyingInsuranceSchedule"@en ; rdfs:subClassOf ins:Schedule ; skos:definition "A schedule listing the required underlying primary and umbrella insurance policies that must be maintained before an exc"@en ; rdfs:comment "A schedule listing the required underlying primary and umbrella insurance policies that must be maintained before an exc"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#UnderlyingInsuranceSchedule" ; ec:sourceArtifact "pandc/schedule/underlying-insurance-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:UnderlyingInsuranceScheduleItem a owl:Class ; rdfs:label "UnderlyingInsuranceScheduleItem"@en ; rdfs:subClassOf ins:ScheduleItem ; skos:definition "A single underlying policy listed on an umbrella or excess policy's Schedule of Underlying Insurance, including carrier,"@en ; rdfs:comment "A single underlying policy listed on an umbrella or excess policy's Schedule of Underlying Insurance, including carrier,"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#UnderlyingInsuranceScheduleItem" ; ec:sourceArtifact "pandc/schedule/underlying-insurance-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:UnitExposure a owl:Class ; rdfs:label "UnitExposure"@en ; rdfs:subClassOf pandc:ExposureBasis ; skos:definition "Custom unit based exposure measurement"@en ; rdfs:comment "Custom unit based exposure measurement"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#UnitExposure" ; ec:sourceArtifact "pandc/liability-exposure/exposure-basis.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ValuablePapersRecordsCoverage a owl:Class ; rdfs:label "ValuablePapersRecordsCoverage"@en ; rdfs:subClassOf pandc:RiskLevelCoverage ; skos:definition "Coverage for cost to research, replace, or restore lost documents and records. Per-location limits."@en ; rdfs:comment "Coverage for cost to research, replace, or restore lost documents and records. Per-location limits."@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ValuablePapersRecordsCoverage" ; ec:sourceArtifact "pandc/product-line/coverage.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; owl:deprecated true ; ec:conformance "Deprecated in source LDM v1.06" ; rdfs:isDefinedBy . pandc:ValuationBasis a owl:Class ; rdfs:label "ValuationBasis"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Method for determining claim settlement value"@en ; rdfs:comment "Method for determining claim settlement value"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ValuationBasis" ; ec:sourceArtifact "pandc/building/valuation-basis.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ValuationMethod a owl:Class ; rdfs:label "ValuationMethod"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Method for determining insured property value and basis of claim settlement"@en ; rdfs:comment "Method for determining insured property value and basis of claim settlement"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ValuationMethod" ; ec:sourceArtifact "pandc/product/valuation-method.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:ValuationMethodRating a owl:Class ; rdfs:label "ValuationMethodRating"@en ; rdfs:subClassOf gist:Category ; skos:definition "The basis for determining property insured value in rating context"@en ; rdfs:comment "The basis for determining property insured value in rating context"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#ValuationMethodRating" ; ec:sourceArtifact "pandc/rating-plan/valuation-method-rating.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:VehicleSchedule a owl:Class ; rdfs:label "VehicleSchedule"@en ; rdfs:subClassOf ins:Schedule ; skos:definition "A schedule enumerating individually listed vehicles covered under a commercial auto or fleet policy. Applies where cover"@en ; rdfs:comment "A schedule enumerating individually listed vehicles covered under a commercial auto or fleet policy. Applies where cover"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#VehicleSchedule" ; ec:sourceArtifact "pandc/schedule/vehicle-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:VehicleScheduleItem a owl:Class ; rdfs:label "VehicleScheduleItem"@en ; rdfs:subClassOf ins:ScheduleItem ; skos:definition "A single vehicle listed on a vehicle schedule with its year, make, model, VIN, and applicable coverage details"@en ; rdfs:comment "A single vehicle listed on a vehicle schedule with its year, make, model, VIN, and applicable coverage details"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#VehicleScheduleItem" ; ec:sourceArtifact "pandc/schedule/vehicle-schedule.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:VersionStatus a owl:Class ; rdfs:label "VersionStatus"@en ; rdfs:subClassOf gist:Category ; skos:definition "Lifecycle state of product version indicating regulatory and operational readiness"@en ; rdfs:comment "Lifecycle state of product version indicating regulatory and operational readiness"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#VersionStatus" ; ec:sourceArtifact "pandc/product/version-status.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:Vessel a owl:Class ; rdfs:label "Vessel"@en ; rdfs:subClassOf pandc:InsurableObject ; skos:definition "Marine vessel — an insurable object. Carries intrinsic vessel characteristics (name, IMO, type, flag, tonnage, year buil"@en ; rdfs:comment "Marine vessel — an insurable object. Carries intrinsic vessel characteristics (name, IMO, type, flag, tonnage, year buil"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#Vessel" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:VesselRiskType a owl:Class ; rdfs:label "VesselRiskType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Vessel risk-type classification used in marine hull rating (Bluewater, Inshore, Coastal, InlandWater). Source field: Hul"@en ; rdfs:comment "Vessel risk-type classification used in marine hull rating (Bluewater, Inshore, Coastal, InlandWater). Source field: Hul"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#VesselRiskType" ; ec:sourceArtifact "pandc/insurable-object/insurable-object.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:WUIClassification a owl:Class ; rdfs:label "WUIClassification"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Wildland-Urban Interface classification indicating the degree of wildfire proximity risk for a location"@en ; rdfs:comment "Wildland-Urban Interface classification indicating the degree of wildfire proximity risk for a location"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#WUIClassification" ; ec:sourceArtifact "pandc/risk-location/wui-classification.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:WildfireAssessment a owl:Class ; rdfs:label "WildfireAssessment"@en ; rdfs:subClassOf pandc:PerilAssessment ; skos:definition "Wildfire and brushfire risk assessment including WUI zones and fuel load"@en ; rdfs:comment "Wildfire and brushfire risk assessment including WUI zones and fuel load"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#WildfireAssessment" ; ec:sourceArtifact "pandc/risk-location/wildfire-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:WindAssessment a owl:Class ; rdfs:label "WindAssessment"@en ; rdfs:subClassOf pandc:PerilAssessment ; skos:definition "Wind and hurricane risk assessment including design wind speeds and storm categories"@en ; rdfs:comment "Wind and hurricane risk assessment including design wind speeds and storm categories"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#WindAssessment" ; ec:sourceArtifact "pandc/risk-location/wind-assessment.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . pandc:WorkforceExposure a owl:Class ; rdfs:label "WorkforceExposure"@en ; rdfs:subClassOf pandc:LiabilityExposure ; skos:definition "EPL exposure profile of the insured (headcounts, salary bands, regional headcounts, HR-quality flags, retrenchment/turno"@en ; rdfs:comment "EPL exposure profile of the insured (headcounts, salary bands, regional headcounts, HR-quality flags, retrenchment/turno"@en ; ec:legacyIRI "https://chubb.com/ontology/pandc#WorkforceExposure" ; ec:sourceArtifact "pandc/liability-exposure/liability-exposure.jsonld" ; ec:module "P&C Product / Coverage / Rating" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ra:RiskEngineeringSurvey a owl:Class ; rdfs:label "RiskEngineeringSurvey"@en ; rdfs:subClassOf gist:Event ; skos:definition "A physical site visit or inspection event conducted by a risk engineer. Observations from third-party feeds do NOT requi"@en ; rdfs:comment "A physical site visit or inspection event conducted by a risk engineer. Observations from third-party feeds do NOT requi"@en ; ec:legacyIRI "https://chubb.com/ontology/ra#RiskEngineeringSurvey" ; ec:sourceArtifact "ra/risk-engineering-survey.jsonld" ; ec:module "Risk Appetite" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ra:RiskIndicatorType a owl:Class ; rdfs:label "RiskIndicatorType"@en ; rdfs:subClassOf gist:Category ; rdfs:subClassOf skos:Concept ; ec:w3cPattern "SKOS controlled vocabulary - members are skos:Concept individuals in a skos:ConceptScheme" ; skos:definition "Classification of risk observation indicators covering both analytical scores and engineering inspection findings"@en ; rdfs:comment "Classification of risk observation indicators covering both analytical scores and engineering inspection findings"@en ; ec:legacyIRI "https://chubb.com/ontology/ra#RiskIndicatorType" ; ec:sourceArtifact "ra/risk-indicator-type.jsonld" ; ec:module "Risk Appetite" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . ra:RiskObservation a owl:Class ; rdfs:label "RiskObservation"@en ; rdfs:subClassOf gist:Event ; skos:definition "A single analytic result, inspection finding, or third-party data point recorded at a point in time about a subject (Pol"@en ; rdfs:comment "A single analytic result, inspection finding, or third-party data point recorded at a point in time about a subject (Pol"@en ; ec:legacyIRI "https://chubb.com/ontology/ra#RiskObservation" ; ec:sourceArtifact "ra/risk-observation.jsonld" ; ec:module "Risk Appetite" ; ec:conformance "Inherited from LDM v1.06" ; rdfs:isDefinedBy . #---------------------------------------------------------------------------------------------------- # OBJECT PROPERTIES #---------------------------------------------------------------------------------------------------- ins:accountHolderParty a owl:ObjectProperty ; rdfs:label "accountHolderParty"@en ; rdfs:domain ins:Account ; rdfs:range ins:Party ; a owl:FunctionalProperty ; skos:definition "Links an Account to its insured Party. owl:FunctionalProperty — one insured party per Account. Decision: NW."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:affectedCoverageTemplate a owl:ObjectProperty ; rdfs:label "affectedCoverageTemplate"@en ; rdfs:domain pandc:ConditionalRequirement ; rdfs:range pandc:CoverageTemplate ; rdfs:isDefinedBy . pandc:aggregatesIntoPolicyPremium a owl:ObjectProperty ; rdfs:label "aggregatesIntoPolicyPremium"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range pandc:PolicyPremium ; rdfs:isDefinedBy . pandc:appliedBy a owl:ObjectProperty ; rdfs:label "appliedBy"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range ins:PartyRole ; a owl:FunctionalProperty ; skos:definition "The party role who applied this modification"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:appliedInRatingMethod a owl:ObjectProperty ; rdfs:label "appliedInRatingMethod"@en ; rdfs:domain pandc:CATLoadFactor ; rdfs:range pandc:RatingMethod ; rdfs:isDefinedBy . pandc:appliedRateStatus a owl:ObjectProperty ; rdfs:label "appliedRateStatus"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:RateStatus ; skos:definition "Discriminates whether the base rate applied in this calculation was model-computed (mechanical) or underwriter-selected."@en ; rdfs:isDefinedBy . pandc:appliesModifier a owl:ObjectProperty ; rdfs:label "appliesModifier"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:RatingModifier ; skos:definition "A rating modifier applied during this calculation"@en ; rdfs:isDefinedBy . ins:appliesTo a owl:ObjectProperty ; rdfs:label "appliesTo"@en ; rdfs:domain ins:Surcharge ; rdfs:range owl:Thing ; skos:definition "Entity to which surcharge applies (quote-level, coverage-level, or location-level)"@en ; rdfs:isDefinedBy . pandc:appliesToBuilding a owl:ObjectProperty ; rdfs:label "appliesToBuilding"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range pandc:Building ; skos:definition "The specific building this risk-level coverage applies to"@en ; rdfs:isDefinedBy . pandc:appliesToClause a owl:ObjectProperty ; rdfs:label "appliesToClause"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:PolicyClause ; skos:definition "Links an additional limit, deductible, or clause-scoped sublimit to the insuring clause it applies to. Unified replaceme"@en ; rdfs:isDefinedBy . pandc:appliesToLocation a owl:ObjectProperty ; rdfs:label "appliesToLocation"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range pandc:Location ; skos:definition "The specific location this risk-level coverage applies to"@en ; rdfs:isDefinedBy . pandc:appliesToOccupancy a owl:ObjectProperty ; rdfs:label "appliesToOccupancy"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:OccupancyClass ; skos:definition "Occupancy class this product is designed for"@en ; rdfs:isDefinedBy . ins:appliesToPeril a owl:ObjectProperty ; rdfs:label "appliesToPeril"@en ; rdfs:domain ins:ScheduleItem ; rdfs:range pandc:Peril ; skos:definition "Restricts this schedule item to a specific peril (e.g., a separate wind/hail row with its own limit and deductible)"@en ; rdfs:isDefinedBy . pandc:appliesToSchedule a owl:ObjectProperty ; rdfs:label "appliesToSchedule"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:Schedule ; skos:definition "Coverage applies to the items enumerated on this Schedule (e.g., Building Coverage applies to the Statement of Values)."@en ; rdfs:isDefinedBy . ins:appliesUnderwritingRule a owl:ObjectProperty ; rdfs:label "appliesUnderwritingRule"@en ; rdfs:domain ins:UnderwritingAction ; rdfs:range ins:UnderwritingRule ; skos:definition "Links an underwriting action to the rule that governs it"@en ; rdfs:isDefinedBy . ins:appointmentStatus a owl:ObjectProperty ; rdfs:label "appointmentStatus"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range ins:AppointmentStatus ; a owl:FunctionalProperty ; skos:definition "Status of appointment (ACTIVE, TERMINATED, SUSPENDED)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:approvedByParty a owl:ObjectProperty ; rdfs:label "approvedByParty"@en ; rdfs:domain pandc:ApprovalAction ; rdfs:range ins:Party ; skos:definition "Links an ApprovalAction to the approving Party. Distinct from ins:approvedBy which carries the approver name as a string"@en ; rdfs:isDefinedBy . pandc:assessesLocation a owl:ObjectProperty ; rdfs:label "assessesLocation"@en ; rdfs:domain pandc:DataQualityIndicator ; rdfs:range pandc:InsurableLocation ; rdfs:isDefinedBy . ins:attachmentType a owl:ObjectProperty ; rdfs:label "attachmentType"@en ; rdfs:domain ins:Attachment ; rdfs:range ins:AttachmentType ; skos:definition "Classification of the attachment (e.g., ACORD application, loss run, SOV, photos)"@en ; rdfs:isDefinedBy . pandc:availableForCoverage a owl:ObjectProperty ; rdfs:label "availableForCoverage"@en ; rdfs:domain pandc:DeductibleOption ; rdfs:range pandc:CoverageTemplate ; a owl:FunctionalProperty ; skos:definition "Coverage template this option applies to"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:belongsToInsurableObject a owl:ObjectProperty ; rdfs:label "belongsToInsurableObject"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range pandc:InsurableObject ; skos:definition "The insurable object(s) this risk-level coverage protects (buildings, locations, vehicles, scheduled items)"@en ; rdfs:isDefinedBy . pandc:belongsToProduct a owl:ObjectProperty ; rdfs:label "belongsToProduct"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:Product ; a owl:FunctionalProperty ; skos:definition "Links product lines configuration back to its parent product"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:belongsToProductLine a owl:ObjectProperty ; rdfs:label "belongsToProductLine"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range pandc:ProductLine ; skos:definition "The product line(s) this line-level coverage is associated with"@en ; rdfs:isDefinedBy . pandc:calculatedBy a owl:ObjectProperty ; rdfs:label "calculatedBy"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range prov:Agent ; skos:definition "The rating engine or system that performed the calculation"@en ; rdfs:isDefinedBy . pandc:calculatesFor a owl:ObjectProperty ; rdfs:label "calculatesFor"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range ins:Quote ; a owl:FunctionalProperty ; skos:definition "The quote this calculation produces premium for"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:catSubLimitAppliesToBuilding a owl:ObjectProperty ; rdfs:label "catSubLimitAppliesToBuilding"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range pandc:Building ; skos:definition "The specific building to which this catastrophe sub-limit entry is scoped. Separate from pandc:appliesToBuilding (domain"@en ; rdfs:isDefinedBy . pandc:catSubLimitAppliesToLocation a owl:ObjectProperty ; rdfs:label "catSubLimitAppliesToLocation"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range pandc:Location ; skos:definition "The specific location to which this catastrophe sub-limit entry is scoped. Separate from pandc:appliesToLocation (domain"@en ; rdfs:isDefinedBy . pandc:causesOfLossForm a owl:ObjectProperty ; rdfs:label "causesOfLossForm"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range pandc:CausesOfLossForm ; skos:definition "ISO form defining scope of covered perils"@en ; rdfs:isDefinedBy . ins:cedentParty a owl:ObjectProperty ; rdfs:label "cedentParty"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:Organization ; skos:definition "The primary insurer ceding risk"@en ; rdfs:isDefinedBy . ins:claimCoverage a owl:ObjectProperty ; rdfs:label "claimCoverage"@en ; rdfs:domain ins:Claim ; rdfs:range ins:InsuranceCoverage ; skos:definition "The coverage responding to the claim"@en ; rdfs:isDefinedBy . ins:claimLocation a owl:ObjectProperty ; rdfs:label "claimLocation"@en ; rdfs:domain ins:Claim ; rdfs:range ins:Location ; skos:definition "Where the loss occurred"@en ; rdfs:isDefinedBy . ins:claimOnPolicy a owl:ObjectProperty ; rdfs:label "claimOnPolicy"@en ; rdfs:domain ins:Claim ; rdfs:range ins:Policy ; skos:definition "The policy under which the claim is filed"@en ; rdfs:isDefinedBy . ins:claimPeril a owl:ObjectProperty ; rdfs:label "claimPeril"@en ; rdfs:domain ins:Claim ; rdfs:range ins:CoveredPeril ; skos:definition "The peril or cause of loss for this claim"@en ; rdfs:isDefinedBy . ins:claimantParty a owl:ObjectProperty ; rdfs:label "claimantParty"@en ; rdfs:domain ins:Claim ; rdfs:range ins:Party ; skos:definition "The party making the claim (may differ from policyholder)"@en ; rdfs:isDefinedBy . pandc:coinsuranceAppliesTo a owl:ObjectProperty ; rdfs:label "coinsuranceAppliesTo"@en ; rdfs:domain pandc:CoinsuranceProvision ; rdfs:range pandc:CoverageTemplate ; skos:definition "The coverage template this coinsurance provision governs."@en ; rdfs:isDefinedBy . ra:collectedDuringSurvey a owl:ObjectProperty ; rdfs:label "collectedDuringSurvey"@en ; rdfs:domain ra:RiskObservation ; rdfs:range ra:RiskEngineeringSurvey ; skos:definition "The survey during which this observation was collected"@en ; rdfs:isDefinedBy . ins:commissionType a owl:ObjectProperty ; rdfs:label "commissionType"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range ins:CommissionType ; skos:definition "Type of commission structure (FLAT, TIERED, VOLUME_BASED)"@en ; rdfs:isDefinedBy . ins:conditionType a owl:ObjectProperty ; rdfs:label "conditionType"@en ; rdfs:domain ins:Condition ; rdfs:range ins:ConditionType ; skos:definition "Type classification of this condition"@en ; rdfs:isDefinedBy . pandc:constructionClass a owl:ObjectProperty ; rdfs:label "constructionClass"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range pandc:ConstructionClass ; skos:definition "The ISO construction class for this building"@en ; rdfs:isDefinedBy . pandc:controlType a owl:ObjectProperty ; rdfs:label "controlType"@en ; rdfs:domain pandc:CyberSecurityControl ; rdfs:range pandc:ControlType ; skos:definition "Identifies which named cyber security control a CyberSecurityControl instance assesses (e.g. encryption, data backup, in"@en ; rdfs:isDefinedBy . pandc:coverageEnhancedBy a owl:ObjectProperty ; rdfs:label "coverageEnhancedBy"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "This coverage is supplemented or extended by another coverage"@en ; rdfs:isDefinedBy . pandc:coverageLevel a owl:ObjectProperty ; rdfs:label "coverageLevel"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:CoverageLevelType ; a owl:FunctionalProperty ; skos:definition "Indicates whether the coverage applies at line level (shared aggregates across all risks) or risk level (per specific in"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:coverageOnPolicy a owl:ObjectProperty ; rdfs:label "coverageOnPolicy"@en ; rdfs:domain ins:InsuranceCoverage ; rdfs:range ins:Policy ; skos:definition "Links coverage back to its policy"@en ; rdfs:isDefinedBy . pandc:coverageType a owl:ObjectProperty ; rdfs:label "coverageType"@en ; rdfs:domain pandc:AccountsReceivableCoverage ; rdfs:range pandc:CoverageType ; a owl:FunctionalProperty ; skos:definition "Classification of coverage (primary, excess, optional, endorsement)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:coveredBy a owl:ObjectProperty ; rdfs:label "coveredBy"@en ; rdfs:domain ins:Risk ; rdfs:range pandc:Coverage ; skos:definition "Links a risk back to the coverage that provides protection for it"@en ; rdfs:isDefinedBy . pandc:coveredUnderProductLine a owl:ObjectProperty ; rdfs:label "coveredUnderProductLine"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range pandc:ProductLine ; skos:definition "Inverse: Links an insurable object back to the product lines that cover it"@en ; rdfs:isDefinedBy . pandc:coversCoverage a owl:ObjectProperty ; rdfs:label "coversCoverage"@en ; rdfs:domain pandc:ProductLine ; rdfs:range ins:InsuranceCoverage ; skos:definition "Links a product line to the coverage it covers."@en ; rdfs:isDefinedBy . ins:coversJurisdiction a owl:ObjectProperty ; rdfs:label "coversJurisdiction"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:Location ; skos:definition "Geographic scope of reinsurance coverage"@en ; rdfs:isDefinedBy . ins:coversPeril a owl:ObjectProperty ; rdfs:label "coversPeril"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:ReinsuranceAgreement pandc:Coverage ) ] ; rdfs:range [ a owl:Class ; owl:unionOf ( ins:CoveredPeril pandc:Peril ) ] ; skos:definition "A specific cause of loss that may be covered or excluded under a property or casualty insurance policy"@en ; rdfs:isDefinedBy . ins:coversPolicy a owl:ObjectProperty ; rdfs:label "coversPolicy"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:Policy ; skos:definition "Policies covered by this reinsurance agreement"@en ; rdfs:isDefinedBy . ins:coversProductLine a owl:ObjectProperty ; rdfs:label "coversProductLine"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:Product ; skos:definition "Product lines in scope for treaty reinsurance"@en ; rdfs:isDefinedBy . pandc:coversRisk a owl:ObjectProperty ; rdfs:label "coversRisk"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:Risk ; skos:definition "Coverage provides protection for risk"@en ; rdfs:isDefinedBy . pandc:dataSource a owl:ObjectProperty ; rdfs:label "dataSource"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:DataQualityIndicator ra:RiskObservation ) ] ; rdfs:range ins:Organization ; skos:definition "The organization that provided this observation data"@en ; rdfs:isDefinedBy . ins:deductibleCurrencyCode a owl:ObjectProperty ; rdfs:label "deductibleCurrencyCode"@en ; rdfs:domain ins:Deductible ; rdfs:range ins:CurrencyCode ; skos:definition "Currency in which the deductible amount is expressed"@en ; rdfs:isDefinedBy . ins:deductibleType a owl:ObjectProperty ; rdfs:label "deductibleType"@en ; rdfs:domain ins:Deductible ; rdfs:range ins:DeductibleType ; skos:definition "Type classification of this deductible"@en ; rdfs:isDefinedBy . pandc:definesExposureBasis a owl:ObjectProperty ; rdfs:label "definesExposureBasis"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range pandc:ExposureBasisType ; skos:definition "Type of exposure measurement used for premium calculation (payroll, sales, area, etc.)"@en ; rdfs:isDefinedBy . pandc:definesRoleRequirement a owl:ObjectProperty ; rdfs:label "definesRoleRequirement"@en ; rdfs:domain pandc:Product ; rdfs:range ins:PartyRole ; skos:definition "Party role required for product (e.g., Named Insured, Additional Insured)"@en ; rdfs:isDefinedBy . pandc:dependencyType a owl:ObjectProperty ; rdfs:label "dependencyType"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:CoverageDependency pandc:DependentPremium ) ] ; rdfs:range pandc:PremiumDependencyType ; skos:definition "The type of dependency relationship"@en ; rdfs:isDefinedBy . pandc:dependentCoverage a owl:ObjectProperty ; rdfs:label "dependentCoverage"@en ; rdfs:domain pandc:CoverageDependency ; rdfs:range pandc:CoverageTemplate ; rdfs:isDefinedBy . pandc:dependsOn a owl:ObjectProperty ; rdfs:label "dependsOn"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "Coverage dependency relationship - this coverage requires the referenced coverage"@en ; rdfs:isDefinedBy . pandc:dependsOnCoverage a owl:ObjectProperty ; rdfs:label "dependsOnCoverage"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "This coverage requires another coverage to be selected (dependency relationship)"@en ; rdfs:isDefinedBy . pandc:dependsOnPremium a owl:ObjectProperty ; rdfs:label "dependsOnPremium"@en ; rdfs:domain pandc:DependentPremium ; rdfs:range pandc:PremiumDetail ; a owl:FunctionalProperty ; skos:definition "The base premium that this dependent premium is calculated from"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:derivedFromLocation a owl:ObjectProperty ; rdfs:label "derivedFromLocation"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range pandc:Location ; a owl:FunctionalProperty ; skos:definition "Links risk location to its source physical location"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:effectiveCountry a owl:ObjectProperty ; rdfs:label "effectiveCountry"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Country ; a owl:FunctionalProperty ; skos:definition "Links a policy to the country in which it is effective, represented as a named ins:Country instance carrying an ISO coun"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:eligibleForPartyType a owl:ObjectProperty ; rdfs:label "eligibleForPartyType"@en ; rdfs:domain pandc:Product ; rdfs:range ins:Party ; skos:definition "Type of party eligible for product (Organization vs Person)"@en ; rdfs:isDefinedBy . ins:emailSenderParty a owl:ObjectProperty ; rdfs:label "emailSenderParty"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range ins:Party ; skos:definition "Party entity for the email sender."@en ; rdfs:isDefinedBy . pandc:employeeType a owl:ObjectProperty ; rdfs:label "employeeType"@en ; rdfs:domain pandc:EmployeeClassification ; rdfs:range pandc:EmployeeType ; skos:definition "Classifies the employee classification node by employment status category"@en ; rdfs:isDefinedBy . ins:employerPartyId a owl:ObjectProperty ; rdfs:label "employerPartyId"@en ; rdfs:domain ins:Person ; rdfs:range ins:Organization ; skos:definition "Reference to employer organization"@en ; rdfs:isDefinedBy . ins:endorsementType a owl:ObjectProperty ; rdfs:label "endorsementType"@en ; rdfs:domain ins:Endorsement ; rdfs:range ins:EndorsementType ; skos:definition "Type classification of this endorsement"@en ; rdfs:isDefinedBy . pandc:enhancesCoverage a owl:ObjectProperty ; rdfs:label "enhancesCoverage"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "This coverage supplements or extends another coverage"@en ; rdfs:isDefinedBy . pandc:excludesCoverage a owl:ObjectProperty ; rdfs:label "excludesCoverage"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "This coverage cannot be selected simultaneously with another coverage (mutual exclusivity)"@en ; rdfs:isDefinedBy . ins:excludesRisk a owl:ObjectProperty ; rdfs:label "excludesRisk"@en ; rdfs:domain ins:Exclusion ; rdfs:range ins:Risk ; skos:definition "Exclusion removes risk from coverage"@en ; rdfs:isDefinedBy . pandc:exposureBasis a owl:ObjectProperty ; rdfs:label "exposureBasis"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:Exposure pandc:HazardScheduleItem ) ] ; rdfs:range pandc:ExposureBasisType ; skos:definition "The measurement basis used to quantify this exposure for rating (e.g., area, payroll, sales, building value)"@en ; rdfs:isDefinedBy . pandc:exposureForBuilding a owl:ObjectProperty ; rdfs:label "exposureForBuilding"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:Building ; skos:definition "Links a property exposure back to the building it describes"@en ; rdfs:isDefinedBy . pandc:exposureForInsurableObject a owl:ObjectProperty ; rdfs:label "exposureForInsurableObject"@en ; rdfs:domain pandc:Exposure ; rdfs:range pandc:InsurableObject ; skos:definition "Links an exposure to the insurable object it rates. Inverse of pandc:hasInsurableObjectExposure."@en ; rdfs:isDefinedBy . pandc:exposureOnCoverage a owl:ObjectProperty ; rdfs:label "exposureOnCoverage"@en ; rdfs:domain pandc:Exposure ; rdfs:range pandc:Coverage ; skos:definition "Inverse of pandc:hasExposure. Links an exposure back to the coverage it supports."@en ; rdfs:isDefinedBy . pandc:exposureSplitCurrencyCode a owl:ObjectProperty ; rdfs:label "exposureSplitCurrencyCode"@en ; rdfs:domain pandc:GeographicExposureSplit ; rdfs:range ins:CurrencyCode ; skos:definition "Currency in which the geographic exposure split amount is expressed"@en ; rdfs:isDefinedBy . pandc:exposureType a owl:ObjectProperty ; rdfs:label "exposureType"@en ; rdfs:domain pandc:ExposureAmount ; rdfs:range pandc:ExposureType ; a owl:FunctionalProperty ; skos:definition "The specific type or category of exposure being measured"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:exposureUnit a owl:ObjectProperty ; rdfs:label "exposureUnit"@en ; rdfs:domain pandc:ExposureAmount ; rdfs:range pandc:ExposureUnit ; a owl:FunctionalProperty ; skos:definition "The standardized unit in which exposure is measured and rated"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:filingStatus a owl:ObjectProperty ; rdfs:label "filingStatus"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range pandc:FilingStatus ; a owl:FunctionalProperty ; skos:definition "Current state of regulatory filing process"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:filingType a owl:ObjectProperty ; rdfs:label "filingType"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range pandc:FilingType ; a owl:FunctionalProperty ; skos:definition "Category of regulatory filing"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:fireAlarmSystemType a owl:ObjectProperty ; rdfs:label "fireAlarmSystemType"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:FireAlarmSystemType ; rdfs:isDefinedBy . pandc:forCoverageTypeObj a owl:ObjectProperty ; rdfs:label "forCoverageTypeObj"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:CoverageType ; skos:definition "Links a rating calculation to the specific coverage type it applies to"@en ; rdfs:isDefinedBy . pandc:forInsured a owl:ObjectProperty ; rdfs:label "forInsured"@en ; rdfs:domain pandc:ExperienceModificationFactor ; rdfs:range ins:Organization ; skos:definition "The insured organization this relates to"@en ; rdfs:isDefinedBy . pandc:forJurisdiction a owl:ObjectProperty ; rdfs:label "forJurisdiction"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range pandc:Jurisdiction ; a owl:FunctionalProperty ; skos:definition "State or jurisdiction this approval/filing applies to"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:forLocation a owl:ObjectProperty ; rdfs:label "forLocation"@en ; rdfs:domain pandc:LocationPremium ; rdfs:range pandc:Location ; skos:definition "The location this premium applies to"@en ; rdfs:isDefinedBy . pandc:forPeril a owl:ObjectProperty ; rdfs:label "forPeril"@en ; rdfs:domain pandc:DeductibleFactor ; rdfs:range pandc:Peril ; skos:definition "Links a rating factor or deductible to the specific peril it applies to"@en ; rdfs:isDefinedBy . pandc:forTerritory a owl:ObjectProperty ; rdfs:label "forTerritory"@en ; rdfs:domain pandc:TerritoryFactorClass ; rdfs:range pandc:TerritoryCode ; skos:definition "The specific territory this factor applies to"@en ; rdfs:isDefinedBy . ins:formScheduledAs a owl:ObjectProperty ; rdfs:label "formScheduledAs"@en ; rdfs:domain ins:Endorsement ; rdfs:range pandc:FormsScheduleItem ; skos:definition "Links an endorsement back to its entry on the Schedule of Forms and Endorsements"@en ; rdfs:isDefinedBy . pandc:generatesPremium a owl:ObjectProperty ; rdfs:label "generatesPremium"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:PremiumDetail ; skos:definition "The premium detail output produced by this calculation"@en ; rdfs:isDefinedBy . ins:generatesQuote a owl:ObjectProperty ; rdfs:label "generatesQuote"@en ; rdfs:domain ins:Submission ; rdfs:range ins:Quote ; skos:definition "Submission that generates one or more quote versions"@en ; rdfs:isDefinedBy . pandc:geocodePrecision a owl:ObjectProperty ; rdfs:label "geocodePrecision"@en ; rdfs:domain pandc:Geocoding ; rdfs:range pandc:GeocodePrecision ; rdfs:isDefinedBy . pandc:geographicRegion a owl:ObjectProperty ; rdfs:label "geographicRegion"@en ; rdfs:domain pandc:GeographicExposureSplit ; rdfs:range pandc:GeographicRegion ; skos:definition "Links a geographic exposure split to its geographic region classification"@en ; rdfs:isDefinedBy . pandc:glCoverageTrigger a owl:ObjectProperty ; rdfs:label "glCoverageTrigger"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range pandc:CoverageTriggerType ; skos:definition "General liability coverage trigger type"@en ; rdfs:isDefinedBy . ins:governsProductLine a owl:ObjectProperty ; rdfs:label "governsProductLine"@en ; rdfs:domain ins:RiskAppetite ; rdfs:range pandc:ProductLine ; rdfs:isDefinedBy . ins:handledBy a owl:ObjectProperty ; rdfs:label "handledBy"@en ; rdfs:domain ins:UnderwritingAction ; rdfs:range ins:Party ; skos:definition "Links an UnderwritingAction to the handling underwriter (ins:Party). ETL resolves numeric user ID to Party IRI. Source f"@en ; rdfs:isDefinedBy . ins:hasAccountStatus a owl:ObjectProperty ; rdfs:label "hasAccountStatus"@en ; rdfs:domain ins:Account ; rdfs:range ins:AccountStatus ; skos:definition "Links an Account to its AccountStatus NI. Source field: dbo_lkpAccountStatus_Descr (field 5). Decision: NW."@en ; rdfs:isDefinedBy . ins:hasAddress a owl:ObjectProperty ; rdfs:label "hasAddress"@en ; rdfs:domain ins:Party ; rdfs:range ins:PartyAddress ; skos:definition "Links a party to their address information"@en ; rdfs:isDefinedBy . pandc:hasAddressCategory a owl:ObjectProperty ; rdfs:label "hasAddressCategory"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:AddressCategory ; rdfs:isDefinedBy . ins:hasAddressType a owl:ObjectProperty ; rdfs:label "hasAddressType"@en ; rdfs:domain ins:PartyAddress ; rdfs:range ins:AddressType ; a owl:FunctionalProperty ; skos:definition "Specifies the type/purpose of the address"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasAddressValidation a owl:ObjectProperty ; rdfs:label "hasAddressValidation"@en ; rdfs:domain ins:PartyAddress ; rdfs:range ins:AddressValidation ; skos:definition "Links address to its validation information"@en ; rdfs:isDefinedBy . pandc:hasAdjacentOccupancy a owl:ObjectProperty ; rdfs:label "hasAdjacentOccupancy"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:AdjacentOccupancy ; rdfs:isDefinedBy . ins:hasAdjustedLossHistorySummary a owl:ObjectProperty ; rdfs:label "hasAdjustedLossHistorySummary"@en ; rdfs:domain ins:Quote ; rdfs:range ins:LossHistorySummary ; skos:definition "Underwriter-adjusted loss history summary used for this specific quote"@en ; rdfs:isDefinedBy . ins:hasAdjuster a owl:ObjectProperty ; rdfs:label "hasAdjuster"@en ; rdfs:domain ins:Claim ; rdfs:range ins:Party ; skos:definition "The claims adjuster assigned to investigate and evaluate the claim"@en ; rdfs:isDefinedBy . pandc:hasAggregateLimit a owl:ObjectProperty ; rdfs:label "hasAggregateLimit"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:Limit ; skos:definition "Total policy period limit for all covered losses"@en ; rdfs:isDefinedBy . pandc:hasAlgorithm a owl:ObjectProperty ; rdfs:label "hasAlgorithm"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range pandc:RatingAlgorithm ; skos:definition "The rating algorithm specification used by this rating plan"@en ; rdfs:isDefinedBy . ins:hasAssessmentMethod a owl:ObjectProperty ; rdfs:label "hasAssessmentMethod"@en ; rdfs:domain ins:AssessmentMethod ; rdfs:range ins:AssessmentMethod ; skos:definition "The method used to perform the risk assessment (automated, manual, or hybrid)"@en ; rdfs:isDefinedBy . ins:hasAttachment a owl:ObjectProperty ; rdfs:label "hasAttachment"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Attachment ; skos:definition "A document or file attached to this quote"@en ; rdfs:isDefinedBy . pandc:hasBIIndemnityPeriod a owl:ObjectProperty ; rdfs:label "hasBIIndemnityPeriod"@en ; rdfs:domain pandc:BIIndemnityPeriod ; rdfs:range pandc:BIIndemnityPeriod ; skos:definition "Links a property exposure to its business interruption indemnity period"@en ; rdfs:isDefinedBy . ins:hasBackupUnderwriter a owl:ObjectProperty ; rdfs:label "hasBackupUnderwriter"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Underwriter ; skos:definition "Links a Policy to a backup underwriter. Source field: UnderwriterIDbk ('bk' suffix confirmed by Q-AC-1)."@en ; rdfs:isDefinedBy . ins:hasBroker a owl:ObjectProperty ; rdfs:label "hasBroker"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Broker ; skos:definition "Links a Policy to its Broker party."@en ; rdfs:isDefinedBy . pandc:hasBuilding a owl:ObjectProperty ; rdfs:label "hasBuilding"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:Building ; rdfs:isDefinedBy . pandc:hasBusinessClassification a owl:ObjectProperty ; rdfs:label "hasBusinessClassification"@en ; rdfs:domain pandc:GLExposure ; rdfs:range ins:BusinessClassification ; skos:definition "Links GL exposure to its business classifications"@en ; rdfs:isDefinedBy . pandc:hasBusinessOperation a owl:ObjectProperty ; rdfs:label "hasBusinessOperation"@en ; rdfs:domain pandc:LocationBusinessOperation ; rdfs:range pandc:BusinessOperation ; rdfs:isDefinedBy . ins:hasBusinessSegment a owl:ObjectProperty ; rdfs:label "hasBusinessSegment"@en ; rdfs:domain ins:Quote ; rdfs:range ins:BusinessSegment ; skos:definition "The Chubb business segment or division responsible for this quote"@en ; rdfs:isDefinedBy . pandc:hasCalculation a owl:ObjectProperty ; rdfs:label "hasCalculation"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:PremiumCalculation ; skos:definition "Links a quote to its premium calculation"@en ; rdfs:isDefinedBy . pandc:hasCatSubLimitLoadFactor a owl:ObjectProperty ; rdfs:label "hasCatSubLimitLoadFactor"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range pandc:CATLoadFactor ; skos:definition "Links the catastrophe sub-limit entry to its catastrophe load factor used in premium rating."@en ; rdfs:isDefinedBy . pandc:hasCatSublimitCountry a owl:ObjectProperty ; rdfs:label "hasCatSublimitCountry"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range ins:Country ; skos:definition "The country or countries to which this catastrophe sub-limit applies. Used for multinational programs where a CAT sub-li"@en ; rdfs:isDefinedBy . pandc:hasCatSublimitDeductible a owl:ObjectProperty ; rdfs:label "hasCatSublimitDeductible"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range ins:Deductible ; skos:definition "Links a catastrophe sub-limit entry to its deductible structure. Separate from pandc:hasDeductible (domain pandc:Coverag"@en ; rdfs:isDefinedBy . pandc:hasCatSublimitStateProvince a owl:ObjectProperty ; rdfs:label "hasCatSublimitStateProvince"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range ins:StateProvince ; skos:definition "The state(s) to which this catastrophe sub-limit applies. Used for state-specific CAT structures such as wind/hurricane"@en ; rdfs:isDefinedBy . pandc:hasCatastropheSublimitEntry a owl:ObjectProperty ; rdfs:label "hasCatastropheSublimitEntry"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:CatastropheSubLimitEntry ; skos:definition "Links a coverage to one or more catastrophe sublimit schedule entries. Each entry defines a sublimit for a specific peri"@en ; rdfs:isDefinedBy . pandc:hasCatastrophicRisk a owl:ObjectProperty ; rdfs:label "hasCatastrophicRisk"@en ; rdfs:domain pandc:LocationRiskAssessment ; rdfs:range pandc:CatastrophicRiskAssessment ; rdfs:isDefinedBy . pandc:hasCausesOfLossForm a owl:ObjectProperty ; rdfs:label "hasCausesOfLossForm"@en ; rdfs:domain pandc:PropertyCoverage ; rdfs:range pandc:CausesOfLossForm ; a owl:FunctionalProperty ; skos:definition "Determines which perils are covered under the property policy"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasChildLocation a owl:ObjectProperty ; rdfs:label "hasChildLocation"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:Location ; skos:definition "Links a location to its child locations"@en ; rdfs:isDefinedBy . ins:hasClaim a owl:ObjectProperty ; rdfs:label "hasClaim"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Claim ; skos:definition "Claims filed against this policy"@en ; rdfs:isDefinedBy . pandc:hasClaimCategory a owl:ObjectProperty ; rdfs:label "hasClaimCategory"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:DOClaimType ; skos:definition "Carries the claim-category dimension of a per-claim D&O retention."@en ; rdfs:isDefinedBy . ins:hasClaimOnCoverage a owl:ObjectProperty ; rdfs:label "hasClaimOnCoverage"@en ; rdfs:domain ins:Claim ; rdfs:range ins:Claim ; skos:definition "Claims filed against this coverage"@en ; rdfs:isDefinedBy . ins:hasClaimPayment a owl:ObjectProperty ; rdfs:label "hasClaimPayment"@en ; rdfs:domain ins:Claim ; rdfs:range ins:ClaimPayment ; skos:definition "Individual payment transactions on this claim"@en ; rdfs:isDefinedBy . ins:hasClaimStatus a owl:ObjectProperty ; rdfs:label "hasClaimStatus"@en ; rdfs:domain ins:Claim ; rdfs:range ins:ClaimStatus ; skos:definition "Current lifecycle status of the claim"@en ; rdfs:isDefinedBy . ins:hasClaimType a owl:ObjectProperty ; rdfs:label "hasClaimType"@en ; rdfs:domain ins:Claim ; rdfs:range ins:ClaimType ; skos:definition "Classification of the claim"@en ; rdfs:isDefinedBy . ins:hasClassificationSystem a owl:ObjectProperty ; rdfs:label "hasClassificationSystem"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:RiskClassification pandc:ClassificationCode ) ] ; rdfs:range [ a owl:Class ; owl:unionOf ( ins:ClassificationSystem pandc:ClassificationSystem ) ] ; skos:definition "The standardization system to which this classification code belongs"@en ; rdfs:isDefinedBy . pandc:hasCoinsuranceProvision a owl:ObjectProperty ; rdfs:label "hasCoinsuranceProvision"@en ; rdfs:domain pandc:CoinsuranceProvision ; rdfs:range pandc:CoinsuranceProvision ; skos:definition "The coinsurance provision that applies to this coverage template."@en ; rdfs:isDefinedBy . pandc:hasComponent a owl:ObjectProperty ; rdfs:label "hasComponent"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:PremiumComponent ; skos:definition "A component in the premium calculation breakdown"@en ; rdfs:isDefinedBy . ins:hasCondition a owl:ObjectProperty ; rdfs:label "hasCondition"@en ; rdfs:domain ins:InsuranceCoverage ; rdfs:range ins:Condition ; skos:definition "Links an InsuranceCoverage to a Condition instance (free-text or structured policy condition). Source fields: Conditions"@en ; rdfs:isDefinedBy . ins:hasConditionType a owl:ObjectProperty ; rdfs:label "hasConditionType"@en ; rdfs:domain ins:Condition ; rdfs:range ins:ConditionType ; skos:definition "Links a condition to its classification type"@en ; rdfs:isDefinedBy . pandc:hasConstructionTypeCode a owl:ObjectProperty ; rdfs:label "hasConstructionTypeCode"@en ; rdfs:domain pandc:ConstructionTypeCode ; rdfs:range pandc:ConstructionTypeCode ; skos:definition "Links a building to its structural construction type classification"@en ; rdfs:isDefinedBy . ins:hasContactInfo a owl:ObjectProperty ; rdfs:label "hasContactInfo"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Party ins:PartyContactInfo ) ] ; rdfs:range ins:PartyContactInfo ; skos:definition "Links a Party to its contact information (email, phone, fax, etc.)"@en ; rdfs:isDefinedBy . pandc:hasContinuousCoverageDateQualifier a owl:ObjectProperty ; rdfs:label "hasContinuousCoverageDateQualifier"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:DateQualifierType ; skos:definition "Collapses DateOfContCoverInception/TBA/NA flags into one enum. Range pandc:DateQualifierType."@en ; rdfs:isDefinedBy . pandc:hasConveyanceMode a owl:ObjectProperty ; rdfs:label "hasConveyanceMode"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range pandc:ConveyanceMode ; skos:definition "Links a MarineCargoExposure to its ConveyanceMode NI. RATING VARIABLE and exposure characteristic."@en ; rdfs:isDefinedBy . ins:hasCountryOfIssue a owl:ObjectProperty ; rdfs:label "hasCountryOfIssue"@en ; rdfs:domain ins:Policy ; rdfs:range ins:CountryCode ; skos:definition "Links a Policy to the ISO 3166-1 alpha-3 CountryCode NI where the policy is issued. Source field: dbo_lkpCountry_Descr ("@en ; rdfs:isDefinedBy . ins:hasCoverClause a owl:ObjectProperty ; rdfs:label "hasCoverClause"@en ; rdfs:domain ins:InsuranceCoverage ; rdfs:range pandc:InstituteClause ; skos:definition "Links a Coverage to an Institute Clause NI (ILU Institute Freight Clauses A-F, G, H, I). Replaces v9 boolean flags. Sour"@en ; rdfs:isDefinedBy . pandc:hasCoverageCurrency a owl:ObjectProperty ; rdfs:label "hasCoverageCurrency"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:CurrencyCode ; skos:definition "Coverage-level currency NI. Distinct from ins:hasPolicyCurrency (policy-wide). Source field: CurrencyID on vessel (field"@en ; rdfs:isDefinedBy . pandc:hasCoverageDefinition a owl:ObjectProperty ; rdfs:label "hasCoverageDefinition"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:CoverageDefinition ; skos:definition "Links a coverage instance to its product-catalog definition. Replaces pandc:hasCoverageTemplate for the Coverage→Coverag"@en ; rdfs:isDefinedBy . pandc:hasCoverageDependency a owl:ObjectProperty ; rdfs:label "hasCoverageDependency"@en ; rdfs:domain pandc:CoverageDependency ; rdfs:range pandc:CoverageDependency ; skos:definition "Authoritative link from a CoverageTemplate to its governing CoverageDependency rule. Replaces deprecated pandc:dependsOn"@en ; rdfs:isDefinedBy . pandc:hasCoverageForm a owl:ObjectProperty ; rdfs:label "hasCoverageForm"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range pandc:CoverageForm ; skos:definition "Links coverage template to ISO or carrier-specific policy form"@en ; rdfs:isDefinedBy . pandc:hasCoverageLayer a owl:ObjectProperty ; rdfs:label "hasCoverageLayer"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:CoverageLayer ; skos:definition "Links a coverage to its tower position (Primary, Excess, Umbrella)"@en ; rdfs:isDefinedBy . pandc:hasCoverageLimits a owl:ObjectProperty ; rdfs:label "hasCoverageLimits"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:CoverageLimits ; a owl:FunctionalProperty ; skos:definition "Links GL exposure to its coverage limits structure"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasCoveragePremium a owl:ObjectProperty ; rdfs:label "hasCoveragePremium"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:CoveragePremium ; a owl:FunctionalProperty ; skos:definition "Links a coverage instance to its premium detail entity. Inherited by pandc:LineLevelCoverage and pandc:RiskLevelCoverage"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasCoveragePremiumComponent a owl:ObjectProperty ; rdfs:label "hasCoveragePremiumComponent"@en ; rdfs:domain pandc:PolicyPremium ; rdfs:range pandc:CoveragePremium ; rdfs:isDefinedBy . pandc:hasCoverageTemplate a owl:ObjectProperty ; rdfs:label "hasCoverageTemplate"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:CoverageTemplate ; skos:definition "Links product lines to available coverage options"@en ; rdfs:isDefinedBy . pandc:hasCrimeScore a owl:ObjectProperty ; rdfs:label "hasCrimeScore"@en ; rdfs:domain pandc:SecurityRiskAssessment ; rdfs:isDefinedBy . ins:hasCustomerStatus a owl:ObjectProperty ; rdfs:label "hasCustomerStatus"@en ; rdfs:domain ins:Party ; rdfs:range ins:CustomerStatus ; a owl:FunctionalProperty ; skos:definition "Current customer relationship status based on policy activity"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasCyberRiskScore a owl:ObjectProperty ; rdfs:label "hasCyberRiskScore"@en ; rdfs:domain ins:Party ; rdfs:range pandc:CyberRiskScore ; skos:definition "Links the insured party to a provider-attributed cyber risk score."@en ; rdfs:isDefinedBy . ins:hasCyberSecurityControl a owl:ObjectProperty ; rdfs:label "hasCyberSecurityControl"@en ; rdfs:domain ins:Quote ; rdfs:range pandc:CyberSecurityControl ; skos:definition "Links a quote (underwriting submission) to one assessed cyber security control instance."@en ; rdfs:isDefinedBy . ins:hasDACType a owl:ObjectProperty ; rdfs:label "hasDACType"@en ; rdfs:domain ins:Policy ; rdfs:range ins:DACType ; skos:definition "Links a policy to its Direct/Assumed/Ceded classification, determining the direction of premium flow and reinsurance rel"@en ; rdfs:isDefinedBy . pandc:hasDataQuality a owl:ObjectProperty ; rdfs:label "hasDataQuality"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:DataQualityIndicator ; rdfs:isDefinedBy . pandc:hasDeclaration a owl:ObjectProperty ; rdfs:label "hasDeclaration"@en ; rdfs:domain pandc:Tax ; rdfs:range pandc:TaxDeclaration ; skos:definition "Links a pandc:Tax instance to its compliance declaration for tax exemption eligibility. Range: pandc:TaxDeclaration. Sou"@en ; rdfs:isDefinedBy . pandc:hasDeductible a owl:ObjectProperty ; rdfs:label "hasDeductible"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:Deductible ; skos:definition "A Coverage or a ScheduleItem has a specified deductible. Per-item deductibles on a Schedule (e.g., wind/hail) override o"@en ; rdfs:isDefinedBy . pandc:hasDeductibleOption a owl:ObjectProperty ; rdfs:label "hasDeductibleOption"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range pandc:DeductibleOption ; skos:definition "Selectable deductible amount available for coverage"@en ; rdfs:isDefinedBy . pandc:hasDeduction a owl:ObjectProperty ; rdfs:label "hasDeduction"@en ; rdfs:domain pandc:Deduction ; rdfs:range pandc:Deduction ; skos:definition "Links a Coverage to its premium Deductions."@en ; rdfs:isDefinedBy . pandc:hasDependencyType a owl:ObjectProperty ; rdfs:label "hasDependencyType"@en ; rdfs:domain pandc:DependencyType ; rdfs:range pandc:DependencyType ; skos:definition "The type of dependency relationship (requires, excludes, modifies, enhances) between coverages"@en ; rdfs:isDefinedBy . ins:hasDistributionChannel a owl:ObjectProperty ; rdfs:label "hasDistributionChannel"@en ; rdfs:domain ins:Quote ; rdfs:range ins:DistributionChannel ; skos:definition "The sales and distribution channel through which the quote is delivered"@en ; rdfs:isDefinedBy . ins:hasDnBCreditAssessment a owl:ObjectProperty ; rdfs:label "hasDnBCreditAssessment"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range ins:DnBCreditAssessment ; skos:definition "Links a party to their D&B credit assessment"@en ; rdfs:isDefinedBy . pandc:hasEPLDateQualifier a owl:ObjectProperty ; rdfs:label "hasEPLDateQualifier"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:DateQualifierType ; skos:definition "Collapses EplTBA/EplInception flags on the EPL LineLevelCoverage into one enum. Range pandc:DateQualifierType."@en ; rdfs:isDefinedBy . pandc:hasEPLThirdPartyDateQualifier a owl:ObjectProperty ; rdfs:label "hasEPLThirdPartyDateQualifier"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:DateQualifierType ; skos:definition "Collapses EplThirdPartyLiability TBA/Inception/NotCovered/NA flags into one enum. Range pandc:DateQualifierType."@en ; rdfs:isDefinedBy . pandc:hasEligibilityCriteria a owl:ObjectProperty ; rdfs:label "hasEligibilityCriteria"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:EligibilityCriteria ; skos:definition "Business rules defining which risks qualify for this product line"@en ; rdfs:isDefinedBy . pandc:hasEligibilityRule a owl:ObjectProperty ; rdfs:label "hasEligibilityRule"@en ; rdfs:domain pandc:EligibilityRule ; rdfs:range pandc:EligibilityRule ; skos:definition "The eligibility classification (eligible, referral, prohibited) determined by the criteria evaluation"@en ; rdfs:isDefinedBy . pandc:hasEmployeeClassification a owl:ObjectProperty ; rdfs:label "hasEmployeeClassification"@en ; rdfs:domain pandc:EmployeeType ; rdfs:range pandc:EmployeeClassification ; skos:definition "Links a liability exposure to its employee classification node, which carries per-type headcount data"@en ; rdfs:isDefinedBy . ins:hasEndorsementType a owl:ObjectProperty ; rdfs:label "hasEndorsementType"@en ; rdfs:domain ins:Endorsement ; rdfs:range ins:EndorsementType ; skos:definition "Links an endorsement to its classification type"@en ; rdfs:isDefinedBy . pandc:hasEnvironmentalRisk a owl:ObjectProperty ; rdfs:label "hasEnvironmentalRisk"@en ; rdfs:domain pandc:LocationRiskAssessment ; rdfs:range pandc:EnvironmentalRiskAssessment ; rdfs:isDefinedBy . ins:hasEstimatedAnnualExposure a owl:ObjectProperty ; rdfs:label "hasEstimatedAnnualExposure"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Exposure ; skos:definition "Projected exposure amount used for initial premium calculation, subject to audit adjustment"@en ; rdfs:isDefinedBy . ins:hasExclusiveRole a owl:ObjectProperty ; rdfs:label "hasExclusiveRole"@en ; rdfs:domain ins:Quote ; rdfs:range ins:ExclusiveRole ; skos:definition "Carrier role in a shared or exclusive arrangement"@en ; rdfs:isDefinedBy . pandc:hasExposure a owl:ObjectProperty ; rdfs:label "hasExposure"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Exposure ; skos:definition "Links a coverage to the exposure that provides its rating basis. A coverage may be backed by zero or more exposures; whe"@en ; rdfs:isDefinedBy . pandc:hasExposureAmount a owl:ObjectProperty ; rdfs:label "hasExposureAmount"@en ; rdfs:domain pandc:Exposure ; rdfs:range pandc:ExposureAmount ; skos:definition "Links this exposure to its quantified amount, unit, and rating type"@en ; rdfs:isDefinedBy . pandc:hasExposureBasis a owl:ObjectProperty ; rdfs:label "hasExposureBasis"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:ExposureBasis ; skos:definition "Links GL exposure to its rating exposure bases"@en ; rdfs:isDefinedBy . pandc:hasExposureBasisType a owl:ObjectProperty ; rdfs:label "hasExposureBasisType"@en ; rdfs:domain pandc:ExposureBasisRating ; rdfs:range pandc:ExposureBasisType ; skos:definition "The type of exposure measurement"@en ; rdfs:isDefinedBy . pandc:hasExposureInput a owl:ObjectProperty ; rdfs:label "hasExposureInput"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:ExposureAmount ; skos:definition "An exposure amount used as input to this calculation"@en ; rdfs:isDefinedBy . pandc:hasExposureUnit a owl:ObjectProperty ; rdfs:label "hasExposureUnit"@en ; rdfs:domain pandc:BaseRate ; rdfs:range pandc:ExposureUnit ; a owl:FunctionalProperty ; skos:definition "The standardized unit of exposure that the rate applies to"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasExtendedReportingPeriodOffer a owl:ObjectProperty ; rdfs:label "hasExtendedReportingPeriodOffer"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:ExtendedReportingPeriodOffer ; skos:definition "Links a D&O Coverage to its post-expiry extended reporting period (ERP) offers (A and B)."@en ; rdfs:isDefinedBy . pandc:hasFEMAFloodZone a owl:ObjectProperty ; rdfs:label "hasFEMAFloodZone"@en ; rdfs:domain pandc:FloodAssessment ; rdfs:range pandc:FEMAFloodZone ; rdfs:isDefinedBy . pandc:hasFactorType a owl:ObjectProperty ; rdfs:label "hasFactorType"@en ; rdfs:domain pandc:RatingFactor ; rdfs:range pandc:FactorType ; skos:definition "The category of risk characteristic this factor adjusts for"@en ; rdfs:isDefinedBy . pandc:hasFinancialDataSource a owl:ObjectProperty ; rdfs:label "hasFinancialDataSource"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range pandc:FinancialDataSource ; skos:definition "Identifies the financial-analysis data-source vendor on a FinancialRiskAssessment (Q-LK-1)."@en ; rdfs:isDefinedBy . ins:hasFinancialReportingCurrency a owl:ObjectProperty ; rdfs:label "hasFinancialReportingCurrency"@en ; rdfs:domain ins:Organization ; rdfs:range ins:CurrencyCode ; skos:definition "The currency used for financial reporting by an organisation"@en ; rdfs:isDefinedBy . ins:hasFinancialRiskAssessment a owl:ObjectProperty ; rdfs:label "hasFinancialRiskAssessment"@en ; rdfs:domain ins:Quote ; rdfs:range pandc:FinancialRiskAssessment ; skos:definition "Links a quote to its financial risk assessment of the insured."@en ; rdfs:isDefinedBy . pandc:hasFireProtectionClass a owl:ObjectProperty ; rdfs:label "hasFireProtectionClass"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:FireProtectionClass ; rdfs:isDefinedBy . pandc:hasFloodZone a owl:ObjectProperty ; rdfs:label "hasFloodZone"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range pandc:FEMAFloodZone ; skos:definition "Direct shortcut from RiskLocation to flood zone; prefer hasPerilAssessment -> FloodAssessment -> hasFEMAFloodZone for fu"@en ; rdfs:isDefinedBy . ins:hasForeignExchangeRate a owl:ObjectProperty ; rdfs:label "hasForeignExchangeRate"@en ; rdfs:domain ins:Policy ; rdfs:range ins:ForeignExchangeRate ; skos:definition "Links a Policy to its applicable Foreign Exchange Rate records."@en ; rdfs:isDefinedBy . pandc:hasGLExposure a owl:ObjectProperty ; rdfs:label "hasGLExposure"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range pandc:GLExposure ; skos:definition "Links a general liability line-level coverage to its associated GL exposure providing the rating basis"@en ; rdfs:isDefinedBy . pandc:hasGLTerritory a owl:ObjectProperty ; rdfs:label "hasGLTerritory"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:GLTerritory ; a owl:FunctionalProperty ; skos:definition "Links GL exposure to its territory information"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasGeoCoordinate a owl:ObjectProperty ; rdfs:label "hasGeoCoordinate"@en ; rdfs:domain ins:PartyAddress ; rdfs:range ins:GeoCoordinate ; skos:definition "Links an address to its geocoded latitude/longitude coordinates"@en ; rdfs:isDefinedBy . ins:hasGeocodePrecision a owl:ObjectProperty ; rdfs:label "hasGeocodePrecision"@en ; rdfs:domain ins:GeoCoordinate ; rdfs:range ins:GeocodePrecision ; skos:definition "The precision level of the geocoding result for the coordinate"@en ; rdfs:isDefinedBy . pandc:hasGeocoding a owl:ObjectProperty ; rdfs:label "hasGeocoding"@en ; rdfs:domain pandc:InsurableLocation ; rdfs:range pandc:Geocoding ; rdfs:isDefinedBy . pandc:hasGeographicExposureSplit a owl:ObjectProperty ; rdfs:label "hasGeographicExposureSplit"@en ; rdfs:domain pandc:GeographicRegion ; rdfs:range pandc:GeographicExposureSplit ; skos:definition "Links a liability exposure to one or more geographic exposure split nodes detailing regional exposure breakdown"@en ; rdfs:isDefinedBy . pandc:hasISOConstructionClass a owl:ObjectProperty ; rdfs:label "hasISOConstructionClass"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:ISOConstructionClass ; a owl:FunctionalProperty ; skos:definition "ISO 6-class construction classification (1=Frame to 6=Fire Resistive)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasIdentifier a owl:ObjectProperty ; rdfs:label "hasIdentifier"@en ; rdfs:domain ins:Party ; rdfs:range ins:PartyIdentifier ; skos:definition "Links a party to their external system identifiers"@en ; rdfs:isDefinedBy . pandc:hasIndemnityPeriod a owl:ObjectProperty ; rdfs:label "hasIndemnityPeriod"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range pandc:MarineIndemnityPeriod ; skos:definition "Links a marine cargo exposure to its indemnity period (value + unit + description). Source field: IndemnityPeriod (field"@en ; rdfs:isDefinedBy . ins:hasIndustryPractice a owl:ObjectProperty ; rdfs:label "hasIndustryPractice"@en ; rdfs:domain ins:BusinessClassification ; rdfs:range ins:IndustryPractice ; skos:definition "Chubb-internal industry practice grouping (e.g. HealthSciences, Technology)"@en ; rdfs:isDefinedBy . pandc:hasInlandTruckStatus a owl:ObjectProperty ; rdfs:label "hasInlandTruckStatus"@en ; rdfs:domain pandc:MarineFreightExposure ; rdfs:range pandc:InlandTruckStatus ; skos:definition "Links a MarineFreightExposure to its InlandTruckStatus NI (tri-state NA/No/Yes). RATING VARIABLE."@en ; rdfs:isDefinedBy . ins:hasInsurableInterest a owl:ObjectProperty ; rdfs:label "hasInsurableInterest"@en ; rdfs:domain ins:ConditionType ; rdfs:range ins:InsurableInterest ; skos:definition "Links a policy to the insurable interests it covers"@en ; rdfs:isDefinedBy . pandc:hasInsurableObject a owl:ObjectProperty ; rdfs:label "hasInsurableObject"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:InsurableObject ; skos:definition "Links product lines to the insurable objects (Buildings, Vehicles, Equipment) covered under this line of business"@en ; rdfs:isDefinedBy . pandc:hasInsurableObjectExposure a owl:ObjectProperty ; rdfs:label "hasInsurableObjectExposure"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range pandc:Exposure ; skos:definition "Links an insurable object to the exposures used to rate it. Inverse of pandc:exposureForInsurableObject."@en ; rdfs:isDefinedBy . pandc:hasInsuringClause a owl:ObjectProperty ; rdfs:label "hasInsuringClause"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:PolicyClause ; skos:definition "On Coverage: declares which insuring clauses (Sides) are active. On ClauseAggregateRetention: scopes the aggregate SIR c"@en ; rdfs:isDefinedBy . pandc:hasInterestedParty a owl:ObjectProperty ; rdfs:label "hasInterestedParty"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range pandc:InterestedParty ; skos:definition "Links an InsurableObject (Vessel, Building, Vehicle) to an InterestedParty (mortgagee, lienholder, loss payee). Source f"@en ; rdfs:isDefinedBy . ins:hasJurisdictionalEmployeeLoading a owl:ObjectProperty ; rdfs:label "hasJurisdictionalEmployeeLoading"@en ; rdfs:domain ins:Quote ; rdfs:range pandc:JurisdictionalEmployeeLoading ; skos:definition "Links a Quote to its per-jurisdiction employee-loading factor entries used in D&O rating."@en ; rdfs:isDefinedBy . pandc:hasJurisdictionalScope a owl:ObjectProperty ; rdfs:label "hasJurisdictionalScope"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:JurisdictionalScope ; skos:definition "Carries InUS/OutUS (and InAsia/OutOfAsia) scope of a retention, securities sublimit, or share-count entry."@en ; rdfs:isDefinedBy . pandc:hasLatitude a owl:ObjectProperty ; rdfs:label "hasLatitude"@en ; rdfs:domain pandc:Geocoding ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasLiabilityExposure a owl:ObjectProperty ; rdfs:label "hasLiabilityExposure"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:LiabilityExposure ; skos:definition "Links a location to its liability exposure values (GL class codes, payroll, sales, employee counts, etc.)"@en ; rdfs:isDefinedBy . ins:hasLimit a owl:ObjectProperty ; rdfs:label "hasLimit"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:InsuranceCoverage pandc:Coverage ) ] ; rdfs:range ins:Limit ; skos:definition "Links a Coverage or LineLevelCoverage to an ins:Limit, ins:Sublimit, or pandc:AdditionalLimit. Cross-LOB replacement for"@en ; rdfs:isDefinedBy . pandc:hasLimitOption a owl:ObjectProperty ; rdfs:label "hasLimitOption"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range pandc:LimitOption ; skos:definition "Selectable limit amount available for coverage"@en ; rdfs:isDefinedBy . pandc:hasLineLevelCoverage a owl:ObjectProperty ; rdfs:label "hasLineLevelCoverage"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range pandc:LineLevelCoverage ; skos:definition "The line-level coverages available or selected for this product line"@en ; rdfs:isDefinedBy . ins:hasLitigationRiskAssessment a owl:ObjectProperty ; rdfs:label "hasLitigationRiskAssessment"@en ; rdfs:domain ins:Quote ; rdfs:range pandc:LitigationRiskAssessment ; skos:definition "Links a quote to its litigation risk assessment."@en ; rdfs:isDefinedBy . ins:hasLocation a owl:ObjectProperty ; rdfs:label "hasLocation"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:LocationParty ) ] ; rdfs:range [ a owl:Class ; owl:unionOf ( ins:Location pandc:Location ) ] ; a owl:FunctionalProperty ; skos:definition "Links a quote to one or more insured locations. Each quote can cover multiple locations."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasLocationHierarchy a owl:ObjectProperty ; rdfs:label "hasLocationHierarchy"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:LocationHierarchy ; rdfs:isDefinedBy . pandc:hasLocationParty a owl:ObjectProperty ; rdfs:label "hasLocationParty"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:LocationParty ; skos:definition "Links a Location to a LocationParty junction record carrying party-role-at-location relationships (Loss Payee, Mortgagee"@en ; rdfs:isDefinedBy . pandc:hasLocationRole a owl:ObjectProperty ; rdfs:label "hasLocationRole"@en ; rdfs:domain pandc:LocationParty ; rdfs:range pandc:LocationRole ; a owl:FunctionalProperty ; skos:definition "Specifies the role of a party in relation to a location"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasLocationTax a owl:ObjectProperty ; rdfs:label "hasLocationTax"@en ; rdfs:domain pandc:LocationTax ; rdfs:range pandc:LocationTax ; skos:definition "Tax information associated with this location"@en ; rdfs:isDefinedBy . pandc:hasLocationType a owl:ObjectProperty ; rdfs:label "hasLocationType"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:LocationType ; rdfs:isDefinedBy . pandc:hasLongitude a owl:ObjectProperty ; rdfs:label "hasLongitude"@en ; rdfs:domain pandc:Geocoding ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasLossHistory a owl:ObjectProperty ; rdfs:label "hasLossHistory"@en ; rdfs:domain ins:Quote ; rdfs:range ins:LossHistory ; skos:definition "Prior loss history records associated with this quote"@en ; rdfs:isDefinedBy . ins:hasLossHistorySummary a owl:ObjectProperty ; rdfs:label "hasLossHistorySummary"@en ; rdfs:domain ins:Submission ; rdfs:range ins:LossHistorySummary ; skos:definition "Loss history summary provided by the insured as part of the submission package"@en ; rdfs:isDefinedBy . pandc:hasMarketSegments a owl:ObjectProperty ; rdfs:label "hasMarketSegments"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:MarketSegment ; skos:definition "Market segments that this product or named insured targets - allows multiple segments for cross-market products"@en ; rdfs:isDefinedBy . pandc:hasMercalliIntensity a owl:ObjectProperty ; rdfs:label "hasMercalliIntensity"@en ; rdfs:domain pandc:EarthquakeAssessment ; rdfs:range pandc:MercalliIntensityScale ; rdfs:isDefinedBy . pandc:hasModifierType a owl:ObjectProperty ; rdfs:label "hasModifierType"@en ; rdfs:domain pandc:RatingModifier ; rdfs:range pandc:ModifierType ; skos:definition "The category of this rating modifier"@en ; rdfs:isDefinedBy . ins:hasNAICSClassificationSystem a owl:ObjectProperty ; rdfs:label "hasNAICSClassificationSystem"@en ; rdfs:domain ins:NAICSCode ; rdfs:range ins:ClassificationSystem ; rdfs:isDefinedBy . ins:hasNationalId a owl:ObjectProperty ; rdfs:label "hasNationalId"@en ; rdfs:domain ins:Organization ; rdfs:range ins:NationalIdIdentifier ; skos:definition "National business identifier with country context (supports up to 5 per D&B pattern)"@en ; rdfs:isDefinedBy . ins:hasOccupancyClassification a owl:ObjectProperty ; rdfs:label "hasOccupancyClassification"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:OccupancyClassification pandc:Building ) ] ; rdfs:range ins:OccupancyClassification ; skos:definition "The occupancy type classification of a building at the insured location"@en ; rdfs:isDefinedBy . pandc:hasOperationsHazard a owl:ObjectProperty ; rdfs:label "hasOperationsHazard"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:OperationsHazard ; skos:definition "Links GL exposure to operations-related hazards"@en ; rdfs:isDefinedBy . pandc:hasOverallRiskScore a owl:ObjectProperty ; rdfs:label "hasOverallRiskScore"@en ; rdfs:domain pandc:LocationRiskAssessment ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasPPLDateQualifier a owl:ObjectProperty ; rdfs:label "hasPPLDateQualifier"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:DateQualifierType ; skos:definition "Collapses PendingOrPriorLitigationDateExpiry / DateInception / DateTBA booleans into one enum-valued coverage boundary."@en ; rdfs:isDefinedBy . ins:hasParentOrganization a owl:ObjectProperty ; rdfs:label "hasParentOrganization"@en ; rdfs:domain ins:Organization ; rdfs:range ins:Organization ; a owl:FunctionalProperty ; skos:definition "The immediate parent organization in the corporate hierarchy"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasParty a owl:ObjectProperty ; rdfs:label "hasParty"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:LocationParty ) ] ; rdfs:range ins:Party ; skos:definition "Associates a party (insured, broker, agent, etc.) with this quote. Every quote must have at least one party."@en ; rdfs:isDefinedBy . ins:hasPartyAddressCountry a owl:ObjectProperty ; rdfs:label "hasPartyAddressCountry"@en ; rdfs:domain ins:PartyAddress ; rdfs:range ins:Country ; a owl:FunctionalProperty ; skos:definition "Links a party address to its country, represented as a named ins:Country instance."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasPartyRelationship a owl:ObjectProperty ; rdfs:label "hasPartyRelationship"@en ; rdfs:domain ins:Party ; rdfs:range ins:PartyRelationship ; skos:definition "Links a party to the PartyRelationship records that describe its associations with other parties"@en ; rdfs:isDefinedBy . ins:hasPartyRelationshipType a owl:ObjectProperty ; rdfs:label "hasPartyRelationshipType"@en ; rdfs:domain ins:PartyRelationship ; rdfs:range ins:PartyRelationshipType ; skos:definition "Replaces deprecated ins:relationshipType."@en ; rdfs:isDefinedBy . ins:hasPartyRole a owl:ObjectProperty ; rdfs:label "hasPartyRole"@en ; rdfs:domain ins:Party ; rdfs:range ins:PartyRole ; skos:definition "Links a party to roles they play in insurance contexts"@en ; rdfs:isDefinedBy . pandc:hasPerOccurrenceLimit a owl:ObjectProperty ; rdfs:label "hasPerOccurrenceLimit"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:Limit ; skos:definition "Per incident maximum coverage limit"@en ; rdfs:isDefinedBy . pandc:hasPerilAssessment a owl:ObjectProperty ; rdfs:label "hasPerilAssessment"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range pandc:PerilAssessment ; skos:definition "Links risk location to its peril-specific assessments"@en ; rdfs:isDefinedBy . pandc:hasPerilType a owl:ObjectProperty ; rdfs:label "hasPerilType"@en ; rdfs:domain pandc:CatastrophicRiskAssessment ; rdfs:range pandc:Peril ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasPolicy a owl:ObjectProperty ; rdfs:label "hasPolicy"@en ; rdfs:domain ins:Party ; rdfs:range ins:Policy ; skos:definition "Links insured party to their policy"@en ; rdfs:isDefinedBy . ins:hasPolicyCurrency a owl:ObjectProperty ; rdfs:label "hasPolicyCurrency"@en ; rdfs:domain ins:Policy ; rdfs:range ins:CurrencyCode ; skos:definition "Links a Policy to its ISO 4217 CurrencyCode NI. Source field: CurrencyID (field 15). Decision: NW."@en ; rdfs:isDefinedBy . ins:hasPolicyDeductible a owl:ObjectProperty ; rdfs:label "hasPolicyDeductible"@en ; rdfs:domain ins:Policy ; rdfs:range ins:PolicyDeductible ; skos:definition "Policy-level deductible provisions"@en ; rdfs:isDefinedBy . ins:hasPolicyExposure a owl:ObjectProperty ; rdfs:label "hasPolicyExposure"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Exposure ; skos:definition "Links a Policy directly to its Exposure records."@en ; rdfs:isDefinedBy . ins:hasPolicyPlacementType a owl:ObjectProperty ; rdfs:label "hasPolicyPlacementType"@en ; rdfs:domain ins:Policy ; rdfs:range pandc:PlacementType ; skos:definition "Links a policy to its placement type classification (e.g. Multinational, SingleCountry, ControlledMasterProgramme)"@en ; rdfs:isDefinedBy . ins:hasPolicyPremium a owl:ObjectProperty ; rdfs:label "hasPolicyPremium"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Policy pandc:PolicyPremium ) ] ; rdfs:range pandc:PolicyPremium ; a owl:FunctionalProperty ; skos:definition "Links a bound policy to its aggregated premium detail entity. Complements ins:totalPremiumAmount (quick-access scalar) w"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasPolicyProduct a owl:ObjectProperty ; rdfs:label "hasPolicyProduct"@en ; rdfs:domain ins:Policy ; rdfs:range pandc:Product ; skos:definition "Links a Policy directly to the Product it instantiates."@en ; rdfs:isDefinedBy . ins:hasPolicyStatus a owl:ObjectProperty ; rdfs:label "hasPolicyStatus"@en ; rdfs:domain ins:Policy ; rdfs:range ins:PolicyStatus ; skos:definition "Current lifecycle status of the policy"@en ; rdfs:isDefinedBy . ins:hasPolicyTerm a owl:ObjectProperty ; rdfs:label "hasPolicyTerm"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Policy pandc:RiskLocation ) ] ; rdfs:range ins:PolicyTerm ; a owl:FunctionalProperty ; skos:definition "Links risk location to its policy term context"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasPolicyUnderwriter a owl:ObjectProperty ; rdfs:label "hasPolicyUnderwriter"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Underwriter ; skos:definition "Links a Policy directly to its Underwriter."@en ; rdfs:isDefinedBy . ins:hasPortfolioClass a owl:ObjectProperty ; rdfs:label "hasPortfolioClass"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Account ins:Policy ) ] ; rdfs:range ins:PortfolioClass ; skos:definition "Links an Account to its PortfolioClass NI. Source field: PortfolioClass (field 11). Decision: NW."@en ; rdfs:isDefinedBy . pandc:hasPractitionerType a owl:ObjectProperty ; rdfs:label "hasPractitionerType"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:PractitionerType ; skos:definition "Classifies the practitioner type for professional indemnity/liability exposure"@en ; rdfs:isDefinedBy . pandc:hasPremises a owl:ObjectProperty ; rdfs:label "hasPremises"@en ; rdfs:domain pandc:MarineLiabilityExposure ; rdfs:range pandc:Location ; skos:definition "Links a MarineLiabilityExposure to the insured's premises Location. Replaces the incorrectly used pandc:appliesToLocatio"@en ; rdfs:isDefinedBy . pandc:hasPremisesHazard a owl:ObjectProperty ; rdfs:label "hasPremisesHazard"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:PremisesHazard ; skos:definition "Links GL exposure to premises-related hazards"@en ; rdfs:isDefinedBy . pandc:hasPremiumComponent a owl:ObjectProperty ; rdfs:label "hasPremiumComponent"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:PremiumComponent ; skos:definition "An individual element of premium calculation (base premium, factor impact, modifier impact, tax, fee)"@en ; rdfs:isDefinedBy . pandc:hasPremiumComponentType a owl:ObjectProperty ; rdfs:label "hasPremiumComponentType"@en ; rdfs:domain pandc:PremiumComponent ; rdfs:range pandc:PremiumComponentType ; skos:definition "Links a PremiumComponent instance to its PremiumComponentType controlled-vocabulary entry."@en ; rdfs:isDefinedBy . ins:hasPremiumInstallmentFrequency a owl:ObjectProperty ; rdfs:label "hasPremiumInstallmentFrequency"@en ; rdfs:domain ins:Policy ; rdfs:range ins:PremiumInstallmentFrequency ; skos:definition "Links a policy to its premium-instalment frequency — the contractual cadence at which premium is billed and collected."@en ; rdfs:isDefinedBy . ins:hasPremiumType a owl:ObjectProperty ; rdfs:label "hasPremiumType"@en ; rdfs:domain ins:Policy ; rdfs:range ins:PremiumType ; skos:definition "Links a policy to the classification of premium payment source: from the leader/cedant or directly from the insured."@en ; rdfs:isDefinedBy . pandc:hasPrimaryOccupancy a owl:ObjectProperty ; rdfs:label "hasPrimaryOccupancy"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:OccupancyClass ; a owl:FunctionalProperty ; skos:definition "Primary occupancy of a building or location. Domain extended (v10 RA): pandc:Building → adds pandc:Location for marine f"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasPriorTerm a owl:ObjectProperty ; rdfs:label "hasPriorTerm"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range ins:PolicyTerm ; skos:definition "Links a policy term to its preceding renewal term"@en ; rdfs:isDefinedBy . ins:hasProducerAppointment a owl:ObjectProperty ; rdfs:label "hasProducerAppointment"@en ; rdfs:domain ins:AdditionalInsured ; rdfs:range ins:ProducerAppointment ; skos:definition "Links a Producer role to a carrier-specific appointment record (commission, binding authority, appointment status)."@en ; rdfs:isDefinedBy . ins:hasProduct a owl:ObjectProperty ; rdfs:label "hasProduct"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Product ; skos:definition "The insurance product associated with this quote. Every quote must reference exactly one product."@en ; rdfs:isDefinedBy . pandc:hasProductLine a owl:ObjectProperty ; rdfs:label "hasProductLine"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:ProductLine ; skos:definition "Links product to its line of business configurations"@en ; rdfs:isDefinedBy . pandc:hasProductsHazard a owl:ObjectProperty ; rdfs:label "hasProductsHazard"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:ProductsHazard ; skos:definition "Links GL exposure to products-related hazards"@en ; rdfs:isDefinedBy . pandc:hasProfessionalHazard a owl:ObjectProperty ; rdfs:label "hasProfessionalHazard"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:ProfessionalHazard ; skos:definition "Links GL exposure to professional services hazards"@en ; rdfs:isDefinedBy . pandc:hasPropertyCoveragePart a owl:ObjectProperty ; rdfs:label "hasPropertyCoveragePart"@en ; rdfs:domain pandc:PropertyCoverage ; rdfs:range pandc:PropertyCoveragePart ; skos:definition "Specific component of property coverage (Building, BPP, Business Income, Extra Expense)"@en ; rdfs:isDefinedBy . pandc:hasPropertyExposure a owl:ObjectProperty ; rdfs:label "hasPropertyExposure"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:PropertyExposure ; a owl:FunctionalProperty ; skos:definition "Links a building to its property exposure values (TIV, building value, contents, business income, etc.)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasProtectiveSafeguard a owl:ObjectProperty ; rdfs:label "hasProtectiveSafeguard"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:ProtectiveSafeguard ; skos:definition "ISO protective safeguard (P1-P9) applicable to the building"@en ; rdfs:isDefinedBy . pandc:hasPublicProtectionClass a owl:ObjectProperty ; rdfs:label "hasPublicProtectionClass"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:PublicProtectionClass ; rdfs:isDefinedBy . ins:hasQuoteStatus a owl:ObjectProperty ; rdfs:label "hasQuoteStatus"@en ; rdfs:domain ins:Quote ; rdfs:range ins:QuoteStatus ; skos:definition "Current internal workflow status of the quote within carrier systems"@en ; rdfs:isDefinedBy . ins:hasQuoteType a owl:ObjectProperty ; rdfs:label "hasQuoteType"@en ; rdfs:domain ins:Quote ; rdfs:range ins:QuoteType ; skos:definition "Classification of the quote (new business, renewal, endorsement)"@en ; rdfs:isDefinedBy . pandc:hasRateChangeComponent a owl:ObjectProperty ; rdfs:label "hasRateChangeComponent"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:RateChangeComponent ; skos:definition "Links a PremiumCalculation to its per-factor rate-change attribution components. One component per driver (SIR, attachme"@en ; rdfs:isDefinedBy . pandc:hasRateChangeFactorType a owl:ObjectProperty ; rdfs:label "hasRateChangeFactorType"@en ; rdfs:domain pandc:RateChangeComponent ; rdfs:range pandc:RateChangeFactorType ; skos:definition "Rate-change attribution driver. Range: pandc:RateChangeFactorType (SIRChange, AttachmentChange, LimitChange, ExposureCha"@en ; rdfs:isDefinedBy . pandc:hasRateFiling a owl:ObjectProperty ; rdfs:label "hasRateFiling"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range pandc:RateFiling ; skos:definition "The regulatory filing associated with this rating plan"@en ; rdfs:isDefinedBy . pandc:hasRateTable a owl:ObjectProperty ; rdfs:label "hasRateTable"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range pandc:RateTable ; skos:definition "A rate table used by this rating plan for base rate lookup"@en ; rdfs:isDefinedBy . pandc:hasRatingFactor a owl:ObjectProperty ; rdfs:label "hasRatingFactor"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:RatingFactor ; skos:definition "Links GL exposure to applicable rating factors"@en ; rdfs:isDefinedBy . pandc:hasRatingFactorClass a owl:ObjectProperty ; rdfs:label "hasRatingFactorClass"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:RatingFactorClass ; skos:definition "Links a rating calculation to the specific coverage type it applies to"@en ; rdfs:isDefinedBy . pandc:hasRatingMethod a owl:ObjectProperty ; rdfs:label "hasRatingMethod"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range pandc:RatingMethod ; a owl:FunctionalProperty ; skos:definition "The primary rating methodology employed by this rating plan"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasRatingPlan a owl:ObjectProperty ; rdfs:label "hasRatingPlan"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:RatingPlan ; skos:definition "Rating plan used to calculate premiums for this product line"@en ; rdfs:isDefinedBy . pandc:hasRatingPlanCode a owl:ObjectProperty ; rdfs:label "hasRatingPlanCode"@en ; rdfs:domain pandc:RatingPlan ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the rating plan following format: LINE_PRODUCT_YEAR_VERSION (e.g., GL_COMM_2024_V1)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasRatingStep a owl:ObjectProperty ; rdfs:label "hasRatingStep"@en ; rdfs:domain pandc:RatingAlgorithm ; rdfs:range pandc:RatingStep ; skos:definition "An ordered step in the rating calculation sequence"@en ; rdfs:isDefinedBy . pandc:hasReferralReason a owl:ObjectProperty ; rdfs:label "hasReferralReason"@en ; rdfs:domain pandc:ReferralAction ; rdfs:range ins:ReferralReason ; skos:definition "Links a UW referral action to its ReferralReason NI. Source field: ReferralReason (field 274). Integer codes (2=RateChan"@en ; rdfs:isDefinedBy . pandc:hasRegion a owl:ObjectProperty ; rdfs:label "hasRegion"@en ; rdfs:domain pandc:RegionalEmployeeCount ; rdfs:range ins:StateProvince ; skos:definition "Links a RegionalEmployeeCount instance to the state or province it covers. Range: ins:StateProvince instances identified"@en ; rdfs:isDefinedBy . pandc:hasRegionalEmployeeCount a owl:ObjectProperty ; rdfs:label "hasRegionalEmployeeCount"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range pandc:RegionalEmployeeCount ; skos:definition "Links an EPL workforce exposure to its per-region headcount entries."@en ; rdfs:isDefinedBy . pandc:hasRegulatoryFiling a owl:ObjectProperty ; rdfs:label "hasRegulatoryFiling"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:RegulatoryFiling ; skos:definition "Regulatory submission for product line approval"@en ; rdfs:isDefinedBy . ins:hasReinsuranceAgreement a owl:ObjectProperty ; rdfs:label "hasReinsuranceAgreement"@en ; rdfs:domain ins:Policy ; rdfs:range ins:ReinsuranceAgreement ; skos:definition "Reinsurance covering this policy"@en ; rdfs:isDefinedBy . ins:hasReinsuranceClaim a owl:ObjectProperty ; rdfs:label "hasReinsuranceClaim"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:ReinsuranceClaim ; skos:definition "Recovery claims against reinsurer under this agreement"@en ; rdfs:isDefinedBy . ins:hasReinsuranceStatus a owl:ObjectProperty ; rdfs:label "hasReinsuranceStatus"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:ReinsuranceStatus ; skos:definition "Lifecycle status of the reinsurance agreement"@en ; rdfs:isDefinedBy . ins:hasReinsuranceStructure a owl:ObjectProperty ; rdfs:label "hasReinsuranceStructure"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:ReinsuranceStructure ; skos:definition "Proportional vs non-proportional structure"@en ; rdfs:isDefinedBy . ins:hasReinsuranceType a owl:ObjectProperty ; rdfs:label "hasReinsuranceType"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:ReinsuranceType ; skos:definition "Treaty vs facultative vs retrocession"@en ; rdfs:isDefinedBy . ins:hasRenewalType a owl:ObjectProperty ; rdfs:label "hasRenewalType"@en ; rdfs:domain ins:Quote ; rdfs:range ins:RenewalType ; skos:definition "Renewal processing type for this quote or policy"@en ; rdfs:isDefinedBy . pandc:hasReportingWindow a owl:ObjectProperty ; rdfs:label "hasReportingWindow"@en ; rdfs:domain pandc:ExtendedReportingPeriodOffer ; rdfs:range pandc:ReportingWindow ; skos:definition "Links a discovery-period offer to its extended reporting-window duration."@en ; rdfs:isDefinedBy . pandc:hasRetroactiveDateQualifier a owl:ObjectProperty ; rdfs:label "hasRetroactiveDateQualifier"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:DateQualifierType ; skos:definition "Collapses 4 mutually-exclusive RetroactiveDate* booleans into one enum-valued property. Range unified to pandc:DateQuali"@en ; rdfs:isDefinedBy . ins:hasReviewStatus a owl:ObjectProperty ; rdfs:label "hasReviewStatus"@en ; rdfs:domain ins:ConditionType ; rdfs:range ins:ReviewStatus ; skos:definition "Links a submission or underwriting action to its review status"@en ; rdfs:isDefinedBy . ins:hasRiskAppetite a owl:ObjectProperty ; rdfs:label "hasRiskAppetite"@en ; rdfs:domain ins:Submission ; rdfs:range ins:RiskAppetite ; skos:definition "The carrier risk appetite governing acceptance criteria for this submission."@en ; rdfs:isDefinedBy . ins:hasRiskAssessment a owl:ObjectProperty ; rdfs:label "hasRiskAssessment"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:LocationRiskAssessment ) ] ; rdfs:range [ a owl:Class ; owl:unionOf ( ins:RiskAssessment pandc:LocationRiskAssessment ) ] ; skos:definition "Links a location or risk location to its overall risk assessment"@en ; rdfs:isDefinedBy . pandc:hasRiskEngineeringLevel a owl:ObjectProperty ; rdfs:label "hasRiskEngineeringLevel"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range pandc:RiskEngineeringLevel ; skos:definition "Classifies whether/how much Chubb TRM was engaged on the risk. Distinct from ra:hasRiskEngineeringSurvey."@en ; rdfs:isDefinedBy . pandc:hasRiskLevelCoverage a owl:ObjectProperty ; rdfs:label "hasRiskLevelCoverage"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range pandc:RiskLevelCoverage ; skos:definition "The risk-level coverages applied to this insurable object or location. Location-level coverages support deductibles, bla"@en ; rdfs:isDefinedBy . pandc:hasRiskLocation a owl:ObjectProperty ; rdfs:label "hasRiskLocation"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:RiskLocation ; rdfs:isDefinedBy . pandc:hasRiskLocationBuilding a owl:ObjectProperty ; rdfs:label "hasRiskLocationBuilding"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range pandc:RiskLocationBuilding ; rdfs:isDefinedBy . pandc:hasRiskLocationPeril a owl:ObjectProperty ; rdfs:label "hasRiskLocationPeril"@en ; rdfs:domain pandc:RiskLocationPeril ; rdfs:range pandc:RiskLocationPeril ; skos:definition "Links a RiskLocation to its peril-specific assessment attributes."@en ; rdfs:isDefinedBy . ins:hasRiskMitigation a owl:ObjectProperty ; rdfs:label "hasRiskMitigation"@en ; rdfs:domain ins:Quote ; rdfs:range pandc:RiskMitigation ; skos:definition "Risk mitigation measures associated with this quote"@en ; rdfs:isDefinedBy . ra:hasRiskObservation a owl:ObjectProperty ; rdfs:label "hasRiskObservation"@en ; rdfs:domain ra:RiskObservation ; rdfs:range ra:RiskObservation ; skos:definition "Links a subject (policy, location, building, organization) to a risk observation"@en ; rdfs:isDefinedBy . pandc:hasRiskTier a owl:ObjectProperty ; rdfs:label "hasRiskTier"@en ; rdfs:domain pandc:LocationRiskAssessment ; rdfs:range pandc:RiskTier ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasSafetyProgram a owl:ObjectProperty ; rdfs:label "hasSafetyProgram"@en ; rdfs:domain pandc:GLExposure ; rdfs:range pandc:SafetyProgram ; skos:definition "Links GL exposure to safety programs"@en ; rdfs:isDefinedBy . pandc:hasSalaryBandEmployeeCount a owl:ObjectProperty ; rdfs:label "hasSalaryBandEmployeeCount"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range pandc:SalaryBandEmployeeCount ; skos:definition "Links an EPL workforce exposure to its per-salary-band headcount entries."@en ; rdfs:isDefinedBy . ins:hasSchedule a owl:ObjectProperty ; rdfs:label "hasSchedule"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Schedule ; skos:definition "Associates one or more Schedules (SOV, schedule of forms, schedule of underlying insurance, etc.) with this quote. Navig"@en ; rdfs:isDefinedBy . pandc:hasScheduleCategory a owl:ObjectProperty ; rdfs:label "hasScheduleCategory"@en ; rdfs:domain pandc:ScheduleRating ; rdfs:range pandc:ScheduleRatingCategory ; skos:definition "A category evaluated in schedule rating"@en ; rdfs:isDefinedBy . ins:hasScheduleItem a owl:ObjectProperty ; rdfs:label "hasScheduleItem"@en ; rdfs:domain ins:Schedule ; rdfs:range ins:ScheduleItem ; skos:definition "A line item belonging to this schedule. Minimum cardinality 1 enforced via OWL restriction on ins:Schedule."@en ; rdfs:isDefinedBy . pandc:hasSecurityRisk a owl:ObjectProperty ; rdfs:label "hasSecurityRisk"@en ; rdfs:domain pandc:LocationRiskAssessment ; rdfs:range pandc:SecurityRiskAssessment ; rdfs:isDefinedBy . pandc:hasSeismicDesignCategory a owl:ObjectProperty ; rdfs:label "hasSeismicDesignCategory"@en ; rdfs:domain pandc:EarthquakeAssessment ; rdfs:range pandc:SeismicDesignCategory ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasSelectionStatus a owl:ObjectProperty ; rdfs:label "hasSelectionStatus"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:SelectionStatus ; skos:definition "Links a coverage to its availability status (Mandatory, Optional, Excluded)"@en ; rdfs:isDefinedBy . ins:hasSourceMethod a owl:ObjectProperty ; rdfs:label "hasSourceMethod"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SourceMethod ; skos:definition "The business origination method or trading model"@en ; rdfs:isDefinedBy . ins:hasSourceSystem a owl:ObjectProperty ; rdfs:label "hasSourceSystem"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SourceSystem ; skos:definition "The policy administration or underwriting system that created this submission"@en ; rdfs:isDefinedBy . pandc:hasStandardizedAddress a owl:ObjectProperty ; rdfs:label "hasStandardizedAddress"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:StandardizedAddress ; rdfs:isDefinedBy . pandc:hasStateApproval a owl:ObjectProperty ; rdfs:label "hasStateApproval"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:StateApproval ; skos:definition "State-specific regulatory approval for product line"@en ; rdfs:isDefinedBy . ins:hasStateProvince a owl:ObjectProperty ; rdfs:label "hasStateProvince"@en ; rdfs:domain ins:PartyAddress ; rdfs:range ins:StateProvince ; a owl:FunctionalProperty ; skos:definition "State or province where address is located"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasStorageContext a owl:ObjectProperty ; rdfs:label "hasStorageContext"@en ; rdfs:domain pandc:FineArtExposure ; rdfs:range pandc:Storage ; skos:definition "Links a FineArtExposure to the Storage premises where the art is kept. Only populated for the location (at-rest) coverag"@en ; rdfs:isDefinedBy . pandc:hasStowageType a owl:ObjectProperty ; rdfs:label "hasStowageType"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range pandc:StowageType ; skos:definition "Links a MarineCargoExposure to its StowageType NI. RATING VARIABLE — stowage type affects rate."@en ; rdfs:isDefinedBy . pandc:hasSublimit a owl:ObjectProperty ; rdfs:label "hasSublimit"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:SublimitProvision ; skos:definition "Restricted limit for specific category within coverage"@en ; rdfs:isDefinedBy . pandc:hasSublimitLevel a owl:ObjectProperty ; rdfs:label "hasSublimitLevel"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range pandc:SublimitLevel ; a owl:FunctionalProperty ; skos:definition "The level at which this catastrophe sub-limit applies — policy-wide, per location, or per building."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasSubmissionCategory a owl:ObjectProperty ; rdfs:label "hasSubmissionCategory"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SubmissionCategory ; skos:definition "High-level categorization of submission based on data completeness (STRUCTURED or UNSTRUCTURED)"@en ; rdfs:isDefinedBy . ins:hasSubmissionParty a owl:ObjectProperty ; rdfs:label "hasSubmissionParty"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SubmissionPartyRole ; skos:definition "Links a submission to parties involved via role assignments"@en ; rdfs:isDefinedBy . ins:hasSubmissionRoleType a owl:ObjectProperty ; rdfs:label "hasSubmissionRoleType"@en ; rdfs:domain ins:SubmissionPartyRole ; rdfs:range ins:SubmissionRoleType ; a owl:FunctionalProperty ; skos:definition "Specifies the type of role a party plays on a submission"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasSubmissionSource a owl:ObjectProperty ; rdfs:label "hasSubmissionSource"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SubmissionSource ; skos:definition "Channel through which submission was received (API, EMAIL, PORTAL, MANUAL)"@en ; rdfs:isDefinedBy . ins:hasSubmissionStatus a owl:ObjectProperty ; rdfs:label "hasSubmissionStatus"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SubmissionStatus ; skos:definition "Current status of submission in intake and review workflow"@en ; rdfs:isDefinedBy . ins:hasSubmissionType a owl:ObjectProperty ; rdfs:label "hasSubmissionType"@en ; rdfs:domain ins:Submission ; rdfs:range ins:SubmissionType ; skos:definition "Classification of submission based on business context (new business, renewal, rewrite, endorsement)"@en ; rdfs:isDefinedBy . ins:hasSubrogation a owl:ObjectProperty ; rdfs:label "hasSubrogation"@en ; rdfs:domain ins:Claim ; rdfs:range ins:Subrogation ; skos:definition "Subrogation or recovery actions on this claim"@en ; rdfs:isDefinedBy . ins:hasSubsidiary a owl:ObjectProperty ; rdfs:label "hasSubsidiary"@en ; rdfs:domain ins:Organization ; rdfs:range ins:Organization ; skos:definition "A subsidiary organization directly owned or controlled by this organization"@en ; rdfs:isDefinedBy . ins:hasSurcharge a owl:ObjectProperty ; rdfs:label "hasSurcharge"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Surcharge ; skos:definition "Surcharges applied to this quote"@en ; rdfs:isDefinedBy . ins:hasSurchargeType a owl:ObjectProperty ; rdfs:label "hasSurchargeType"@en ; rdfs:domain ins:Surcharge ; rdfs:range ins:SurchargeType ; rdfs:isDefinedBy . ra:hasSurveyObservation a owl:ObjectProperty ; rdfs:label "hasSurveyObservation"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range ra:RiskObservation ; skos:definition "Observations collected during this survey"@en ; rdfs:isDefinedBy . pandc:hasSystemUpdate a owl:ObjectProperty ; rdfs:label "hasSystemUpdate"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:BuildingSystemUpdate ; skos:definition "Links building to its system update history"@en ; rdfs:isDefinedBy . pandc:hasTRIATier a owl:ObjectProperty ; rdfs:label "hasTRIATier"@en ; rdfs:domain pandc:TerrorismAssessment ; rdfs:range pandc:TRIATier ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasTax a owl:ObjectProperty ; rdfs:label "hasTax"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Tax ; skos:definition "Links a coverage to its statutory tax charges — separate from pandc:hasCoveragePremium."@en ; rdfs:isDefinedBy . pandc:hasTaxType a owl:ObjectProperty ; rdfs:label "hasTaxType"@en ; rdfs:domain pandc:Tax ; rdfs:range pandc:TaxType ; skos:definition "Discriminates tax type on a pandc:Tax instance."@en ; rdfs:isDefinedBy . ins:hasTechnicalRateSystem a owl:ObjectProperty ; rdfs:label "hasTechnicalRateSystem"@en ; rdfs:domain ins:Quote ; rdfs:range ins:TechnicalRateSystem ; skos:definition "Technical rating system used for this quote"@en ; rdfs:isDefinedBy . pandc:hasThirdPartyConstructionCode a owl:ObjectProperty ; rdfs:label "hasThirdPartyConstructionCode"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:ThirdPartyConstructionCode ; skos:definition "Links a building to its third-party vendor construction code assignment (e.g., RMS catastrophe model code, EMEA Construc"@en ; rdfs:isDefinedBy . pandc:hasTriggerType a owl:ObjectProperty ; rdfs:label "hasTriggerType"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:CoverageTriggerType ; skos:definition "Links a coverage to its claims-settlement trigger. Functional property."@en ; rdfs:isDefinedBy . ins:hasUltimateParent a owl:ObjectProperty ; rdfs:label "hasUltimateParent"@en ; rdfs:domain ins:Organization ; rdfs:range ins:Organization ; a owl:FunctionalProperty ; skos:definition "The top-level parent organization in the corporate hierarchy (global ultimate)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasUnderwriter a owl:ObjectProperty ; rdfs:label "hasUnderwriter"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Underwriter ; skos:definition "The underwriter assigned to evaluate and approve this quote"@en ; rdfs:isDefinedBy . ins:hasUnderwritingAction a owl:ObjectProperty ; rdfs:label "hasUnderwritingAction"@en ; rdfs:domain ins:ConditionType ; rdfs:range ins:UnderwritingAction ; skos:definition "Links a submission to underwriting actions taken on it"@en ; rdfs:isDefinedBy . ins:hasUnderwritingCompany a owl:ObjectProperty ; rdfs:label "hasUnderwritingCompany"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:ProductLine ) ] ; rdfs:range ins:Organization ; a owl:FunctionalProperty ; skos:definition "The insurance carrier legal entity that underwrites the risk and issues the policy"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasUnderwritingMethod a owl:ObjectProperty ; rdfs:label "hasUnderwritingMethod"@en ; rdfs:domain ins:Policy ; rdfs:range ins:UnderwritingMethod ; skos:definition "The method by which the policy was underwritten"@en ; rdfs:isDefinedBy . pandc:hasValuationBasis a owl:ObjectProperty ; rdfs:label "hasValuationBasis"@en ; rdfs:domain pandc:PropertyCoverage ; rdfs:range pandc:ValuationBasis ; a owl:FunctionalProperty ; skos:definition "Method for determining property value for claim settlement"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:hasValuationMethodRating a owl:ObjectProperty ; rdfs:label "hasValuationMethodRating"@en ; rdfs:domain pandc:PropertyValuation ; rdfs:range pandc:ValuationMethodRating ; skos:definition "The method used to determine property value"@en ; rdfs:isDefinedBy . pandc:hasVersionStatus a owl:ObjectProperty ; rdfs:label "hasVersionStatus"@en ; rdfs:domain pandc:VersionStatus ; rdfs:range pandc:VersionStatus ; skos:definition "The current lifecycle status of the product version (draft, pending approval, approved, active, etc.)"@en ; rdfs:isDefinedBy . pandc:hasWUIClassification a owl:ObjectProperty ; rdfs:label "hasWUIClassification"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range pandc:WUIClassification ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:hasWorkflowStage a owl:ObjectProperty ; rdfs:label "hasWorkflowStage"@en ; rdfs:domain ins:Quote ; rdfs:range ins:WorkflowStage ; skos:definition "Current stage in the underwriting workflow"@en ; rdfs:isDefinedBy . ins:hasWorkforceExposure a owl:ObjectProperty ; rdfs:label "hasWorkforceExposure"@en ; rdfs:domain ins:NamedInsured ; rdfs:range pandc:WorkforceExposure ; skos:definition "Links the named insured to its EPL workforce exposure profile."@en ; rdfs:isDefinedBy . ins:hasWritingCarrier a owl:ObjectProperty ; rdfs:label "hasWritingCarrier"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Organization ; skos:definition "The Chubb legal entity that underwrites and issues the policy"@en ; rdfs:isDefinedBy . pandc:hazardGrade a owl:ObjectProperty ; rdfs:label "hazardGrade"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range pandc:HazardGrade ; skos:definition "Hazard grade classification for the liability exposure"@en ; rdfs:isDefinedBy . ins:identifierFor a owl:ObjectProperty ; rdfs:label "identifierFor"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range ins:Party ; skos:definition "Links an identifier back to its party"@en ; rdfs:isDefinedBy . ins:identifierStatus a owl:ObjectProperty ; rdfs:label "identifierStatus"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range ins:IdentifierStatus ; skos:definition "Status: ACTIVE, INACTIVE, DEPRECATED, SUPERSEDED"@en ; rdfs:isDefinedBy . ins:identifierSystem a owl:ObjectProperty ; rdfs:label "identifierSystem"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range ins:IdentifierSystem ; skos:definition "System name (e.g., 'PAS_PRODUCER', 'L_CHUBB', 'PMS', 'PALIS', 'NIPR')"@en ; rdfs:isDefinedBy . ins:identifierType a owl:ObjectProperty ; rdfs:label "identifierType"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range ins:IdentifierType ; skos:definition "Identifier type name (e.g., 'PRODUCER_NUMBER', 'SUB_PRODUCER_NUMBER')"@en ; rdfs:isDefinedBy . pandc:inJurisdiction a owl:ObjectProperty ; rdfs:label "inJurisdiction"@en ; rdfs:domain pandc:TerritoryCode ; rdfs:range pandc:Jurisdiction ; a owl:FunctionalProperty ; skos:definition "The state or jurisdiction containing this territory"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:inRateTable a owl:ObjectProperty ; rdfs:label "inRateTable"@en ; rdfs:domain pandc:RateCell ; rdfs:range pandc:RateTable ; skos:definition "The rate table containing this rate cell"@en ; rdfs:isDefinedBy . pandc:includedInCoverage a owl:ObjectProperty ; rdfs:label "includedInCoverage"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "Links a Coverage to its bound benefit coverage instances. Each benefit coverage carries pandc:hasCoverageDefinition → pa"@en ; rdfs:isDefinedBy . ins:includesCoverage a owl:ObjectProperty ; rdfs:label "includesCoverage"@en ; rdfs:domain ins:Quote ; rdfs:range ins:InsuranceCoverage ; skos:definition "A coverage selection included in this quote or policy"@en ; rdfs:isDefinedBy . pandc:indemnityPeriodUnit a owl:ObjectProperty ; rdfs:label "indemnityPeriodUnit"@en ; rdfs:domain pandc:MarineIndemnityPeriod ; rdfs:range pandc:TimeUnit ; skos:definition "Time unit for the indemnity period (Days, Weeks, Months, Years, PolicyPeriod, Hours)."@en ; rdfs:isDefinedBy . ra:indicatorType a owl:ObjectProperty ; rdfs:label "indicatorType"@en ; rdfs:domain ra:RiskObservation ; rdfs:range ra:RiskIndicatorType ; skos:definition "The type of risk indicator this observation represents"@en ; rdfs:isDefinedBy . pandc:interestType a owl:ObjectProperty ; rdfs:label "interestType"@en ; rdfs:domain pandc:InterestedParty ; rdfs:range pandc:InsurableInterestType ; skos:definition "Type of insurable interest held by the InterestedParty (Mortgagee, Lienholder, LossPayee, AdditionalInsured). Source fie"@en ; rdfs:isDefinedBy . pandc:interestedPartyRef a owl:ObjectProperty ; rdfs:label "interestedPartyRef"@en ; rdfs:domain pandc:InterestedParty ; rdfs:range ins:Party ; skos:definition "Links an InterestedParty to the actual Party (ins:Party) holding the interest. Source field: InterestedParties (field 17"@en ; rdfs:isDefinedBy . ins:involvesParty a owl:ObjectProperty ; rdfs:label "involvesParty"@en ; rdfs:domain ins:SubmissionPartyRole ; rdfs:range ins:Party ; a owl:FunctionalProperty ; skos:definition "Links a submission party role to the actual party entity"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:isDependencyFor a owl:ObjectProperty ; rdfs:label "isDependencyFor"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "This coverage is required by another coverage"@en ; rdfs:isDefinedBy . pandc:isFilingFor a owl:ObjectProperty ; rdfs:label "isFilingFor"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range pandc:ProductLine ; skos:definition "Product lines this filing covers"@en ; rdfs:isDefinedBy . ins:isRoleOf a owl:ObjectProperty ; rdfs:label "isRoleOf"@en ; rdfs:domain ins:PartyRole ; rdfs:range ins:Party ; a owl:FunctionalProperty ; skos:definition "Links a party role back to the party playing that role"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:issuedUnder a owl:ObjectProperty ; rdfs:label "issuedUnder"@en ; rdfs:domain ins:Account ; rdfs:range ins:Account ; a owl:FunctionalProperty ; skos:definition "Links an ins:Quote or ins:Policy up to the ins:Account it is issued under. owl:FunctionalProperty — one Account per Quot"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:itemOfSchedule a owl:ObjectProperty ; rdfs:label "itemOfSchedule"@en ; rdfs:domain ins:ScheduleItem ; rdfs:range ins:Schedule ; a owl:FunctionalProperty ; skos:definition "Links a schedule item back to its parent schedule. Each item belongs to exactly one schedule."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:liabilityExposureForLocation a owl:ObjectProperty ; rdfs:label "liabilityExposureForLocation"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:Location ; skos:definition "Links a liability exposure back to the location it applies to"@en ; rdfs:isDefinedBy . ins:limitCurrencyCode a owl:ObjectProperty ; rdfs:label "limitCurrencyCode"@en ; rdfs:domain ins:Limit ; rdfs:range ins:CurrencyCode ; skos:definition "Currency in which the limit amount is expressed"@en ; rdfs:isDefinedBy . ins:limitType a owl:ObjectProperty ; rdfs:label "limitType"@en ; rdfs:domain ins:Limit ; rdfs:range ins:LimitType ; skos:definition "Type classification of this limit"@en ; rdfs:isDefinedBy . ins:limitValueMeasureType a owl:ObjectProperty ; rdfs:label "limitValueMeasureType"@en ; rdfs:domain ins:Limit ; rdfs:range ins:LimitValueMeasureType ; skos:definition "Links a limit to its value measure type (fixed amount or percentage)"@en ; rdfs:isDefinedBy . pandc:lineOfBusinessType a owl:ObjectProperty ; rdfs:label "lineOfBusinessType"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:ProductLineType ; a owl:FunctionalProperty ; skos:definition "Classifies the product line by insurance line of business (GL, Property, Auto, etc.)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:locatedAt a owl:ObjectProperty ; rdfs:label "locatedAt"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:Location ; a owl:FunctionalProperty ; skos:definition "Links a building to its physical location"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:locationOnQuote a owl:ObjectProperty ; rdfs:label "locationOnQuote"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Quote ; skos:definition "Links a location back to the quote it is associated with"@en ; rdfs:isDefinedBy . ins:lossProductLine a owl:ObjectProperty ; rdfs:label "lossProductLine"@en ; rdfs:domain ins:LossHistory ; rdfs:range ins:Product ; skos:definition "Prior carrier line of business normalized to Chubb product line taxonomy"@en ; rdfs:isDefinedBy . pandc:managedBy a owl:ObjectProperty ; rdfs:label "managedBy"@en ; rdfs:domain pandc:Building ; rdfs:range ins:Organization ; skos:definition "Property management relationship"@en ; rdfs:isDefinedBy . pandc:mapsZipToTerritory a owl:ObjectProperty ; rdfs:label "mapsZipToTerritory"@en ; rdfs:domain pandc:TerritoryMapping ; rdfs:range pandc:TerritoryCode ; skos:definition "The territory assigned to a specific ZIP code"@en ; rdfs:isDefinedBy . pandc:marketSegment a owl:ObjectProperty ; rdfs:label "marketSegment"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:MarketSegment ; a owl:FunctionalProperty ; skos:definition "Target market segment (small commercial, mid-market, large commercial)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:maxSpeedUnit a owl:ObjectProperty ; rdfs:label "maxSpeedUnit"@en ; rdfs:domain pandc:Vessel ; rdfs:range pandc:SpeedUnit ; skos:definition "Unit of measurement for pandc:maxSpeed (Knots, KilometresPerHour, MilesPerHour). Source field: MaxSpeed (field 182). Dec"@en ; rdfs:isDefinedBy . pandc:mechanicalBaseRate a owl:ObjectProperty ; rdfs:label "mechanicalBaseRate"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:RateCell ; skos:definition "The system-computed base rate looked up from the filed rate table for this calculation. Always populated. Links to the s"@en ; rdfs:isDefinedBy . ins:modifiesCoverage a owl:ObjectProperty ; rdfs:label "modifiesCoverage"@en ; rdfs:domain ins:Endorsement ; rdfs:range pandc:Coverage ; skos:definition "Endorsement modifies coverage terms"@en ; rdfs:isDefinedBy . pandc:occupiedBy a owl:ObjectProperty ; rdfs:label "occupiedBy"@en ; rdfs:domain pandc:Building ; rdfs:range ins:Organization ; skos:definition "Primary tenant or occupant"@en ; rdfs:isDefinedBy . pandc:offersCoverage a owl:ObjectProperty ; rdfs:label "offersCoverage"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:CoverageDefinition ; skos:definition "Links a product line to the coverage definitions it offers."@en ; rdfs:isDefinedBy . ins:originatedFromQuote a owl:ObjectProperty ; rdfs:label "originatedFromQuote"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Quote ; skos:definition "The quote that was bound to create this policy"@en ; rdfs:isDefinedBy . ins:originatedFromSubmission a owl:ObjectProperty ; rdfs:label "originatedFromSubmission"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Submission ; skos:definition "The submission that initiated the policy lifecycle"@en ; rdfs:isDefinedBy . ins:originatingClaim a owl:ObjectProperty ; rdfs:label "originatingClaim"@en ; rdfs:domain ins:ReinsuranceClaim ; rdfs:range ins:Claim ; skos:definition "The underlying insurance claim triggering this reinsurance recovery"@en ; rdfs:isDefinedBy . pandc:ownedBy a owl:ObjectProperty ; rdfs:label "ownedBy"@en ; rdfs:domain pandc:Building ; rdfs:range ins:Organization ; skos:definition "Building ownership relationship"@en ; rdfs:isDefinedBy . pandc:parentLocation a owl:ObjectProperty ; rdfs:label "parentLocation"@en ; rdfs:domain pandc:Location ; rdfs:range pandc:Location ; rdfs:isDefinedBy . ins:parentProducerId a owl:ObjectProperty ; rdfs:label "parentProducerId"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range ins:Party ; skos:definition "Reference to parent producer"@en ; rdfs:isDefinedBy . pandc:participatingShareLimitAmount a owl:ObjectProperty ; rdfs:label "participatingShareLimitAmount"@en ; rdfs:domain pandc:Coverage ; rdfs:range ins:MonetaryAmount ; skos:definition "Pre-calculated monetary amount of this carrier's participating share of the layer limit (= ins:limitAmount × pandc:parti"@en ; rdfs:isDefinedBy . ins:partyInvolvedIn a owl:ObjectProperty ; rdfs:label "partyInvolvedIn"@en ; rdfs:domain ins:SubmissionPartyRole ; rdfs:range ins:SubmissionPartyRole ; skos:definition "Links a party back to the submission party roles in which it participates"@en ; rdfs:isDefinedBy . ins:partyStatus a owl:ObjectProperty ; rdfs:label "partyStatus"@en ; rdfs:domain ins:Party ; rdfs:range ins:PartyStatus ; a owl:FunctionalProperty ; skos:definition "Current status of party (ACTIVE, INACTIVE, MERGED, DISSOLVED, SUSPENDED)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:partyType a owl:ObjectProperty ; rdfs:label "partyType"@en ; rdfs:domain ins:Party ; rdfs:range ins:PartyType ; a owl:FunctionalProperty ; skos:definition "Type of party (ORGANIZATION or PERSON)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:payeeParty a owl:ObjectProperty ; rdfs:label "payeeParty"@en ; rdfs:domain ins:ClaimPayment ; rdfs:range ins:Party ; skos:definition "Recipient of the payment"@en ; rdfs:isDefinedBy . ins:paymentOnClaim a owl:ObjectProperty ; rdfs:label "paymentOnClaim"@en ; rdfs:domain ins:ClaimPayment ; rdfs:range ins:Claim ; skos:definition "The claim this payment is made against"@en ; rdfs:isDefinedBy . ins:paymentType a owl:ObjectProperty ; rdfs:label "paymentType"@en ; rdfs:domain ins:ClaimPayment ; rdfs:range ins:PaymentType ; skos:definition "Classification of payment (Indemnity, ALAE, Defense, etc.)"@en ; rdfs:isDefinedBy . pandc:perilCoveredBy a owl:ObjectProperty ; rdfs:label "perilCoveredBy"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "Links a peril back to the coverage that provides protection against it"@en ; rdfs:isDefinedBy . pandc:perilScheduledIn a owl:ObjectProperty ; rdfs:label "perilScheduledIn"@en ; rdfs:domain pandc:Peril ; rdfs:range ins:ScheduleItem ; skos:definition "Links a peril back to the schedule item that applies it"@en ; rdfs:isDefinedBy . ins:policyFees a owl:ObjectProperty ; rdfs:label "policyFees"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Fee ; skos:definition "Links a Policy to its associated fee records."@en ; rdfs:isDefinedBy . ins:policyHolderParty a owl:ObjectProperty ; rdfs:label "policyHolderParty"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Party ; skos:definition "The named insured on the policy"@en ; rdfs:isDefinedBy . pandc:policyPremiumForPolicy a owl:ObjectProperty ; rdfs:label "policyPremiumForPolicy"@en ; rdfs:domain pandc:PolicyPremium ; rdfs:range ins:Policy ; rdfs:isDefinedBy . pandc:premiumComponentCurrencyCode a owl:ObjectProperty ; rdfs:label "premiumComponentCurrencyCode"@en ; rdfs:domain pandc:PremiumComponent ; rdfs:range ins:CurrencyCode ; skos:definition "Currency in which the premium component amount is expressed"@en ; rdfs:isDefinedBy . pandc:premiumDetailCurrencyCode a owl:ObjectProperty ; rdfs:label "premiumDetailCurrencyCode"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range ins:CurrencyCode ; skos:definition "Currency in which the premium detail amounts are expressed"@en ; rdfs:isDefinedBy . pandc:pricedCoverage a owl:ObjectProperty ; rdfs:label "pricedCoverage"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range pandc:Coverage ; rdfs:isDefinedBy . ins:primaryRatingState a owl:ObjectProperty ; rdfs:label "primaryRatingState"@en ; rdfs:domain ins:Quote ; rdfs:range ins:StateProvince ; skos:definition "State designated as the primary rating jurisdiction for the quote when multi-state operations exist (typically the state"@en ; rdfs:isDefinedBy . pandc:productLines a owl:ObjectProperty ; rdfs:label "productLines"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:ProductLine ; a owl:FunctionalProperty ; skos:definition "Insurance product line classification (GL, Property, Auto, etc.)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:propertyDefaultCausesOfLoss a owl:ObjectProperty ; rdfs:label "propertyDefaultCausesOfLoss"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range pandc:CausesOfLossForm ; a owl:FunctionalProperty ; skos:definition "Default causes of loss form (Basic, Broad, Special)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:propertyExposureCurrencyCode a owl:ObjectProperty ; rdfs:label "propertyExposureCurrencyCode"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range ins:CurrencyCode ; skos:definition "Currency in which the property exposure values are expressed"@en ; rdfs:isDefinedBy . pandc:propertyValuationMethod a owl:ObjectProperty ; rdfs:label "propertyValuationMethod"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range pandc:ValuationMethod ; a owl:FunctionalProperty ; skos:definition "Default valuation method for property coverage"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:protectionClass a owl:ObjectProperty ; rdfs:label "protectionClass"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range pandc:ProtectionClass ; skos:definition "The ISO PPC or protection grade for this building's location"@en ; rdfs:isDefinedBy . pandc:ratesBuilding a owl:ObjectProperty ; rdfs:label "ratesBuilding"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range pandc:Building ; skos:definition "The physical building structure being evaluated for property insurance rating"@en ; rdfs:isDefinedBy . pandc:ratingType a owl:ObjectProperty ; rdfs:label "ratingType"@en ; rdfs:domain pandc:ExposureAmount ; rdfs:range pandc:RatingType ; a owl:FunctionalProperty ; skos:definition "The rating methodology applied to this exposure"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:referencesBuilding a owl:ObjectProperty ; rdfs:label "referencesBuilding"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range pandc:Building ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:referencesRiskLocation a owl:ObjectProperty ; rdfs:label "referencesRiskLocation"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range pandc:RiskLocation ; a owl:FunctionalProperty ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:reinsuranceBrokerParty a owl:ObjectProperty ; rdfs:label "reinsuranceBrokerParty"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:Organization ; skos:definition "Intermediary broker, if applicable"@en ; rdfs:isDefinedBy . ins:reinsuranceClaimOnAgreement a owl:ObjectProperty ; rdfs:label "reinsuranceClaimOnAgreement"@en ; rdfs:domain ins:ReinsuranceClaim ; rdfs:range ins:ReinsuranceAgreement ; skos:definition "The reinsurance agreement this recovery claim is against"@en ; rdfs:isDefinedBy . ins:reinsurerParty a owl:ObjectProperty ; rdfs:label "reinsurerParty"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range ins:Organization ; skos:definition "The reinsurer assuming risk"@en ; rdfs:isDefinedBy . ins:relatedToLossHistory a owl:ObjectProperty ; rdfs:label "relatedToLossHistory"@en ; rdfs:domain ins:Claim ; rdfs:range ins:LossHistory ; skos:definition "Links to the LossHistory record for this claim"@en ; rdfs:isDefinedBy . pandc:replacedBy a owl:ObjectProperty ; rdfs:label "replacedBy"@en ; rdfs:domain pandc:RatingPlanVersion ; rdfs:range pandc:RatingPlanVersion ; skos:definition "The subsequent version that replaces this rating plan version"@en ; rdfs:isDefinedBy . pandc:replaces a owl:ObjectProperty ; rdfs:label "replaces"@en ; rdfs:domain pandc:RatingPlanVersion ; rdfs:range pandc:RatingPlanVersion ; skos:definition "The previous version that this rating plan version supersedes"@en ; rdfs:isDefinedBy . pandc:requiredCoverage a owl:ObjectProperty ; rdfs:label "requiredCoverage"@en ; rdfs:domain pandc:CoverageDependency ; rdfs:range pandc:CoverageTemplate ; rdfs:isDefinedBy . pandc:requiresIndustryCode a owl:ObjectProperty ; rdfs:label "requiresIndustryCode"@en ; rdfs:domain pandc:EligibilityCriteria ; rdfs:range pandc:IndustryClassification ; skos:definition "Industry classification required for eligibility evaluation"@en ; rdfs:isDefinedBy . pandc:requiresLocationAttribute a owl:ObjectProperty ; rdfs:label "requiresLocationAttribute"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:COPEAssessment ; skos:definition "Location attribute required for underwriting or rating"@en ; rdfs:isDefinedBy . pandc:restrictsByIndustry a owl:ObjectProperty ; rdfs:label "restrictsByIndustry"@en ; rdfs:domain pandc:Product ; rdfs:range pandc:IndustryClassification ; skos:definition "Industry code used to restrict product availability"@en ; rdfs:isDefinedBy . ins:resultsInPolicy a owl:ObjectProperty ; rdfs:label "resultsInPolicy"@en ; rdfs:domain ins:Policy ; rdfs:range ins:Policy ; skos:definition "Quote that produced this policy when bound"@en ; rdfs:isDefinedBy . ins:reviewStatus a owl:ObjectProperty ; rdfs:label "reviewStatus"@en ; rdfs:domain ins:Attachment ; rdfs:range ins:ReviewStatus ; skos:definition "Current review status of this attachment in the underwriting workflow"@en ; rdfs:isDefinedBy . pandc:riskAssessmentFor a owl:ObjectProperty ; rdfs:label "riskAssessmentFor"@en ; rdfs:domain pandc:LocationRiskAssessment ; rdfs:isDefinedBy . ins:roleContext a owl:ObjectProperty ; rdfs:label "roleContext"@en ; rdfs:domain ins:PartyRole ; rdfs:range ins:RoleContext ; a owl:FunctionalProperty ; skos:definition "Context of role (POLICY_TERM, CLAIM, GLOBAL)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:roleStatus a owl:ObjectProperty ; rdfs:label "roleStatus"@en ; rdfs:domain ins:PartyRole ; rdfs:range ins:RoleStatus ; a owl:FunctionalProperty ; skos:definition "Current status of the role (ACTIVE, INACTIVE, SUSPENDED, etc.)"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:roofGeometry a owl:ObjectProperty ; rdfs:label "roofGeometry"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:RoofGeometry ; skos:definition "Roof shape: FLAT, GABLE, HIP, SHED, etc."@en ; rdfs:isDefinedBy . ins:scheduleOnQuote a owl:ObjectProperty ; rdfs:label "scheduleOnQuote"@en ; rdfs:domain ins:Quote ; rdfs:range ins:Quote ; skos:definition "Links a schedule back to the quote it is associated with"@en ; rdfs:isDefinedBy . ins:scheduledByEndorsement a owl:ObjectProperty ; rdfs:label "scheduledByEndorsement"@en ; rdfs:domain ins:Schedule ; rdfs:range ins:Endorsement ; skos:definition "Links a schedule back to the endorsement that materializes it"@en ; rdfs:isDefinedBy . pandc:scheduledForm a owl:ObjectProperty ; rdfs:label "scheduledForm"@en ; rdfs:domain pandc:FormsScheduleItem ; rdfs:range ins:Endorsement ; skos:definition "The endorsement or form represented by this schedule item"@en ; rdfs:isDefinedBy . pandc:scheduledOn a owl:ObjectProperty ; rdfs:label "scheduledOn"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range ins:ScheduleItem ; skos:definition "Links an insurable object back to the schedule item that represents it on a Schedule"@en ; rdfs:isDefinedBy . ins:scheduledUnderCoverage a owl:ObjectProperty ; rdfs:label "scheduledUnderCoverage"@en ; rdfs:domain ins:Schedule ; rdfs:range pandc:Coverage ; skos:definition "Links a schedule back to the coverage(s) whose scope it defines"@en ; rdfs:isDefinedBy . ins:schedules a owl:ObjectProperty ; rdfs:label "schedules"@en ; rdfs:domain ins:ScheduleItem ; rdfs:range pandc:InsurableObject ; skos:definition "The InsurableObject (Building, Vehicle, Equipment, etc.) represented by this schedule line item"@en ; rdfs:isDefinedBy . ins:schedulesItems a owl:ObjectProperty ; rdfs:label "schedulesItems"@en ; rdfs:domain ins:Endorsement ; rdfs:range ins:Schedule ; skos:definition "An endorsement that materializes a schedule (e.g., a scheduled property endorsement attaches a Schedule of property item"@en ; rdfs:isDefinedBy . pandc:scoringProvider a owl:ObjectProperty ; rdfs:label "scoringProvider"@en ; rdfs:domain pandc:CyberRiskScore ; rdfs:range pandc:ScoringProvider ; skos:definition "Identifies the source of a cyber risk score (third-party vendor or internal Chubb model). NIs: ins:Bitsight, pandc:Chubb"@en ; rdfs:isDefinedBy . pandc:securitySystemType a owl:ObjectProperty ; rdfs:label "securitySystemType"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:SecuritySystemType ; rdfs:isDefinedBy . pandc:selectedByQuote a owl:ObjectProperty ; rdfs:label "selectedByQuote"@en ; rdfs:domain pandc:Product ; rdfs:range ins:Quote ; skos:definition "Quote that selected this product for coverage"@en ; rdfs:isDefinedBy . pandc:selectedRateOverride a owl:ObjectProperty ; rdfs:label "selectedRateOverride"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:UWRateOverride ; skos:definition "The underwriter-selected rate override for this calculation. Populated only when pandc:appliedRateStatus = pandc:Selecte"@en ; rdfs:isDefinedBy . pandc:sharesAggregateWith a owl:ObjectProperty ; rdfs:label "sharesAggregateWith"@en ; rdfs:domain pandc:Coverage ; rdfs:range pandc:Coverage ; skos:definition "Symmetric property linking Coverage instances that share one aggregate-limit pool."@en ; rdfs:isDefinedBy . ins:sourceParty a owl:ObjectProperty ; rdfs:label "sourceParty"@en ; rdfs:domain ins:PartyRelationship ; rdfs:range ins:Party ; a owl:FunctionalProperty ; skos:definition "Party from which relationship originates."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:sprinklerSystemType a owl:ObjectProperty ; rdfs:label "sprinklerSystemType"@en ; rdfs:domain pandc:Building ; rdfs:range pandc:SprinklerSystemType ; skos:definition "Type of automatic sprinkler system installed"@en ; rdfs:isDefinedBy . pandc:storageAddress a owl:ObjectProperty ; rdfs:label "storageAddress"@en ; rdfs:domain pandc:Storage ; rdfs:range pandc:Location ; skos:definition "Links a Storage premises to its physical location. Source field: StorageAddress. Decision: NW."@en ; rdfs:isDefinedBy . ins:sublimitType a owl:ObjectProperty ; rdfs:label "sublimitType"@en ; rdfs:domain ins:Sublimit ; rdfs:range pandc:SubLimitType ; skos:definition "Identifies the category of cost or loss this sublimit caps. Links an ins:Sublimit instance to its controlling pandc:SubL"@en ; rdfs:isDefinedBy . ins:submissionPartyOf a owl:ObjectProperty ; rdfs:label "submissionPartyOf"@en ; rdfs:domain ins:SubmissionPartyRole ; rdfs:range ins:Submission ; a owl:FunctionalProperty ; skos:definition "Links a submission party role back to its submission"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:summarizesLossHistory a owl:ObjectProperty ; rdfs:label "summarizesLossHistory"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range ins:LossHistory ; skos:definition "Links a loss history summary to the individual loss event records it aggregates"@en ; rdfs:isDefinedBy . ins:surchargeType a owl:ObjectProperty ; rdfs:label "surchargeType"@en ; rdfs:domain ins:Surcharge ; rdfs:range ins:SurchargeType ; skos:definition "Type classification of this surcharge"@en ; rdfs:isDefinedBy . ra:surveyEngineer a owl:ObjectProperty ; rdfs:label "surveyEngineer"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range ins:Party ; skos:definition "Risk engineer who conducted the survey"@en ; rdfs:isDefinedBy . ra:surveyedObject a owl:ObjectProperty ; rdfs:label "surveyedObject"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range pandc:InsurableObject ; skos:definition "The specific object surveyed (Building, LandParcel, or other insurable object). Not every survey targets a building - so"@en ; rdfs:isDefinedBy . ra:surveyedRisk a owl:ObjectProperty ; rdfs:label "surveyedRisk"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range pandc:Location ; skos:definition "The location that was the subject of this survey"@en ; rdfs:isDefinedBy . pandc:systemType a owl:ObjectProperty ; rdfs:label "systemType"@en ; rdfs:domain pandc:BuildingSystemUpdate ; rdfs:range pandc:BuildingSystemType ; rdfs:isDefinedBy . ins:targetParty a owl:ObjectProperty ; rdfs:label "targetParty"@en ; rdfs:domain ins:PartyRelationship ; rdfs:range ins:Party ; a owl:FunctionalProperty ; skos:definition "Party toward which relationship points."@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . ins:taxExemptionType a owl:ObjectProperty ; rdfs:label "taxExemptionType"@en ; rdfs:domain ins:Quote ; rdfs:range ins:TaxExemptionType ; skos:definition "Classification of the insured's tax-exempt status applicable to the quote (e.g., governmental, religious, charitable / 5"@en ; rdfs:isDefinedBy . ins:taxIdType a owl:ObjectProperty ; rdfs:label "taxIdType"@en ; rdfs:domain ins:Party ; rdfs:range ins:TaxIdType ; skos:definition "Type of tax identification (EIN, SSN, ITIN, TIN)"@en ; rdfs:isDefinedBy . ins:termOfPolicy a owl:ObjectProperty ; rdfs:label "termOfPolicy"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range ins:Policy ; skos:definition "Links term back to its policy"@en ; rdfs:isDefinedBy . pandc:underwritesProductLine a owl:ObjectProperty ; rdfs:label "underwritesProductLine"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:ProductLine ; skos:definition "Links an underwriting company organization to the product lines it underwrites"@en ; rdfs:isDefinedBy . pandc:usesModifier a owl:ObjectProperty ; rdfs:label "usesModifier"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range pandc:RatingModifier ; a owl:FunctionalProperty ; skos:definition "The specific rating modifier being applied"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:usesRatingPlan a owl:ObjectProperty ; rdfs:label "usesRatingPlan"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range pandc:RatingPlanVersion ; a owl:FunctionalProperty ; skos:definition "The specific rating plan version used in this calculation"@en ; ec:w3cPattern "FunctionalProperty — at most one value per subject (0..1)" ; rdfs:isDefinedBy . pandc:validInJurisdiction a owl:ObjectProperty ; rdfs:label "validInJurisdiction"@en ; rdfs:domain pandc:ProductLine ; rdfs:range pandc:Jurisdiction ; skos:definition "State or jurisdiction where product line is approved for sale"@en ; rdfs:isDefinedBy . pandc:valuationMethod a owl:ObjectProperty ; rdfs:label "valuationMethod"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range pandc:ValuationMethod ; skos:definition "Method used to determine property insured value"@en ; rdfs:isDefinedBy . ins:versionOf a owl:ObjectProperty ; rdfs:label "versionOf"@en ; rdfs:domain ins:ClassificationVersion ; rdfs:range ins:Classification ; rdfs:isDefinedBy . pandc:vesselFlag a owl:ObjectProperty ; rdfs:label "vesselFlag"@en ; rdfs:domain pandc:Vessel ; rdfs:range ins:CountryCode ; skos:definition "Flag state CountryCode NI for the vessel. Identifying + RATING VARIABLE (flag of convenience affects underwriting). Sour"@en ; rdfs:isDefinedBy . pandc:vesselRiskType a owl:ObjectProperty ; rdfs:label "vesselRiskType"@en ; rdfs:domain pandc:Vessel ; rdfs:range pandc:VesselRiskType ; skos:definition "Links a Vessel to its VesselRiskType NI (Bluewater, Inshore, Coastal, InlandWater). RATING VARIABLE. Source field: HullP"@en ; rdfs:isDefinedBy . ins:waitingPeriodUnit a owl:ObjectProperty ; rdfs:label "waitingPeriodUnit"@en ; rdfs:domain ins:Deductible ; rdfs:range pandc:TimeUnit ; skos:definition "Time unit for ins:waitingPeriodValue. Source field: DeductiableWaitPeriod (field 89). Decision: NW. pandc:Hours NI added"@en ; rdfs:isDefinedBy . pandc:wildfireHazardScore a owl:ObjectProperty ; rdfs:label "wildfireHazardScore"@en ; rdfs:domain pandc:WildfireAssessment ; skos:definition "Wildfire risk score from 1 (lowest) to 100 (highest)"@en ; rdfs:isDefinedBy . ins:withinLimit a owl:ObjectProperty ; rdfs:label "withinLimit"@en ; rdfs:domain ins:Limit ; rdfs:range ins:Limit ; skos:definition "Links a sublimit to the parent limit it draws from and erodes. Asymmetric and irreflexive. Mandatory on D&O ins:Sublimit"@en ; rdfs:isDefinedBy . pandc:writingCarrier a owl:ObjectProperty ; rdfs:label "writingCarrier"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range ins:Organization ; skos:definition "The insurance company entity that underwrites the policy and bears the risk"@en ; rdfs:isDefinedBy . #---------------------------------------------------------------------------------------------------- # DATATYPE PROPERTIES #---------------------------------------------------------------------------------------------------- ins:ANZSICIdentifier a owl:DatatypeProperty ; rdfs:label "ANZSICIdentifier"@en ; rdfs:domain ins:BusinessClassification ; rdfs:range xsd:string ; skos:definition "Australia and New Zealand Standard Industrial Classification code"@en ; rdfs:isDefinedBy . ins:APRAIdentifier a owl:DatatypeProperty ; rdfs:label "APRAIdentifier"@en ; rdfs:domain ins:BusinessClassification ; rdfs:range xsd:string ; skos:definition "Australian Prudential Regulation Authority industry classification code"@en ; rdfs:isDefinedBy . pandc:RPFConstructionFactorPct a owl:DatatypeProperty ; rdfs:label "RPFConstructionFactorPct"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "The Construction component (factor A) of the Risk Peculiarity Factor — a Chubb UK commercial property rating adjustment"@en ; rdfs:isDefinedBy . pandc:RPFOtherFactorPct a owl:DatatypeProperty ; rdfs:label "RPFOtherFactorPct"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "The general other-factor component (factor C) of the RPF — catch-all adjustment for risk peculiarities not captured by c"@en ; rdfs:isDefinedBy . pandc:RPFWarehouseFactorPct a owl:DatatypeProperty ; rdfs:label "RPFWarehouseFactorPct"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "The Warehouse component (factor B) of the Risk Peculiarity Factor — adjustment for warehouse-specific risk characteristi"@en ; rdfs:isDefinedBy . pandc:accountsReceivableValue a owl:DatatypeProperty ; rdfs:label "accountsReceivableValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Outstanding accounts receivable value at risk"@en ; rdfs:isDefinedBy . pandc:actualLosses a owl:DatatypeProperty ; rdfs:label "actualLosses"@en ; rdfs:domain pandc:ExperienceModificationFactor ; rdfs:range xsd:decimal ; skos:definition "Total incurred losses during experience period"@en ; rdfs:isDefinedBy . ins:addressLine1 a owl:DatatypeProperty ; rdfs:label "addressLine1"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:PartyAddress pandc:StandardizedAddress ) ] ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Primary line of the postal address as standardized by an address-validation / CASS-certified service: typically house /"@en ; rdfs:isDefinedBy . ins:addressLine2 a owl:DatatypeProperty ; rdfs:label "addressLine2"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:PartyAddress pandc:StandardizedAddress ) ] ; rdfs:range xsd:string ; skos:definition "Secondary line of the postal address as standardized by an address-validation / CASS-certified service: typically a seco"@en ; rdfs:isDefinedBy . ins:addressLine3 a owl:DatatypeProperty ; rdfs:label "addressLine3"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; skos:definition "Third line of street address"@en ; rdfs:isDefinedBy . ins:addressType a owl:DatatypeProperty ; rdfs:label "addressType"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Type of address (MAILING, BILLING, PHYSICAL, HEADQUARTERS)"@en ; rdfs:isDefinedBy . pandc:adjacentHazardLevel a owl:DatatypeProperty ; rdfs:label "adjacentHazardLevel"@en ; rdfs:domain pandc:AdjacentOccupancy ; rdfs:range xsd:string ; skos:definition "LOW, MEDIUM, or HIGH."@en ; rdfs:isDefinedBy . pandc:adjacentOccupancyDescription a owl:DatatypeProperty ; rdfs:label "adjacentOccupancyDescription"@en ; rdfs:domain pandc:AdjacentOccupancy ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:adjustedRateMovement a owl:DatatypeProperty ; rdfs:label "adjustedRateMovement"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Adjusted rate movement after underwriter intervention. Source field: FLDO.AdjRateMovement (Q-PREM-3)."@en ; rdfs:isDefinedBy . ins:aggregateDeductible a owl:DatatypeProperty ; rdfs:label "aggregateDeductible"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:decimal ; skos:definition "Maximum total deductible amount for the policy period"@en ; rdfs:isDefinedBy . pandc:aggregateLimitShared a owl:DatatypeProperty ; rdfs:label "aggregateLimitShared"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range xsd:boolean ; skos:definition "Whether the aggregate limit is shared across all locations and risks within the line of business"@en ; rdfs:isDefinedBy . pandc:airQualityIndex a owl:DatatypeProperty ; rdfs:label "airQualityIndex"@en ; rdfs:domain pandc:EnvironmentalRiskAssessment ; rdfs:range xsd:integer ; rdfs:isDefinedBy . pandc:algorithmFormula a owl:DatatypeProperty ; rdfs:label "algorithmFormula"@en ; rdfs:domain pandc:RatingAlgorithm ; rdfs:range xsd:string ; skos:definition "Mathematical expression representing the premium calculation"@en ; rdfs:isDefinedBy . pandc:allocationPercentage a owl:DatatypeProperty ; rdfs:label "allocationPercentage"@en ; rdfs:domain pandc:StatePremiumAllocation ; rdfs:range xsd:decimal ; skos:definition "Percentage allocation for a StatePremiumAllocation — either state levy apportionment or Coverage-Part split. Source fiel"@en ; rdfs:isDefinedBy . pandc:allowingForInflationTivBiLc a owl:DatatypeProperty ; rdfs:label "allowingForInflationTivBiLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The business interruption component of a 100% TIV loss scenario after applying the inflation uplift factor (pandc:inflat"@en ; rdfs:isDefinedBy . pandc:allowingForInflationTivPdLc a owl:DatatypeProperty ; rdfs:label "allowingForInflationTivPdLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The property damage component of a 100% TIV loss scenario after applying the inflation uplift factor (pandc:inflationUpl"@en ; rdfs:isDefinedBy . pandc:annualPayroll a owl:DatatypeProperty ; rdfs:label "annualPayroll"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Annual payroll by classification for exposure rating"@en ; rdfs:isDefinedBy . ins:annualRevenue a owl:DatatypeProperty ; rdfs:label "annualRevenue"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Annual revenue for this individual legal entity only, excluding subsidiaries and affiliates"@en ; rdfs:isDefinedBy . pandc:annualSales a owl:DatatypeProperty ; rdfs:label "annualSales"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Annual sales/revenue amount for exposure rating"@en ; rdfs:isDefinedBy . pandc:annualTaxAmount a owl:DatatypeProperty ; rdfs:label "annualTaxAmount"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Annual tax amount"@en ; rdfs:isDefinedBy . pandc:annualizedPremium a owl:DatatypeProperty ; rdfs:label "annualizedPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Final annual premium after all adjustments"@en ; rdfs:isDefinedBy . pandc:applicationTimestamp a owl:DatatypeProperty ; rdfs:label "applicationTimestamp"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "Precise date and time when the modification was applied"@en ; rdfs:isDefinedBy . pandc:appliedByAuthorityLevel a owl:DatatypeProperty ; rdfs:label "appliedByAuthorityLevel"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "The authority level classification of the party who applied the modification"@en ; rdfs:isDefinedBy . pandc:appliedCatastropheRate a owl:DatatypeProperty ; rdfs:label "appliedCatastropheRate"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Final catastrophe peril rate after applying deductible factors, credits, and adjustments"@en ; rdfs:isDefinedBy . ins:appliedExposureRate a owl:DatatypeProperty ; rdfs:label "appliedExposureRate"@en ; rdfs:domain ins:Exposure ; rdfs:range xsd:decimal ; skos:definition "Rate (decimal) applied to an exposure to derive premium. RATING VARIABLE attached at the most general class (ins:Exposur"@en ; rdfs:isDefinedBy . pandc:appliesFactor a owl:DatatypeProperty ; rdfs:label "appliesFactor"@en ; rdfs:domain pandc:PremiumCalculation ; skos:definition "A rating factor applied during this calculation"@en ; rdfs:isDefinedBy . ins:appointmentDate a owl:DatatypeProperty ; rdfs:label "appointmentDate"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date appointment becomes effective"@en ; rdfs:isDefinedBy . ins:appointmentNumber a owl:DatatypeProperty ; rdfs:label "appointmentNumber"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique appointment identifier"@en ; rdfs:isDefinedBy . pandc:approvalDate a owl:DatatypeProperty ; rdfs:label "approvalDate"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range xsd:dateTime ; skos:definition "Date filing approved by regulatory authority"@en ; rdfs:isDefinedBy . pandc:approvedAt a owl:DatatypeProperty ; rdfs:label "approvedAt"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:dateTime ; skos:definition "Optional timestamp when product was approved"@en ; rdfs:isDefinedBy . ins:approvedBy a owl:DatatypeProperty ; rdfs:label "approvedBy"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:Product ) ] ; rdfs:range xsd:string ; skos:definition "Name of the most recent approver, or null if no approval required"@en ; rdfs:isDefinedBy . ins:approvedDate a owl:DatatypeProperty ; rdfs:label "approvedDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; skos:definition "Date and time when the most recent approval was granted"@en ; rdfs:isDefinedBy . ins:attachmentId a owl:DatatypeProperty ; rdfs:label "attachmentId"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for this attachment within the submission or quote"@en ; rdfs:isDefinedBy . ins:attachmentPoint a owl:DatatypeProperty ; rdfs:label "attachmentPoint"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Loss amount at which excess-of-loss reinsurance begins to respond"@en ; rdfs:isDefinedBy . ins:attentionTo a owl:DatatypeProperty ; rdfs:label "attentionTo"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; skos:definition "Attention line for mail delivery"@en ; rdfs:isDefinedBy . pandc:availableStates a owl:DatatypeProperty ; rdfs:label "availableStates"@en ; rdfs:domain pandc:DeductibleOption ; rdfs:range xsd:string ; skos:definition "Array of state codes where option is available"@en ; rdfs:isDefinedBy . pandc:averageAnnualLoss a owl:DatatypeProperty ; rdfs:label "averageAnnualLoss"@en ; rdfs:domain pandc:PerilAssessment ; rdfs:range xsd:decimal ; skos:definition "Expected average annual loss from this peril"@en ; rdfs:isDefinedBy . pandc:balanceSheetCommentary a owl:DatatypeProperty ; rdfs:label "balanceSheetCommentary"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range xsd:string ; skos:definition "Free-text analyst commentary on the balance sheet. Source field: FinancialAnalysis.BalanceSheetComments."@en ; rdfs:isDefinedBy . ins:bankruptcyDate a owl:DatatypeProperty ; rdfs:label "bankruptcyDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date of bankruptcy filing"@en ; rdfs:isDefinedBy . ins:bankruptcyIndicator a owl:DatatypeProperty ; rdfs:label "bankruptcyIndicator"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:boolean ; skos:definition "Whether organization has bankruptcy history"@en ; rdfs:isDefinedBy . pandc:baseFloodElevation a owl:DatatypeProperty ; rdfs:label "baseFloodElevation"@en ; rdfs:domain pandc:FloodAssessment ; rdfs:range xsd:decimal ; skos:definition "Base flood elevation in feet above sea level"@en ; rdfs:isDefinedBy . ins:baseRate a owl:DatatypeProperty ; rdfs:label "baseRate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:ISOClassCode pandc:LiabilityExposure ) ] ; rdfs:range xsd:decimal ; skos:definition "Base premium rate for this classification before modifications"@en ; rdfs:isDefinedBy . pandc:baseRateMultiplier a owl:DatatypeProperty ; rdfs:label "baseRateMultiplier"@en ; rdfs:domain pandc:ProductLine ; rdfs:range xsd:decimal ; skos:definition "Multiplier applied to base rates for line-specific adjustments"@en ; rdfs:isDefinedBy . ins:bestTimeToContact a owl:DatatypeProperty ; rdfs:label "bestTimeToContact"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; skos:definition "Best time to reach this contact"@en ; rdfs:isDefinedBy . ins:bindingAuthorityLimit a owl:DatatypeProperty ; rdfs:label "bindingAuthorityLimit"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:decimal ; skos:definition "Maximum binding authority amount"@en ; rdfs:isDefinedBy . pandc:blanketGroupId a owl:DatatypeProperty ; rdfs:label "blanketGroupId"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:string ; skos:definition "Identifier for the blanket group when coverage applies across multiple risks"@en ; rdfs:isDefinedBy . ins:breachConsequence a owl:DatatypeProperty ; rdfs:label "breachConsequence"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:string ; skos:definition "Consequence of breaching this condition"@en ; rdfs:isDefinedBy . ins:breadthOfCover a owl:DatatypeProperty ; rdfs:label "breadthOfCover"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Breadth-of-cover classification for the policy (e.g. Full, Limited, Excess)"@en ; rdfs:isDefinedBy . pandc:breakdownPercent a owl:DatatypeProperty ; rdfs:label "breakdownPercent"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Breakdown percentage for the property exposure"@en ; rdfs:isDefinedBy . ins:brokerBranch a owl:DatatypeProperty ; rdfs:label "brokerBranch"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "The branch of the broker firm responsible for placing and servicing this policy. Distinct from ins:hasBranch (Chubb serv"@en ; rdfs:isDefinedBy . ins:brokerSegment a owl:DatatypeProperty ; rdfs:label "brokerSegment"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "Broker segment classification"@en ; rdfs:isDefinedBy . pandc:brownfieldIndicator a owl:DatatypeProperty ; rdfs:label "brownfieldIndicator"@en ; rdfs:domain pandc:EnvironmentalRiskAssessment ; rdfs:range xsd:boolean ; rdfs:isDefinedBy . pandc:buildingAgeBand a owl:DatatypeProperty ; rdfs:label "buildingAgeBand"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range xsd:string ; skos:definition "Categorical age range classification of building for rating factor table lookup"@en ; rdfs:isDefinedBy . pandc:buildingDeductible a owl:DatatypeProperty ; rdfs:label "buildingDeductible"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:buildingId a owl:DatatypeProperty ; rdfs:label "buildingId"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique system identifier for building across all locations"@en ; rdfs:isDefinedBy . pandc:buildingLimit a owl:DatatypeProperty ; rdfs:label "buildingLimit"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:buildingName a owl:DatatypeProperty ; rdfs:label "buildingName"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Descriptive name for the building"@en ; rdfs:isDefinedBy . pandc:buildingNumber a owl:DatatypeProperty ; rdfs:label "buildingNumber"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Sequential identifier for buildings at a location"@en ; rdfs:isDefinedBy . pandc:buildingValue a owl:DatatypeProperty ; rdfs:label "buildingValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Replacement or actual cash value of the building structure"@en ; rdfs:isDefinedBy . pandc:buildingValuePercentage a owl:DatatypeProperty ; rdfs:label "buildingValuePercentage"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Percentage of the total estimated building value advised by the insured allocated to this premises (0.0 to 1.0). Used in"@en ; rdfs:isDefinedBy . pandc:burglaryRate a owl:DatatypeProperty ; rdfs:label "burglaryRate"@en ; rdfs:domain pandc:SecurityRiskAssessment ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . ins:businessDescription a owl:DatatypeProperty ; rdfs:label "businessDescription"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Organization pandc:GLExposure pandc:LiabilityExposure ) ] ; rdfs:range xsd:string ; skos:definition "Free-text business description on an exposure. Domain extended (v10 RA): existing pandc:LiabilityExposure → adds pandc:M"@en ; rdfs:isDefinedBy . pandc:businessIncomeCoverageLimit a owl:DatatypeProperty ; rdfs:label "businessIncomeCoverageLimit"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:businessIncomeFactorPercentage a owl:DatatypeProperty ; rdfs:label "businessIncomeFactorPercentage"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Percentage applied to annual business income to determine coverage amount or premium calculation"@en ; rdfs:isDefinedBy . pandc:businessIncomeIndemnityPeriod a owl:DatatypeProperty ; rdfs:label "businessIncomeIndemnityPeriod"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:integer ; skos:definition "Maximum business income indemnity period in months"@en ; rdfs:isDefinedBy . pandc:businessIncomeLimit a owl:DatatypeProperty ; rdfs:label "businessIncomeLimit"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "Business income coverage limit"@en ; rdfs:isDefinedBy . pandc:businessIncomeValue a owl:DatatypeProperty ; rdfs:label "businessIncomeValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Annual business income value for business interruption exposure"@en ; rdfs:isDefinedBy . pandc:businessIncomeValuePercentage a owl:DatatypeProperty ; rdfs:label "businessIncomeValuePercentage"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Percentage of the total estimated business income figures advised by the insured allocated to this premises (0.0 to 1.0)"@en ; rdfs:isDefinedBy . pandc:businessIncomeWaitingPeriod a owl:DatatypeProperty ; rdfs:label "businessIncomeWaitingPeriod"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:integer ; skos:definition "Business income waiting period in hours before coverage begins"@en ; rdfs:isDefinedBy . pandc:businessUnit a owl:DatatypeProperty ; rdfs:label "businessUnit"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "Organizational unit responsible for product"@en ; rdfs:isDefinedBy . ins:buybackPremium a owl:DatatypeProperty ; rdfs:label "buybackPremium"@en ; rdfs:domain ins:Exclusion ; rdfs:range xsd:decimal ; skos:definition "Premium to buy back (remove) this exclusion"@en ; rdfs:isDefinedBy . pandc:byPerilIndicator a owl:DatatypeProperty ; rdfs:label "byPerilIndicator"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:string ; skos:definition "Indicator denoting that rating, deductibles, and sub-limits are applied separately by peril (e.g., wind, earthquake, flo"@en ; rdfs:isDefinedBy . pandc:calculationIdentifier a owl:DatatypeProperty ; rdfs:label "calculationIdentifier"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for this calculation execution"@en ; rdfs:isDefinedBy . pandc:calculationModelName a owl:DatatypeProperty ; rdfs:label "calculationModelName"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:string ; skos:definition "Name / identifier of the rating or pricing model used to compute the premium for the quote (e.g., the named version of t"@en ; rdfs:isDefinedBy . pandc:calculationTimestamp a owl:DatatypeProperty ; rdfs:label "calculationTimestamp"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "Date and time when calculation was executed"@en ; rdfs:isDefinedBy . ins:canBeBoughtBack a owl:DatatypeProperty ; rdfs:label "canBeBoughtBack"@en ; rdfs:domain ins:Exclusion ; rdfs:range xsd:boolean ; skos:definition "Whether this exclusion can be removed by endorsement for additional premium"@en ; rdfs:isDefinedBy . ins:cancellationDescription a owl:DatatypeProperty ; rdfs:label "cancellationDescription"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Description text for the cancellation on an insurance policy."@en ; rdfs:isDefinedBy . ins:cancellationNoticeDays a owl:DatatypeProperty ; rdfs:label "cancellationNoticeDays"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:integer ; skos:definition "The contractually required number of days notice that must be given before a policy can be cancelled. Specified in the p"@en ; rdfs:isDefinedBy . ins:cancellationTypeCode a owl:DatatypeProperty ; rdfs:label "cancellationTypeCode"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Coded identifier of the cancellation type on an insurance policy."@en ; rdfs:isDefinedBy . ins:candidatesMatchedQuantity a owl:DatatypeProperty ; rdfs:label "candidatesMatchedQuantity"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Number of candidate matches found in D&B database"@en ; rdfs:isDefinedBy . ins:carrierCode a owl:DatatypeProperty ; rdfs:label "carrierCode"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Insurance carrier code"@en ; rdfs:isDefinedBy . pandc:cashFlowCommentary a owl:DatatypeProperty ; rdfs:label "cashFlowCommentary"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range xsd:string ; skos:definition "Free-text analyst commentary on cash flow. Source field: FinancialAnalysis.CashFlowComments."@en ; rdfs:isDefinedBy . pandc:catExposureScore a owl:DatatypeProperty ; rdfs:label "catExposureScore"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Composite catastrophe exposure score"@en ; rdfs:isDefinedBy . pandc:catModelingScore a owl:DatatypeProperty ; rdfs:label "catModelingScore"@en ; rdfs:domain pandc:RiskLocationPeril ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:catPremiumOnShare a owl:DatatypeProperty ; rdfs:label "catPremiumOnShare"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The catastrophe peril premium component attributable to Chubb's participation share of the risk, after applying Chubb's"@en ; rdfs:isDefinedBy . pandc:catSubLimitAggregateAmount a owl:DatatypeProperty ; rdfs:label "catSubLimitAggregateAmount"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Maximum total amount payable under this catastrophe sub-limit across all occurrences during the policy period (expressed"@en ; rdfs:isDefinedBy . pandc:catSubLimitOccurrenceAmount a owl:DatatypeProperty ; rdfs:label "catSubLimitOccurrenceAmount"@en ; rdfs:domain pandc:CatastropheSubLimitEntry ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Maximum amount payable under this catastrophe sub-limit for any single catastrophe occurrence (expressed in currency)."@en ; rdfs:isDefinedBy . ins:catastropheEventCode a owl:DatatypeProperty ; rdfs:label "catastropheEventCode"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "PCS or internal catastrophe event code"@en ; rdfs:isDefinedBy . pandc:catastropheOccupancyBand a owl:DatatypeProperty ; rdfs:label "catastropheOccupancyBand"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range xsd:string ; skos:definition "Banded occupancy classification used for catastrophe model rating"@en ; rdfs:isDefinedBy . pandc:catastrophePeril a owl:DatatypeProperty ; rdfs:label "catastrophePeril"@en ; rdfs:domain pandc:CATLoadFactor ; rdfs:range xsd:string ; skos:definition "The specific catastrophic peril this factor addresses"@en ; rdfs:isDefinedBy . pandc:catastrophePerilRate a owl:DatatypeProperty ; rdfs:label "catastrophePerilRate"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Rate per $100 of coverage for catastrophe perils"@en ; rdfs:isDefinedBy . pandc:catastropheZone a owl:DatatypeProperty ; rdfs:label "catastropheZone"@en ; rdfs:domain pandc:CATLoadFactor ; rdfs:range xsd:string ; skos:definition "The hazard zone designation"@en ; rdfs:isDefinedBy . pandc:categoryAdjustment a owl:DatatypeProperty ; rdfs:label "categoryAdjustment"@en ; rdfs:domain pandc:ScheduleRatingCategory ; rdfs:range xsd:decimal ; skos:definition "Percentage adjustment for this schedule category"@en ; rdfs:isDefinedBy . pandc:categoryJustification a owl:DatatypeProperty ; rdfs:label "categoryJustification"@en ; rdfs:domain pandc:ScheduleRatingCategory ; rdfs:range xsd:string ; skos:definition "Underwriter's written justification for the category adjustment"@en ; rdfs:isDefinedBy . ins:cededExpenseAmount a owl:DatatypeProperty ; rdfs:label "cededExpenseAmount"@en ; rdfs:domain ins:ReinsuranceClaim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Loss adjustment expense amount ceded to reinsurer"@en ; rdfs:isDefinedBy . ins:cededLossAmount a owl:DatatypeProperty ; rdfs:label "cededLossAmount"@en ; rdfs:domain ins:ReinsuranceClaim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Amount of loss ceded to reinsurer"@en ; rdfs:isDefinedBy . ins:cededPremium a owl:DatatypeProperty ; rdfs:label "cededPremium"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Premium paid by cedent to reinsurer"@en ; rdfs:isDefinedBy . ins:cessionPercentage a owl:DatatypeProperty ; rdfs:label "cessionPercentage"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Percentage of risk ceded (for quota share and proportional arrangements)"@en ; rdfs:isDefinedBy . pandc:changeTaxAmount a owl:DatatypeProperty ; rdfs:label "changeTaxAmount"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Change in tax amount"@en ; rdfs:isDefinedBy . pandc:chargeBasis a owl:DatatypeProperty ; rdfs:label "chargeBasis"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:string ; skos:definition "Charge basis for the exposure (Full Value - 100%, 75%, Infrastructure - 20%)"@en ; rdfs:isDefinedBy . ins:chubbCode a owl:DatatypeProperty ; rdfs:label "chubbCode"@en ; rdfs:domain ins:ChubbClassCode ; rdfs:range xsd:string ; skos:definition "Chubb-specific proprietary classification code"@en ; rdfs:isDefinedBy . pandc:city a owl:DatatypeProperty ; rdfs:label "city"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . ins:claimDescription a owl:DatatypeProperty ; rdfs:label "claimDescription"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Narrative description of the loss event"@en ; rdfs:isDefinedBy . ins:claimExpenseAmount a owl:DatatypeProperty ; rdfs:label "claimExpenseAmount"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Allocated loss adjustment expenses (ALAE)"@en ; rdfs:isDefinedBy . ins:claimNumber a owl:DatatypeProperty ; rdfs:label "claimNumber"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier assigned to the claim"@en ; rdfs:isDefinedBy . ins:claimPaidAmount a owl:DatatypeProperty ; rdfs:label "claimPaidAmount"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Total indemnity amount paid on the claim to date"@en ; rdfs:isDefinedBy . ins:claimReserve a owl:DatatypeProperty ; rdfs:label "claimReserve"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Outstanding indemnity reserve amount set aside for future claim payments"@en ; rdfs:isDefinedBy . ins:claimStatus a owl:DatatypeProperty ; rdfs:label "claimStatus"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Current status of the claim (e.g., Open, Closed, Reopened)"@en ; rdfs:isDefinedBy . ins:claimantName a owl:DatatypeProperty ; rdfs:label "claimantName"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; skos:definition "Name of the claimant who filed the loss claim"@en ; rdfs:isDefinedBy . pandc:claimsDeclaredOnProposal a owl:DatatypeProperty ; rdfs:label "claimsDeclaredOnProposal"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:string ; skos:definition "Free-text claims declaration from the EPL proposal. Source field: FLEPL.ClaimsProposed."@en ; rdfs:isDefinedBy . ins:claimsHistoryNarrative a owl:DatatypeProperty ; rdfs:label "claimsHistoryNarrative"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; skos:definition "Free-text claims history narrative on an ins:LossHistory. Source field: FLEPL.ClaimsDetails (gap: source is unstructured"@en ; rdfs:isDefinedBy . pandc:classCode a owl:DatatypeProperty ; rdfs:label "classCode"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "ISO or carrier-specific GL classification code"@en ; rdfs:isDefinedBy . pandc:classDescription a owl:DatatypeProperty ; rdfs:label "classDescription"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Free-text class description on an exposure. Domain extended (v10 RA): pandc:LiabilityExposure → adds pandc:MarineLiabili"@en ; rdfs:isDefinedBy . pandc:classRatePer1000 a owl:DatatypeProperty ; rdfs:label "classRatePer1000"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Base class rate per $1000 of exposure"@en ; rdfs:isDefinedBy . ins:classificationCode a owl:DatatypeProperty ; rdfs:label "classificationCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Classification pandc:ClassificationCode ) ] ; rdfs:range xsd:string ; skos:definition "Unique code identifying a classification within its system"@en ; rdfs:isDefinedBy . ins:classificationDescription a owl:DatatypeProperty ; rdfs:label "classificationDescription"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Classification pandc:ClassificationCode ) ] ; rdfs:range xsd:string ; skos:definition "Descriptive text explaining the scope and application of this classification"@en ; rdfs:isDefinedBy . pandc:classificationSociety a owl:DatatypeProperty ; rdfs:label "classificationSociety"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel classification society (Lloyd's Register, Bureau Veritas, DNV GL, etc.). RATING VARIABLE. Source field: VesselCla"@en ; rdfs:isDefinedBy . ins:classificationVersionId a owl:DatatypeProperty ; rdfs:label "classificationVersionId"@en ; rdfs:domain ins:ClassificationVersion ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . pandc:clauseCode a owl:DatatypeProperty ; rdfs:label "clauseCode"@en ; rdfs:domain pandc:PolicyClause ; rdfs:range xsd:string ; skos:definition "Unique identifier code for a named insuring clause NI (e.g. '1.A', '1.B', '2.21'). Analogous to pandc:coverageCode on Co"@en ; rdfs:isDefinedBy . ins:coInsuranceIndicator a owl:DatatypeProperty ; rdfs:label "coInsuranceIndicator"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Indicator denoting that a coinsurance clause is in effect on the quote, requiring the insured to carry insurance equal t"@en ; rdfs:isDefinedBy . pandc:coinsurancePenalty a owl:DatatypeProperty ; rdfs:label "coinsurancePenalty"@en ; rdfs:domain pandc:CoinsuranceProvision ; rdfs:range xsd:decimal ; skos:definition "The calculated penalty when insurance is inadequate"@en ; rdfs:isDefinedBy . pandc:coinsurancePercentage a owl:DatatypeProperty ; rdfs:label "coinsurancePercentage"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Required insurance-to-value percentage"@en ; rdfs:isDefinedBy . pandc:coinsurancePercentageRating a owl:DatatypeProperty ; rdfs:label "coinsurancePercentageRating"@en ; rdfs:domain pandc:CoinsuranceProvision ; rdfs:range xsd:decimal ; skos:definition "The required insurance-to-value percentage"@en ; rdfs:isDefinedBy . pandc:coinsuranceProvisionId a owl:DatatypeProperty ; rdfs:label "coinsuranceProvisionId"@en ; rdfs:domain pandc:CoinsuranceProvision ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . ra:collectionMethod a owl:DatatypeProperty ; rdfs:label "collectionMethod"@en ; rdfs:domain ra:RiskObservation ; rdfs:range xsd:string ; skos:definition "How data was collected (on-site, remote, API feed, manual entry)"@en ; rdfs:isDefinedBy . ins:commentOnBusinessOperations a owl:DatatypeProperty ; rdfs:label "commentOnBusinessOperations"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:string ; skos:definition "UW narrative on business operations. Source field: BusinessInformation.CommentOnBusiness."@en ; rdfs:isDefinedBy . ins:commentOnOwnershipStructure a owl:DatatypeProperty ; rdfs:label "commentOnOwnershipStructure"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:string ; skos:definition "UW narrative on group/ownership structure. Distinct from ins:businessDescription. Source field: BusinessInformation.Comm"@en ; rdfs:isDefinedBy . ins:commentOnRecentMediaCoverage a owl:DatatypeProperty ; rdfs:label "commentOnRecentMediaCoverage"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:string ; skos:definition "UW narrative on recent press. Source field: BusinessInformation.CommentOnRecentPress."@en ; rdfs:isDefinedBy . ins:commentOnUSExposure a owl:DatatypeProperty ; rdfs:label "commentOnUSExposure"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:string ; skos:definition "UW narrative on US claims-jurisdiction exposure. Source field: BusinessInformation.CommentOnUSExposure."@en ; rdfs:isDefinedBy . pandc:commercialPropertyterritoryCode a owl:DatatypeProperty ; rdfs:label "commercialPropertyterritoryCode"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:string ; skos:definition "ISO Commercial Property rating territory code assigned to the risk location, derived from address / ZIP code and Public"@en ; rdfs:isDefinedBy . ins:commissionRate a owl:DatatypeProperty ; rdfs:label "commissionRate"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:decimal ; skos:definition "Commission rate as percentage"@en ; rdfs:isDefinedBy . ins:commodityType a owl:DatatypeProperty ; rdfs:label "commodityType"@en ; rdfs:domain ins:Exposure ; rdfs:range xsd:string ; skos:definition "Free-text commodity description on an Exposure. Open-world string (too many global values for a closed NI enum). Source"@en ; rdfs:isDefinedBy . ins:complianceDeadline a owl:DatatypeProperty ; rdfs:label "complianceDeadline"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Deadline for compliance with this condition"@en ; rdfs:isDefinedBy . ins:complianceRequired a owl:DatatypeProperty ; rdfs:label "complianceRequired"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:boolean ; skos:definition "Whether compliance with this condition is mandatory"@en ; rdfs:isDefinedBy . pandc:componentAmount a owl:DatatypeProperty ; rdfs:label "componentAmount"@en ; rdfs:domain pandc:PremiumComponent ; rdfs:range xsd:decimal ; skos:definition "The monetary amount of this premium component"@en ; rdfs:isDefinedBy . pandc:componentDescription a owl:DatatypeProperty ; rdfs:label "componentDescription"@en ; rdfs:domain pandc:PremiumComponent ; rdfs:range xsd:string ; skos:definition "Descriptive explanation of this component"@en ; rdfs:isDefinedBy . pandc:componentType a owl:DatatypeProperty ; rdfs:label "componentType"@en ; rdfs:domain pandc:PremiumComponent ; rdfs:range xsd:string ; skos:definition "Classification of premium component"@en ; rdfs:isDefinedBy . ins:conditionCode a owl:DatatypeProperty ; rdfs:label "conditionCode"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:string ; skos:definition "Standard code for this condition"@en ; rdfs:isDefinedBy . ins:conditionDescription a owl:DatatypeProperty ; rdfs:label "conditionDescription"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Condition pandc:ConditionalRequirement ) ] ; rdfs:range xsd:string ; skos:definition "Detailed description of the condition"@en ; rdfs:isDefinedBy . ins:conditionId a owl:DatatypeProperty ; rdfs:label "conditionId"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:string ; skos:definition "Unique identifier for this condition"@en ; rdfs:isDefinedBy . ins:conditionPrecedent a owl:DatatypeProperty ; rdfs:label "conditionPrecedent"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:boolean ; skos:definition "Whether this is a condition precedent to coverage"@en ; rdfs:isDefinedBy . ins:conditionTitle a owl:DatatypeProperty ; rdfs:label "conditionTitle"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:string ; skos:definition "Title of the policy condition"@en ; rdfs:isDefinedBy . pandc:conditionalRequirementId a owl:DatatypeProperty ; rdfs:label "conditionalRequirementId"@en ; rdfs:domain pandc:ConditionalRequirement ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key. Uniquely identifies this conditional requirement in the product file."@en ; rdfs:isDefinedBy . ra:confidence a owl:DatatypeProperty ; rdfs:label "confidence"@en ; rdfs:domain ra:RiskObservation ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Confidence level (0.0 to 1.0)"@en ; rdfs:isDefinedBy . ins:consolidatedAnnualRevenue a owl:DatatypeProperty ; rdfs:label "consolidatedAnnualRevenue"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Consolidated annual revenue for the entire corporate group including parent and all subsidiaries"@en ; rdfs:isDefinedBy . pandc:constructionDescription a owl:DatatypeProperty ; rdfs:label "constructionDescription"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Narrative description of the building construction"@en ; rdfs:isDefinedBy . pandc:constructionMaterial a owl:DatatypeProperty ; rdfs:label "constructionMaterial"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Construction material of vessel (e.g. steel, aluminium, GRP). RATING VARIABLE. Source field: Construction (field 166). D"@en ; rdfs:isDefinedBy . ins:contactExtension a owl:DatatypeProperty ; rdfs:label "contactExtension"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; skos:definition "Phone extension number"@en ; rdfs:isDefinedBy . ins:contactSubtype a owl:DatatypeProperty ; rdfs:label "contactSubtype"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Contact subtype (PRIMARY, SECONDARY, WORK, HOME, EMERGENCY)"@en ; rdfs:isDefinedBy . ins:contactType a owl:DatatypeProperty ; rdfs:label "contactType"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Type of contact (PHONE, EMAIL, FAX, MOBILE)"@en ; rdfs:isDefinedBy . ins:contactValue a owl:DatatypeProperty ; rdfs:label "contactValue"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "The actual contact information (phone number, email address, etc.)"@en ; rdfs:isDefinedBy . pandc:contentsDeductible a owl:DatatypeProperty ; rdfs:label "contentsDeductible"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:contentsLimit a owl:DatatypeProperty ; rdfs:label "contentsLimit"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:contentsReplacementCost a owl:DatatypeProperty ; rdfs:label "contentsReplacementCost"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "Cost to replace building contents"@en ; rdfs:isDefinedBy . pandc:contentsValue a owl:DatatypeProperty ; rdfs:label "contentsValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Value of business personal property (contents, inventory, equipment)"@en ; rdfs:isDefinedBy . pandc:contentsValuePercentage a owl:DatatypeProperty ; rdfs:label "contentsValuePercentage"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Percentage of the total estimated contents, business personal property, and stock value advised by the insured allocated"@en ; rdfs:isDefinedBy . ins:contextId a owl:DatatypeProperty ; rdfs:label "contextId"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:string ; skos:definition "Reference ID for role context (policy term, claim, etc.)"@en ; rdfs:isDefinedBy . pandc:continuousCoverageInceptionDate a owl:DatatypeProperty ; rdfs:label "continuousCoverageInceptionDate"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Per-coverage continuous-cover inception date. Source field: FLDO.DateOfContinuousCover."@en ; rdfs:isDefinedBy . pandc:contractorName a owl:DatatypeProperty ; rdfs:label "contractorName"@en ; rdfs:domain pandc:BuildingSystemUpdate ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:contractualLiabilityFlag a owl:DatatypeProperty ; rdfs:label "contractualLiabilityFlag"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Whether contractual liability exposure exists"@en ; rdfs:isDefinedBy . pandc:controlAssessmentLevel a owl:DatatypeProperty ; rdfs:label "controlAssessmentLevel"@en ; rdfs:domain pandc:CyberSecurityControl ; rdfs:range xsd:string ; skos:definition "The qualitative rating value of an assessed cyber security control (e.g. 'Full Encryption', 'Daily', 'Yes', 'Average or"@en ; rdfs:isDefinedBy . pandc:controlMeasures a owl:DatatypeProperty ; rdfs:label "controlMeasures"@en ; rdfs:domain pandc:GLHazard ; rdfs:range xsd:string ; skos:definition "Risk control measures in place"@en ; rdfs:isDefinedBy . ins:conversionRate a owl:DatatypeProperty ; rdfs:label "conversionRate"@en ; rdfs:domain ins:ForeignExchangeRate ; rdfs:range xsd:decimal ; skos:definition "The multiplier applied to convert an amount from localCurrencyCode to targetCurrencyCode."@en ; rdfs:isDefinedBy . ins:countryCode a owl:DatatypeProperty ; rdfs:label "countryCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Country ins:PartyAddress ) ] ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "ISO alpha-2 country code identifying an ins:Country instance (e.g. GB, DE, US)."@en ; rdfs:isDefinedBy . ins:countryName a owl:DatatypeProperty ; rdfs:label "countryName"@en ; rdfs:domain ins:Country ; rdfs:range xsd:string ; skos:definition "Human-readable name of an ins:Country instance (e.g. United Kingdom, Germany)."@en ; rdfs:isDefinedBy . pandc:countyCode a owl:DatatypeProperty ; rdfs:label "countyCode"@en ; rdfs:domain pandc:TerritoryMapping ; rdfs:range xsd:string ; skos:definition "The county FIPS code associated with the territory mapping"@en ; rdfs:isDefinedBy . pandc:countyFIPS a owl:DatatypeProperty ; rdfs:label "countyFIPS"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . ins:countyName a owl:DatatypeProperty ; rdfs:label "countyName"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:PartyAddress pandc:StandardizedAddress ) ] ; rdfs:range xsd:string ; skos:definition "County or administrative division"@en ; rdfs:isDefinedBy . pandc:coverageCategory a owl:DatatypeProperty ; rdfs:label "coverageCategory"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:string ; skos:definition "Functional grouping of related coverages"@en ; rdfs:isDefinedBy . pandc:coverageCode a owl:DatatypeProperty ; rdfs:label "coverageCode"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique code identifying coverage type"@en ; rdfs:isDefinedBy . pandc:coverageDescription a owl:DatatypeProperty ; rdfs:label "coverageDescription"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:string ; skos:definition "Detailed description of what coverage protects against"@en ; rdfs:isDefinedBy . pandc:coverageName a owl:DatatypeProperty ; rdfs:label "coverageName"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:string ; skos:definition "Full descriptive name of coverage"@en ; rdfs:isDefinedBy . pandc:createdAt a owl:DatatypeProperty ; rdfs:label "createdAt"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:dateTime ; skos:definition "Timestamp when entity was created"@en ; rdfs:isDefinedBy . ins:createdBy a owl:DatatypeProperty ; rdfs:label "createdBy"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:Product ) ] ; rdfs:range xsd:string ; skos:definition "User or system identifier that created the quote record"@en ; rdfs:isDefinedBy . ins:createdDate a owl:DatatypeProperty ; rdfs:label "createdDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; skos:definition "Timestamp when the quote record was initially created"@en ; rdfs:isDefinedBy . pandc:creditRatioCommentary a owl:DatatypeProperty ; rdfs:label "creditRatioCommentary"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range xsd:string ; skos:definition "Free-text analyst commentary on credit ratios. Source field: FinancialAnalysis.CreditRatioComments."@en ; rdfs:isDefinedBy . ins:creditScore a owl:DatatypeProperty ; rdfs:label "creditScore"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:integer ; skos:definition "Credit rating score"@en ; rdfs:isDefinedBy . ins:customerTenureYears a owl:DatatypeProperty ; rdfs:label "customerTenureYears"@en ; rdfs:domain ins:Party ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Number of years the party has been a customer, calculated as years between firstPolicyInceptionDate and current date"@en ; rdfs:isDefinedBy . pandc:dataCompleteness a owl:DatatypeProperty ; rdfs:label "dataCompleteness"@en ; rdfs:domain pandc:DataQualityIndicator ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:dataQualityIndicatorId a owl:DatatypeProperty ; rdfs:label "dataQualityIndicatorId"@en ; rdfs:domain pandc:DataQualityIndicator ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . ins:dataQualityScore a owl:DatatypeProperty ; rdfs:label "dataQualityScore"@en ; rdfs:domain ins:Party ; rdfs:range xsd:integer ; skos:definition "Data quality score from 0-100"@en ; rdfs:isDefinedBy . pandc:dataVerificationDate a owl:DatatypeProperty ; rdfs:label "dataVerificationDate"@en ; rdfs:domain pandc:DataQualityIndicator ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; rdfs:isDefinedBy . ins:dateClosed a owl:DatatypeProperty ; rdfs:label "dateClosed"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date the claim was closed or settled"@en ; rdfs:isDefinedBy . ins:dateOfBirth a owl:DatatypeProperty ; rdfs:label "dateOfBirth"@en ; rdfs:domain ins:Person ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Person's date of birth"@en ; rdfs:isDefinedBy . ins:dateOfLoss a owl:DatatypeProperty ; rdfs:label "dateOfLoss"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date on which the loss or occurrence took place"@en ; rdfs:isDefinedBy . ins:dateOpened a owl:DatatypeProperty ; rdfs:label "dateOpened"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date the claim was formally opened for investigation"@en ; rdfs:isDefinedBy . ins:dateReported a owl:DatatypeProperty ; rdfs:label "dateReported"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date the claim was first reported (first notice of loss)"@en ; rdfs:isDefinedBy . ins:daysToCancel a owl:DatatypeProperty ; rdfs:label "daysToCancel"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range xsd:integer ; skos:definition "Notice period in days required before cancellation takes effect."@en ; rdfs:isDefinedBy . ins:daysToStrikesCancel a owl:DatatypeProperty ; rdfs:label "daysToStrikesCancel"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range xsd:integer ; skos:definition "Notice period in days for strikes-clause cancellation (London marine market term)."@en ; rdfs:isDefinedBy . ins:daysToWarCancel a owl:DatatypeProperty ; rdfs:label "daysToWarCancel"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range xsd:integer ; skos:definition "Notice period in days for war-clause cancellation (marine/aviation market term)."@en ; rdfs:isDefinedBy . pandc:deadweightTonnage a owl:DatatypeProperty ; rdfs:label "deadweightTonnage"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:decimal ; skos:definition "Vessel deadweight tonnage (DWT). RATING VARIABLE for cargo vessels. Source field: DeadWeight (field 173). Decision: NW."@en ; rdfs:isDefinedBy . pandc:declarationDate a owl:DatatypeProperty ; rdfs:label "declarationDate"@en ; rdfs:domain pandc:TaxDeclaration ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "The date the compliance declaration was received (xsd:date). Cardinality 0..1 on pandc:TaxDeclaration. Decision §2.3 (FI"@en ; rdfs:isDefinedBy . ins:declineComment a owl:DatatypeProperty ; rdfs:label "declineComment"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Additional commentary on the decline decision"@en ; rdfs:isDefinedBy . ins:declineReason a owl:DatatypeProperty ; rdfs:label "declineReason"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Reason for declining the submission or quote"@en ; rdfs:isDefinedBy . ins:deductibleAmount a owl:DatatypeProperty ; rdfs:label "deductibleAmount"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Deductible pandc:DeductibleOption ) ] ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Deductible value (dollar amount or percentage)"@en ; rdfs:isDefinedBy . ins:deductibleAppliesTo a owl:DatatypeProperty ; rdfs:label "deductibleAppliesTo"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:string ; skos:definition "What the deductible applies to"@en ; rdfs:isDefinedBy . ins:deductibleBasis a owl:DatatypeProperty ; rdfs:label "deductibleBasis"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:string ; skos:definition "Basis for deductible calculation"@en ; rdfs:isDefinedBy . ins:deductibleId a owl:DatatypeProperty ; rdfs:label "deductibleId"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:string ; skos:definition "Unique identifier for this deductible"@en ; rdfs:isDefinedBy . ins:deductiblePercentage a owl:DatatypeProperty ; rdfs:label "deductiblePercentage"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Deductible pandc:DeductibleProvision ) ] ; rdfs:range xsd:decimal ; skos:definition "Deductible as percentage of insured value or loss"@en ; rdfs:isDefinedBy . pandc:deductibleTypeCode a owl:DatatypeProperty ; rdfs:label "deductibleTypeCode"@en ; rdfs:domain pandc:DeductibleProvision ; rdfs:range xsd:string ; skos:definition "Type of deductible calculation"@en ; rdfs:isDefinedBy . pandc:deductionAmount a owl:DatatypeProperty ; rdfs:label "deductionAmount"@en ; rdfs:domain pandc:Deduction ; rdfs:range xsd:decimal ; skos:definition "Flat monetary amount of a premium deduction."@en ; rdfs:isDefinedBy . pandc:deductionPercentage a owl:DatatypeProperty ; rdfs:label "deductionPercentage"@en ; rdfs:domain pandc:Deduction ; rdfs:range xsd:decimal ; skos:definition "Percentage rate of a premium deduction."@en ; rdfs:isDefinedBy . pandc:deductionType a owl:DatatypeProperty ; rdfs:label "deductionType"@en ; rdfs:domain pandc:Deduction ; rdfs:range xsd:string ; skos:definition "Coded type discriminator on a Deduction (broker commission, agent commission, tax, etc.)."@en ; rdfs:isDefinedBy . pandc:defaultAggregateLimit a owl:DatatypeProperty ; rdfs:label "defaultAggregateLimit"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Default total policy period limit"@en ; rdfs:isDefinedBy . pandc:defaultCoverageCode a owl:DatatypeProperty ; rdfs:label "defaultCoverageCode"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:string ; skos:definition "Standard coverage code identifier for a coverage class"@en ; rdfs:isDefinedBy . pandc:defaultDeductible a owl:DatatypeProperty ; rdfs:label "defaultDeductible"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Default deductible amount for coverage"@en ; rdfs:isDefinedBy . pandc:defaultPerOccurrenceLimit a owl:DatatypeProperty ; rdfs:label "defaultPerOccurrenceLimit"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Default limit per covered occurrence"@en ; rdfs:isDefinedBy . pandc:defensibleSpace a owl:DatatypeProperty ; rdfs:label "defensibleSpace"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range xsd:integer ; skos:definition "Defensible space clearance distance in feet"@en ; rdfs:isDefinedBy . ins:deliverabilityStatus a owl:DatatypeProperty ; rdfs:label "deliverabilityStatus"@en ; rdfs:domain ins:AddressValidation ; rdfs:range xsd:string ; skos:definition "USPS or postal service deliverability status"@en ; rdfs:isDefinedBy . ins:deliveryInstructions a owl:DatatypeProperty ; rdfs:label "deliveryInstructions"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; skos:definition "Special delivery instructions"@en ; rdfs:isDefinedBy . pandc:deliveryPointBarcode a owl:DatatypeProperty ; rdfs:label "deliveryPointBarcode"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key (US). USPS DPBC - unique postal identifier assigned by CASS certification."@en ; rdfs:isDefinedBy . ins:department a owl:DatatypeProperty ; rdfs:label "department"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Department or division"@en ; rdfs:isDefinedBy . pandc:dependencyFactor a owl:DatatypeProperty ; rdfs:label "dependencyFactor"@en ; rdfs:domain pandc:DependentPremium ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The multiplicative factor or percentage applied to the base premium"@en ; rdfs:isDefinedBy . pandc:dependentPremisesIndicator a owl:DatatypeProperty ; rdfs:label "dependentPremisesIndicator"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:string ; skos:definition "Indicator denoting that the risk location is a dependent premises: a location whose physical loss or damage would cause"@en ; rdfs:isDefinedBy . pandc:depositaryReceiptRegisteredInUSAIndicator a owl:DatatypeProperty ; rdfs:label "depositaryReceiptRegisteredInUSAIndicator"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean: a Depositary Receipt is listed on a US exchange. Source field: FLDO.DRRegisteredExchangeInUSA."@en ; rdfs:isDefinedBy . pandc:designWindSpeed a owl:DatatypeProperty ; rdfs:label "designWindSpeed"@en ; rdfs:domain pandc:WindAssessment ; rdfs:range xsd:decimal ; skos:definition "Design wind speed in mph"@en ; rdfs:isDefinedBy . pandc:discoveryPeriodPremiumQualifier a owl:DatatypeProperty ; rdfs:label "discoveryPeriodPremiumQualifier"@en ; rdfs:domain pandc:ExtendedReportingPeriodOffer ; rdfs:range xsd:string ; skos:definition "Free-text qualifier on the ERP premium rate. Source fields: FLDO.DiscoverPeriodPremiumChar / DiscoverPeriodBPremiumChar."@en ; rdfs:isDefinedBy . pandc:discriminationPolicyPresent a owl:DatatypeProperty ; rdfs:label "discriminationPolicyPresent"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: anti-discrimination policy exists. Source field: FLEPL.Discrimination (Q-HR-4)."@en ; rdfs:isDefinedBy . pandc:dismissalProceduresPresent a owl:DatatypeProperty ; rdfs:label "dismissalProceduresPresent"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: documented dismissal procedures exist. Source field: FLEPL.DismissalProcedures (Q-HR-5)."@en ; rdfs:isDefinedBy . pandc:displayOrder a owl:DatatypeProperty ; rdfs:label "displayOrder"@en ; rdfs:domain pandc:DeductibleOption ; rdfs:range xsd:integer ; skos:definition "Sequence order for UI presentation"@en ; rdfs:isDefinedBy . pandc:distanceToCoast a owl:DatatypeProperty ; rdfs:label "distanceToCoast"@en ; rdfs:domain pandc:CoastalZoneAssessment ; rdfs:range xsd:decimal ; skos:definition "Distance to nearest coastline in miles"@en ; rdfs:isDefinedBy . pandc:distanceToFireStation a owl:DatatypeProperty ; rdfs:label "distanceToFireStation"@en ; rdfs:domain pandc:PublicProtectionClass ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:distanceToHydrant a owl:DatatypeProperty ; rdfs:label "distanceToHydrant"@en ; rdfs:domain pandc:PublicProtectionClass ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:distanceToTargetRisk a owl:DatatypeProperty ; rdfs:label "distanceToTargetRisk"@en ; rdfs:domain pandc:TerrorismAssessment ; rdfs:range xsd:decimal ; skos:definition "Distance to nearest terrorism target in miles"@en ; rdfs:isDefinedBy . pandc:distanceToWater a owl:DatatypeProperty ; rdfs:label "distanceToWater"@en ; rdfs:domain pandc:FloodAssessment ; rdfs:range xsd:decimal ; skos:definition "Distance to nearest water body in feet"@en ; rdfs:isDefinedBy . pandc:divisor a owl:DatatypeProperty ; rdfs:label "divisor"@en ; rdfs:domain pandc:ExposureUnit ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The divisor to apply to exposure values for rate calculation"@en ; rdfs:isDefinedBy . ins:dnbRating a owl:DatatypeProperty ; rdfs:label "dnbRating"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "D&B credit rating reflecting financial stability"@en ; rdfs:isDefinedBy . ins:dnbRatingDescription a owl:DatatypeProperty ; rdfs:label "dnbRatingDescription"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "Textual explanation of the D&B rating"@en ; rdfs:isDefinedBy . ins:dnbReviewDate a owl:DatatypeProperty ; rdfs:label "dnbReviewDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when D&B rating was last reviewed or updated"@en ; rdfs:isDefinedBy . ins:doNotContact a owl:DatatypeProperty ; rdfs:label "doNotContact"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:boolean ; skos:definition "Flag indicating not to use this contact method"@en ; rdfs:isDefinedBy . ins:doNotContactReason a owl:DatatypeProperty ; rdfs:label "doNotContactReason"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; skos:definition "Reason for do not contact flag"@en ; rdfs:isDefinedBy . ins:documentDate a owl:DatatypeProperty ; rdfs:label "documentDate"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date the document was originally created or issued, as distinct from the upload date"@en ; rdfs:isDefinedBy . ins:documentSource a owl:DatatypeProperty ; rdfs:label "documentSource"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:string ; skos:definition "Origin system or channel from which the document was received (e.g., broker portal, email extraction)"@en ; rdfs:isDefinedBy . ins:doingBusinessAs a owl:DatatypeProperty ; rdfs:label "doingBusinessAs"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "DBA or trade name"@en ; rdfs:isDefinedBy . ins:dunsNumber a owl:DatatypeProperty ; rdfs:label "dunsNumber"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Dun & Bradstreet number (9 digits)"@en ; rdfs:isDefinedBy . pandc:eachOccurrenceLimit a owl:DatatypeProperty ; rdfs:label "eachOccurrenceLimit"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Per occurrence coverage limit"@en ; rdfs:isDefinedBy . pandc:earthquakeDeductiblePercentage a owl:DatatypeProperty ; rdfs:label "earthquakeDeductiblePercentage"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:earthquakeZone a owl:DatatypeProperty ; rdfs:label "earthquakeZone"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:string ; skos:definition "Seismic zone classification for earthquake exposure"@en ; rdfs:isDefinedBy . ins:effectiveDate a owl:DatatypeProperty ; rdfs:label "effectiveDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:PartyAddress pandc:RiskLocation ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date when address becomes effective"@en ; rdfs:isDefinedBy . pandc:electricalReplacementYear a owl:DatatypeProperty ; rdfs:label "electricalReplacementYear"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Year electrical systems were last replaced"@en ; rdfs:isDefinedBy . pandc:eligibilityStatus a owl:DatatypeProperty ; rdfs:label "eligibilityStatus"@en ; rdfs:domain pandc:EligibilityRule ; rdfs:range xsd:string ; skos:definition "Classification of industry eligibility"@en ; rdfs:isDefinedBy . pandc:eligibleInState a owl:DatatypeProperty ; rdfs:label "eligibleInState"@en ; rdfs:domain pandc:RatingModifier ; rdfs:range xsd:string ; skos:definition "Two-letter state code where this modifier type is approved for use"@en ; rdfs:isDefinedBy . pandc:employeeAppraisalsConducted a owl:DatatypeProperty ; rdfs:label "employeeAppraisalsConducted"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: employee appraisals are conducted. Source field: FLEPL.EmpAppraisals (Q-HR-6)."@en ; rdfs:isDefinedBy . pandc:employeeCount a owl:DatatypeProperty ; rdfs:label "employeeCount"@en ; rdfs:domain pandc:RegionalEmployeeCount ; rdfs:range xsd:integer ; skos:definition "Employee headcount in a region or jurisdiction. Used on RegionalEmployeeCount instances for state levy headcount mode. S"@en ; rdfs:isDefinedBy . pandc:employeeCountInBand a owl:DatatypeProperty ; rdfs:label "employeeCountInBand"@en ; rdfs:domain pandc:SalaryBandEmployeeCount ; rdfs:range xsd:integer ; skos:definition "Number of employees within a salary band on a SalaryBandEmployeeCount instance."@en ; rdfs:isDefinedBy . pandc:employeePolicyDocumentationPresent a owl:DatatypeProperty ; rdfs:label "employeePolicyDocumentationPresent"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: employee policy/procedure documentation exists. Source field: FLEPL.EmpPolicyProcedure (Q-HR-8)."@en ; rdfs:isDefinedBy . ins:employmentStartDate a owl:DatatypeProperty ; rdfs:label "employmentStartDate"@en ; rdfs:domain ins:Person ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date employment began"@en ; rdfs:isDefinedBy . ins:endorsementDescription a owl:DatatypeProperty ; rdfs:label "endorsementDescription"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:string ; skos:definition "Detailed description of the endorsement"@en ; rdfs:isDefinedBy . ins:endorsementEffectiveDate a owl:DatatypeProperty ; rdfs:label "endorsementEffectiveDate"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date endorsement becomes effective"@en ; rdfs:isDefinedBy . ins:endorsementId a owl:DatatypeProperty ; rdfs:label "endorsementId"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:string ; skos:definition "Unique identifier for this endorsement"@en ; rdfs:isDefinedBy . ins:endorsementNumber a owl:DatatypeProperty ; rdfs:label "endorsementNumber"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique endorsement identifier"@en ; rdfs:isDefinedBy . ins:endorsementPremium a owl:DatatypeProperty ; rdfs:label "endorsementPremium"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:decimal ; skos:definition "Additional premium for this endorsement"@en ; rdfs:isDefinedBy . ins:endorsementTitle a owl:DatatypeProperty ; rdfs:label "endorsementTitle"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:string ; skos:definition "Title of the endorsement"@en ; rdfs:isDefinedBy . pandc:engineDetails a owl:DatatypeProperty ; rdfs:label "engineDetails"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Engine details / make-model description (small craft). Source field: MakeModelEngine (field 180). Decision: NW."@en ; rdfs:isDefinedBy . pandc:ensuingFirePremium a owl:DatatypeProperty ; rdfs:label "ensuingFirePremium"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Premium component for fire damage resulting from terrorism event"@en ; rdfs:isDefinedBy . pandc:environmentalScore a owl:DatatypeProperty ; rdfs:label "environmentalScore"@en ; rdfs:domain pandc:EnvironmentalRiskAssessment ; rdfs:range xsd:integer ; rdfs:isDefinedBy . pandc:epDeclaredValue a owl:DatatypeProperty ; rdfs:label "epDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for Equipment & Property (E&P)."@en ; rdfs:isDefinedBy . pandc:eplCoverageEffectiveDate a owl:DatatypeProperty ; rdfs:label "eplCoverageEffectiveDate"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Independent effective date for the EPL LineLevelCoverage. Source field: FLDO.EplDate."@en ; rdfs:isDefinedBy . pandc:eplNotApplicableIndicator a owl:DatatypeProperty ; rdfs:label "eplNotApplicableIndicator"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating the EPL extension is not applicable to this policy. Source field: FLDO.EPLNA."@en ; rdfs:isDefinedBy . pandc:eplThirdPartyEffectiveDate a owl:DatatypeProperty ; rdfs:label "eplThirdPartyEffectiveDate"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Separate effective date for the EPL third-party liability sub-extension. Source field: FLDO.EplThirdPartyLiabilityDate."@en ; rdfs:isDefinedBy . pandc:equipmentBreakdownValue a owl:DatatypeProperty ; rdfs:label "equipmentBreakdownValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Value of equipment subject to mechanical/electrical breakdown"@en ; rdfs:isDefinedBy . ins:estimatedRevenue a owl:DatatypeProperty ; rdfs:label "estimatedRevenue"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Boolean flag indicating revenue figures are estimated rather than verified from financial statements"@en ; rdfs:isDefinedBy . ins:exclusionCode a owl:DatatypeProperty ; rdfs:label "exclusionCode"@en ; rdfs:domain ins:Exclusion ; rdfs:range xsd:string ; skos:definition "Standard code for this exclusion"@en ; rdfs:isDefinedBy . ins:exclusionDescription a owl:DatatypeProperty ; rdfs:label "exclusionDescription"@en ; rdfs:domain ins:Exclusion ; rdfs:range xsd:string ; skos:definition "Detailed description of the exclusion"@en ; rdfs:isDefinedBy . ins:exclusionId a owl:DatatypeProperty ; rdfs:label "exclusionId"@en ; rdfs:domain ins:Exclusion ; rdfs:range xsd:string ; skos:definition "Unique identifier for this exclusion"@en ; rdfs:isDefinedBy . ins:exclusionTitle a owl:DatatypeProperty ; rdfs:label "exclusionTitle"@en ; rdfs:domain ins:Exclusion ; rdfs:range xsd:string ; skos:definition "Title of the exclusion"@en ; rdfs:isDefinedBy . pandc:expectedLossRatio a owl:DatatypeProperty ; rdfs:label "expectedLossRatio"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Ground-up expected loss ratio (GELR) — gross-basis actuarial model output (e.g. 54.07). Source field: GELR."@en ; rdfs:isDefinedBy . pandc:expectedLosses a owl:DatatypeProperty ; rdfs:label "expectedLosses"@en ; rdfs:domain pandc:ExperienceModificationFactor ; rdfs:range xsd:decimal ; skos:definition "Actuarially expected losses based on classification and exposure"@en ; rdfs:isDefinedBy . pandc:expenseLoadFactor a owl:DatatypeProperty ; rdfs:label "expenseLoadFactor"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Multiplicative factor for fixed and variable expenses including commissions, taxes, administrative costs"@en ; rdfs:isDefinedBy . pandc:expenseRatio a owl:DatatypeProperty ; rdfs:label "expenseRatio"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Expense loading as a proportion of gross premium (e.g. 0.14 = 14%) — the expense component of the gross-factor (GF) deco"@en ; rdfs:isDefinedBy . ins:expenseReserve a owl:DatatypeProperty ; rdfs:label "expenseReserve"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Outstanding reserve for anticipated loss adjustment expenses"@en ; rdfs:isDefinedBy . ins:expensesPaid a owl:DatatypeProperty ; rdfs:label "expensesPaid"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Total loss adjustment expenses paid on the claim (legal, investigation, etc.)"@en ; rdfs:isDefinedBy . pandc:experienceModification a owl:DatatypeProperty ; rdfs:label "experienceModification"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Experience modification factor based on loss history"@en ; rdfs:isDefinedBy . pandc:experienceModifier a owl:DatatypeProperty ; rdfs:label "experienceModifier"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Experience modification factor based on loss history"@en ; rdfs:isDefinedBy . pandc:experiencePeriod a owl:DatatypeProperty ; rdfs:label "experiencePeriod"@en ; rdfs:domain pandc:ExperienceModificationFactor ; rdfs:range xsd:string ; skos:definition "The historical period over which losses were evaluated"@en ; rdfs:isDefinedBy . ins:expirationDate a owl:DatatypeProperty ; rdfs:label "expirationDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:PartyAddress pandc:RiskLocation ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date when address expires or is no longer valid"@en ; rdfs:isDefinedBy . pandc:expiringByPerilIndicator a owl:DatatypeProperty ; rdfs:label "expiringByPerilIndicator"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:string ; skos:definition "Indicator denoting that the expiring (prior-term) policy applied by-peril rating treatment at the risk location; used to"@en ; rdfs:isDefinedBy . pandc:exposureAdjustedMechanicalRateChange a owl:DatatypeProperty ; rdfs:label "exposureAdjustedMechanicalRateChange"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Gross mechanical rate change adjusted for exposure movements"@en ; rdfs:isDefinedBy . pandc:exposureAmount a owl:DatatypeProperty ; rdfs:label "exposureAmount"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:HazardScheduleItem pandc:LiabilityExposure ) ] ; rdfs:range xsd:decimal ; skos:definition "Quantity of exposure units for this hazard classification"@en ; rdfs:isDefinedBy . pandc:exposureId a owl:DatatypeProperty ; rdfs:label "exposureId"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the property exposure"@en ; rdfs:isDefinedBy . pandc:exposureValue a owl:DatatypeProperty ; rdfs:label "exposureValue"@en ; rdfs:domain pandc:ExposureAmount ; rdfs:range xsd:decimal ; skos:definition "The numeric exposure quantity"@en ; rdfs:isDefinedBy . ins:extendedAttributes a owl:DatatypeProperty ; rdfs:label "extendedAttributes"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; skos:definition "JSON structure for flexible attributes"@en ; rdfs:isDefinedBy . ins:extendedPeriod a owl:DatatypeProperty ; rdfs:label "extendedPeriod"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:string ; skos:definition "Extended period (typically expressed in days) added to the standard time-element deductible / waiting period before the"@en ; rdfs:isDefinedBy . pandc:extendedReportingPremiumRatePercent a owl:DatatypeProperty ; rdfs:label "extendedReportingPremiumRatePercent"@en ; rdfs:domain pandc:ExtendedReportingPeriodOffer ; rdfs:range xsd:decimal ; skos:definition "ERP premium rate as a percentage of the expiring annual premium (value 100 = 100%). Source fields: FLDO.DiscoverPeriodPr"@en ; rdfs:isDefinedBy . ins:externalCorporateStructureDate a owl:DatatypeProperty ; rdfs:label "externalCorporateStructureDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "The date as of which the corporate hierarchy and ownership structure data obtained from an external data provider (curre"@en ; rdfs:isDefinedBy . ins:externalReferenceId a owl:DatatypeProperty ; rdfs:label "externalReferenceId"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; skos:definition "External system reference identifier"@en ; rdfs:isDefinedBy . pandc:extraExpenseValue a owl:DatatypeProperty ; rdfs:label "extraExpenseValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Extra expense coverage value for continuing operations after loss"@en ; rdfs:isDefinedBy . pandc:factorCode a owl:DatatypeProperty ; rdfs:label "factorCode"@en ; rdfs:domain pandc:RatingFactor ; rdfs:range xsd:string ; skos:definition "Unique identifier for the rating factor"@en ; rdfs:isDefinedBy . pandc:factorName a owl:DatatypeProperty ; rdfs:label "factorName"@en ; rdfs:domain pandc:RatingFactor ; rdfs:range xsd:string ; skos:definition "Descriptive name of the rating factor"@en ; rdfs:isDefinedBy . pandc:factorValue a owl:DatatypeProperty ; rdfs:label "factorValue"@en ; rdfs:domain pandc:RatingFactor ; rdfs:range xsd:decimal ; skos:definition "The numeric multiplier value for this factor"@en ; rdfs:isDefinedBy . pandc:factoredPremium a owl:DatatypeProperty ; rdfs:label "factoredPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Premium after application of actuarially-derived rating factors but before discretionary modifications"@en ; rdfs:isDefinedBy . pandc:faultDistance a owl:DatatypeProperty ; rdfs:label "faultDistance"@en ; rdfs:domain pandc:EarthquakeAssessment ; rdfs:range xsd:decimal ; skos:definition "Distance to nearest active fault in miles"@en ; rdfs:isDefinedBy . pandc:feeAmount a owl:DatatypeProperty ; rdfs:label "feeAmount"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; skos:definition "Total administrative and policy fees"@en ; rdfs:isDefinedBy . ins:feeType a owl:DatatypeProperty ; rdfs:label "feeType"@en ; rdfs:domain ins:Fee ; rdfs:range xsd:string ; skos:definition "Code identifying the type of fee (e.g. broker fee, policy issuance fee, administrative charge)."@en ; rdfs:isDefinedBy . ins:feeValue a owl:DatatypeProperty ; rdfs:label "feeValue"@en ; rdfs:domain ins:Fee ; rdfs:range xsd:decimal ; skos:definition "The monetary value of the fee."@en ; rdfs:isDefinedBy . pandc:femaFloodZone a owl:DatatypeProperty ; rdfs:label "femaFloodZone"@en ; rdfs:domain pandc:FloodAssessment ; rdfs:range xsd:string ; skos:definition "FEMA flood hazard zone designation (string value)"@en ; rdfs:isDefinedBy . ins:fieldOffice a owl:DatatypeProperty ; rdfs:label "fieldOffice"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Field office / regional office. Distinct from ins:hasBranch (servicing) and ins:uwBranch (underwriting)"@en ; rdfs:isDefinedBy . pandc:fieldOfficeName a owl:DatatypeProperty ; rdfs:label "fieldOfficeName"@en ; rdfs:domain pandc:FieldOffice ; rdfs:range xsd:string ; skos:definition "Display name of the Chubb field office"@en ; rdfs:isDefinedBy . ins:fileName a owl:DatatypeProperty ; rdfs:label "fileName"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:string ; skos:definition "Original file name of the uploaded attachment including extension"@en ; rdfs:isDefinedBy . ins:fileSize a owl:DatatypeProperty ; rdfs:label "fileSize"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:integer ; skos:definition "Size of the attachment file in bytes"@en ; rdfs:isDefinedBy . pandc:filingDate a owl:DatatypeProperty ; rdfs:label "filingDate"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "Date filing submitted to regulatory authority"@en ; rdfs:isDefinedBy . pandc:filingNumber a owl:DatatypeProperty ; rdfs:label "filingNumber"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "State-assigned regulatory filing identification number"@en ; rdfs:isDefinedBy . ins:finStressScoreNationalPercentile a owl:DatatypeProperty ; rdfs:label "finStressScoreNationalPercentile"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "National percentile ranking of financial stress score"@en ; rdfs:isDefinedBy . pandc:finalRate a owl:DatatypeProperty ; rdfs:label "finalRate"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "The actual rate per exposure unit applied to calculate premium, incorporating all factors"@en ; rdfs:isDefinedBy . pandc:financialAnalysisScore a owl:DatatypeProperty ; rdfs:label "financialAnalysisScore"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range xsd:decimal ; skos:definition "Numeric financial-strength score on a FinancialRiskAssessment. Scale pending Q-LK-1. Source field: FinancialAnalysis.Fin"@en ; rdfs:isDefinedBy . pandc:financialRatioCommentary a owl:DatatypeProperty ; rdfs:label "financialRatioCommentary"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range xsd:string ; skos:definition "Free-text analyst commentary on financial ratios. Source field: FinancialAnalysis.RatioComments."@en ; rdfs:isDefinedBy . pandc:fireAlarmType a owl:DatatypeProperty ; rdfs:label "fireAlarmType"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range xsd:string ; skos:definition "Type of fire alarm monitoring"@en ; rdfs:isDefinedBy . pandc:fireFlow a owl:DatatypeProperty ; rdfs:label "fireFlow"@en ; rdfs:domain pandc:PublicProtectionClass ; rdfs:range xsd:integer ; rdfs:isDefinedBy . pandc:fireLegalLiabilityLimit a owl:DatatypeProperty ; rdfs:label "fireLegalLiabilityLimit"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Fire legal liability coverage limit"@en ; rdfs:isDefinedBy . pandc:fireResistanceRating a owl:DatatypeProperty ; rdfs:label "fireResistanceRating"@en ; rdfs:domain pandc:ISOConstructionClass ; rdfs:range xsd:string ; skos:definition "The fire resistance rating duration for an ISO construction class"@en ; rdfs:isDefinedBy . pandc:firstFloorElevation a owl:DatatypeProperty ; rdfs:label "firstFloorElevation"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:Building pandc:FloodAssessment ) ] ; ec:dataQualityFlag "RANGE-CONFLICT: declared as xsd:decimal, xsd:integer in the source LDM." ; skos:definition "Height of the first finished floor of the building above ground level (or above Base Flood Elevation, BFE), expressed in"@en ; rdfs:isDefinedBy . ins:firstName a owl:DatatypeProperty ; rdfs:label "firstName"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Person's first/given name"@en ; rdfs:isDefinedBy . ins:firstPolicyInceptionDate a owl:DatatypeProperty ; rdfs:label "firstPolicyInceptionDate"@en ; rdfs:domain ins:Party ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the party's first insurance policy with Chubb became effective, establishing them as a customer"@en ; rdfs:isDefinedBy . pandc:firstRateRiskPremium a owl:DatatypeProperty ; rdfs:label "firstRateRiskPremium"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The initial calculated risk premium for this building, derived by applying the base rate to the building's exposure valu"@en ; rdfs:isDefinedBy . pandc:floodDeductible a owl:DatatypeProperty ; rdfs:label "floodDeductible"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:floodInsuranceRateMap a owl:DatatypeProperty ; rdfs:label "floodInsuranceRateMap"@en ; rdfs:domain pandc:FloodAssessment ; rdfs:range xsd:string ; skos:definition "FEMA Flood Insurance Rate Map panel identifier"@en ; rdfs:isDefinedBy . pandc:floodZone a owl:DatatypeProperty ; rdfs:label "floodZone"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:string ; skos:definition "FEMA flood zone designation for the property location"@en ; rdfs:isDefinedBy . pandc:forCoverageType a owl:DatatypeProperty ; rdfs:label "forCoverageType"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:string ; skos:definition "The coverage type this premium applies to"@en ; rdfs:isDefinedBy . pandc:forDeductibleAmount a owl:DatatypeProperty ; rdfs:label "forDeductibleAmount"@en ; rdfs:domain pandc:DeductibleFactor ; rdfs:range xsd:decimal ; skos:definition "The deductible amount this factor applies to"@en ; rdfs:isDefinedBy . pandc:forLimitAmount a owl:DatatypeProperty ; rdfs:label "forLimitAmount"@en ; rdfs:domain pandc:IncreasedLimitFactor ; rdfs:range xsd:decimal ; skos:definition "The coverage limit this ILF applies to"@en ; rdfs:isDefinedBy . pandc:formEditionDate a owl:DatatypeProperty ; rdfs:label "formEditionDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:CoverageForm pandc:FormsScheduleItem ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Edition date of the form as printed on the form itself (e.g., CG 00 01 04 13 = April 2013 edition)"@en ; rdfs:isDefinedBy . pandc:formNumber a owl:DatatypeProperty ; rdfs:label "formNumber"@en ; rdfs:domain pandc:CoverageForm ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "ISO or carrier form identifier"@en ; rdfs:isDefinedBy . pandc:formType a owl:DatatypeProperty ; rdfs:label "formType"@en ; rdfs:domain pandc:CoverageForm ; rdfs:range xsd:string ; skos:definition "Origin of form"@en ; rdfs:isDefinedBy . pandc:fortifiedConstructionType a owl:DatatypeProperty ; rdfs:label "fortifiedConstructionType"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Fortified construction type designation"@en ; rdfs:isDefinedBy . pandc:fuelLoad a owl:DatatypeProperty ; rdfs:label "fuelLoad"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range xsd:string ; skos:definition "Vegetation fuel classification (MINIMAL, LOW, MODERATE, HIGH, EXTREME)"@en ; rdfs:isDefinedBy . pandc:fuelType a owl:DatatypeProperty ; rdfs:label "fuelType"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel fuel type. RATING VARIABLE — fuel type affects risk profile. Source field: Fuel (field 181). Decision: NW."@en ; rdfs:isDefinedBy . ins:fullLegalName a owl:DatatypeProperty ; rdfs:label "fullLegalName"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Complete legal name of the party"@en ; rdfs:isDefinedBy . pandc:fullTimeEmployeeCount a owl:DatatypeProperty ; rdfs:label "fullTimeEmployeeCount"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:integer ; skos:definition "Total full-time employee count on a WorkforceExposure. Source field: FLEPL.FullTimeEmp."@en ; rdfs:isDefinedBy . pandc:fullTimeEmployees a owl:DatatypeProperty ; rdfs:label "fullTimeEmployees"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:EmployeeClassification pandc:LiabilityExposure ) ] ; rdfs:range xsd:integer ; skos:definition "Number of full-time employees within this employee classification"@en ; rdfs:isDefinedBy . ins:fxRate a owl:DatatypeProperty ; rdfs:label "fxRate"@en ; rdfs:domain ins:FXRateSnapshot ; rdfs:range xsd:decimal ; skos:definition "The exchange rate value in the FX snapshot"@en ; rdfs:isDefinedBy . ins:fxRateMonth a owl:DatatypeProperty ; rdfs:label "fxRateMonth"@en ; rdfs:domain ins:ForeignExchangeRate ; rdfs:range xsd:integer ; skos:definition "Calendar month (1–12) for which this exchange rate applies."@en ; rdfs:isDefinedBy . ins:fxRateYear a owl:DatatypeProperty ; rdfs:label "fxRateYear"@en ; rdfs:domain ins:ForeignExchangeRate ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; skos:definition "Calendar year for which this exchange rate applies."@en ; rdfs:isDefinedBy . ins:gender a owl:DatatypeProperty ; rdfs:label "gender"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Person's gender"@en ; rdfs:isDefinedBy . pandc:generalAggregateLimit a owl:DatatypeProperty ; rdfs:label "generalAggregateLimit"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "General aggregate annual coverage limit"@en ; rdfs:isDefinedBy . pandc:generalDeductible a owl:DatatypeProperty ; rdfs:label "generalDeductible"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "General liability deductible amount"@en ; rdfs:isDefinedBy . pandc:geoExposureSplitAmount a owl:DatatypeProperty ; rdfs:label "geoExposureSplitAmount"@en ; rdfs:domain pandc:GeographicExposureSplit ; rdfs:range xsd:decimal ; skos:definition "Monetary amount of exposure attributable to this geographic region"@en ; rdfs:isDefinedBy . pandc:geoExposureSplitPercentage a owl:DatatypeProperty ; rdfs:label "geoExposureSplitPercentage"@en ; rdfs:domain pandc:GeographicExposureSplit ; rdfs:range xsd:decimal ; skos:definition "Percentage of total exposure attributable to this geographic region (0–100)"@en ; rdfs:isDefinedBy . pandc:geocodeConfidence a owl:DatatypeProperty ; rdfs:label "geocodeConfidence"@en ; rdfs:domain pandc:Geocoding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:geocodeSource a owl:DatatypeProperty ; rdfs:label "geocodeSource"@en ; rdfs:domain pandc:Geocoding ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:glAggregateStructure a owl:DatatypeProperty ; rdfs:label "glAggregateStructure"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:string ; skos:definition "Aggregate limit structure for general liability"@en ; rdfs:isDefinedBy . pandc:glClassCode a owl:DatatypeProperty ; rdfs:label "glClassCode"@en ; rdfs:domain pandc:GLClassCode ; rdfs:range xsd:string ; skos:definition "The 5-digit ISO GL classification code"@en ; rdfs:isDefinedBy . pandc:glCombinedSingleLimit a owl:DatatypeProperty ; rdfs:label "glCombinedSingleLimit"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:boolean ; skos:definition "Whether combined single limit is available"@en ; rdfs:isDefinedBy . pandc:glDefaultRetroactiveDate a owl:DatatypeProperty ; rdfs:label "glDefaultRetroactiveDate"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Default retroactive date for claims-made policies"@en ; rdfs:isDefinedBy . pandc:glExposureSplitPercentage a owl:DatatypeProperty ; rdfs:label "glExposureSplitPercentage"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:decimal ; skos:definition "Default split between premises/ops and products/ops exposure"@en ; rdfs:isDefinedBy . pandc:glExtendedReportingPeriod a owl:DatatypeProperty ; rdfs:label "glExtendedReportingPeriod"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:boolean ; skos:definition "Indicates if extended reporting period (tail) is available"@en ; rdfs:isDefinedBy . pandc:glFireLegalLiabilityLimit a owl:DatatypeProperty ; rdfs:label "glFireLegalLiabilityLimit"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:decimal ; skos:definition "Default sublimit for fire legal liability coverage"@en ; rdfs:isDefinedBy . pandc:glMedicalPaymentsIncluded a owl:DatatypeProperty ; rdfs:label "glMedicalPaymentsIncluded"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:boolean ; skos:definition "Whether medical payments coverage is included as standard coverage part"@en ; rdfs:isDefinedBy . pandc:glNonOwnedAutoIncluded a owl:DatatypeProperty ; rdfs:label "glNonOwnedAutoIncluded"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:boolean ; skos:definition "Whether non-owned and hired auto liability is included in GL coverage"@en ; rdfs:isDefinedBy . pandc:glPremisesOpsExposureBasis a owl:DatatypeProperty ; rdfs:label "glPremisesOpsExposureBasis"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:string ; skos:definition "Default exposure basis for premises and operations coverage"@en ; rdfs:isDefinedBy . pandc:glProductsOpsExposureBasis a owl:DatatypeProperty ; rdfs:label "glProductsOpsExposureBasis"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:string ; skos:definition "Default exposure basis for products and completed operations coverage"@en ; rdfs:isDefinedBy . pandc:glRequiresScheduleRating a owl:DatatypeProperty ; rdfs:label "glRequiresScheduleRating"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:boolean ; skos:definition "Whether schedule rating modification is required or available"@en ; rdfs:isDefinedBy . pandc:glRetroactiveDateApplicable a owl:DatatypeProperty ; rdfs:label "glRetroactiveDateApplicable"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:boolean ; skos:definition "Indicates if retroactive date applies to claims-made coverage"@en ; rdfs:isDefinedBy . pandc:glSplitLimitsAvailable a owl:DatatypeProperty ; rdfs:label "glSplitLimitsAvailable"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:boolean ; skos:definition "Whether split limits are available (separate BI and PD limits)"@en ; rdfs:isDefinedBy . pandc:glSupplementalERPAvailable a owl:DatatypeProperty ; rdfs:label "glSupplementalERPAvailable"@en ; rdfs:domain pandc:GeneralLiabilityProduct ; rdfs:range xsd:boolean ; skos:definition "Whether supplemental extended reporting period is available"@en ; rdfs:isDefinedBy . pandc:governingClassification a owl:DatatypeProperty ; rdfs:label "governingClassification"@en ; rdfs:domain pandc:GLClassCode ; rdfs:range xsd:boolean ; skos:definition "Indicates whether this is the governing (highest rated) classification"@en ; rdfs:isDefinedBy . pandc:grossProfitBusinessIncomeValue a owl:DatatypeProperty ; rdfs:label "grossProfitBusinessIncomeValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The insured's estimated annual gross profit used as the basis for business interruption coverage on gross profit terms."@en ; rdfs:isDefinedBy . pandc:grossRate a owl:DatatypeProperty ; rdfs:label "grossRate"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Rate per exposure unit after applying all rating factors but before expense loads"@en ; rdfs:isDefinedBy . pandc:grossRevenueBusinessIncomeValue a owl:DatatypeProperty ; rdfs:label "grossRevenueBusinessIncomeValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The insured's estimated annual gross revenue used as the basis for business interruption coverage on gross revenue terms"@en ; rdfs:isDefinedBy . pandc:grossSales a owl:DatatypeProperty ; rdfs:label "grossSales"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Deprecated. Map source sales/receipts fields to pandc:hasExposureAmount (ObjectProperty → pandc:ExposureAmount) with par"@en ; rdfs:isDefinedBy . pandc:grossTonnage a owl:DatatypeProperty ; rdfs:label "grossTonnage"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:decimal ; skos:definition "Vessel gross tonnage. RATING VARIABLE — vessel size drives rate (NOT exposure). Source field: GrossTonnage (field 172)."@en ; rdfs:isDefinedBy . pandc:harassmentPolicyPresent a owl:DatatypeProperty ; rdfs:label "harassmentPolicyPresent"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: anti-harassment policy exists. Source field: FLEPL.Harassment (Q-HR-3)."@en ; rdfs:isDefinedBy . pandc:hasAAL a owl:DatatypeProperty ; rdfs:label "hasAAL"@en ; rdfs:domain pandc:CatastrophicRiskAssessment ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Estimated Average Annual Loss from this peril"@en ; rdfs:isDefinedBy . pandc:hasAgreedValue a owl:DatatypeProperty ; rdfs:label "hasAgreedValue"@en ; rdfs:domain pandc:PropertyCoverage ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether Agreed Value endorsement is elected, waiving coinsurance requirements"@en ; rdfs:isDefinedBy . ins:hasApprovalLevel a owl:DatatypeProperty ; rdfs:label "hasApprovalLevel"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:integer ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Required approval authority level for this quote"@en ; rdfs:isDefinedBy . ins:hasAttachmentCount a owl:DatatypeProperty ; rdfs:label "hasAttachmentCount"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range xsd:integer ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Number of attachments on the email"@en ; rdfs:isDefinedBy . ins:hasAttachmentId a owl:DatatypeProperty ; rdfs:label "hasAttachmentId"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Document identifier for email attachment"@en ; rdfs:isDefinedBy . pandc:hasAttachmentLocation a owl:DatatypeProperty ; rdfs:label "hasAttachmentLocation"@en ; rdfs:domain pandc:InsurableLocation ; rdfs:range xsd:anyURI ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "URI or file path reference to a document attachment associated with this insurable location"@en ; rdfs:isDefinedBy . pandc:hasAttachmentPoint a owl:DatatypeProperty ; rdfs:label "hasAttachmentPoint"@en ; rdfs:domain pandc:ExcessCoverage ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Amount at which excess coverage attaches above underlying limits"@en ; rdfs:isDefinedBy . ins:hasAuditableIndicator a owl:DatatypeProperty ; rdfs:label "hasAuditableIndicator"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Indicates whether premium will be audited and adjusted based on actual exposure after policy expiration"@en ; rdfs:isDefinedBy . pandc:hasBasement a owl:DatatypeProperty ; rdfs:label "hasBasement"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Indicates whether building has a basement"@en ; rdfs:isDefinedBy . ins:hasBindDeadline a owl:DatatypeProperty ; rdfs:label "hasBindDeadline"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Deadline for binding coverage"@en ; rdfs:isDefinedBy . pandc:hasBlanketGroup a owl:DatatypeProperty ; rdfs:label "hasBlanketGroup"@en ; rdfs:domain pandc:PropertyCoverage ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Identifier for blanket coverage group when coverage applies across multiple locations or buildings"@en ; rdfs:isDefinedBy . ins:hasBranch a owl:DatatypeProperty ; rdfs:label "hasBranch"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Branch office where policy is serviced and customer relationships are managed"@en ; rdfs:isDefinedBy . ins:hasCity a owl:DatatypeProperty ; rdfs:label "hasCity"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "City or locality name"@en ; rdfs:isDefinedBy . pandc:hasCoinsurancePercentage a owl:DatatypeProperty ; rdfs:label "hasCoinsurancePercentage"@en ; rdfs:domain pandc:PropertyCoverage ; rdfs:range xsd:integer ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Percentage of property value that must be insured to avoid coinsurance penalty (typically 80%, 90%, or 100%)"@en ; rdfs:isDefinedBy . ins:hasCommissionAmount a owl:DatatypeProperty ; rdfs:label "hasCommissionAmount"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Calculated commission amount for the producing agent or broker"@en ; rdfs:isDefinedBy . ins:hasCommissionRate a owl:DatatypeProperty ; rdfs:label "hasCommissionRate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Policy ins:Quote ) ] ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Commission rate. Domain extended from ins:Quote to also include ins:Policy (RA for post-bind records). Source field: Bro"@en ; rdfs:isDefinedBy . pandc:hasContractualWork a owl:DatatypeProperty ; rdfs:label "hasContractualWork"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether work is performed under contracts"@en ; rdfs:isDefinedBy . ins:hasDUNS a owl:DatatypeProperty ; rdfs:label "hasDUNS"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "9-digit DUNS number for business credit and risk assessment"@en ; rdfs:isDefinedBy . pandc:hasDefensibleSpace a owl:DatatypeProperty ; rdfs:label "hasDefensibleSpace"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range xsd:integer ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . ins:hasDnBCreditCode a owl:DatatypeProperty ; rdfs:label "hasDnBCreditCode"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "D&B credit code for the organization"@en ; rdfs:isDefinedBy . ins:hasEIN a owl:DatatypeProperty ; rdfs:label "hasEIN"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Employer Identification Number (EIN) in format XX-XXXXXXX"@en ; rdfs:isDefinedBy . ins:hasEffectiveDate a owl:DatatypeProperty ; rdfs:label "hasEffectiveDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:Coverage ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Date when the quote or policy coverage begins"@en ; rdfs:isDefinedBy . pandc:hasElevatedWork a owl:DatatypeProperty ; rdfs:label "hasElevatedWork"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether work is performed at elevation"@en ; rdfs:isDefinedBy . pandc:hasElevation a owl:DatatypeProperty ; rdfs:label "hasElevation"@en ; rdfs:domain pandc:Geocoding ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Elevation above sea level in feet"@en ; rdfs:isDefinedBy . ins:hasEmailBody a owl:DatatypeProperty ; rdfs:label "hasEmailBody"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Plain text or HTML email body content"@en ; rdfs:isDefinedBy . ins:hasEmailFromAddress a owl:DatatypeProperty ; rdfs:label "hasEmailFromAddress"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Sender email address (typically broker)"@en ; rdfs:isDefinedBy . ins:hasEmailId a owl:DatatypeProperty ; rdfs:label "hasEmailId"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Unique email message identifier"@en ; rdfs:isDefinedBy . ins:hasEmailSubject a owl:DatatypeProperty ; rdfs:label "hasEmailSubject"@en ; rdfs:domain ins:EmailSubmission ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Email subject line"@en ; rdfs:isDefinedBy . ins:hasExpirationDate a owl:DatatypeProperty ; rdfs:label "hasExpirationDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Quote pandc:Coverage ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Date when the quote or policy coverage expires"@en ; rdfs:isDefinedBy . pandc:hasExtensionsIndicator a owl:DatatypeProperty ; rdfs:label "hasExtensionsIndicator"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Boolean flag indicating that extended coverage is active for a named coverage head. Distinct from pandc:hasSelectionStat"@en ; rdfs:isDefinedBy . ins:hasExternalReferenceNumber a owl:DatatypeProperty ; rdfs:label "hasExternalReferenceNumber"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Broker or partner reference number"@en ; rdfs:isDefinedBy . pandc:hasFireAlarm a owl:DatatypeProperty ; rdfs:label "hasFireAlarm"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Indicates presence of fire alarm system"@en ; rdfs:isDefinedBy . pandc:hasFuelLoad a owl:DatatypeProperty ; rdfs:label "hasFuelLoad"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . pandc:hasGLTerritoryCode a owl:DatatypeProperty ; rdfs:label "hasGLTerritoryCode"@en ; rdfs:domain pandc:GLTerritoryAssessment ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . pandc:hasGLTerritoryFactor a owl:DatatypeProperty ; rdfs:label "hasGLTerritoryFactor"@en ; rdfs:domain pandc:GLTerritoryAssessment ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . pandc:hasHazardousMaterials a owl:DatatypeProperty ; rdfs:label "hasHazardousMaterials"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether hazardous materials are used"@en ; rdfs:isDefinedBy . ins:hasIndustryCode a owl:DatatypeProperty ; rdfs:label "hasIndustryCode"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Industry classification code for the quoted risk"@en ; rdfs:isDefinedBy . pandc:hasInternationalOperations a owl:DatatypeProperty ; rdfs:label "hasInternationalOperations"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether business has international operations"@en ; rdfs:isDefinedBy . pandc:hasJurisdiction a owl:DatatypeProperty ; rdfs:label "hasJurisdiction"@en ; rdfs:domain pandc:RatingPlan ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Links a StatePremiumAllocation or Tax instance to a jurisdiction. Range: pandc:Jurisdiction (US states, backward-compat)"@en ; rdfs:isDefinedBy . ins:hasLEI a owl:DatatypeProperty ; rdfs:label "hasLEI"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "20-character LEI code for financial entities"@en ; rdfs:isDefinedBy . pandc:hasLocationName a owl:DatatypeProperty ; rdfs:label "hasLocationName"@en ; rdfs:domain pandc:Location ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . pandc:hasLocationNumber a owl:DatatypeProperty ; rdfs:label "hasLocationNumber"@en ; rdfs:domain pandc:Location ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Unique identifier for a physical location"@en ; rdfs:isDefinedBy . pandc:hasLossControlVisits a owl:DatatypeProperty ; rdfs:label "hasLossControlVisits"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether recent loss control visits occurred"@en ; rdfs:isDefinedBy . ins:hasMasterProducerNumber a owl:DatatypeProperty ; rdfs:label "hasMasterProducerNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Master producer number for grouping producer codes for premium/loss tracking"@en ; rdfs:isDefinedBy . ins:hasMaximumAuditAdjustment a owl:DatatypeProperty ; rdfs:label "hasMaximumAuditAdjustment"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Cap on additional premium that can be charged at audit, protecting insured from excessive adjustments"@en ; rdfs:isDefinedBy . ins:hasMinimumEarnedPremium a owl:DatatypeProperty ; rdfs:label "hasMinimumEarnedPremium"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Minimum premium that will be charged regardless of audit results, protecting insurer from adverse audit adjustments"@en ; rdfs:isDefinedBy . ins:hasMinimumPremium a owl:DatatypeProperty ; rdfs:label "hasMinimumPremium"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Minimum all-in premium charged for the policy regardless of exposure calculations; includes all coverages, fees, taxes,"@en ; rdfs:isDefinedBy . pandc:hasMonitoring a owl:DatatypeProperty ; rdfs:label "hasMonitoring"@en ; rdfs:domain pandc:SecurityRiskAssessment ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . ins:hasNAICCompanyCode a owl:DatatypeProperty ; rdfs:label "hasNAICCompanyCode"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "NAIC code for insurance carriers (regulatory filings)"@en ; rdfs:isDefinedBy . ins:hasNIPRNumber a owl:DatatypeProperty ; rdfs:label "hasNIPRNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "National Insurance Producer Registry identifier"@en ; rdfs:isDefinedBy . pandc:hasOrdinanceLawPart a owl:DatatypeProperty ; rdfs:label "hasOrdinanceLawPart"@en ; rdfs:domain pandc:OrdinanceLawCoverage ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Identifies the part of ordinance or law coverage (A: demolition cost, B: increased cost of construction, C: loss to unda"@en ; rdfs:isDefinedBy . ins:hasPALISProducerNumber a owl:DatatypeProperty ; rdfs:label "hasPALISProducerNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "PALIS Producer Number (legacy, sunsetting)"@en ; rdfs:isDefinedBy . ins:hasPASProducerNumber a owl:DatatypeProperty ; rdfs:label "hasPASProducerNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "PAS Producer Number - primary Chubb identifier for producers"@en ; rdfs:isDefinedBy . pandc:hasPML100Year a owl:DatatypeProperty ; rdfs:label "hasPML100Year"@en ; rdfs:domain pandc:CatastrophicRiskAssessment ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Probable Maximum Loss for 100-year return period"@en ; rdfs:isDefinedBy . pandc:hasPML250Year a owl:DatatypeProperty ; rdfs:label "hasPML250Year"@en ; rdfs:domain pandc:CatastrophicRiskAssessment ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Probable Maximum Loss for 250-year return period"@en ; rdfs:isDefinedBy . pandc:hasPML500Year a owl:DatatypeProperty ; rdfs:label "hasPML500Year"@en ; rdfs:domain pandc:CatastrophicRiskAssessment ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Probable Maximum Loss for 500-year return period"@en ; rdfs:isDefinedBy . ins:hasPMSProducerNumber a owl:DatatypeProperty ; rdfs:label "hasPMSProducerNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "PMS Producer Number (e.g., 18-0634)"@en ; rdfs:isDefinedBy . ins:hasPackageDiscount a owl:DatatypeProperty ; rdfs:label "hasPackageDiscount"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Discount applied for packaging multiple lines of business"@en ; rdfs:isDefinedBy . ins:hasPostalCode a owl:DatatypeProperty ; rdfs:label "hasPostalCode"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "ZIP code, postal code, or equivalent"@en ; rdfs:isDefinedBy . ins:hasPostalCodeExtension a owl:DatatypeProperty ; rdfs:label "hasPostalCodeExtension"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "ZIP+4 or postal code extension"@en ; rdfs:isDefinedBy . pandc:hasPremium a owl:DatatypeProperty ; rdfs:label "hasPremium"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Premium amount for coverage"@en ; rdfs:isDefinedBy . ins:hasPrimaryNAICS a owl:DatatypeProperty ; rdfs:label "hasPrimaryNAICS"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Primary NAICS code for risk classification and underwriting"@en ; rdfs:isDefinedBy . ins:hasProducerNumber a owl:DatatypeProperty ; rdfs:label "hasProducerNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Producer Number from L-Chubb system (e.g., 0062793)"@en ; rdfs:isDefinedBy . ins:hasProductCode a owl:DatatypeProperty ; rdfs:label "hasProductCode"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Denormalized product code string for quick reference"@en ; rdfs:isDefinedBy . pandc:hasProductRecalls a owl:DatatypeProperty ; rdfs:label "hasProductRecalls"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether business has history of product recalls"@en ; rdfs:isDefinedBy . ins:hasProgramCode a owl:DatatypeProperty ; rdfs:label "hasProgramCode"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Program or scheme code under which this quote is written"@en ; rdfs:isDefinedBy . pandc:hasPublicAccess a owl:DatatypeProperty ; rdfs:label "hasPublicAccess"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether public has access to premises"@en ; rdfs:isDefinedBy . ins:hasQuoteDate a owl:DatatypeProperty ; rdfs:label "hasQuoteDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Date and time quote was generated"@en ; rdfs:isDefinedBy . ins:hasQuoteNumber a owl:DatatypeProperty ; rdfs:label "hasQuoteNumber"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Unique system-generated quote identifier"@en ; rdfs:isDefinedBy . ins:hasQuoteValidUntil a owl:DatatypeProperty ; rdfs:label "hasQuoteValidUntil"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Date until which quote terms are valid"@en ; rdfs:isDefinedBy . ins:hasQuoteVersion a owl:DatatypeProperty ; rdfs:label "hasQuoteVersion"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:integer ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Version number for quote revisions"@en ; rdfs:isDefinedBy . ins:hasRateEffectiveDate a owl:DatatypeProperty ; rdfs:label "hasRateEffectiveDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Effective date of the rating rules and factors used to calculate premium for this quote"@en ; rdfs:isDefinedBy . pandc:hasRatingPlanDescription a owl:DatatypeProperty ; rdfs:label "hasRatingPlanDescription"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Detailed description of the rating methodology, factors, and business rules"@en ; rdfs:isDefinedBy . pandc:hasRatingPlanName a owl:DatatypeProperty ; rdfs:label "hasRatingPlanName"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Human-readable descriptive name of the rating plan"@en ; rdfs:isDefinedBy . pandc:hasSafetyProgramProperty a owl:DatatypeProperty ; rdfs:label "hasSafetyProgramProperty"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Whether formal safety program is in place"@en ; rdfs:isDefinedBy . pandc:hasSecuritySystem a owl:DatatypeProperty ; rdfs:label "hasSecuritySystem"@en ; rdfs:domain pandc:SecurityRiskAssessment ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . pandc:hasSoilClass a owl:DatatypeProperty ; rdfs:label "hasSoilClass"@en ; rdfs:domain pandc:EarthquakeAssessment ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Soil classification (A through F)"@en ; rdfs:isDefinedBy . pandc:hasSprinklerSystem a owl:DatatypeProperty ; rdfs:label "hasSprinklerSystem"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:boolean ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Indicates presence of automatic sprinkler system (boolean). For detailed sprinkler type, use pandc:sprinklerSystemType"@en ; rdfs:isDefinedBy . ins:hasStateRegistrationNumber a owl:DatatypeProperty ; rdfs:label "hasStateRegistrationNumber"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "State-level business entity number (format varies by state)"@en ; rdfs:isDefinedBy . pandc:hasStormSurgeZone a owl:DatatypeProperty ; rdfs:label "hasStormSurgeZone"@en ; rdfs:domain pandc:CoastalZoneAssessment ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; rdfs:isDefinedBy . ins:hasStreetAddressLine1 a owl:DatatypeProperty ; rdfs:label "hasStreetAddressLine1"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Primary street address line"@en ; rdfs:isDefinedBy . ins:hasStreetAddressLine2 a owl:DatatypeProperty ; rdfs:label "hasStreetAddressLine2"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Secondary address line (suite, apartment, etc.)"@en ; rdfs:isDefinedBy . ins:hasStreetAddressLine3 a owl:DatatypeProperty ; rdfs:label "hasStreetAddressLine3"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Tertiary address line (additional designators, building, floor, etc.). Added by SAR-005 to provide a uniform 3-line slot"@en ; rdfs:isDefinedBy . ins:hasSubProducerNumber a owl:DatatypeProperty ; rdfs:label "hasSubProducerNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Sub Producer Number from L-Chubb system (e.g., 00087)"@en ; rdfs:isDefinedBy . ins:hasSubmissionDate a owl:DatatypeProperty ; rdfs:label "hasSubmissionDate"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:dateTime ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Date and time submission was received"@en ; rdfs:isDefinedBy . ins:hasSubmissionNumber a owl:DatatypeProperty ; rdfs:label "hasSubmissionNumber"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Unique system-generated submission identifier"@en ; rdfs:isDefinedBy . ins:hasSurchargeAmount a owl:DatatypeProperty ; rdfs:label "hasSurchargeAmount"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Flat dollar amount of surcharge"@en ; rdfs:isDefinedBy . ins:hasSurchargePercentage a owl:DatatypeProperty ; rdfs:label "hasSurchargePercentage"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Surcharge as percentage of base premium"@en ; rdfs:isDefinedBy . ins:hasSurchargeReason a owl:DatatypeProperty ; rdfs:label "hasSurchargeReason"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Detailed explanation for surcharge application"@en ; rdfs:isDefinedBy . ins:hasTaxAmount a owl:DatatypeProperty ; rdfs:label "hasTaxAmount"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Total taxes applicable to the quoted premium"@en ; rdfs:isDefinedBy . ins:hasTechnicalPremium a owl:DatatypeProperty ; rdfs:label "hasTechnicalPremium"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Actuarially determined premium before underwriter adjustments"@en ; rdfs:isDefinedBy . ins:hasTotalPremium a owl:DatatypeProperty ; rdfs:label "hasTotalPremium"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Final total premium amount for the quote after all adjustments"@en ; rdfs:isDefinedBy . ins:hasUnderwritingTeam a owl:DatatypeProperty ; rdfs:label "hasUnderwritingTeam"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "The underwriting team responsible for this quote"@en ; rdfs:isDefinedBy . ins:hasVATNumber a owl:DatatypeProperty ; rdfs:label "hasVATNumber"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "VAT number with country prefix"@en ; rdfs:isDefinedBy . pandc:hasVersionNumber a owl:DatatypeProperty ; rdfs:label "hasVersionNumber"@en ; rdfs:domain pandc:RatingPlanVersion ; rdfs:range xsd:string ; a owl:FunctionalProperty ; ec:dataQualityFlag "DP-102 violation: the has* prefix is reserved for object properties." ; skos:definition "Semantic version number in format Major.Minor.Patch where Major=regulatory filing, Minor=algorithm update, Patch=data co"@en ; rdfs:isDefinedBy . pandc:hazardClassCode a owl:DatatypeProperty ; rdfs:label "hazardClassCode"@en ; rdfs:domain pandc:HazardScheduleItem ; rdfs:range xsd:string ; skos:definition "GL class code identifying the type of operation or hazard (e.g., ISO or NCCI class code)"@en ; rdfs:isDefinedBy . pandc:hazardDescription a owl:DatatypeProperty ; rdfs:label "hazardDescription"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:GLHazard pandc:PropertyExposure ) ] ; rdfs:range xsd:string ; skos:definition "Free-text narrative describing identified property hazards relevant to the property exposure (e.g., flammable storage, d"@en ; rdfs:isDefinedBy . pandc:hazardGroup a owl:DatatypeProperty ; rdfs:label "hazardGroup"@en ; rdfs:domain pandc:ClassificationCode ; rdfs:range xsd:string ; skos:definition "Hazard grouping for this classification"@en ; rdfs:isDefinedBy . pandc:hazardRate a owl:DatatypeProperty ; rdfs:label "hazardRate"@en ; rdfs:domain pandc:HazardScheduleItem ; rdfs:range xsd:decimal ; skos:definition "Rate per unit of exposure for this class code"@en ; rdfs:isDefinedBy . pandc:hazardType a owl:DatatypeProperty ; rdfs:label "hazardType"@en ; rdfs:domain pandc:GLHazard ; rdfs:range xsd:string ; skos:definition "Type/category of hazard"@en ; rdfs:isDefinedBy . pandc:hazardZone a owl:DatatypeProperty ; rdfs:label "hazardZone"@en ; rdfs:domain pandc:RiskLocationPeril ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:heatingReplacementYear a owl:DatatypeProperty ; rdfs:label "heatingReplacementYear"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Year heating systems were last replaced"@en ; rdfs:isDefinedBy . pandc:heatingSystemType a owl:DatatypeProperty ; rdfs:label "heatingSystemType"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Type of heating system in the building"@en ; rdfs:isDefinedBy . ins:historicalRef a owl:DatatypeProperty ; rdfs:label "historicalRef"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Historical reference identifier linking to prior submissions or policies"@en ; rdfs:isDefinedBy . ins:historyEndDate a owl:DatatypeProperty ; rdfs:label "historyEndDate"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "End date of the loss history period covered by this summary"@en ; rdfs:isDefinedBy . ins:historyStartDate a owl:DatatypeProperty ; rdfs:label "historyStartDate"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Start date of the loss history period covered by this summary"@en ; rdfs:isDefinedBy . pandc:hmDeclaredValue a owl:DatatypeProperty ; rdfs:label "hmDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared / agreed value for Hull & Machinery exposure (TopSI). EXPOSURE."@en ; rdfs:isDefinedBy . pandc:homePortName a owl:DatatypeProperty ; rdfs:label "homePortName"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel's home port. Source field: HomePort (field 157). Decision: NW."@en ; rdfs:isDefinedBy . pandc:hrDepartmentPresent a owl:DatatypeProperty ; rdfs:label "hrDepartmentPresent"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: HR department exists. Source field: FLEPL.HRDepartment (Q-HR-1, type inferred)."@en ; rdfs:isDefinedBy . pandc:hrManualPresent a owl:DatatypeProperty ; rdfs:label "hrManualPresent"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: HR manual exists. Source field: FLEPL.HRManual (Q-HR-2)."@en ; rdfs:isDefinedBy . pandc:hrQualityCommentary a owl:DatatypeProperty ; rdfs:label "hrQualityCommentary"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:string ; skos:definition "Free-text HR quality commentary. Source field: FLEPL.HRComment."@en ; rdfs:isDefinedBy . pandc:hullConstructionType a owl:DatatypeProperty ; rdfs:label "hullConstructionType"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Hull material classification. RATING VARIABLE. Source field: HullType (field 163). Decision: NW."@en ; rdfs:isDefinedBy . pandc:hundredPctAsBiPct a owl:DatatypeProperty ; rdfs:label "hundredPctAsBiPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The 100% Amount Subject for Business Interruption expressed as a percentage of the total BI TIV — the share of BI TIV ex"@en ; rdfs:isDefinedBy . pandc:hundredPctAsPdPct a owl:DatatypeProperty ; rdfs:label "hundredPctAsPdPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The 100% Amount Subject for Property Damage expressed as a percentage of the total PD TIV — the share of PD TIV exposed"@en ; rdfs:isDefinedBy . pandc:hundredPercentAsBiLc a owl:DatatypeProperty ; rdfs:label "hundredPercentAsBiLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "100% aggregate severity - business interruption, loss cost"@en ; rdfs:isDefinedBy . pandc:hundredPercentAsPdLc a owl:DatatypeProperty ; rdfs:label "hundredPercentAsPdLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "100% aggregate severity - property damage, loss cost"@en ; rdfs:isDefinedBy . pandc:hundredPercentTivAdditionalBiLc a owl:DatatypeProperty ; rdfs:label "hundredPercentTivAdditionalBiLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "In a 100% total insurable value loss scenario, the additional business income loss cost incurred during repair and rebui"@en ; rdfs:isDefinedBy . pandc:hundredPercentTivAdditionalPdLc a owl:DatatypeProperty ; rdfs:label "hundredPercentTivAdditionalPdLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "In a 100% total insurable value loss scenario, the additional property damage loss cost incurred over and above the prim"@en ; rdfs:isDefinedBy . ins:identifierEffectiveDate a owl:DatatypeProperty ; rdfs:label "identifierEffectiveDate"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date the identifier became active"@en ; rdfs:isDefinedBy . ins:identifierExpirationDate a owl:DatatypeProperty ; rdfs:label "identifierExpirationDate"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date the identifier expires or was deprecated"@en ; rdfs:isDefinedBy . ins:identifierValue a owl:DatatypeProperty ; rdfs:label "identifierValue"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range xsd:string ; skos:definition "The actual identifier value as a string"@en ; rdfs:isDefinedBy . pandc:imoNumber a owl:DatatypeProperty ; rdfs:label "imoNumber"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "International Maritime Organization vessel identifier. Global unique key for pandc:Vessel (use as owl:hasKey when popula"@en ; rdfs:isDefinedBy . pandc:includesIPO a owl:DatatypeProperty ; rdfs:label "includesIPO"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: share count includes IPO securities. Source fields: FLDO.Shares*IncIniPubOff."@en ; rdfs:isDefinedBy . pandc:incomeStatementCommentary a owl:DatatypeProperty ; rdfs:label "incomeStatementCommentary"@en ; rdfs:domain pandc:FinancialRiskAssessment ; rdfs:range xsd:string ; skos:definition "Free-text analyst commentary on income statement. Source field: FinancialAnalysis.IncomeStatementComments."@en ; rdfs:isDefinedBy . ins:incorporationDate a owl:DatatypeProperty ; rdfs:label "incorporationDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date of incorporation"@en ; rdfs:isDefinedBy . ins:incorporationState a owl:DatatypeProperty ; rdfs:label "incorporationState"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "State of incorporation (2-letter code)"@en ; rdfs:isDefinedBy . pandc:increasedLimitsFactor a owl:DatatypeProperty ; rdfs:label "increasedLimitsFactor"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Increased limits factor for this liability exposure"@en ; rdfs:isDefinedBy . ins:incurredAmount a owl:DatatypeProperty ; rdfs:label "incurredAmount"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Total incurred amount equal to paid plus outstanding reserves"@en ; rdfs:isDefinedBy . pandc:indemnityPeriodDescription a owl:DatatypeProperty ; rdfs:label "indemnityPeriodDescription"@en ; rdfs:domain pandc:MarineIndemnityPeriod ; rdfs:range xsd:string ; skos:definition "Free-text description of the indemnity period (when not structured as value+unit)."@en ; rdfs:isDefinedBy . pandc:indemnityPeriodValue a owl:DatatypeProperty ; rdfs:label "indemnityPeriodValue"@en ; rdfs:domain pandc:MarineIndemnityPeriod ; rdfs:range xsd:decimal ; skos:definition "Numeric value of the indemnity period."@en ; rdfs:isDefinedBy . ins:industryGroupingCode a owl:DatatypeProperty ; rdfs:label "industryGroupingCode"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "The source code identifying the broad industry sector grouping of the insured. Coarser than the 6-digit NAICS code — use"@en ; rdfs:isDefinedBy . ins:industryGroupingDesc a owl:DatatypeProperty ; rdfs:label "industryGroupingDesc"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "The human-readable label for the broad industry sector grouping of the insured. Companion to ins:industryGroupingCode."@en ; rdfs:isDefinedBy . pandc:inflationGuard a owl:DatatypeProperty ; rdfs:label "inflationGuard"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Annual inflation guard percentage applied to coverage limits"@en ; rdfs:isDefinedBy . pandc:inflationUpliftFactorBuildingPct a owl:DatatypeProperty ; rdfs:label "inflationUpliftFactorBuildingPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Inflation uplift factor percentage for building"@en ; rdfs:isDefinedBy . pandc:inflationUpliftFactorBusinessInterruptionPct a owl:DatatypeProperty ; rdfs:label "inflationUpliftFactorBusinessInterruptionPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Inflation uplift factor percentage for business interruption"@en ; rdfs:isDefinedBy . pandc:inflationUpliftFactorContentsPct a owl:DatatypeProperty ; rdfs:label "inflationUpliftFactorContentsPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Inflation uplift factor percentage for contents"@en ; rdfs:isDefinedBy . pandc:inflationUpliftFactorStockPct a owl:DatatypeProperty ; rdfs:label "inflationUpliftFactorStockPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "The inflation uplift factor percentage applied to the stock declared value when computing inflated TIV for stock (invent"@en ; rdfs:isDefinedBy . pandc:insurableObjectDescription a owl:DatatypeProperty ; rdfs:label "insurableObjectDescription"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range xsd:string ; skos:definition "Human-readable description of the insurable object"@en ; rdfs:isDefinedBy . pandc:insurableObjectId a owl:DatatypeProperty ; rdfs:label "insurableObjectId"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the insurable object"@en ; rdfs:isDefinedBy . pandc:insurableObjectType a owl:DatatypeProperty ; rdfs:label "insurableObjectType"@en ; rdfs:domain pandc:InsurableObject ; rdfs:range xsd:string ; skos:definition "Type discriminator for the insurable object (BUILDING, VEHICLE, EQUIPMENT, etc.)"@en ; rdfs:isDefinedBy . pandc:insuredInterestDescription a owl:DatatypeProperty ; rdfs:label "insuredInterestDescription"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range xsd:string ; skos:definition "Free-text describing what the insured has at risk per cargo section. EXPOSURE attribute — characteristic of the cargo ex"@en ; rdfs:isDefinedBy . pandc:insuredLogisticsServices a owl:DatatypeProperty ; rdfs:label "insuredLogisticsServices"@en ; rdfs:domain pandc:MarineFreightExposure ; rdfs:range xsd:string ; skos:definition "Comma-separated list of logistics service types being insured. Consider future NI enum."@en ; rdfs:isDefinedBy . pandc:insuredValueBasis a owl:DatatypeProperty ; rdfs:label "insuredValueBasis"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range xsd:decimal ; skos:definition "Numeric branch of the composite BasisOfValuation field for cargo. String branch goes to pandc:hasValuationBasis."@en ; rdfs:isDefinedBy . pandc:internationalAddressId a owl:DatatypeProperty ; rdfs:label "internationalAddressId"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key (non-US)."@en ; rdfs:isDefinedBy . pandc:internationalLocationIndicator a owl:DatatypeProperty ; rdfs:label "internationalLocationIndicator"@en ; rdfs:domain pandc:Location ; rdfs:range xsd:string ; skos:definition "Indicator denoting that the location is situated outside the home country (United States), triggering foreign property /"@en ; rdfs:isDefinedBy . pandc:internationalOperationIndicator a owl:DatatypeProperty ; rdfs:label "internationalOperationIndicator"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Boolean indicator denoting that the insured conducts business operations, sales, or services outside its home country, t"@en ; rdfs:isDefinedBy . ins:isActive a owl:DatatypeProperty ; rdfs:label "isActive"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether address is currently active"@en ; rdfs:isDefinedBy . pandc:isAlternateOption a owl:DatatypeProperty ; rdfs:label "isAlternateOption"@en ; rdfs:domain pandc:ExtendedReportingPeriodOffer ; rdfs:range xsd:boolean ; skos:definition "Boolean flag distinguishing discovery-period offer B (insurer-refused-to-renew variant, true) from offer A (false)."@en ; rdfs:isDefinedBy . pandc:isAutoIncluded a owl:DatatypeProperty ; rdfs:label "isAutoIncluded"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range xsd:boolean ; skos:definition "Whether this coverage is automatically included in the line of business"@en ; rdfs:isDefinedBy . pandc:isBarrierIsland a owl:DatatypeProperty ; rdfs:label "isBarrierIsland"@en ; rdfs:domain pandc:CoastalZoneAssessment ; rdfs:range xsd:boolean ; skos:definition "Whether location is on a barrier island"@en ; rdfs:isDefinedBy . pandc:isBaseCoverage a owl:DatatypeProperty ; rdfs:label "isBaseCoverage"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:boolean ; skos:definition "Indicates if this is foundation coverage for product"@en ; rdfs:isDefinedBy . pandc:isBlanketCoverage a owl:DatatypeProperty ; rdfs:label "isBlanketCoverage"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:boolean ; skos:definition "Whether this risk-level coverage is part of a blanket limit across multiple locations"@en ; rdfs:isDefinedBy . ins:isCatastropheRelated a owl:DatatypeProperty ; rdfs:label "isCatastropheRelated"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether claim is part of a declared catastrophe event"@en ; rdfs:isDefinedBy . pandc:isCurrentVersion a owl:DatatypeProperty ; rdfs:label "isCurrentVersion"@en ; rdfs:domain pandc:RatingPlanVersion ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Indicates whether this is the currently active version of the rating plan"@en ; rdfs:isDefinedBy . pandc:isDefault a owl:DatatypeProperty ; rdfs:label "isDefault"@en ; rdfs:domain pandc:DeductibleOption ; rdfs:range xsd:boolean ; skos:definition "Indicates if this option is pre-selected by default"@en ; rdfs:isDefinedBy . pandc:isDefaultSelected a owl:DatatypeProperty ; rdfs:label "isDefaultSelected"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:boolean ; skos:definition "Indicates if coverage is pre-selected in quote UI"@en ; rdfs:isDefinedBy . ins:isLitigated a owl:DatatypeProperty ; rdfs:label "isLitigated"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether the claim is in litigation"@en ; rdfs:isDefinedBy . ins:isMandatory a owl:DatatypeProperty ; rdfs:label "isMandatory"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Endorsement pandc:CoverageDefinition ) ] ; rdfs:range xsd:boolean ; skos:definition "Indicates if coverage must be included in every policy"@en ; rdfs:isDefinedBy . ins:isNonProfit a owl:DatatypeProperty ; rdfs:label "isNonProfit"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether the organization is a non-profit entity"@en ; rdfs:isDefinedBy . ins:isPreferred a owl:DatatypeProperty ; rdfs:label "isPreferred"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:boolean ; skos:definition "Whether this is the preferred contact method"@en ; rdfs:isDefinedBy . ins:isPrimary a owl:DatatypeProperty ; rdfs:label "isPrimary"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether this is the primary address of its type for the party"@en ; rdfs:isDefinedBy . ins:isPrimaryIdentifier a owl:DatatypeProperty ; rdfs:label "isPrimaryIdentifier"@en ; rdfs:domain ins:PartyIdentifier ; rdfs:range xsd:boolean ; skos:definition "Indicates if this is the primary identifier for the system"@en ; rdfs:isDefinedBy . ins:isPrimaryQuoteOptionIndicator a owl:DatatypeProperty ; rdfs:label "isPrimaryQuoteOptionIndicator"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:boolean ; skos:definition "Boolean flag identifying this quote as the main/primary option in a multi-quote workflow. Source field: FLDO.isMainOptio"@en ; rdfs:isDefinedBy . ins:isRequired a owl:DatatypeProperty ; rdfs:label "isRequired"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:boolean ; skos:definition "Whether this attachment is required for underwriting to proceed with the submission"@en ; rdfs:isDefinedBy . ins:isSharedLimit a owl:DatatypeProperty ; rdfs:label "isSharedLimit"@en ; rdfs:domain ins:Limit ; rdfs:range xsd:boolean ; skos:definition "Whether this limit is shared across multiple coverages or locations"@en ; rdfs:isDefinedBy . pandc:isStandalone a owl:DatatypeProperty ; rdfs:label "isStandalone"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:boolean ; skos:definition "Indicates if product can be sold independently"@en ; rdfs:isDefinedBy . ins:isStateRequired a owl:DatatypeProperty ; rdfs:label "isStateRequired"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:boolean ; skos:definition "Whether this endorsement is required by state regulation"@en ; rdfs:isDefinedBy . ins:isSuspensive a owl:DatatypeProperty ; rdfs:label "isSuspensive"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:boolean ; skos:definition "Whether this is a suspensive condition"@en ; rdfs:isDefinedBy . pandc:isTaxExempt a owl:DatatypeProperty ; rdfs:label "isTaxExempt"@en ; rdfs:domain pandc:Tax ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating this tax instance is exempt for the insured or jurisdiction. Source fields: GSTExempt, StampDuty"@en ; rdfs:isDefinedBy . pandc:isTaxOverridden a owl:DatatypeProperty ; rdfs:label "isTaxOverridden"@en ; rdfs:domain pandc:Tax ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating the GST amount has been manually overridden. Source field: FLDO.GSTOverride."@en ; rdfs:isDefinedBy . ins:isUltimateParent a owl:DatatypeProperty ; rdfs:label "isUltimateParent"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Boolean flag indicating this organization is the ultimate parent (top of the corporate hierarchy)"@en ; rdfs:isDefinedBy . ins:isValidated a owl:DatatypeProperty ; rdfs:label "isValidated"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether address has been validated"@en ; rdfs:isDefinedBy . ins:isWarranty a owl:DatatypeProperty ; rdfs:label "isWarranty"@en ; rdfs:domain ins:Condition ; rdfs:range xsd:boolean ; skos:definition "Whether this condition is a warranty"@en ; rdfs:isDefinedBy . pandc:isoClassCode a owl:DatatypeProperty ; rdfs:label "isoClassCode"@en ; rdfs:domain pandc:ISOClassCode ; rdfs:range xsd:string ; skos:definition "5-digit Insurance Services Office classification code"@en ; rdfs:isDefinedBy . ins:isoCode a owl:DatatypeProperty ; rdfs:label "isoCode"@en ; rdfs:domain ins:ISOClassCode ; rdfs:range xsd:string ; skos:definition "ISO standard classification code"@en ; rdfs:isDefinedBy . ins:isoFormNumberEndorsement a owl:DatatypeProperty ; rdfs:label "isoFormNumberEndorsement"@en ; rdfs:domain ins:Endorsement ; rdfs:range xsd:string ; skos:definition "ISO standard form number for this endorsement"@en ; rdfs:isDefinedBy . pandc:ivDeclaredValue a owl:DatatypeProperty ; rdfs:label "ivDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for Increased Value (IV)."@en ; rdfs:isDefinedBy . pandc:judgementExportPremiumIndicator a owl:DatatypeProperty ; rdfs:label "judgementExportPremiumIndicator"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Indicator denoting that an underwriter judgement (debit/credit) premium adjustment has been applied for the insured's ex"@en ; rdfs:isDefinedBy . ins:judgementSummaryOpenFilingsCount a owl:DatatypeProperty ; rdfs:label "judgementSummaryOpenFilingsCount"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Number of open judgment filings"@en ; rdfs:isDefinedBy . pandc:judgementTravelPremiumIndicator a owl:DatatypeProperty ; rdfs:label "judgementTravelPremiumIndicator"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Indicator denoting that an underwriter judgement (debit/credit) premium adjustment has been applied for the insured's fo"@en ; rdfs:isDefinedBy . ins:largestSingleLoss a owl:DatatypeProperty ; rdfs:label "largestSingleLoss"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Incurred amount of the largest individual claim in the history period, used for shock-loss analysis"@en ; rdfs:isDefinedBy . ins:lastExternalDataVendorRefreshDate a owl:DatatypeProperty ; rdfs:label "lastExternalDataVendorRefreshDate"@en ; rdfs:domain ins:Submission ; rdfs:range xsd:dateTime ; skos:definition "Vendor-agnostic timestamp of the last external data vendor refresh (BVD = Bureau van Dijk, pending Q-VEN-1). Source fiel"@en ; rdfs:isDefinedBy . pandc:lastLossControlDate a owl:DatatypeProperty ; rdfs:label "lastLossControlDate"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date of last loss control visit"@en ; rdfs:isDefinedBy . ins:lastName a owl:DatatypeProperty ; rdfs:label "lastName"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Person's last/family name"@en ; rdfs:isDefinedBy . ins:lastVerifiedDate a owl:DatatypeProperty ; rdfs:label "lastVerifiedDate"@en ; rdfs:domain ins:Party ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date when party data was last verified"@en ; rdfs:isDefinedBy . ins:latestRenewalEffectiveDate a owl:DatatypeProperty ; rdfs:label "latestRenewalEffectiveDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Effective date of the most recent renewal of the policy associated with the quote; populated when the quote represents a"@en ; rdfs:isDefinedBy . ins:legalEntityType a owl:DatatypeProperty ; rdfs:label "legalEntityType"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Type of legal entity (CORPORATION, LLC, PARTNERSHIP, etc.)"@en ; rdfs:isDefinedBy . pandc:liabilityExposureId a owl:DatatypeProperty ; rdfs:label "liabilityExposureId"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Unique identifier for this liability exposure"@en ; rdfs:isDefinedBy . ins:licenseExpirationDate a owl:DatatypeProperty ; rdfs:label "licenseExpirationDate"@en ; rdfs:domain ins:Person ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date license expires"@en ; rdfs:isDefinedBy . ins:licenseNumber a owl:DatatypeProperty ; rdfs:label "licenseNumber"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Professional license number for agents/brokers"@en ; rdfs:isDefinedBy . ins:licenseState a owl:DatatypeProperty ; rdfs:label "licenseState"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "State of license issuance"@en ; rdfs:isDefinedBy . ins:lienSummaryOpenFilingsCount a owl:DatatypeProperty ; rdfs:label "lienSummaryOpenFilingsCount"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Number of open lien filings"@en ; rdfs:isDefinedBy . ins:lifeScienceIndicator a owl:DatatypeProperty ; rdfs:label "lifeScienceIndicator"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether the risk involves life science operations"@en ; rdfs:isDefinedBy . ins:limitAmount a owl:DatatypeProperty ; rdfs:label "limitAmount"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Limit pandc:LimitOption ) ] ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Coverage limit value in dollars"@en ; rdfs:isDefinedBy . ins:limitAppliesTo a owl:DatatypeProperty ; rdfs:label "limitAppliesTo"@en ; rdfs:domain ins:Limit ; rdfs:range xsd:string ; skos:definition "What the limit applies to (coverage, location, etc.)"@en ; rdfs:isDefinedBy . ins:limitBasis a owl:DatatypeProperty ; rdfs:label "limitBasis"@en ; rdfs:domain ins:Limit ; rdfs:range xsd:string ; skos:definition "Basis on which the limit applies"@en ; rdfs:isDefinedBy . ins:limitId a owl:DatatypeProperty ; rdfs:label "limitId"@en ; rdfs:domain ins:Limit ; rdfs:range xsd:string ; skos:definition "Unique identifier for this limit"@en ; rdfs:isDefinedBy . pandc:limitProvisionId a owl:DatatypeProperty ; rdfs:label "limitProvisionId"@en ; rdfs:domain pandc:LimitProvision ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . ins:limitTypeCode a owl:DatatypeProperty ; rdfs:label "limitTypeCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Limit pandc:LimitProvision ) ] ; rdfs:range xsd:string ; skos:definition "Parallel to pandc:deductibleTypeCode."@en ; rdfs:isDefinedBy . pandc:liquefactionSusceptibility a owl:DatatypeProperty ; rdfs:label "liquefactionSusceptibility"@en ; rdfs:domain pandc:EarthquakeAssessment ; rdfs:range xsd:string ; skos:definition "Soil liquefaction risk level (VERY_LOW to VERY_HIGH)"@en ; rdfs:isDefinedBy . pandc:liquorLiabilityFlag a owl:DatatypeProperty ; rdfs:label "liquorLiabilityFlag"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Whether liquor liability exposure exists"@en ; rdfs:isDefinedBy . pandc:litigationDateIsPriorExpiryIndicator a owl:DatatypeProperty ; rdfs:label "litigationDateIsPriorExpiryIndicator"@en ; rdfs:domain pandc:LitigationRiskAssessment ; rdfs:range xsd:boolean ; skos:definition "Boolean: the relevant litigation date is the prior policy expiry. Source field: FLDO.PendingOrPriorLitigationDateExpiry."@en ; rdfs:isDefinedBy . pandc:litigationEnvironmentFactor a owl:DatatypeProperty ; rdfs:label "litigationEnvironmentFactor"@en ; rdfs:domain pandc:GLTerritoryFactor ; rdfs:range xsd:decimal ; skos:definition "Adjustment for jurisdiction's legal climate affecting GL claim severity"@en ; rdfs:isDefinedBy . ins:localCurrencyCode a owl:DatatypeProperty ; rdfs:label "localCurrencyCode"@en ; rdfs:domain ins:ForeignExchangeRate ; rdfs:range xsd:string ; skos:definition "ISO 4217 code of the source (local) currency being converted from (e.g. GBP)."@en ; rdfs:isDefinedBy . pandc:localNationalExposureType a owl:DatatypeProperty ; rdfs:label "localNationalExposureType"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Classification of exposure attributable to local nationals (citizens of a foreign country employed by, or acting on beha"@en ; rdfs:isDefinedBy . pandc:locationDunsNumber a owl:DatatypeProperty ; rdfs:label "locationDunsNumber"@en ; rdfs:domain pandc:Location ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Dun & Bradstreet number for the specific business establishment at this location (9 digits)"@en ; rdfs:isDefinedBy . pandc:locationFactor a owl:DatatypeProperty ; rdfs:label "locationFactor"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:decimal ; skos:definition "Overall location rating factor applied to base rates"@en ; rdfs:isDefinedBy . pandc:locationTaxAmount a owl:DatatypeProperty ; rdfs:label "locationTaxAmount"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Calculated tax amount for this location tax entry"@en ; rdfs:isDefinedBy . pandc:lohDeclaredValue a owl:DatatypeProperty ; rdfs:label "lohDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for Loss of Hire (LoH)."@en ; rdfs:isDefinedBy . ins:longTermAgreementDate a owl:DatatypeProperty ; rdfs:label "longTermAgreementDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "The expiry date of a Long Term Agreement (LTA) — the agreed period over which Chubb has committed to renew the policy on"@en ; rdfs:isDefinedBy . ins:lossClaimNumber a owl:DatatypeProperty ; rdfs:label "lossClaimNumber"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the loss record within the loss history"@en ; rdfs:isDefinedBy . ins:lossDescription a owl:DatatypeProperty ; rdfs:label "lossDescription"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; skos:definition "Narrative description of the loss event and circumstances"@en ; rdfs:isDefinedBy . ins:lossFreeYears a owl:DatatypeProperty ; rdfs:label "lossFreeYears"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:integer ; skos:definition "Number of years without insurance losses"@en ; rdfs:isDefinedBy . ins:lossInsurer a owl:DatatypeProperty ; rdfs:label "lossInsurer"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; skos:definition "Name of the insurance carrier that covered the loss"@en ; rdfs:isDefinedBy . ins:lossNumber a owl:DatatypeProperty ; rdfs:label "lossNumber"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the loss record within the loss history"@en ; rdfs:isDefinedBy . ins:lossPolicyEndDate a owl:DatatypeProperty ; rdfs:label "lossPolicyEndDate"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Expiration date of the policy under which the loss occurred"@en ; rdfs:isDefinedBy . ins:lossPolicyNumber a owl:DatatypeProperty ; rdfs:label "lossPolicyNumber"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Policy number under which the loss was reported"@en ; rdfs:isDefinedBy . ins:lossPolicyStartDate a owl:DatatypeProperty ; rdfs:label "lossPolicyStartDate"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Effective date of the policy under which the loss occurred"@en ; rdfs:isDefinedBy . ins:lossRunDate a owl:DatatypeProperty ; rdfs:label "lossRunDate"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "As-of date when the loss run report was pulled from the prior carrier"@en ; rdfs:isDefinedBy . ins:lossState a owl:DatatypeProperty ; rdfs:label "lossState"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "US state code where the loss occurred"@en ; rdfs:isDefinedBy . pandc:managementTurnoverRate a owl:DatatypeProperty ; rdfs:label "managementTurnoverRate"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:decimal ; skos:definition "Management turnover rate as a decimal. Source field: FLEPL.ManagementTurnover (Q-RT-2)."@en ; rdfs:isDefinedBy . pandc:manualPremium a owl:DatatypeProperty ; rdfs:label "manualPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Premium calculated by applying base rates to exposure amounts before any rating factors"@en ; rdfs:isDefinedBy . pandc:manufacturingSquareFootage a owl:DatatypeProperty ; rdfs:label "manufacturingSquareFootage"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:integer ; skos:definition "Manufacturing area square footage"@en ; rdfs:isDefinedBy . ins:maritalStatus a owl:DatatypeProperty ; rdfs:label "maritalStatus"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Marital-status code for a Person (single, married, divorced, widowed)."@en ; rdfs:isDefinedBy . ins:marketingProgramCode a owl:DatatypeProperty ; rdfs:label "marketingProgramCode"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Code identifying the marketing, distribution, affinity, or producer program under which the quote is being written (e.g."@en ; rdfs:isDefinedBy . ins:matchScore a owl:DatatypeProperty ; rdfs:label "matchScore"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:AddressValidation pandc:StandardizedAddress ) ] ; rdfs:range xsd:decimal ; skos:definition "Confidence score (0-100) for address matching"@en ; rdfs:isDefinedBy . ins:maxAcceptableExposure a owl:DatatypeProperty ; rdfs:label "maxAcceptableExposure"@en ; rdfs:domain ins:RiskAppetite ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:maxSpeed a owl:DatatypeProperty ; rdfs:label "maxSpeed"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:decimal ; skos:definition "Maximum vessel speed. RATING VARIABLE. Source field: MaxSpeed (field 182). Decision: NW. Pair with pandc:maxSpeedUnit fo"@en ; rdfs:isDefinedBy . pandc:maximumDeductible a owl:DatatypeProperty ; rdfs:label "maximumDeductible"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Maximum allowed deductible"@en ; rdfs:isDefinedBy . pandc:maximumDeductionAmount a owl:DatatypeProperty ; rdfs:label "maximumDeductionAmount"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Maximum monetary deduction amount defined on a Coverage Definition. Source field: Maximum Amount (KUKUMD)."@en ; rdfs:isDefinedBy . pandc:maximumEmployees a owl:DatatypeProperty ; rdfs:label "maximumEmployees"@en ; rdfs:domain pandc:EligibilityCriteria ; rdfs:range xsd:integer ; skos:definition "Maximum employee count for product eligibility"@en ; rdfs:isDefinedBy . pandc:maximumInsuredValue a owl:DatatypeProperty ; rdfs:label "maximumInsuredValue"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:decimal ; skos:definition "Maximum total insured value allowed for product"@en ; rdfs:isDefinedBy . pandc:maximumLimit a owl:DatatypeProperty ; rdfs:label "maximumLimit"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:CoverageDefinition pandc:LimitProvision ) ] ; rdfs:range xsd:decimal ; skos:definition "Maximum allowed coverage limit"@en ; rdfs:isDefinedBy . pandc:maximumLocations a owl:DatatypeProperty ; rdfs:label "maximumLocations"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:integer ; skos:definition "Maximum number of insured locations allowed"@en ; rdfs:isDefinedBy . pandc:maximumRevenue a owl:DatatypeProperty ; rdfs:label "maximumRevenue"@en ; rdfs:domain pandc:EligibilityCriteria ; rdfs:range xsd:decimal ; skos:definition "Maximum annual revenue for product eligibility"@en ; rdfs:isDefinedBy . pandc:maximumSublimitAmount a owl:DatatypeProperty ; rdfs:label "maximumSublimitAmount"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "The maximum allowed sublimit amount for this coverage definition. Applies as a product-level guardrail on the sublimit s"@en ; rdfs:isDefinedBy . pandc:mechanicalRateChangeGross a owl:DatatypeProperty ; rdfs:label "mechanicalRateChangeGross"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Gross mechanical rate change percentage (exposure-unadjusted)"@en ; rdfs:isDefinedBy . pandc:mechanicalRateChangeNet a owl:DatatypeProperty ; rdfs:label "mechanicalRateChangeNet"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Net mechanical rate change percentage after adjustments"@en ; rdfs:isDefinedBy . pandc:medicalDeductible a owl:DatatypeProperty ; rdfs:label "medicalDeductible"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Medical expense deductible amount"@en ; rdfs:isDefinedBy . pandc:medicalExpenseLimit a owl:DatatypeProperty ; rdfs:label "medicalExpenseLimit"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Medical expense coverage limit"@en ; rdfs:isDefinedBy . pandc:meritRatingCredit a owl:DatatypeProperty ; rdfs:label "meritRatingCredit"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Merit rating credit percentage for safety programs"@en ; rdfs:isDefinedBy . ins:middleName a owl:DatatypeProperty ; rdfs:label "middleName"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Person's middle name"@en ; rdfs:isDefinedBy . pandc:miiDeclaredValue a owl:DatatypeProperty ; rdfs:label "miiDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for Mortgage Interest Insurance (MII)."@en ; rdfs:isDefinedBy . ins:mimeType a owl:DatatypeProperty ; rdfs:label "mimeType"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:string ; skos:definition "Internet media type of the file (e.g., application/pdf, image/jpeg)"@en ; rdfs:isDefinedBy . pandc:minimumDeductible a owl:DatatypeProperty ; rdfs:label "minimumDeductible"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Minimum allowed deductible"@en ; rdfs:isDefinedBy . pandc:minimumDeductionAmount a owl:DatatypeProperty ; rdfs:label "minimumDeductionAmount"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "Minimum monetary deduction amount defined on a Coverage Definition. Source field: Minimum Amount (KUKUND)."@en ; rdfs:isDefinedBy . pandc:minimumEmployees a owl:DatatypeProperty ; rdfs:label "minimumEmployees"@en ; rdfs:domain pandc:EligibilityCriteria ; rdfs:range xsd:integer ; skos:definition "Minimum employee count for product eligibility"@en ; rdfs:isDefinedBy . pandc:minimumLimit a owl:DatatypeProperty ; rdfs:label "minimumLimit"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:CoverageDefinition pandc:LimitProvision ) ] ; rdfs:range xsd:decimal ; skos:definition "Minimum allowed coverage limit"@en ; rdfs:isDefinedBy . pandc:minimumPremium a owl:DatatypeProperty ; rdfs:label "minimumPremium"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:decimal ; skos:definition "Minimum premium threshold for product regardless of exposure"@en ; rdfs:isDefinedBy . pandc:minimumPremiumAmount a owl:DatatypeProperty ; rdfs:label "minimumPremiumAmount"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; skos:definition "The minimum premium threshold"@en ; rdfs:isDefinedBy . pandc:minimumPremiumApplied a owl:DatatypeProperty ; rdfs:label "minimumPremiumApplied"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:boolean ; skos:definition "Indicates whether minimum premium was substituted"@en ; rdfs:isDefinedBy . pandc:minimumRateOnLine a owl:DatatypeProperty ; rdfs:label "minimumRateOnLine"@en ; rdfs:domain pandc:RatingPlan ; rdfs:range xsd:decimal ; skos:definition "The minimum rate on line (minimum premium as a percentage of the insured limit) applied as a pricing floor for this rati"@en ; rdfs:isDefinedBy . pandc:minimumRevenue a owl:DatatypeProperty ; rdfs:label "minimumRevenue"@en ; rdfs:domain pandc:EligibilityCriteria ; rdfs:range xsd:decimal ; skos:definition "Minimum annual revenue for product eligibility"@en ; rdfs:isDefinedBy . pandc:minimumSublimitAmount a owl:DatatypeProperty ; rdfs:label "minimumSublimitAmount"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:decimal ; skos:definition "The minimum allowed sublimit amount for this coverage definition. Applies as a product-level guardrail on the sublimit s"@en ; rdfs:isDefinedBy . pandc:modificationEffectiveDate a owl:DatatypeProperty ; rdfs:label "modificationEffectiveDate"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the modification becomes effective for premium calculation"@en ; rdfs:isDefinedBy . pandc:modificationExpirationDate a owl:DatatypeProperty ; rdfs:label "modificationExpirationDate"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date when the modification expires"@en ; rdfs:isDefinedBy . pandc:modificationJustification a owl:DatatypeProperty ; rdfs:label "modificationJustification"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business justification text explaining the rationale for applying this modification"@en ; rdfs:isDefinedBy . pandc:modificationValue a owl:DatatypeProperty ; rdfs:label "modificationValue"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The numeric value of the modification"@en ; rdfs:isDefinedBy . ins:modifiedBy a owl:DatatypeProperty ; rdfs:label "modifiedBy"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Name of the last person who made a change to this quote"@en ; rdfs:isDefinedBy . ins:modifiedDate a owl:DatatypeProperty ; rdfs:label "modifiedDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "Latest revision date showing when the most recent change was made"@en ; rdfs:isDefinedBy . pandc:modifiedPremium a owl:DatatypeProperty ; rdfs:label "modifiedPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; skos:definition "Premium after application of all rating factors and modifiers"@en ; rdfs:isDefinedBy . pandc:modifierCode a owl:DatatypeProperty ; rdfs:label "modifierCode"@en ; rdfs:domain pandc:RatingModifier ; rdfs:range xsd:string ; skos:definition "Unique identifier for the rating modifier"@en ; rdfs:isDefinedBy . pandc:modifierName a owl:DatatypeProperty ; rdfs:label "modifierName"@en ; rdfs:domain pandc:RatingModifier ; rdfs:range xsd:string ; skos:definition "Descriptive name of the modifier"@en ; rdfs:isDefinedBy . pandc:modifierValue a owl:DatatypeProperty ; rdfs:label "modifierValue"@en ; rdfs:domain pandc:RatingModifier ; rdfs:range xsd:decimal ; skos:definition "The numeric adjustment value (percentage or flat amount)"@en ; rdfs:isDefinedBy . ins:mostRecentPolicyInceptionDate a owl:DatatypeProperty ; rdfs:label "mostRecentPolicyInceptionDate"@en ; rdfs:domain ins:Party ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the party's most recent insurance policy with Chubb became effective"@en ; rdfs:isDefinedBy . ins:multiQuoteOptionSequence a owl:DatatypeProperty ; rdfs:label "multiQuoteOptionSequence"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:integer ; skos:definition "Integer sequence number for a quote option in a multi-quote set (values 1, 2, ...). Source field: FLDO.MultiQuoteOption"@en ; rdfs:isDefinedBy . ins:multinationalPolicyCode a owl:DatatypeProperty ; rdfs:label "multinationalPolicyCode"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "The identifier linking this local policy to its parent multinational programme. Enables grouping of local policies under"@en ; rdfs:isDefinedBy . ins:multinationalProgrammeIndicator a owl:DatatypeProperty ; rdfs:label "multinationalProgrammeIndicator"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Multinational programme indicator code (e.g. Master, Local, Admitted)"@en ; rdfs:isDefinedBy . pandc:naicCompanyCode a owl:DatatypeProperty ; rdfs:label "naicCompanyCode"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range xsd:string ; skos:definition "National Association of Insurance Commissioners company identifier"@en ; rdfs:isDefinedBy . ins:naicsCode a owl:DatatypeProperty ; rdfs:label "naicsCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:NAICSCode ins:Organization pandc:NAICSCode ) ] ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "North American Industry Classification System code (6 digits)"@en ; rdfs:isDefinedBy . pandc:naicsDescription a owl:DatatypeProperty ; rdfs:label "naicsDescription"@en ; rdfs:domain pandc:NAICSCode ; rdfs:range xsd:string ; skos:definition "Human-readable description associated with the NAICS code (e.g., 'Fabricated Structural Metal Manufacturing' for 332312)"@en ; rdfs:isDefinedBy . ins:nameSuffix a owl:DatatypeProperty ; rdfs:label "nameSuffix"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Name suffix (Jr., III, etc.)"@en ; rdfs:isDefinedBy . ins:negativePaymentsCount a owl:DatatypeProperty ; rdfs:label "negativePaymentsCount"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Count of negative payment experiences"@en ; rdfs:isDefinedBy . ins:newlineEffDate a owl:DatatypeProperty ; rdfs:label "newlineEffDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Effective date for a newly added line of business mid-term within an existing package quote; used when a line is added a"@en ; rdfs:isDefinedBy . pandc:noPendingOrPriorLitigationIndicator a owl:DatatypeProperty ; rdfs:label "noPendingOrPriorLitigationIndicator"@en ; rdfs:domain pandc:LitigationRiskAssessment ; rdfs:range xsd:boolean ; skos:definition "Boolean: clean submission with no litigation to disclose. Source field: FLDO.PendingOrPriorLitigationNA."@en ; rdfs:isDefinedBy . ins:nonRenewableIndicator a owl:DatatypeProperty ; rdfs:label "nonRenewableIndicator"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether this quote or policy is flagged as non-renewable"@en ; rdfs:isDefinedBy . pandc:nonStandardWordingIndicator a owl:DatatypeProperty ; rdfs:label "nonStandardWordingIndicator"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating non-standard policy wording is in use. Source field: FLDO.NonStandardWording."@en ; rdfs:isDefinedBy . ra:normalizedScore a owl:DatatypeProperty ; rdfs:label "normalizedScore"@en ; rdfs:domain ra:RiskObservation ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Normalized numeric score (0-100) for cross-indicator comparison"@en ; rdfs:isDefinedBy . ins:numberOfClaims a owl:DatatypeProperty ; rdfs:label "numberOfClaims"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Total count of claims across the loss history period"@en ; rdfs:isDefinedBy . ins:numberOfClosedClaims a owl:DatatypeProperty ; rdfs:label "numberOfClosedClaims"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Count of claims settled or closed as of the loss run date"@en ; rdfs:isDefinedBy . pandc:numberOfDays a owl:DatatypeProperty ; rdfs:label "numberOfDays"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:integer ; skos:definition "The number of days associated with a time-based feature of the coverage (e.g., waiting period, extended period of indemn"@en ; rdfs:isDefinedBy . ins:numberOfEmployees a owl:DatatypeProperty ; rdfs:label "numberOfEmployees"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Organization pandc:GLExposure ) ] ; rdfs:range xsd:integer ; skos:definition "Total number of employees"@en ; rdfs:isDefinedBy . ins:numberOfLocations a owl:DatatypeProperty ; rdfs:label "numberOfLocations"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Organization pandc:GLExposure ) ] ; rdfs:range xsd:integer ; skos:definition "Number of business locations"@en ; rdfs:isDefinedBy . ins:numberOfLossFreeYears a owl:DatatypeProperty ; rdfs:label "numberOfLossFreeYears"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Count of consecutive years within the history period with no reported claims"@en ; rdfs:isDefinedBy . ins:numberOfOpenClaims a owl:DatatypeProperty ; rdfs:label "numberOfOpenClaims"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Count of claims currently open as of the loss run date"@en ; rdfs:isDefinedBy . pandc:numberOfStories a owl:DatatypeProperty ; rdfs:label "numberOfStories"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; skos:definition "Total number of above-ground floors"@en ; rdfs:isDefinedBy . pandc:numberOfTrips a owl:DatatypeProperty ; rdfs:label "numberOfTrips"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:integer ; skos:definition "Count of business trips taken outside the home country during the policy period; used as the exposure basis for foreign-"@en ; rdfs:isDefinedBy . ins:numberOfUpdates a owl:DatatypeProperty ; rdfs:label "numberOfUpdates"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:nonNegativeInteger ; a owl:FunctionalProperty ; skos:definition "Count of material updates made to this quote after initial creation"@en ; rdfs:isDefinedBy . pandc:numberofEmployee a owl:DatatypeProperty ; rdfs:label "numberofEmployee"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:integer ; skos:definition "Count of employees used as the exposure / rating basis for the coverage (typically EPLI, EBL, workers compensation, or o"@en ; rdfs:isDefinedBy . pandc:numberofEmployees a owl:DatatypeProperty ; rdfs:label "numberofEmployees"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:integer ; skos:definition "Count of employees used as the exposure / rating basis for the coverage (typically EPLI, EBL, workers compensation, or o"@en ; rdfs:isDefinedBy . ra:observedDate a owl:DatatypeProperty ; rdfs:label "observedDate"@en ; rdfs:domain ra:RiskObservation ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "Date and time observation was recorded or analysis was run"@en ; rdfs:isDefinedBy . pandc:occupancyType a owl:DatatypeProperty ; rdfs:label "occupancyType"@en ; rdfs:domain pandc:PropertyOccupancyClass ; rdfs:range xsd:string ; skos:definition "Building use classification for property rating based on hazard level"@en ; rdfs:isDefinedBy . pandc:occupationalHealthAndSafetyIndicator a owl:DatatypeProperty ; rdfs:label "occupationalHealthAndSafetyIndicator"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating whether the insured has an occupational health and safety (OHS) policy or programme in place. Fo"@en ; rdfs:isDefinedBy . pandc:officeSquareFootage a owl:DatatypeProperty ; rdfs:label "officeSquareFootage"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:integer ; skos:definition "Office area square footage"@en ; rdfs:isDefinedBy . ins:openLawsuitFilingsCount a owl:DatatypeProperty ; rdfs:label "openLawsuitFilingsCount"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Number of open lawsuit filings"@en ; rdfs:isDefinedBy . pandc:operatingMonths a owl:DatatypeProperty ; rdfs:label "operatingMonths"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; skos:definition "Months of operation for seasonal businesses"@en ; rdfs:isDefinedBy . pandc:ordinanceLawExclusion a owl:DatatypeProperty ; rdfs:label "ordinanceLawExclusion"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:string ; skos:definition "Indicator denoting that Ordinance or Law coverage (Coverage A: Loss to Undamaged Portion, Coverage B: Demolition Cost, C"@en ; rdfs:isDefinedBy . pandc:ordinanceLawValue a owl:DatatypeProperty ; rdfs:label "ordinanceLawValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Estimated increased cost due to building code compliance requirements"@en ; rdfs:isDefinedBy . pandc:otherConveyanceModeDescription a owl:DatatypeProperty ; rdfs:label "otherConveyanceModeDescription"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range xsd:string ; skos:definition "Free-text override for ShipmentType when value = 'Other'."@en ; rdfs:isDefinedBy . pandc:otherDeclaredValue a owl:DatatypeProperty ; rdfs:label "otherDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for the residual 'Other' hull sub-coverage."@en ; rdfs:isDefinedBy . pandc:overallEmployeeTurnoverRate a owl:DatatypeProperty ; rdfs:label "overallEmployeeTurnoverRate"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:decimal ; skos:definition "Overall employee turnover rate as a decimal. Source field: FLEPL.EmployeeTurnover (Q-RT-2)."@en ; rdfs:isDefinedBy . pandc:overallRiskScore a owl:DatatypeProperty ; rdfs:label "overallRiskScore"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Composite risk score for the risk location aggregating all peril and exposure assessments"@en ; rdfs:isDefinedBy . ins:ownershipPercentage a owl:DatatypeProperty ; rdfs:label "ownershipPercentage"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Percentage of ownership by the parent organization (0.0 to 1.0) in the context of a party relationship"@en ; rdfs:isDefinedBy . ins:ownershipType a owl:DatatypeProperty ; rdfs:label "ownershipType"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Type of ownership (Public, Private, Government, Non-Profit, etc.)"@en ; rdfs:isDefinedBy . ins:paidAmount a owl:DatatypeProperty ; rdfs:label "paidAmount"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Total amount paid to date on this claim"@en ; rdfs:isDefinedBy . ins:parentCompanyRevenueCurrency a owl:DatatypeProperty ; rdfs:label "parentCompanyRevenueCurrency"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Currency code for parent company revenue (ISO 4217)"@en ; rdfs:isDefinedBy . pandc:partTimeEmployeeCount a owl:DatatypeProperty ; rdfs:label "partTimeEmployeeCount"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:integer ; skos:definition "Total part-time employee count on a WorkforceExposure. Source field: FLEPL.PartTimeEmp."@en ; rdfs:isDefinedBy . pandc:partTimeEmployees a owl:DatatypeProperty ; rdfs:label "partTimeEmployees"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:EmployeeClassification pandc:LiabilityExposure ) ] ; rdfs:range xsd:integer ; skos:definition "Number of part-time employees within this employee classification"@en ; rdfs:isDefinedBy . pandc:participatingSharePercentage a owl:DatatypeProperty ; rdfs:label "participatingSharePercentage"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:decimal ; skos:definition "Chubb's participating share of the risk as a percentage of the total insured amount"@en ; rdfs:isDefinedBy . ins:partyCreatedDate a owl:DatatypeProperty ; rdfs:label "partyCreatedDate"@en ; rdfs:domain ins:Party ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the party record was first created in the system"@en ; rdfs:isDefinedBy . ins:partyNumber a owl:DatatypeProperty ; rdfs:label "partyNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique business identifier for the party"@en ; rdfs:isDefinedBy . ins:paymentAmount a owl:DatatypeProperty ; rdfs:label "paymentAmount"@en ; rdfs:domain ins:ClaimPayment ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Amount of this payment"@en ; rdfs:isDefinedBy . ins:paymentDate a owl:DatatypeProperty ; rdfs:label "paymentDate"@en ; rdfs:domain ins:ClaimPayment ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date payment was issued"@en ; rdfs:isDefinedBy . pandc:pendingLitigationDate a owl:DatatypeProperty ; rdfs:label "pendingLitigationDate"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "The prior-and-pending-litigation date for a claims-made coverage — the cut-off date before which known claims or circums"@en ; rdfs:isDefinedBy . pandc:perRiskDeductible a owl:DatatypeProperty ; rdfs:label "perRiskDeductible"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:decimal ; skos:definition "Deductible amount applying to a single risk"@en ; rdfs:isDefinedBy . pandc:perRiskLimit a owl:DatatypeProperty ; rdfs:label "perRiskLimit"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:decimal ; skos:definition "Maximum coverage limit applying to a single risk (location or building)"@en ; rdfs:isDefinedBy . pandc:perilCode a owl:DatatypeProperty ; rdfs:label "perilCode"@en ; rdfs:domain pandc:RiskLocationPeril ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:perilCovered a owl:DatatypeProperty ; rdfs:label "perilCovered"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:string ; skos:definition "Specific insured peril (fire, wind, liability, etc.)"@en ; rdfs:isDefinedBy . pandc:periodOfRestorationMonths a owl:DatatypeProperty ; rdfs:label "periodOfRestorationMonths"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:integer ; skos:definition "Maximum number of months for which Business Income loss will be paid"@en ; rdfs:isDefinedBy . pandc:personalInjuryLimit a owl:DatatypeProperty ; rdfs:label "personalInjuryLimit"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Personal and advertising injury coverage limit"@en ; rdfs:isDefinedBy . pandc:pga a owl:DatatypeProperty ; rdfs:label "pga"@en ; rdfs:domain pandc:EarthquakeAssessment ; rdfs:range xsd:decimal ; skos:definition "Peak ground acceleration in g units for seismic design"@en ; rdfs:isDefinedBy . pandc:piDeclaredValue a owl:DatatypeProperty ; rdfs:label "piDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for Protection & Indemnity (P&I) on hull exposure."@en ; rdfs:isDefinedBy . ins:placementPosition a owl:DatatypeProperty ; rdfs:label "placementPosition"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "The position type in a subscription placement (e.g. Lead, Follow, Co-insurer)"@en ; rdfs:isDefinedBy . pandc:plumbingReplacementYear a owl:DatatypeProperty ; rdfs:label "plumbingReplacementYear"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Year plumbing systems were last replaced"@en ; rdfs:isDefinedBy . pandc:pml100Year a owl:DatatypeProperty ; rdfs:label "pml100Year"@en ; rdfs:domain pandc:PerilAssessment ; rdfs:range xsd:decimal ; skos:definition "Probable Maximum Loss for 100-year return period"@en ; rdfs:isDefinedBy . pandc:pml250Year a owl:DatatypeProperty ; rdfs:label "pml250Year"@en ; rdfs:domain pandc:PerilAssessment ; rdfs:range xsd:decimal ; skos:definition "Probable Maximum Loss for 250-year return period"@en ; rdfs:isDefinedBy . pandc:pml500Year a owl:DatatypeProperty ; rdfs:label "pml500Year"@en ; rdfs:domain pandc:PerilAssessment ; rdfs:range xsd:decimal ; skos:definition "Probable Maximum Loss for 500-year return period"@en ; rdfs:isDefinedBy . pandc:pmlBiLc a owl:DatatypeProperty ; rdfs:label "pmlBiLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Probable maximum loss - business interruption, loss cost"@en ; rdfs:isDefinedBy . pandc:pmlBiPct a owl:DatatypeProperty ; rdfs:label "pmlBiPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "The Probable Maximum Loss for Business Interruption expressed as a percentage of the BI TIV — the underwriter's estimate"@en ; rdfs:isDefinedBy . pandc:pmlPdLc a owl:DatatypeProperty ; rdfs:label "pmlPdLc"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Probable maximum loss - property damage, loss cost"@en ; rdfs:isDefinedBy . pandc:pmlPdPct a owl:DatatypeProperty ; rdfs:label "pmlPdPct"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "The Probable Maximum Loss for Property Damage expressed as a percentage of the PD TIV. Companion to pandc:pmlPdLc (the m"@en ; rdfs:isDefinedBy . ins:policyCancellationDate a owl:DatatypeProperty ; rdfs:label "policyCancellationDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the policy was cancelled, if applicable"@en ; rdfs:isDefinedBy . ins:policyClosingDate a owl:DatatypeProperty ; rdfs:label "policyClosingDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; a owl:FunctionalProperty ; skos:definition "The date the policy closing slip was formally submitted for financial processing and booking. Marks the handoff from und"@en ; rdfs:isDefinedBy . ins:policyEffectiveDate a owl:DatatypeProperty ; rdfs:label "policyEffectiveDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when policy coverage begins"@en ; rdfs:isDefinedBy . ins:policyExpirationDate a owl:DatatypeProperty ; rdfs:label "policyExpirationDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when policy coverage ends"@en ; rdfs:isDefinedBy . ins:policyFormNumber a owl:DatatypeProperty ; rdfs:label "policyFormNumber"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Identifier for the standard policy form used (e.g., CP 00 10)"@en ; rdfs:isDefinedBy . ins:policyInceptionDate a owl:DatatypeProperty ; rdfs:label "policyInceptionDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date the insurance contract was first incepted, unchanged across subsequent renewal terms"@en ; rdfs:isDefinedBy . ins:policyIssueDate a owl:DatatypeProperty ; rdfs:label "policyIssueDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the policy was issued and bound"@en ; rdfs:isDefinedBy . ins:policyLanguage a owl:DatatypeProperty ; rdfs:label "policyLanguage"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Language in which the policy is issued (Danish, Dutch, English, Finnish, Flemish, French, German, Italian, Norwegian, Po"@en ; rdfs:isDefinedBy . ins:policyLanguageCode a owl:DatatypeProperty ; rdfs:label "policyLanguageCode"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "The source code identifying the language in which the policy is issued (e.g., 'FR', 'EN'). Companion to ins:policyLangua"@en ; rdfs:isDefinedBy . pandc:policyLevelLimit a owl:DatatypeProperty ; rdfs:label "policyLevelLimit"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range xsd:decimal ; skos:definition "The total aggregate limit amount applying at the policy level"@en ; rdfs:isDefinedBy . ins:policyNumber a owl:DatatypeProperty ; rdfs:label "policyNumber"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier assigned to the policy by the issuing system"@en ; rdfs:isDefinedBy . ins:policyRenewalDate a owl:DatatypeProperty ; rdfs:label "policyRenewalDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the policy is due for renewal"@en ; rdfs:isDefinedBy . ins:policyType a owl:DatatypeProperty ; rdfs:label "policyType"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Policy type classification"@en ; rdfs:isDefinedBy . ins:policyWording a owl:DatatypeProperty ; rdfs:label "policyWording"@en ; rdfs:domain ins:InsuranceCoverage ; rdfs:range xsd:string ; skos:definition "Policy wording reference text. Source field: Policy Wording (field 100). Decision: NW. Domain corrected from pandc:Insur"@en ; rdfs:isDefinedBy . pandc:postDirectional a owl:DatatypeProperty ; rdfs:label "postDirectional"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:ppcClass a owl:DatatypeProperty ; rdfs:label "ppcClass"@en ; rdfs:domain pandc:PublicProtectionClass ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:ppcGrade a owl:DatatypeProperty ; rdfs:label "ppcGrade"@en ; rdfs:domain pandc:ProtectionClass ; rdfs:range xsd:integer ; skos:definition "The ISO Public Protection Classification grade (1-10)"@en ; rdfs:isDefinedBy . pandc:preDirectional a owl:DatatypeProperty ; rdfs:label "preDirectional"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . ins:preferredContactMethod a owl:DatatypeProperty ; rdfs:label "preferredContactMethod"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Preferred method of contact (PHONE, EMAIL, etc.)"@en ; rdfs:isDefinedBy . ins:preferredContactTime a owl:DatatypeProperty ; rdfs:label "preferredContactTime"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Best time to contact person"@en ; rdfs:isDefinedBy . pandc:premisesArea a owl:DatatypeProperty ; rdfs:label "premisesArea"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:integer ; skos:definition "Total premises area in square feet for area-based rating"@en ; rdfs:isDefinedBy . pandc:premisesOperationsFlag a owl:DatatypeProperty ; rdfs:label "premisesOperationsFlag"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Whether premises/operations exposure exists"@en ; rdfs:isDefinedBy . pandc:premisesOperationsPercentage a owl:DatatypeProperty ; rdfs:label "premisesOperationsPercentage"@en ; rdfs:domain pandc:GLExposureSplit ; rdfs:range xsd:decimal ; skos:definition "Percentage of exposure allocated to premises and operations coverage"@en ; rdfs:isDefinedBy . pandc:premiumExcludingEnsuingFire a owl:DatatypeProperty ; rdfs:label "premiumExcludingEnsuingFire"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Premium component for non-fire terrorism damage (blast, explosion, NBC)"@en ; rdfs:isDefinedBy . ra:previousSurveyDate a owl:DatatypeProperty ; rdfs:label "previousSurveyDate"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date of the previous survey for this location"@en ; rdfs:isDefinedBy . pandc:primaryClassCode a owl:DatatypeProperty ; rdfs:label "primaryClassCode"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Primary ISO/NAICS business classification code"@en ; rdfs:isDefinedBy . pandc:primaryClassDescription a owl:DatatypeProperty ; rdfs:label "primaryClassDescription"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; skos:definition "Description of primary business classification"@en ; rdfs:isDefinedBy . pandc:primaryConstructionPercentage a owl:DatatypeProperty ; rdfs:label "primaryConstructionPercentage"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Percentage of the building's gross area or value attributable to its primary construction type (e.g., 75% masonry where"@en ; rdfs:isDefinedBy . ins:priorCarrier a owl:DatatypeProperty ; rdfs:label "priorCarrier"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "Previous insurance carrier"@en ; rdfs:isDefinedBy . ins:priorLocationCount a owl:DatatypeProperty ; rdfs:label "priorLocationCount"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:integer ; skos:definition "Number of locations covered on the prior / expiring policy at the time the quote is prepared; used to identify schedule"@en ; rdfs:isDefinedBy . ins:priorPolicyEffectiveDate a owl:DatatypeProperty ; rdfs:label "priorPolicyEffectiveDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Effective date of the insured's prior policy"@en ; rdfs:isDefinedBy . ins:priorPolicyExpirationDate a owl:DatatypeProperty ; rdfs:label "priorPolicyExpirationDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Expiration date of the insured's prior policy"@en ; rdfs:isDefinedBy . ins:priorPolicyNumber a owl:DatatypeProperty ; rdfs:label "priorPolicyNumber"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "Previous policy number"@en ; rdfs:isDefinedBy . ins:priorPolicyType a owl:DatatypeProperty ; rdfs:label "priorPolicyType"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "Type of the insured's prior policy"@en ; rdfs:isDefinedBy . ins:proRataDays a owl:DatatypeProperty ; rdfs:label "proRataDays"@en ; rdfs:domain ins:Rating ; rdfs:range xsd:integer ; skos:definition "Number of days used for pro-rata premium calculation within a policy term"@en ; rdfs:isDefinedBy . pandc:productCode a owl:DatatypeProperty ; rdfs:label "productCode"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique business identifier for product used across systems"@en ; rdfs:isDefinedBy . pandc:productDescription a owl:DatatypeProperty ; rdfs:label "productDescription"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "Detailed description of product features and coverage"@en ; rdfs:isDefinedBy . pandc:productName a owl:DatatypeProperty ; rdfs:label "productName"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "Full marketing name of insurance product"@en ; rdfs:isDefinedBy . pandc:productShortName a owl:DatatypeProperty ; rdfs:label "productShortName"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "Abbreviated product name for UI display"@en ; rdfs:isDefinedBy . pandc:productsAggregateLimit a owl:DatatypeProperty ; rdfs:label "productsAggregateLimit"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Products-completed operations aggregate limit"@en ; rdfs:isDefinedBy . pandc:productsCompletedOpsPercentage a owl:DatatypeProperty ; rdfs:label "productsCompletedOpsPercentage"@en ; rdfs:domain pandc:GLExposureSplit ; rdfs:range xsd:decimal ; skos:definition "Percentage of exposure allocated to products and completed operations coverage"@en ; rdfs:isDefinedBy . pandc:productsDeductible a owl:DatatypeProperty ; rdfs:label "productsDeductible"@en ; rdfs:domain pandc:GLCoverage ; rdfs:range xsd:decimal ; skos:definition "Products liability deductible amount"@en ; rdfs:isDefinedBy . pandc:productsOperationsFlag a owl:DatatypeProperty ; rdfs:label "productsOperationsFlag"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Whether products/completed operations exposure exists"@en ; rdfs:isDefinedBy . pandc:professionalLiabilityFlag a owl:DatatypeProperty ; rdfs:label "professionalLiabilityFlag"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Whether professional liability exposure exists"@en ; rdfs:isDefinedBy . ins:programmeType a owl:DatatypeProperty ; rdfs:label "programmeType"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Programme type classification for the policy"@en ; rdfs:isDefinedBy . pandc:projectedExposure a owl:DatatypeProperty ; rdfs:label "projectedExposure"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Projected exposure amount for the upcoming policy period"@en ; rdfs:isDefinedBy . pandc:propertyAgreedValueAvailable a owl:DatatypeProperty ; rdfs:label "propertyAgreedValueAvailable"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:boolean ; skos:definition "Whether agreed value endorsement is available to suspend coinsurance"@en ; rdfs:isDefinedBy . pandc:propertyBlanketCoverageAvailable a owl:DatatypeProperty ; rdfs:label "propertyBlanketCoverageAvailable"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:boolean ; skos:definition "Whether blanket coverage across locations or coverage types is available"@en ; rdfs:isDefinedBy . pandc:propertyBusinessIncomeOption a owl:DatatypeProperty ; rdfs:label "propertyBusinessIncomeOption"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:string ; skos:definition "Default business income coverage structure"@en ; rdfs:isDefinedBy . pandc:propertyConstructionRestrictions a owl:DatatypeProperty ; rdfs:label "propertyConstructionRestrictions"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:string ; skos:definition "Construction class restrictions for eligibility"@en ; rdfs:isDefinedBy . pandc:propertyDefaultCoinsurance a owl:DatatypeProperty ; rdfs:label "propertyDefaultCoinsurance"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:decimal ; skos:definition "Default coinsurance percentage for property coverage"@en ; rdfs:isDefinedBy . pandc:propertyInflationGuardAvailable a owl:DatatypeProperty ; rdfs:label "propertyInflationGuardAvailable"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:boolean ; skos:definition "Whether inflation guard endorsement is available"@en ; rdfs:isDefinedBy . pandc:propertyInflationGuardDefaultPct a owl:DatatypeProperty ; rdfs:label "propertyInflationGuardDefaultPct"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:decimal ; skos:definition "Default annual increase percentage for inflation guard"@en ; rdfs:isDefinedBy . pandc:propertyMaximumBPPValue a owl:DatatypeProperty ; rdfs:label "propertyMaximumBPPValue"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:decimal ; skos:definition "Maximum insurable value for business personal property"@en ; rdfs:isDefinedBy . pandc:propertyMaximumBuildingValue a owl:DatatypeProperty ; rdfs:label "propertyMaximumBuildingValue"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:decimal ; skos:definition "Maximum insurable value for building coverage"@en ; rdfs:isDefinedBy . pandc:propertyMaximumBusinessIncome a owl:DatatypeProperty ; rdfs:label "propertyMaximumBusinessIncome"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:decimal ; skos:definition "Maximum limit for business income coverage"@en ; rdfs:isDefinedBy . pandc:propertyMaximumYearBuilt a owl:DatatypeProperty ; rdfs:label "propertyMaximumYearBuilt"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; skos:definition "Oldest acceptable year of construction"@en ; rdfs:isDefinedBy . pandc:propertyMinimumProtectionClass a owl:DatatypeProperty ; rdfs:label "propertyMinimumProtectionClass"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:integer ; skos:definition "Minimum ISO Public Protection Classification (PPC) required"@en ; rdfs:isDefinedBy . pandc:propertyOccupancyRestrictions a owl:DatatypeProperty ; rdfs:label "propertyOccupancyRestrictions"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:string ; skos:definition "List of prohibited or restricted occupancy codes"@en ; rdfs:isDefinedBy . pandc:propertyOrdinanceCoverageIncluded a owl:DatatypeProperty ; rdfs:label "propertyOrdinanceCoverageIncluded"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:boolean ; skos:definition "Whether ordinance or law coverage is included in base policy"@en ; rdfs:isDefinedBy . pandc:propertyRequiresCOPE a owl:DatatypeProperty ; rdfs:label "propertyRequiresCOPE"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:boolean ; skos:definition "Whether COPE (Construction, Occupancy, Protection, Exposure) assessment is required"@en ; rdfs:isDefinedBy . pandc:propertyRequiresSprinklers a owl:DatatypeProperty ; rdfs:label "propertyRequiresSprinklers"@en ; rdfs:domain pandc:CommercialPropertyProduct ; rdfs:range xsd:boolean ; skos:definition "Whether automatic sprinkler system is required for eligibility"@en ; rdfs:isDefinedBy . pandc:proratedPremium a owl:DatatypeProperty ; rdfs:label "proratedPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Premium amount adjusted for partial policy term"@en ; rdfs:isDefinedBy . pandc:publicOfferingRegisteredInAsiaIndicator a owl:DatatypeProperty ; rdfs:label "publicOfferingRegisteredInAsiaIndicator"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean UW factor: public offering is registered in Asia. Source field: FLDO.SharedRegisteredPublicOfferingInAsia."@en ; rdfs:isDefinedBy . pandc:publicOfferingRegisteredOutsideAsiaIndicator a owl:DatatypeProperty ; rdfs:label "publicOfferingRegisteredOutsideAsiaIndicator"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean UW factor: public offering is registered outside Asia. Source field: FLDO.SharedRegisteredPublicOfferingOutsideA"@en ; rdfs:isDefinedBy . ins:publiclyTraded a owl:DatatypeProperty ; rdfs:label "publiclyTraded"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:boolean ; skos:definition "Whether organization is publicly traded"@en ; rdfs:isDefinedBy . pandc:qualityControlMeasures a owl:DatatypeProperty ; rdfs:label "qualityControlMeasures"@en ; rdfs:domain pandc:ProductsHazard ; rdfs:range xsd:string ; skos:definition "Quality control measures for products"@en ; rdfs:isDefinedBy . ins:quoteIssueDate a owl:DatatypeProperty ; rdfs:label "quoteIssueDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when the quote was formally issued to the broker or insured"@en ; rdfs:isDefinedBy . ins:quoteTargetDate a owl:DatatypeProperty ; rdfs:label "quoteTargetDate"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Target date by which the quote should be completed"@en ; rdfs:isDefinedBy . ins:quotedPremium a owl:DatatypeProperty ; rdfs:label "quotedPremium"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Final total premium amount for the quote after all adjustments. Separate from policy premium."@en ; rdfs:isDefinedBy . pandc:rateBasis a owl:DatatypeProperty ; rdfs:label "rateBasis"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:string ; skos:definition "Unit of exposure for rating"@en ; rdfs:isDefinedBy . pandc:rateCappingFactor a owl:DatatypeProperty ; rdfs:label "rateCappingFactor"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:string ; skos:definition "Multiplicative factor applied to limit (cap) the rate movement between the expiring and renewal terms at the risk locati"@en ; rdfs:isDefinedBy . pandc:rateChangeAmount a owl:DatatypeProperty ; rdfs:label "rateChangeAmount"@en ; rdfs:domain pandc:RateChangeComponent ; rdfs:range xsd:decimal ; skos:definition "Additive rate-change amount attributed to a single driver on a RateChangeComponent. Source fields: FLDO.ChangeDueTo* ser"@en ; rdfs:isDefinedBy . pandc:rateChangeCommentary a owl:DatatypeProperty ; rdfs:label "rateChangeCommentary"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:string ; skos:definition "Underwriter commentary explaining the validated rate change"@en ; rdfs:isDefinedBy . pandc:rateEffectiveDate a owl:DatatypeProperty ; rdfs:label "rateEffectiveDate"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "The effective date of the rating rules and factors used in this calculation"@en ; rdfs:isDefinedBy . pandc:rateFilingNumber a owl:DatatypeProperty ; rdfs:label "rateFilingNumber"@en ; rdfs:domain pandc:RateFiling ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . pandc:rateMovement a owl:DatatypeProperty ; rdfs:label "rateMovement"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Total validated rate movement percentage for the policy term"@en ; rdfs:isDefinedBy . pandc:ratePerUnit a owl:DatatypeProperty ; rdfs:label "ratePerUnit"@en ; rdfs:domain pandc:BaseRate ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The numeric rate value per standardized unit of exposure"@en ; rdfs:isDefinedBy . pandc:ratePeriod a owl:DatatypeProperty ; rdfs:label "ratePeriod"@en ; rdfs:domain pandc:RatingFactorClass ; rdfs:range xsd:string ; skos:definition "Time-period basis for the rate (annual / monthly / daily). Source field: Rate Period (RBRBF3)."@en ; rdfs:isDefinedBy . pandc:rateTableId a owl:DatatypeProperty ; rdfs:label "rateTableId"@en ; rdfs:domain pandc:RateTable ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . pandc:rateTableVersion a owl:DatatypeProperty ; rdfs:label "rateTableVersion"@en ; rdfs:domain pandc:ProductLine ; rdfs:range xsd:string ; skos:definition "Version identifier for rate table set"@en ; rdfs:isDefinedBy . pandc:rateType a owl:DatatypeProperty ; rdfs:label "rateType"@en ; rdfs:domain pandc:RatingFactorClass ; rdfs:range xsd:string ; skos:definition "Type qualifier for the rate (percentage, per-mille, flat). Source field: Rate Type (RBRBF2)."@en ; rdfs:isDefinedBy . ins:ratingBasis a owl:DatatypeProperty ; rdfs:label "ratingBasis"@en ; rdfs:domain ins:ISOClassCode ; rdfs:range xsd:string ; skos:definition "The basis used for rating this classification (e.g., area, payroll, revenue)"@en ; rdfs:isDefinedBy . pandc:ratingBasisValue a owl:DatatypeProperty ; rdfs:label "ratingBasisValue"@en ; rdfs:domain pandc:RatingFactor ; rdfs:range xsd:decimal ; skos:definition "Numeric value of the rating basis"@en ; rdfs:isDefinedBy . pandc:ratingMethodology a owl:DatatypeProperty ; rdfs:label "ratingMethodology"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "Method used to calculate premiums"@en ; rdfs:isDefinedBy . pandc:ratingPremiumPeriod a owl:DatatypeProperty ; rdfs:label "ratingPremiumPeriod"@en ; rdfs:domain pandc:RatingFactorClass ; rdfs:range xsd:string ; skos:definition "Period over which premium is rated (annual / per-shipment / per-vessel). Source field: Rating Premium Period (RBRBF4)."@en ; rdfs:isDefinedBy . pandc:ratingStepId a owl:DatatypeProperty ; rdfs:label "ratingStepId"@en ; rdfs:domain pandc:RatingStep ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . pandc:ratingZone a owl:DatatypeProperty ; rdfs:label "ratingZone"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; skos:definition "Geographic rating zone description"@en ; rdfs:isDefinedBy . pandc:recentMajorEventIndicator a owl:DatatypeProperty ; rdfs:label "recentMajorEventIndicator"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: recent major event affecting workforce. Source field: FLEPL.MajorEvent (Q-RT-4)."@en ; rdfs:isDefinedBy . pandc:recentMergerOrAcquisitionIndicator a owl:DatatypeProperty ; rdfs:label "recentMergerOrAcquisitionIndicator"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: recent merger or acquisition occurred. Source field: FLEPL.MergerAcquisition (Q-RT-4)."@en ; rdfs:isDefinedBy . pandc:recentOfficeClosingIndicator a owl:DatatypeProperty ; rdfs:label "recentOfficeClosingIndicator"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: recent office closing occurred. Source field: FLEPL.OfficeClosing (Q-RT-3)."@en ; rdfs:isDefinedBy . ins:recoveredAmount a owl:DatatypeProperty ; rdfs:label "recoveredAmount"@en ; rdfs:domain ins:ReinsuranceClaim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Amount actually recovered from reinsurer"@en ; rdfs:isDefinedBy . ins:recoveryAmount a owl:DatatypeProperty ; rdfs:label "recoveryAmount"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Amount recovered through subrogation or salvage"@en ; rdfs:isDefinedBy . pandc:redundancyProcessDocumented a owl:DatatypeProperty ; rdfs:label "redundancyProcessDocumented"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean flag: redundancy process is documented. Source field: FLEPL.Redundancies (Q-HR-7)."@en ; rdfs:isDefinedBy . pandc:regionalFullTimeEmployeeCount a owl:DatatypeProperty ; rdfs:label "regionalFullTimeEmployeeCount"@en ; rdfs:domain pandc:RegionalEmployeeCount ; rdfs:range xsd:integer ; skos:definition "Full-time employee count for a region on a RegionalEmployeeCount instance. Source fields: FLEPL.EmpFT."@en ; rdfs:isDefinedBy . pandc:regionalPartTimeEmployeeCount a owl:DatatypeProperty ; rdfs:label "regionalPartTimeEmployeeCount"@en ; rdfs:domain pandc:RegionalEmployeeCount ; rdfs:range xsd:integer ; skos:definition "Part-time employee count for a region on a RegionalEmployeeCount instance. Source fields: FLEPL.EmpPT."@en ; rdfs:isDefinedBy . ins:regionalReportingCode a owl:DatatypeProperty ; rdfs:label "regionalReportingCode"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:string ; skos:definition "Regional product/reporting code (e.g. PACPL for Asia-Pacific Commercial Lines)"@en ; rdfs:isDefinedBy . pandc:regulatoryApprovalRequired a owl:DatatypeProperty ; rdfs:label "regulatoryApprovalRequired"@en ; rdfs:domain pandc:RegulatoryFiling ; rdfs:range xsd:boolean ; skos:definition "Indicates if explicit regulatory approval needed before use"@en ; rdfs:isDefinedBy . pandc:regulatoryStatus a owl:DatatypeProperty ; rdfs:label "regulatoryStatus"@en ; rdfs:domain pandc:RateFiling ; rdfs:range xsd:string ; skos:definition "Current regulatory approval status"@en ; rdfs:isDefinedBy . pandc:reinstate4PerilIndicator a owl:DatatypeProperty ; rdfs:label "reinstate4PerilIndicator"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:string ; skos:definition "Indicator denoting that the four named-peril sublimits (commonly Wind / Hail, Earthquake, Flood, and Earth Movement, or"@en ; rdfs:isDefinedBy . ins:reinstatementCount a owl:DatatypeProperty ; rdfs:label "reinstatementCount"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Number of times the limit can be reinstated after a loss"@en ; rdfs:isDefinedBy . ins:reinstatementsAllowed a owl:DatatypeProperty ; rdfs:label "reinstatementsAllowed"@en ; rdfs:domain ins:Limit ; rdfs:range xsd:integer ; skos:definition "Number of times the limit can be reinstated after exhaustion"@en ; rdfs:isDefinedBy . ins:reinsuranceCommissionRate a owl:DatatypeProperty ; rdfs:label "reinsuranceCommissionRate"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Ceding commission percentage paid by reinsurer to cedent"@en ; rdfs:isDefinedBy . ins:reinsuranceEffectiveDate a owl:DatatypeProperty ; rdfs:label "reinsuranceEffectiveDate"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date reinsurance coverage begins"@en ; rdfs:isDefinedBy . ins:reinsuranceExpirationDate a owl:DatatypeProperty ; rdfs:label "reinsuranceExpirationDate"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date reinsurance coverage ends"@en ; rdfs:isDefinedBy . ins:reinsuranceLimit a owl:DatatypeProperty ; rdfs:label "reinsuranceLimit"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Maximum amount recoverable from reinsurer"@en ; rdfs:isDefinedBy . pandc:reinsuranceLoadFactor a owl:DatatypeProperty ; rdfs:label "reinsuranceLoadFactor"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Actuarial loading factor for reinsurance treaty costs"@en ; rdfs:isDefinedBy . ins:relationshipEndDate a owl:DatatypeProperty ; rdfs:label "relationshipEndDate"@en ; rdfs:domain ins:PartyRelationship ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date relationship ends"@en ; rdfs:isDefinedBy . ins:relationshipStartDate a owl:DatatypeProperty ; rdfs:label "relationshipStartDate"@en ; rdfs:domain ins:PartyRelationship ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date relationship begins"@en ; rdfs:isDefinedBy . ins:relationshipType a owl:DatatypeProperty ; rdfs:label "relationshipType"@en ; rdfs:domain ins:PartyRelationship ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Type of relationship (PARENT_SUBSIDIARY, AFFILIATE, etc.)"@en ; rdfs:isDefinedBy . pandc:releaseDate a owl:DatatypeProperty ; rdfs:label "releaseDate"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Optional date product was released for production use"@en ; rdfs:isDefinedBy . ins:renewalAtExpiryRateIndicator a owl:DatatypeProperty ; rdfs:label "renewalAtExpiryRateIndicator"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Indicator denoting that the renewal quote is being offered at the expiring policy's rate (a rate guarantee / hold-rate s"@en ; rdfs:isDefinedBy . pandc:replacementCost a owl:DatatypeProperty ; rdfs:label "replacementCost"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "Cost to replace building with like kind and quality at current prices"@en ; rdfs:isDefinedBy . pandc:requiresApproval a owl:DatatypeProperty ; rdfs:label "requiresApproval"@en ; rdfs:domain pandc:AccountCredit ; rdfs:range xsd:boolean ; skos:definition "Whether use requires underwriter or management approval"@en ; rdfs:isDefinedBy . pandc:requiresCoinsurance a owl:DatatypeProperty ; rdfs:label "requiresCoinsurance"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:boolean ; skos:definition "Indicates if coverage requires coinsurance clause compliance"@en ; rdfs:isDefinedBy . pandc:requiresSeparateRating a owl:DatatypeProperty ; rdfs:label "requiresSeparateRating"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range xsd:boolean ; skos:definition "Whether this line-level coverage requires its own premium calculation separate from the base line premium"@en ; rdfs:isDefinedBy . pandc:requiresUnderwriterApproval a owl:DatatypeProperty ; rdfs:label "requiresUnderwriterApproval"@en ; rdfs:domain pandc:ConditionalRequirement ; rdfs:range xsd:boolean ; rdfs:isDefinedBy . pandc:requiresUnderwritingApproval a owl:DatatypeProperty ; rdfs:label "requiresUnderwritingApproval"@en ; rdfs:domain pandc:CoverageDefinition ; rdfs:range xsd:boolean ; skos:definition "Indicates if underwriter must approve coverage selection"@en ; rdfs:isDefinedBy . ins:reserveAmount a owl:DatatypeProperty ; rdfs:label "reserveAmount"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Outstanding reserve for future payments"@en ; rdfs:isDefinedBy . pandc:retailSquareFootage a owl:DatatypeProperty ; rdfs:label "retailSquareFootage"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:integer ; skos:definition "Retail area square footage"@en ; rdfs:isDefinedBy . ins:retentionAmount a owl:DatatypeProperty ; rdfs:label "retentionAmount"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Amount of risk retained by the cedent before reinsurance attaches"@en ; rdfs:isDefinedBy . pandc:retirementDate a owl:DatatypeProperty ; rdfs:label "retirementDate"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Optional date product was retired and closed to new business"@en ; rdfs:isDefinedBy . pandc:retrenchmentCommentary a owl:DatatypeProperty ; rdfs:label "retrenchmentCommentary"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:string ; skos:definition "Free-text commentary on retrenchments. Source field: FLEPL.RetrenchmentComment."@en ; rdfs:isDefinedBy . pandc:retrenchmentCount a owl:DatatypeProperty ; rdfs:label "retrenchmentCount"@en ; rdfs:domain pandc:WorkforceExposure ; rdfs:range xsd:integer ; skos:definition "Number of retrenchments (inferred integer, Q-RT-1). Source field: FLEPL.Retrenchment."@en ; rdfs:isDefinedBy . ins:retroactiveDate a owl:DatatypeProperty ; rdfs:label "retroactiveDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:InsuranceCoverage pandc:Coverage ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Claims-made retroactive date on an InsuranceCoverage. Applies to D&O, PI, Cyber, Marine Freight. Source field: Retoracti"@en ; rdfs:isDefinedBy . ins:revenueReportingYear a owl:DatatypeProperty ; rdfs:label "revenueReportingYear"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Fiscal year for which revenue figures are reported"@en ; rdfs:isDefinedBy . ins:revenueSource a owl:DatatypeProperty ; rdfs:label "revenueSource"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Source system or method used to obtain revenue data"@en ; rdfs:isDefinedBy . ins:revenueVerifiedDate a owl:DatatypeProperty ; rdfs:label "revenueVerifiedDate"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date when revenue figures were last verified or updated"@en ; rdfs:isDefinedBy . ins:riskAppetiteId a owl:DatatypeProperty ; rdfs:label "riskAppetiteId"@en ; rdfs:domain ins:RiskAppetite ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . ins:riskClassificationCode a owl:DatatypeProperty ; rdfs:label "riskClassificationCode"@en ; rdfs:domain ins:RiskClassification ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key."@en ; rdfs:isDefinedBy . ins:riskClassificationDescription a owl:DatatypeProperty ; rdfs:label "riskClassificationDescription"@en ; rdfs:domain ins:RiskClassification ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:riskLevel a owl:DatatypeProperty ; rdfs:label "riskLevel"@en ; rdfs:domain pandc:GLHazard ; rdfs:range xsd:string ; skos:definition "Risk level (LOW, MODERATE, HIGH, EXTREME)"@en ; rdfs:isDefinedBy . pandc:riskLoadFactor a owl:DatatypeProperty ; rdfs:label "riskLoadFactor"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Actuarial loading factor for catastrophe provision, profit margin, and parameter uncertainty"@en ; rdfs:isDefinedBy . pandc:riskLocationBuildingId a owl:DatatypeProperty ; rdfs:label "riskLocationBuildingId"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:riskLocationNumber a owl:DatatypeProperty ; rdfs:label "riskLocationNumber"@en ; rdfs:domain pandc:RiskLocation ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the risk location within policy context"@en ; rdfs:isDefinedBy . ra:riskObservationOf a owl:DatatypeProperty ; rdfs:label "riskObservationOf"@en ; rdfs:domain ra:RiskObservation ; skos:definition "Links a risk observation back to its subject"@en ; rdfs:isDefinedBy . ins:roleAmount a owl:DatatypeProperty ; rdfs:label "roleAmount"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:decimal ; skos:definition "Financial amount associated with role"@en ; rdfs:isDefinedBy . ins:roleCode a owl:DatatypeProperty ; rdfs:label "roleCode"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Code identifying the specific role"@en ; rdfs:isDefinedBy . ins:roleCodeDescription a owl:DatatypeProperty ; rdfs:label "roleCodeDescription"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:string ; skos:definition "Human-readable description of the role code on a party role instance. Companion to the existing ins:roleCode (Functional"@en ; rdfs:isDefinedBy . ins:roleEffectiveDate a owl:DatatypeProperty ; rdfs:label "roleEffectiveDate"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date role becomes effective"@en ; rdfs:isDefinedBy . ins:roleExpirationDate a owl:DatatypeProperty ; rdfs:label "roleExpirationDate"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date role expires"@en ; rdfs:isDefinedBy . ins:rolePercentage a owl:DatatypeProperty ; rdfs:label "rolePercentage"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:decimal ; skos:definition "Ownership percentage for role"@en ; rdfs:isDefinedBy . ins:rolePriority a owl:DatatypeProperty ; rdfs:label "rolePriority"@en ; rdfs:domain ins:PartyRole ; rdfs:range xsd:integer ; skos:definition "Priority order for role (1=primary, 2=secondary, etc.)"@en ; rdfs:isDefinedBy . pandc:roofAge a owl:DatatypeProperty ; rdfs:label "roofAge"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; skos:definition "Age of roof in years"@en ; rdfs:isDefinedBy . pandc:roofCover a owl:DatatypeProperty ; rdfs:label "roofCover"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Roofing material type"@en ; rdfs:isDefinedBy . pandc:roofDeckAttachment a owl:DatatypeProperty ; rdfs:label "roofDeckAttachment"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Method of roof deck attachment for wind resistance"@en ; rdfs:isDefinedBy . pandc:roofReplacementYear a owl:DatatypeProperty ; rdfs:label "roofReplacementYear"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Year roof was last replaced"@en ; rdfs:isDefinedBy . pandc:safetyProgramDescription a owl:DatatypeProperty ; rdfs:label "safetyProgramDescription"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; skos:definition "Description of safety program"@en ; rdfs:isDefinedBy . pandc:safetyTrainingFrequency a owl:DatatypeProperty ; rdfs:label "safetyTrainingFrequency"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; skos:definition "Frequency of employee safety training"@en ; rdfs:isDefinedBy . pandc:salaryBandLowerBound a owl:DatatypeProperty ; rdfs:label "salaryBandLowerBound"@en ; rdfs:domain pandc:SalaryBandEmployeeCount ; rdfs:range xsd:decimal ; skos:definition "Lower bound of a salary band on a SalaryBandEmployeeCount instance (in policy currency). Source fields: FLEPL.EmpSalary5"@en ; rdfs:isDefinedBy . ins:scheduleEffectiveDate a owl:DatatypeProperty ; rdfs:label "scheduleEffectiveDate"@en ; rdfs:domain ins:Schedule ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date this version of the schedule becomes effective"@en ; rdfs:isDefinedBy . ins:scheduleId a owl:DatatypeProperty ; rdfs:label "scheduleId"@en ; rdfs:domain ins:Schedule ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique system identifier for this schedule"@en ; rdfs:isDefinedBy . ins:scheduleItemDescription a owl:DatatypeProperty ; rdfs:label "scheduleItemDescription"@en ; rdfs:domain ins:ScheduleItem ; rdfs:range xsd:string ; skos:definition "Human-readable description of the scheduled item"@en ; rdfs:isDefinedBy . ins:scheduleItemNumber a owl:DatatypeProperty ; rdfs:label "scheduleItemNumber"@en ; rdfs:domain ins:ScheduleItem ; rdfs:range xsd:positiveInteger ; a owl:FunctionalProperty ; skos:definition "Ordinal position of this item on the schedule (1-based)"@en ; rdfs:isDefinedBy . pandc:scheduleModification a owl:DatatypeProperty ; rdfs:label "scheduleModification"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Schedule rating modification for risk characteristics"@en ; rdfs:isDefinedBy . pandc:scheduleModifier a owl:DatatypeProperty ; rdfs:label "scheduleModifier"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Schedule rating modification for risk characteristics"@en ; rdfs:isDefinedBy . ins:scheduleNumber a owl:DatatypeProperty ; rdfs:label "scheduleNumber"@en ; rdfs:domain ins:Schedule ; rdfs:range xsd:string ; skos:definition "Human-readable schedule number as shown on the declarations page or attached form"@en ; rdfs:isDefinedBy . ins:scheduleType a owl:DatatypeProperty ; rdfs:label "scheduleType"@en ; rdfs:domain ins:Schedule ; rdfs:range xsd:string ; skos:definition "Discriminator for schedule kind. Expected values: LOCATION_SOV, PROPERTY, VEHICLE, HAZARD, FORMS, UNDERLYING"@en ; rdfs:isDefinedBy . pandc:scheduledItemDescription a owl:DatatypeProperty ; rdfs:label "scheduledItemDescription"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:string ; skos:definition "Description of the specific scheduled item this coverage applies to"@en ; rdfs:isDefinedBy . pandc:scheduledItemValue a owl:DatatypeProperty ; rdfs:label "scheduledItemValue"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:decimal ; skos:definition "Declared value of the scheduled item"@en ; rdfs:isDefinedBy . pandc:scheduledItemValuePercentage a owl:DatatypeProperty ; rdfs:label "scheduledItemValuePercentage"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:decimal ; skos:definition "Percentage of the total declared value allocated to this risk-level coverage instance, used when a declared value is dis"@en ; rdfs:isDefinedBy . ins:scheduledValue a owl:DatatypeProperty ; rdfs:label "scheduledValue"@en ; rdfs:domain ins:ScheduleItem ; rdfs:range xsd:decimal ; skos:definition "Declared insured value for this scheduled item (e.g., Total Insured Value on an SOV row)"@en ; rdfs:isDefinedBy . pandc:scoreRange a owl:DatatypeProperty ; rdfs:label "scoreRange"@en ; rdfs:domain pandc:RiskTier ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:scoreValue a owl:DatatypeProperty ; rdfs:label "scoreValue"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:CyberRiskScore ra:RiskObservation ) ] ; ec:dataQualityFlag "RANGE-CONFLICT: declared as xsd:integer, xsd:string in the source LDM." ; skos:definition "The numeric value of a cyber risk score, distinguished by its scoring provider (pandc:scoringProvider NI)."@en ; rdfs:isDefinedBy . pandc:seasonalOperation a owl:DatatypeProperty ; rdfs:label "seasonalOperation"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:boolean ; skos:definition "Whether business operates seasonally"@en ; rdfs:isDefinedBy . pandc:secondaryClassCodes a owl:DatatypeProperty ; rdfs:label "secondaryClassCodes"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; skos:definition "Secondary/subsidiary business classification codes"@en ; rdfs:isDefinedBy . pandc:secondaryConstructionType a owl:DatatypeProperty ; rdfs:label "secondaryConstructionType"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Secondary construction type when building has mixed construction"@en ; rdfs:isDefinedBy . pandc:securityNotRegisteredIndicator a owl:DatatypeProperty ; rdfs:label "securityNotRegisteredIndicator"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean: no registered securities (Side C eligibility flag). Source field: FLDO.SecurityNotRegistered."@en ; rdfs:isDefinedBy . pandc:separationDistanceFeet a owl:DatatypeProperty ; rdfs:label "separationDistanceFeet"@en ; rdfs:domain pandc:AdjacentOccupancy ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:shareCount a owl:DatatypeProperty ; rdfs:label "shareCount"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:integer ; skos:definition "Number of shares registered or listed for a ManagementLiabilityExposure instance (by jurisdiction and IPO flag). Source"@en ; rdfs:isDefinedBy . pandc:sharedLimitPaymentPriority a owl:DatatypeProperty ; rdfs:label "sharedLimitPaymentPriority"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:integer ; skos:definition "Integer sequence controlling payment priority when coverages share an aggregate limit (e.g. EPL-first = 1 when D&O and E"@en ; rdfs:isDefinedBy . pandc:sharesRegisteredOnExchangeInAsiaIndicator a owl:DatatypeProperty ; rdfs:label "sharesRegisteredOnExchangeInAsiaIndicator"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean UW factor: shares are registered on an Asian exchange. Source field: FLDO.SharedRegisteredOnExchangeInAsia."@en ; rdfs:isDefinedBy . pandc:sharesRegisteredOnExchangeOutsideAsiaIndicator a owl:DatatypeProperty ; rdfs:label "sharesRegisteredOnExchangeOutsideAsiaIndicator"@en ; rdfs:domain pandc:ManagementLiabilityExposure ; rdfs:range xsd:boolean ; skos:definition "Boolean UW factor: shares are registered on a non-Asian exchange. Source field: FLDO.SharedRegisteredOnExchangeOutsideAs"@en ; rdfs:isDefinedBy . ins:sicCode a owl:DatatypeProperty ; rdfs:label "sicCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Organization pandc:Building pandc:SICCode ) ] ; rdfs:range xsd:string ; skos:definition "Standard Industrial Classification code (4 digits). Asserted on an Organization (entity-level) or carried on an ins:SICC"@en ; rdfs:isDefinedBy . pandc:sideCOfferedIndicator a owl:DatatypeProperty ; rdfs:label "sideCOfferedIndicator"@en ; rdfs:domain pandc:Coverage ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating whether Side-C (entity securities) cover is offered on this D&O or FI IM policy. Source field: F"@en ; rdfs:isDefinedBy . pandc:slopePercentage a owl:DatatypeProperty ; rdfs:label "slopePercentage"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range xsd:decimal ; skos:definition "Terrain slope percentage"@en ; rdfs:isDefinedBy . ins:slowExperienceCount a owl:DatatypeProperty ; rdfs:label "slowExperienceCount"@en ; rdfs:domain ins:DnBCreditAssessment ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Count of slow payment experiences"@en ; rdfs:isDefinedBy . ins:snapshotMonth a owl:DatatypeProperty ; rdfs:label "snapshotMonth"@en ; rdfs:domain ins:FXRateSnapshot ; rdfs:range xsd:integer ; skos:definition "The calendar month (1–12) of the FX rate snapshot"@en ; rdfs:isDefinedBy . ins:snapshotYear a owl:DatatypeProperty ; rdfs:label "snapshotYear"@en ; rdfs:domain ins:FXRateSnapshot ; rdfs:range xsd:integer ; skos:definition "The calendar year of the FX rate snapshot"@en ; rdfs:isDefinedBy . ins:sourceCurrencyCode a owl:DatatypeProperty ; rdfs:label "sourceCurrencyCode"@en ; rdfs:domain ins:FXRateSnapshot ; rdfs:range xsd:string ; skos:definition "ISO 4217 code for the local currency being converted from"@en ; rdfs:isDefinedBy . ra:sourceFieldName a owl:DatatypeProperty ; rdfs:label "sourceFieldName"@en ; rdfs:domain ra:RiskObservation ; rdfs:range xsd:string ; skos:definition "Field name in source system"@en ; rdfs:isDefinedBy . ra:sourceRecordId a owl:DatatypeProperty ; rdfs:label "sourceRecordId"@en ; rdfs:domain ra:RiskObservation ; rdfs:range xsd:string ; skos:definition "Record identifier in the source system"@en ; rdfs:isDefinedBy . ins:sourceSystemCode a owl:DatatypeProperty ; rdfs:label "sourceSystemCode"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; skos:definition "Originating system identifier"@en ; rdfs:isDefinedBy . pandc:sprinklerPercentage a owl:DatatypeProperty ; rdfs:label "sprinklerPercentage"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Percentage of building covered by sprinkler system"@en ; rdfs:isDefinedBy . pandc:sprinklerType a owl:DatatypeProperty ; rdfs:label "sprinklerType"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range xsd:string ; skos:definition "Type and extent of sprinkler coverage"@en ; rdfs:isDefinedBy . pandc:squareFootage a owl:DatatypeProperty ; rdfs:label "squareFootage"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "Total building area in square feet (all floors)"@en ; rdfs:isDefinedBy . pandc:standardizationStatus a owl:DatatypeProperty ; rdfs:label "standardizationStatus"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . ins:stateCode a owl:DatatypeProperty ; rdfs:label "stateCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:PartyAddress pandc:StandardizedAddress ) ] ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "State or province code (2 characters)"@en ; rdfs:isDefinedBy . ins:stateProvinceCode a owl:DatatypeProperty ; rdfs:label "stateProvinceCode"@en ; rdfs:domain ins:StateProvince ; rdfs:range xsd:string ; skos:definition "ISO 3166-2 state or province code"@en ; rdfs:isDefinedBy . ins:stateProvinceName a owl:DatatypeProperty ; rdfs:label "stateProvinceName"@en ; rdfs:domain ins:StateProvince ; rdfs:range xsd:string ; skos:definition "Full display name of the state or province"@en ; rdfs:isDefinedBy . pandc:stateSpecificConstraints a owl:DatatypeProperty ; rdfs:label "stateSpecificConstraints"@en ; rdfs:domain pandc:RatingModificationApplication ; rdfs:range xsd:string ; skos:definition "JSON object documenting state-specific regulatory constraints applied to this modification"@en ; rdfs:isDefinedBy . pandc:stepOperation a owl:DatatypeProperty ; rdfs:label "stepOperation"@en ; rdfs:domain pandc:RatingStep ; rdfs:range xsd:string ; skos:definition "The mathematical or logical operation performed in this step"@en ; rdfs:isDefinedBy . pandc:stepOrder a owl:DatatypeProperty ; rdfs:label "stepOrder"@en ; rdfs:domain pandc:RatingStep ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "The sequence position of this step in the rating calculation (lower numbers execute first)"@en ; rdfs:isDefinedBy . pandc:storageConstructionType a owl:DatatypeProperty ; rdfs:label "storageConstructionType"@en ; rdfs:domain pandc:Storage ; rdfs:range xsd:string ; skos:definition "Descriptive construction type of a storage premises. RATING VARIABLE. Moved from pandc:Location to pandc:Storage. Source"@en ; rdfs:isDefinedBy . pandc:storageOccupancyType a owl:DatatypeProperty ; rdfs:label "storageOccupancyType"@en ; rdfs:domain pandc:Storage ; rdfs:range xsd:string ; skos:definition "Descriptive occupancy of a storage premises (museum, vault, gallery, residence, restorer, etc.). RATING VARIABLE. Moved"@en ; rdfs:isDefinedBy . pandc:storyBand a owl:DatatypeProperty ; rdfs:label "storyBand"@en ; rdfs:domain pandc:COPEAssessment ; rdfs:range xsd:string ; skos:definition "Categorical story count range classification for rating factor table lookup"@en ; rdfs:isDefinedBy . pandc:stowageInterestCode a owl:DatatypeProperty ; rdfs:label "stowageInterestCode"@en ; rdfs:domain pandc:MarineCargoExposure ; rdfs:range xsd:string ; skos:definition "Integer-coded stowage interest classification (0–7). Pending formal governance for NI enum."@en ; rdfs:isDefinedBy . pandc:streetName a owl:DatatypeProperty ; rdfs:label "streetName"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:streetNumber a owl:DatatypeProperty ; rdfs:label "streetNumber"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:streetType a owl:DatatypeProperty ; rdfs:label "streetType"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . ins:subProducerCommissionSplit a owl:DatatypeProperty ; rdfs:label "subProducerCommissionSplit"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:decimal ; skos:definition "Sub-producer commission split percentage"@en ; rdfs:isDefinedBy . pandc:subcontractorCosts a owl:DatatypeProperty ; rdfs:label "subcontractorCosts"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Annual subcontractor costs"@en ; rdfs:isDefinedBy . ins:sublimitDerivationFactor a owl:DatatypeProperty ; rdfs:label "sublimitDerivationFactor"@en ; rdfs:domain ins:Sublimit ; rdfs:range xsd:decimal ; skos:definition "A decimal factor deriving a sublimit amount from the main limit (e.g. AcquisitionLimitPercent, EPLSublimitFactor). Appli"@en ; rdfs:isDefinedBy . ins:summaryPriorCarrier a owl:DatatypeProperty ; rdfs:label "summaryPriorCarrier"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:string ; skos:definition "Name of the insurance carrier that provided the loss run. Non-functional to allow multiple prior carriers across the his"@en ; rdfs:isDefinedBy . pandc:superfundDistance a owl:DatatypeProperty ; rdfs:label "superfundDistance"@en ; rdfs:domain pandc:EnvironmentalRiskAssessment ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:superiorProtectedRisk a owl:DatatypeProperty ; rdfs:label "superiorProtectedRisk"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether the risk qualifies as superior protected"@en ; rdfs:isDefinedBy . pandc:supportsExperienceRating a owl:DatatypeProperty ; rdfs:label "supportsExperienceRating"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:boolean ; skos:definition "Indicates if product uses experience modification factors"@en ; rdfs:isDefinedBy . pandc:supportsIncreasedLimits a owl:DatatypeProperty ; rdfs:label "supportsIncreasedLimits"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:boolean ; skos:definition "Indicates if product supports increased limit factors"@en ; rdfs:isDefinedBy . pandc:supportsScheduleRating a owl:DatatypeProperty ; rdfs:label "supportsScheduleRating"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:boolean ; skos:definition "Indicates if product allows schedule rating modifications"@en ; rdfs:isDefinedBy . ins:surchargeAmount a owl:DatatypeProperty ; rdfs:label "surchargeAmount"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:decimal ; skos:definition "Monetary amount of the surcharge"@en ; rdfs:isDefinedBy . ins:surchargeDescription a owl:DatatypeProperty ; rdfs:label "surchargeDescription"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:string ; skos:definition "Description of the surcharge"@en ; rdfs:isDefinedBy . ins:surchargeIsMandatory a owl:DatatypeProperty ; rdfs:label "surchargeIsMandatory"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:boolean ; skos:definition "Whether this surcharge is mandatory"@en ; rdfs:isDefinedBy . ins:surchargePercentage a owl:DatatypeProperty ; rdfs:label "surchargePercentage"@en ; rdfs:domain ins:Surcharge ; rdfs:range xsd:decimal ; skos:definition "Percentage surcharge applied to premium"@en ; rdfs:isDefinedBy . ra:surveyDate a owl:DatatypeProperty ; rdfs:label "surveyDate"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date the site survey was conducted"@en ; rdfs:isDefinedBy . ra:surveyType a owl:DatatypeProperty ; rdfs:label "surveyType"@en ; rdfs:domain ra:RiskEngineeringSurvey ; rdfs:range xsd:string ; skos:definition "Classification of the survey (e.g., initial inspection, follow-up, desk review, full site visit)"@en ; rdfs:isDefinedBy . pandc:tableType a owl:DatatypeProperty ; rdfs:label "tableType"@en ; rdfs:domain pandc:RateTable ; rdfs:range xsd:string ; skos:definition "The type or category of rate table"@en ; rdfs:isDefinedBy . ins:targetCurrencyCode a owl:DatatypeProperty ; rdfs:label "targetCurrencyCode"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:FXRateSnapshot ins:ForeignExchangeRate ) ] ; rdfs:range xsd:string ; skos:definition "ISO 4217 code of the destination (target) currency being converted to (e.g. USD)."@en ; rdfs:isDefinedBy . ins:targetPremium a owl:DatatypeProperty ; rdfs:label "targetPremium"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Estimated premium amount before final underwriting adjustments"@en ; rdfs:isDefinedBy . pandc:targetProfitMargin a owl:DatatypeProperty ; rdfs:label "targetProfitMargin"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Profit hurdle component of the gross factor (e.g. 0.88). Represents the minimum acceptable combined ratio for the risk."@en ; rdfs:isDefinedBy . pandc:taxAmount a owl:DatatypeProperty ; rdfs:label "taxAmount"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; skos:definition "Total tax charges (premium tax, stamping fees, surplus lines tax)"@en ; rdfs:isDefinedBy . pandc:taxExemptionCode a owl:DatatypeProperty ; rdfs:label "taxExemptionCode"@en ; rdfs:domain pandc:Tax ; rdfs:range xsd:string ; skos:definition "Exemption code for a statutory tax (e.g. Malaysian GST exemption code). Source field: FLDO.MYGSTExemptID."@en ; rdfs:isDefinedBy . pandc:taxId a owl:DatatypeProperty ; rdfs:label "taxId"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:string ; skos:definition "Tax identifier"@en ; rdfs:isDefinedBy . ins:taxIdNumber a owl:DatatypeProperty ; rdfs:label "taxIdNumber"@en ; rdfs:domain ins:Party ; rdfs:range xsd:string ; skos:definition "Federal tax ID (EIN for organizations, SSN for persons)"@en ; rdfs:isDefinedBy . pandc:taxPercent a owl:DatatypeProperty ; rdfs:label "taxPercent"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Tax percentage"@en ; rdfs:isDefinedBy . pandc:taxRate a owl:DatatypeProperty ; rdfs:label "taxRate"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Decimal tax rate. Applies to pandc:LocationTax (location-level rate, e.g. city/county/state) and pandc:Tax (statutory co"@en ; rdfs:isDefinedBy . pandc:taxType a owl:DatatypeProperty ; rdfs:label "taxType"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:string ; skos:definition "Type of tax (CITY_TAX, COUNTY_TAX, STATE_TAX, GL, Property)"@en ; rdfs:isDefinedBy . pandc:tenderDeclaredValue a owl:DatatypeProperty ; rdfs:label "tenderDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for Tender coverage."@en ; rdfs:isDefinedBy . ins:termEndDate a owl:DatatypeProperty ; rdfs:label "termEndDate"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "The end date of the current policy term — the date on which the coverage for this term period expires."@en ; rdfs:isDefinedBy . ins:termStartDate a owl:DatatypeProperty ; rdfs:label "termStartDate"@en ; rdfs:domain ins:PolicyTerm ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "The start date of the current policy term — the date from which the coverage terms and conditions for this term period a"@en ; rdfs:isDefinedBy . ins:terminationDate a owl:DatatypeProperty ; rdfs:label "terminationDate"@en ; rdfs:domain ins:ProducerAppointment ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date appointment was terminated"@en ; rdfs:isDefinedBy . pandc:terrainExposureCategory a owl:DatatypeProperty ; rdfs:label "terrainExposureCategory"@en ; rdfs:domain pandc:WindAssessment ; rdfs:range xsd:string ; skos:definition "Terrain exposure category (B, C, or D)"@en ; rdfs:isDefinedBy . pandc:territorialScope a owl:DatatypeProperty ; rdfs:label "territorialScope"@en ; rdfs:domain pandc:LineLevelCoverage ; rdfs:range xsd:string ; skos:definition "Geographic scope of a LineLevelCoverage as free text. Source fields: GeographicalLimitPolicyA (field 48), GeographicalLi"@en ; rdfs:isDefinedBy . pandc:territoryCode a owl:DatatypeProperty ; rdfs:label "territoryCode"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "ISO territory code for geographic rating"@en ; rdfs:isDefinedBy . pandc:territoryCodeValue a owl:DatatypeProperty ; rdfs:label "territoryCodeValue"@en ; rdfs:domain pandc:TerritoryCode ; rdfs:range xsd:string ; skos:definition "The territory identifier within a state"@en ; rdfs:isDefinedBy . pandc:territoryFactor a owl:DatatypeProperty ; rdfs:label "territoryFactor"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:decimal ; skos:definition "Territory-based rating factor multiplier"@en ; rdfs:isDefinedBy . pandc:territoryMultiplier a owl:DatatypeProperty ; rdfs:label "territoryMultiplier"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:decimal ; skos:definition "Territory-based rating multiplier"@en ; rdfs:isDefinedBy . pandc:territoryName a owl:DatatypeProperty ; rdfs:label "territoryName"@en ; rdfs:domain pandc:TerritoryCode ; rdfs:range xsd:string ; skos:definition "Descriptive name of the territory"@en ; rdfs:isDefinedBy . pandc:terrorLevyApplicable a owl:DatatypeProperty ; rdfs:label "terrorLevyApplicable"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:boolean ; a owl:FunctionalProperty ; skos:definition "Whether terrorism levy applies to this exposure"@en ; rdfs:isDefinedBy . pandc:terrorismScheduleType a owl:DatatypeProperty ; rdfs:label "terrorismScheduleType"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:string ; skos:definition "Terrorism schedule type designation for risk-level coverage"@en ; rdfs:isDefinedBy . pandc:terrorismTierCode a owl:DatatypeProperty ; rdfs:label "terrorismTierCode"@en ; rdfs:domain pandc:LocationPremium ; rdfs:range xsd:string ; skos:definition "TRIA tier classification based on target attractiveness and location characteristics"@en ; rdfs:isDefinedBy . pandc:theftRate a owl:DatatypeProperty ; rdfs:label "theftRate"@en ; rdfs:domain pandc:SecurityRiskAssessment ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:thirdCountryExposureType a owl:DatatypeProperty ; rdfs:label "thirdCountryExposureType"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Classification of exposure attributable to third-country nationals (employees who are citizens of one country, working f"@en ; rdfs:isDefinedBy . pandc:thirdPartyVendorName a owl:DatatypeProperty ; rdfs:label "thirdPartyVendorName"@en ; rdfs:domain pandc:ThirdPartyConstructionCode ; rdfs:range xsd:string ; skos:definition "The name of the third-party vendor whose construction taxonomy this code belongs to (e.g., 'RMS', 'EMEA Construction Tab"@en ; rdfs:isDefinedBy . ins:timeZone a owl:DatatypeProperty ; rdfs:label "timeZone"@en ; rdfs:domain ins:PartyContactInfo ; rdfs:range xsd:string ; skos:definition "Time zone for contact"@en ; rdfs:isDefinedBy . ins:title a owl:DatatypeProperty ; rdfs:label "title"@en ; rdfs:domain ins:Person ; rdfs:range xsd:string ; skos:definition "Professional title"@en ; rdfs:isDefinedBy . ins:toBeAgreedFallbackIndicator a owl:DatatypeProperty ; rdfs:label "toBeAgreedFallbackIndicator"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:boolean ; skos:definition "Indicates a date qualifier is pending agreement. Source field: FLDO.TBA (Q-AC-5)."@en ; rdfs:isDefinedBy . ins:totalExpensesPaid a owl:DatatypeProperty ; rdfs:label "totalExpensesPaid"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Aggregate loss adjustment expenses paid across all claims in the history period"@en ; rdfs:isDefinedBy . ins:totalIncurredLosses a owl:DatatypeProperty ; rdfs:label "totalIncurredLosses"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Aggregate incurred losses (paid plus open reserves) across all claims in the history period"@en ; rdfs:isDefinedBy . pandc:totalInsurableValue a owl:DatatypeProperty ; rdfs:label "totalInsurableValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Aggregate total insurable value across all property coverage parts"@en ; rdfs:isDefinedBy . pandc:totalInsuredValue a owl:DatatypeProperty ; rdfs:label "totalInsuredValue"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( pandc:InsurableObject pandc:Location ) ] ; rdfs:range xsd:decimal ; skos:definition "Total Insured Value (TIV) at the location: the sum of building, contents / business personal property, business income /"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueBIPolicy a owl:DatatypeProperty ; rdfs:label "totalInsuredValueBIPolicy"@en ; rdfs:domain pandc:PolicyPremium ; rdfs:range xsd:decimal ; skos:definition "Aggregate Business Income coverage limit across all locations on the policy"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueBIRisk a owl:DatatypeProperty ; rdfs:label "totalInsuredValueBIRisk"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Aggregate Business Income coverage limit at the risk/location level"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueBPPPolicy a owl:DatatypeProperty ; rdfs:label "totalInsuredValueBPPPolicy"@en ; rdfs:domain pandc:PolicyPremium ; rdfs:range xsd:decimal ; skos:definition "Aggregate BPP coverage limits across all locations on the policy"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueBPPRisk a owl:DatatypeProperty ; rdfs:label "totalInsuredValueBPPRisk"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "BPP coverage limit at individual risk or location level"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueBuildingPolicy a owl:DatatypeProperty ; rdfs:label "totalInsuredValueBuildingPolicy"@en ; rdfs:domain pandc:PolicyPremium ; rdfs:range xsd:decimal ; skos:definition "Aggregate sum of building coverage limits across all locations on the policy"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueBuildingRisk a owl:DatatypeProperty ; rdfs:label "totalInsuredValueBuildingRisk"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "Building coverage limit at individual risk or location level"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueStockPolicy a owl:DatatypeProperty ; rdfs:label "totalInsuredValueStockPolicy"@en ; rdfs:domain pandc:PolicyPremium ; rdfs:range xsd:decimal ; skos:definition "Policy-level aggregate Total Insured Value for Stock across all locations. Follows the identical pattern as pandc:totalI"@en ; rdfs:isDefinedBy . pandc:totalInsuredValueStockRisk a owl:DatatypeProperty ; rdfs:label "totalInsuredValueStockRisk"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:decimal ; skos:definition "100% Total Insured Value for Stock at this building. Risk-level TIV for Stock, following the identical pattern as pandc:"@en ; rdfs:isDefinedBy . ins:totalPaidLosses a owl:DatatypeProperty ; rdfs:label "totalPaidLosses"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Aggregate indemnity paid across all claims in the history period"@en ; rdfs:isDefinedBy . pandc:totalPremium a owl:DatatypeProperty ; rdfs:label "totalPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; skos:definition "Final all-in premium including base, adjustments, taxes, and fees"@en ; rdfs:isDefinedBy . ins:totalPremiumAmount a owl:DatatypeProperty ; rdfs:label "totalPremiumAmount"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Total premium for the policy across all coverages"@en ; rdfs:isDefinedBy . ins:totalReserves a owl:DatatypeProperty ; rdfs:label "totalReserves"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Aggregate outstanding indemnity reserve across all open claims in the history period"@en ; rdfs:isDefinedBy . pandc:totalSquareFootage a owl:DatatypeProperty ; rdfs:label "totalSquareFootage"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:integer ; skos:definition "Total building square footage for area-based rating"@en ; rdfs:isDefinedBy . pandc:tradeCodeDescription a owl:DatatypeProperty ; rdfs:label "tradeCodeDescription"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "Description matching the 6-digit trade code"@en ; rdfs:isDefinedBy . pandc:tradeCodeName a owl:DatatypeProperty ; rdfs:label "tradeCodeName"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; skos:definition "The 6-digit trade code identifier itself (separate from description)"@en ; rdfs:isDefinedBy . pandc:tradingArea a owl:DatatypeProperty ; rdfs:label "tradingArea"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Geographical operating area of the vessel (free text). RATING VARIABLE — critical for sanctions screening and reinsuranc"@en ; rdfs:isDefinedBy . pandc:transitionalCompaniesAdjustment a owl:DatatypeProperty ; rdfs:label "transitionalCompaniesAdjustment"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:decimal ; skos:definition "Transitional companies adjustment factor"@en ; rdfs:isDefinedBy . ins:treatyNumber a owl:DatatypeProperty ; rdfs:label "treatyNumber"@en ; rdfs:domain ins:ReinsuranceAgreement ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Unique identifier for the reinsurance agreement"@en ; rdfs:isDefinedBy . ins:ttsCode a owl:DatatypeProperty ; rdfs:label "ttsCode"@en ; rdfs:domain ins:TTSCode ; rdfs:range xsd:string ; skos:definition "Territory-Trade-Size classification code value"@en ; rdfs:isDefinedBy . pandc:underlyingAttachmentPoint a owl:DatatypeProperty ; rdfs:label "underlyingAttachmentPoint"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The limit of the underlying policy at which the umbrella or excess coverage attaches"@en ; rdfs:isDefinedBy . pandc:underlyingCarrierName a owl:DatatypeProperty ; rdfs:label "underlyingCarrierName"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:string ; skos:definition "Name of the insurance carrier providing the underlying coverage"@en ; rdfs:isDefinedBy . pandc:underlyingEffectiveDate a owl:DatatypeProperty ; rdfs:label "underlyingEffectiveDate"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Effective date of the underlying insurance policy"@en ; rdfs:isDefinedBy . pandc:underlyingExpirationDate a owl:DatatypeProperty ; rdfs:label "underlyingExpirationDate"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Expiration date of the underlying insurance policy"@en ; rdfs:isDefinedBy . pandc:underlyingLayerLimit a owl:DatatypeProperty ; rdfs:label "underlyingLayerLimit"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "The per-occurrence and/or aggregate limit of the underlying policy"@en ; rdfs:isDefinedBy . pandc:underlyingLineOfBusiness a owl:DatatypeProperty ; rdfs:label "underlyingLineOfBusiness"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:string ; skos:definition "Line of business of the underlying policy (e.g., Commercial General Liability, Commercial Auto, Employers Liability)"@en ; rdfs:isDefinedBy . pandc:underlyingPolicyNumber a owl:DatatypeProperty ; rdfs:label "underlyingPolicyNumber"@en ; rdfs:domain pandc:UnderlyingInsuranceScheduleItem ; rdfs:range xsd:string ; skos:definition "Policy number of the underlying insurance policy"@en ; rdfs:isDefinedBy . ins:underlyingPrimaryQuoteDate a owl:DatatypeProperty ; rdfs:label "underlyingPrimaryQuoteDate"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "The primary carrier's quote date used by an excess underwriter for follow-form decisions. Source field: PrimaryDateQuote"@en ; rdfs:isDefinedBy . pandc:underwriterModifiedPremium a owl:DatatypeProperty ; rdfs:label "underwriterModifiedPremium"@en ; rdfs:domain pandc:PremiumDetail ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Premium after underwriter applies discretionary schedule rating, account credits, package discounts"@en ; rdfs:isDefinedBy . ins:underwritingAuthorityLevel a owl:DatatypeProperty ; rdfs:label "underwritingAuthorityLevel"@en ; rdfs:domain ins:Underwriter ; rdfs:range xsd:string ; skos:definition "The underwriting authority level or referral threshold for an underwriter"@en ; rdfs:isDefinedBy . pandc:underwritingGuideline a owl:DatatypeProperty ; rdfs:label "underwritingGuideline"@en ; rdfs:domain pandc:ProductLine ; rdfs:range xsd:string ; skos:definition "Underwriting rules and guidelines for product line"@en ; rdfs:isDefinedBy . ins:underwritingYear a owl:DatatypeProperty ; rdfs:label "underwritingYear"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; skos:definition "The London-market underwriting year of account — the calendar year to which policy premium and claims are attributed for"@en ; rdfs:isDefinedBy . pandc:unitNumber a owl:DatatypeProperty ; rdfs:label "unitNumber"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:unitType a owl:DatatypeProperty ; rdfs:label "unitType"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:updateDescription a owl:DatatypeProperty ; rdfs:label "updateDescription"@en ; rdfs:domain pandc:BuildingSystemUpdate ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:updateId a owl:DatatypeProperty ; rdfs:label "updateId"@en ; rdfs:domain pandc:BuildingSystemUpdate ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:updateYear a owl:DatatypeProperty ; rdfs:label "updateYear"@en ; rdfs:domain pandc:BuildingSystemUpdate ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; rdfs:isDefinedBy . pandc:updatedAt a owl:DatatypeProperty ; rdfs:label "updatedAt"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:dateTime ; skos:definition "Timestamp of most recent update"@en ; rdfs:isDefinedBy . pandc:updatedBy a owl:DatatypeProperty ; rdfs:label "updatedBy"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "User identifier who last updated entity"@en ; rdfs:isDefinedBy . ins:uploadDate a owl:DatatypeProperty ; rdfs:label "uploadDate"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:dateTime ; skos:definition "Timestamp when the attachment was uploaded to the system"@en ; rdfs:isDefinedBy . ins:uploadedBy a owl:DatatypeProperty ; rdfs:label "uploadedBy"@en ; rdfs:domain ins:Attachment ; rdfs:range xsd:string ; skos:definition "User or system identifier that uploaded this attachment"@en ; rdfs:isDefinedBy . ins:usAssetsAmount a owl:DatatypeProperty ; rdfs:label "usAssetsAmount"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:decimal ; skos:definition "Monetary amount of the insured's US-domiciled assets. Source field: BusinessInformation.USAssets."@en ; rdfs:isDefinedBy . ins:usEmployeesIndicator a owl:DatatypeProperty ; rdfs:label "usEmployeesIndicator"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:boolean ; skos:definition "Boolean flag indicating whether the insured has employees in the United States. Source field: BusinessInformation.IsUSEm"@en ; rdfs:isDefinedBy . ins:useInceptionAsDefaultDateIndicator a owl:DatatypeProperty ; rdfs:label "useInceptionAsDefaultDateIndicator"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:boolean ; skos:definition "Indicates inception date is used as the default for retroactive/continuous-cover date qualifiers. Source field: FLDO.Inc"@en ; rdfs:isDefinedBy . ins:uwBranch a owl:DatatypeProperty ; rdfs:label "uwBranch"@en ; rdfs:domain ins:Quote ; rdfs:range xsd:string ; skos:definition "Underwriting field office branch"@en ; rdfs:isDefinedBy . pandc:vacancyPercentage a owl:DatatypeProperty ; rdfs:label "vacancyPercentage"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:decimal ; skos:definition "Percentage of building currently unoccupied (0-100)"@en ; rdfs:isDefinedBy . ins:validatedFlag a owl:DatatypeProperty ; rdfs:label "validatedFlag"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:boolean ; skos:definition "Whether address has been validated"@en ; rdfs:isDefinedBy . pandc:validatedRateChangeGross a owl:DatatypeProperty ; rdfs:label "validatedRateChangeGross"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Gross validated rate change percentage confirmed by underwriter"@en ; rdfs:isDefinedBy . pandc:validatedRateChangeNet a owl:DatatypeProperty ; rdfs:label "validatedRateChangeNet"@en ; rdfs:domain pandc:PremiumCalculation ; rdfs:range xsd:decimal ; skos:definition "Net validated rate change percentage confirmed by underwriter"@en ; rdfs:isDefinedBy . ins:validationDate a owl:DatatypeProperty ; rdfs:label "validationDate"@en ; rdfs:domain ins:AddressValidation ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Date when address was last validated"@en ; rdfs:isDefinedBy . ins:validationId a owl:DatatypeProperty ; rdfs:label "validationId"@en ; rdfs:domain ins:AddressValidation ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Business Key for ins:AddressValidation. The transaction reference assigned by the address validation service for this sp"@en ; rdfs:isDefinedBy . ins:validationService a owl:DatatypeProperty ; rdfs:label "validationService"@en ; rdfs:domain ins:AddressValidation ; rdfs:range xsd:string ; skos:definition "Service used for address validation"@en ; rdfs:isDefinedBy . ins:validationSource a owl:DatatypeProperty ; rdfs:label "validationSource"@en ; rdfs:domain ins:PartyAddress ; rdfs:range xsd:string ; skos:definition "Service used for address validation"@en ; rdfs:isDefinedBy . pandc:valuablesPapersValue a owl:DatatypeProperty ; rdfs:label "valuablesPapersValue"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:decimal ; skos:definition "Value of valuable papers and records"@en ; rdfs:isDefinedBy . ins:valuationDate a owl:DatatypeProperty ; rdfs:label "valuationDate"@en ; rdfs:domain ins:LossHistory ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Date as of which the loss amounts (paid, reserves) were last valued"@en ; rdfs:isDefinedBy . pandc:vegetationDistance a owl:DatatypeProperty ; rdfs:label "vegetationDistance"@en ; rdfs:domain pandc:WildfireAssessment ; rdfs:range xsd:decimal ; skos:definition "Distance to nearest vegetation in feet"@en ; rdfs:isDefinedBy . pandc:vendorConstructionCode a owl:DatatypeProperty ; rdfs:label "vendorConstructionCode"@en ; rdfs:domain pandc:ThirdPartyConstructionCode ; rdfs:range xsd:string ; skos:definition "The alphanumeric code token as defined by the third-party vendor's taxonomy (e.g., '1A', 'Frame', 'Superior')."@en ; rdfs:isDefinedBy . pandc:vendorConstructionDescription a owl:DatatypeProperty ; rdfs:label "vendorConstructionDescription"@en ; rdfs:domain pandc:ThirdPartyConstructionCode ; rdfs:range xsd:string ; skos:definition "Human-readable label for the construction class as defined by the third-party vendor's taxonomy (e.g., 'Superior', 'Maso"@en ; rdfs:isDefinedBy . ins:versionEffectiveDate a owl:DatatypeProperty ; rdfs:label "versionEffectiveDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:ClassificationVersion pandc:Product ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Optional date when product version becomes effective"@en ; rdfs:isDefinedBy . ins:versionExpirationDate a owl:DatatypeProperty ; rdfs:label "versionExpirationDate"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:ClassificationVersion pandc:Product ) ] ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; skos:definition "Optional date when product version expires"@en ; rdfs:isDefinedBy . pandc:versionNumber a owl:DatatypeProperty ; rdfs:label "versionNumber"@en ; rdfs:domain pandc:Product ; rdfs:range xsd:string ; skos:definition "Optional version identifier for the product (e.g., 3.2.1)"@en ; rdfs:isDefinedBy . pandc:vesselCount a owl:DatatypeProperty ; rdfs:label "vesselCount"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:integer ; skos:definition "Number of vessels being insured under a marine hull exposure (fleet size). EXPOSURE metric."@en ; rdfs:isDefinedBy . pandc:vesselLength a owl:DatatypeProperty ; rdfs:label "vesselLength"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:decimal ; skos:definition "Vessel length (decimal). RATING VARIABLE for small craft. Source field: VesselLength (field 165). Decision: NW."@en ; rdfs:isDefinedBy . pandc:vesselLengthUnit a owl:DatatypeProperty ; rdfs:label "vesselLengthUnit"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Unit of measurement for vesselLength (metres / feet). Source field: VesselLengthUnit (field 164). Decision: NW."@en ; rdfs:isDefinedBy . pandc:vesselMake a owl:DatatypeProperty ; rdfs:label "vesselMake"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel manufacturer (small craft / yacht context). Source field: Make (field 178). Decision: NW."@en ; rdfs:isDefinedBy . pandc:vesselModel a owl:DatatypeProperty ; rdfs:label "vesselModel"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel model (small craft / yacht context). Source field: Model (field 179). Decision: NW."@en ; rdfs:isDefinedBy . pandc:vesselName a owl:DatatypeProperty ; rdfs:label "vesselName"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel name. Identifying property. Source field: VesselName (field 155). Decision: NW."@en ; rdfs:isDefinedBy . pandc:vesselRiskTypeDescription a owl:DatatypeProperty ; rdfs:label "vesselRiskTypeDescription"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Free-text override for HullPolicyRiskType when classification = 'Other'. Source field: HullPolicyRiskTypeOther (field 16"@en ; rdfs:isDefinedBy . pandc:vesselType a owl:DatatypeProperty ; rdfs:label "vesselType"@en ; rdfs:domain pandc:Vessel ; rdfs:range xsd:string ; skos:definition "Vessel type as free text (e.g. 'Barge'). RATING VARIABLE — vessel type affects rate and coverage terms. Source fields: V"@en ; rdfs:isDefinedBy . pandc:vulnerabilityRegion a owl:DatatypeProperty ; rdfs:label "vulnerabilityRegion"@en ; rdfs:domain pandc:RiskLevelCoverage ; rdfs:range xsd:string ; skos:definition "Vulnerability region designation for catastrophe modeling"@en ; rdfs:isDefinedBy . ins:waitingPeriod a owl:DatatypeProperty ; rdfs:label "waitingPeriod"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:integer ; skos:definition "Time-based deductible in hours"@en ; rdfs:isDefinedBy . pandc:waitingPeriodHours a owl:DatatypeProperty ; rdfs:label "waitingPeriodHours"@en ; rdfs:domain pandc:CoveragePremium ; rdfs:range xsd:integer ; skos:definition "Number of hours that must elapse after a covered loss before BI or Extra Expense coverage begins"@en ; rdfs:isDefinedBy . ins:waitingPeriodValue a owl:DatatypeProperty ; rdfs:label "waitingPeriodValue"@en ; rdfs:domain ins:Deductible ; rdfs:range xsd:decimal ; skos:definition "Numeric value of a deductible waiting period. Supersedes ins:waitingPeriod (hours-only xsd:integer) with a flexible deci"@en ; rdfs:isDefinedBy . pandc:warDeclaredValue a owl:DatatypeProperty ; rdfs:label "warDeclaredValue"@en ; rdfs:domain pandc:MarineHullExposure ; rdfs:range xsd:decimal ; skos:definition "Declared value for War coverage."@en ; rdfs:isDefinedBy . pandc:warehouseLocationCount a owl:DatatypeProperty ; rdfs:label "warehouseLocationCount"@en ; rdfs:domain pandc:MarineFreightExposure ; rdfs:range xsd:integer ; skos:definition "Number of warehouse locations at risk under a freight exposure."@en ; rdfs:isDefinedBy . pandc:warehouseSquareFootage a owl:DatatypeProperty ; rdfs:label "warehouseSquareFootage"@en ; rdfs:domain pandc:GLExposure ; rdfs:range xsd:integer ; skos:definition "Warehouse area square footage"@en ; rdfs:isDefinedBy . pandc:warrantyExpirationDate a owl:DatatypeProperty ; rdfs:label "warrantyExpirationDate"@en ; rdfs:domain pandc:BuildingSystemUpdate ; rdfs:range xsd:dateTime ; ec:sourceDatatype "xsd:date" ; ec:dataQualityFlag "W3C-05: source declares xsd:date, which is outside the OWL 2 datatype map; mapped to xsd:dateTime so OWL 2 DL reasoners load the file." ; rdfs:isDefinedBy . pandc:waterSensorRanking a owl:DatatypeProperty ; rdfs:label "waterSensorRanking"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:string ; a owl:FunctionalProperty ; skos:definition "Water sensor ranking for the building"@en ; rdfs:isDefinedBy . ins:websiteUrl a owl:DatatypeProperty ; rdfs:label "websiteUrl"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:string ; skos:definition "Company website URL"@en ; rdfs:isDefinedBy . pandc:wildfireScore a owl:DatatypeProperty ; rdfs:label "wildfireScore"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:integer ; skos:definition "Wildfire risk score for the property location"@en ; rdfs:isDefinedBy . pandc:windBorneDebrisRegion a owl:DatatypeProperty ; rdfs:label "windBorneDebrisRegion"@en ; rdfs:domain pandc:WindAssessment ; rdfs:range xsd:boolean ; skos:definition "Whether location is in wind-borne debris hazard region"@en ; rdfs:isDefinedBy . pandc:windHailDeductiblePercentage a owl:DatatypeProperty ; rdfs:label "windHailDeductiblePercentage"@en ; rdfs:domain pandc:RiskLocationBuilding ; rdfs:range xsd:decimal ; rdfs:isDefinedBy . pandc:windSpeed100Year a owl:DatatypeProperty ; rdfs:label "windSpeed100Year"@en ; rdfs:domain pandc:WindAssessment ; rdfs:range xsd:decimal ; skos:definition "Design wind speed in mph for 100-year return period"@en ; rdfs:isDefinedBy . pandc:windTier a owl:DatatypeProperty ; rdfs:label "windTier"@en ; rdfs:domain pandc:PropertyExposure ; rdfs:range xsd:string ; skos:definition "Wind/hurricane tier classification for coastal exposure"@en ; rdfs:isDefinedBy . ins:wordingSource a owl:DatatypeProperty ; rdfs:label "wordingSource"@en ; rdfs:domain ins:InsuranceCoverage ; rdfs:range xsd:string ; skos:definition "Source system identifier for the policy wording (e.g. 'BRK - Broker Issued', 'CHB - Chubb Issued', 'MKT - Acceptable Mar"@en ; rdfs:isDefinedBy . pandc:worldwideSalesIndicator a owl:DatatypeProperty ; rdfs:label "worldwideSalesIndicator"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:string ; skos:definition "Indicator denoting that the rated sales / revenue exposure base includes the insured's worldwide sales (rather than U.S."@en ; rdfs:isDefinedBy . ins:writtenLinePercentage a owl:DatatypeProperty ; rdfs:label "writtenLinePercentage"@en ; rdfs:domain ins:Policy ; rdfs:range xsd:decimal ; skos:definition "Chubb's co-insurance participation percentage in a risk (0–100; 100 = sole insurer, 70 = Chubb writes 70% line). Source"@en ; rdfs:isDefinedBy . pandc:writtenTaxAmount a owl:DatatypeProperty ; rdfs:label "writtenTaxAmount"@en ; rdfs:domain pandc:LocationTax ; rdfs:range xsd:decimal ; a owl:FunctionalProperty ; skos:definition "Written tax amount"@en ; rdfs:isDefinedBy . pandc:yearBuilt a owl:DatatypeProperty ; rdfs:label "yearBuilt"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; skos:definition "Original construction year of the building or vessel. Domain extended (v10 RA): pandc:Building → adds pandc:Vessel (RATI"@en ; rdfs:isDefinedBy . ins:yearEstablished a owl:DatatypeProperty ; rdfs:label "yearEstablished"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Year the organization was established"@en ; rdfs:isDefinedBy . ins:yearFounded a owl:DatatypeProperty ; rdfs:label "yearFounded"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; a owl:FunctionalProperty ; skos:definition "Year the organization was founded"@en ; rdfs:isDefinedBy . pandc:yearRenovated a owl:DatatypeProperty ; rdfs:label "yearRenovated"@en ; rdfs:domain pandc:Building ; rdfs:range xsd:integer ; ec:sourceDatatype "xsd:gYear" ; ec:dataQualityFlag "W3C-05: source declares xsd:gYear, which is outside the OWL 2 datatype map; mapped to xsd:integer so OWL 2 DL reasoners load the file." ; skos:definition "Most recent major renovation year"@en ; rdfs:isDefinedBy . ins:yearsInBusiness a owl:DatatypeProperty ; rdfs:label "yearsInBusiness"@en ; rdfs:domain [ a owl:Class ; owl:unionOf ( ins:Organization pandc:GLExposure ) ] ; rdfs:range xsd:integer ; skos:definition "Number of years organization has been operating"@en ; rdfs:isDefinedBy . pandc:yearsOfExperience a owl:DatatypeProperty ; rdfs:label "yearsOfExperience"@en ; rdfs:domain pandc:LiabilityExposure ; rdfs:range xsd:integer ; skos:definition "Years of relevant business experience"@en ; rdfs:isDefinedBy . ins:yearsOfHistory a owl:DatatypeProperty ; rdfs:label "yearsOfHistory"@en ; rdfs:domain ins:LossHistorySummary ; rdfs:range xsd:integer ; a owl:FunctionalProperty ; skos:definition "Total number of years covered by this loss history summary"@en ; rdfs:isDefinedBy . ins:yearsWithPriorCarrier a owl:DatatypeProperty ; rdfs:label "yearsWithPriorCarrier"@en ; rdfs:domain ins:Organization ; rdfs:range xsd:integer ; skos:definition "Number of years with previous carrier"@en ; rdfs:isDefinedBy . pandc:zipCode a owl:DatatypeProperty ; rdfs:label "zipCode"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . pandc:zipPlus4 a owl:DatatypeProperty ; rdfs:label "zipPlus4"@en ; rdfs:domain pandc:StandardizedAddress ; rdfs:range xsd:string ; rdfs:isDefinedBy . #---------------------------------------------------------------------------------------------------- # SKOS CONTROLLED VOCABULARIES - 85 code lists harvested from the source LDM #---------------------------------------------------------------------------------------------------- ins:AccountStatusScheme a skos:ConceptScheme ; rdfs:label "AccountStatus Scheme"@en ; skos:prefLabel "AccountStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:AccountStatus_NewBusiness a owl:NamedIndividual, skos:Concept, ins:AccountStatus ; skos:prefLabel "New Business"@en ; rdfs:label "New Business"@en ; skos:inScheme ins:AccountStatusScheme ; skos:topConceptOf ins:AccountStatusScheme . ins:AccountStatusScheme skos:hasTopConcept ins:AccountStatus_NewBusiness . ins:AccountStatus_RenewalBusiness a owl:NamedIndividual, skos:Concept, ins:AccountStatus ; skos:prefLabel "Renewal Business"@en ; rdfs:label "Renewal Business"@en ; skos:inScheme ins:AccountStatusScheme ; skos:topConceptOf ins:AccountStatusScheme . ins:AccountStatusScheme skos:hasTopConcept ins:AccountStatus_RenewalBusiness . ins:AddressTypeScheme a skos:ConceptScheme ; rdfs:label "AddressType Scheme"@en ; skos:prefLabel "AddressType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:AddressType_BillingAddress a owl:NamedIndividual, skos:Concept, ins:AddressType ; skos:prefLabel "Billing Address"@en ; rdfs:label "Billing Address"@en ; skos:inScheme ins:AddressTypeScheme ; skos:topConceptOf ins:AddressTypeScheme . ins:AddressTypeScheme skos:hasTopConcept ins:AddressType_BillingAddress . ins:AddressType_CorrespondenceAddress a owl:NamedIndividual, skos:Concept, ins:AddressType ; skos:prefLabel "Correspondence Address"@en ; rdfs:label "Correspondence Address"@en ; skos:inScheme ins:AddressTypeScheme ; skos:topConceptOf ins:AddressTypeScheme . ins:AddressTypeScheme skos:hasTopConcept ins:AddressType_CorrespondenceAddress . ins:AddressType_LegalAddress a owl:NamedIndividual, skos:Concept, ins:AddressType ; skos:prefLabel "Legal Address"@en ; rdfs:label "Legal Address"@en ; skos:inScheme ins:AddressTypeScheme ; skos:topConceptOf ins:AddressTypeScheme . ins:AddressTypeScheme skos:hasTopConcept ins:AddressType_LegalAddress . ins:AddressType_MailingAddress a owl:NamedIndividual, skos:Concept, ins:AddressType ; skos:prefLabel "Mailing Address"@en ; rdfs:label "Mailing Address"@en ; skos:inScheme ins:AddressTypeScheme ; skos:topConceptOf ins:AddressTypeScheme . ins:AddressTypeScheme skos:hasTopConcept ins:AddressType_MailingAddress . ins:AddressType_PhysicalAddress a owl:NamedIndividual, skos:Concept, ins:AddressType ; skos:prefLabel "Physical Address"@en ; rdfs:label "Physical Address"@en ; skos:inScheme ins:AddressTypeScheme ; skos:topConceptOf ins:AddressTypeScheme . ins:AddressTypeScheme skos:hasTopConcept ins:AddressType_PhysicalAddress . ins:AppointmentStatusScheme a skos:ConceptScheme ; rdfs:label "AppointmentStatus Scheme"@en ; skos:prefLabel "AppointmentStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:AppointmentStatus_Active a owl:NamedIndividual, skos:Concept, ins:AppointmentStatus ; skos:prefLabel "Active"@en ; rdfs:label "Active"@en ; skos:inScheme ins:AppointmentStatusScheme ; skos:topConceptOf ins:AppointmentStatusScheme . ins:AppointmentStatusScheme skos:hasTopConcept ins:AppointmentStatus_Active . ins:AppointmentStatus_Suspended a owl:NamedIndividual, skos:Concept, ins:AppointmentStatus ; skos:prefLabel "Suspended"@en ; rdfs:label "Suspended"@en ; skos:inScheme ins:AppointmentStatusScheme ; skos:topConceptOf ins:AppointmentStatusScheme . ins:AppointmentStatusScheme skos:hasTopConcept ins:AppointmentStatus_Suspended . ins:AppointmentStatus_Terminated a owl:NamedIndividual, skos:Concept, ins:AppointmentStatus ; skos:prefLabel "Terminated"@en ; rdfs:label "Terminated"@en ; skos:inScheme ins:AppointmentStatusScheme ; skos:topConceptOf ins:AppointmentStatusScheme . ins:AppointmentStatusScheme skos:hasTopConcept ins:AppointmentStatus_Terminated . ins:ClaimStatusScheme a skos:ConceptScheme ; rdfs:label "ClaimStatus Scheme"@en ; skos:prefLabel "ClaimStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ClaimStatus_Approved a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Approved"@en ; rdfs:label "Approved"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_Approved . ins:ClaimStatus_Closed a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Closed"@en ; rdfs:label "Closed"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_Closed . ins:ClaimStatus_Denied a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Denied"@en ; rdfs:label "Denied"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_Denied . ins:ClaimStatus_InSubrogation a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "In Subrogation"@en ; rdfs:label "In Subrogation"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_InSubrogation . ins:ClaimStatus_Open a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Open"@en ; rdfs:label "Open"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_Open . ins:ClaimStatus_PendingReview a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Pending Review"@en ; rdfs:label "Pending Review"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_PendingReview . ins:ClaimStatus_Reopened a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Reopened"@en ; rdfs:label "Reopened"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_Reopened . ins:ClaimStatus_Reported a owl:NamedIndividual, skos:Concept, ins:ClaimStatus ; skos:prefLabel "Reported"@en ; rdfs:label "Reported"@en ; skos:inScheme ins:ClaimStatusScheme ; skos:topConceptOf ins:ClaimStatusScheme . ins:ClaimStatusScheme skos:hasTopConcept ins:ClaimStatus_Reported . ins:ClaimTypeScheme a skos:ConceptScheme ; rdfs:label "ClaimType Scheme"@en ; skos:prefLabel "ClaimType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ClaimType_BusinessIncome a owl:NamedIndividual, skos:Concept, ins:ClaimType ; skos:prefLabel "Business Income"@en ; rdfs:label "Business Income"@en ; skos:inScheme ins:ClaimTypeScheme ; skos:topConceptOf ins:ClaimTypeScheme . ins:ClaimTypeScheme skos:hasTopConcept ins:ClaimType_BusinessIncome . ins:ClaimType_FirstPartyProperty a owl:NamedIndividual, skos:Concept, ins:ClaimType ; skos:prefLabel "First Party Property"@en ; rdfs:label "First Party Property"@en ; skos:inScheme ins:ClaimTypeScheme ; skos:topConceptOf ins:ClaimTypeScheme . ins:ClaimTypeScheme skos:hasTopConcept ins:ClaimType_FirstPartyProperty . ins:ClaimType_Subrogation a owl:NamedIndividual, skos:Concept, ins:ClaimType ; skos:prefLabel "Subrogation"@en ; rdfs:label "Subrogation"@en ; skos:inScheme ins:ClaimTypeScheme ; skos:topConceptOf ins:ClaimTypeScheme . ins:ClaimTypeScheme skos:hasTopConcept ins:ClaimType_Subrogation . ins:ClaimType_ThirdPartyLiability a owl:NamedIndividual, skos:Concept, ins:ClaimType ; skos:prefLabel "Third Party Liability"@en ; rdfs:label "Third Party Liability"@en ; skos:inScheme ins:ClaimTypeScheme ; skos:topConceptOf ins:ClaimTypeScheme . ins:ClaimTypeScheme skos:hasTopConcept ins:ClaimType_ThirdPartyLiability . ins:ClaimType_WorkersCompensation a owl:NamedIndividual, skos:Concept, ins:ClaimType ; skos:prefLabel "Workers Compensation"@en ; rdfs:label "Workers Compensation"@en ; skos:inScheme ins:ClaimTypeScheme ; skos:topConceptOf ins:ClaimTypeScheme . ins:ClaimTypeScheme skos:hasTopConcept ins:ClaimType_WorkersCompensation . ins:CommissionTypeScheme a skos:ConceptScheme ; rdfs:label "CommissionType Scheme"@en ; skos:prefLabel "CommissionType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:CommissionType_Flat a owl:NamedIndividual, skos:Concept, ins:CommissionType ; skos:prefLabel "Flat"@en ; rdfs:label "Flat"@en ; skos:inScheme ins:CommissionTypeScheme ; skos:topConceptOf ins:CommissionTypeScheme . ins:CommissionTypeScheme skos:hasTopConcept ins:CommissionType_Flat . ins:CommissionType_Tiered a owl:NamedIndividual, skos:Concept, ins:CommissionType ; skos:prefLabel "Tiered"@en ; rdfs:label "Tiered"@en ; skos:inScheme ins:CommissionTypeScheme ; skos:topConceptOf ins:CommissionTypeScheme . ins:CommissionTypeScheme skos:hasTopConcept ins:CommissionType_Tiered . ins:CommissionType_VolumeBased a owl:NamedIndividual, skos:Concept, ins:CommissionType ; skos:prefLabel "Volume-Based"@en ; rdfs:label "Volume-Based"@en ; skos:inScheme ins:CommissionTypeScheme ; skos:topConceptOf ins:CommissionTypeScheme . ins:CommissionTypeScheme skos:hasTopConcept ins:CommissionType_VolumeBased . ins:CurrencyCodeScheme a skos:ConceptScheme ; rdfs:label "CurrencyCode Scheme"@en ; skos:prefLabel "CurrencyCode"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:CurrencyCode_AUD a owl:NamedIndividual, skos:Concept, ins:CurrencyCode ; skos:prefLabel "AUD"@en ; rdfs:label "AUD"@en ; skos:inScheme ins:CurrencyCodeScheme ; skos:topConceptOf ins:CurrencyCodeScheme . ins:CurrencyCodeScheme skos:hasTopConcept ins:CurrencyCode_AUD . ins:CurrencyCode_MYR a owl:NamedIndividual, skos:Concept, ins:CurrencyCode ; skos:prefLabel "MYR"@en ; rdfs:label "MYR"@en ; skos:inScheme ins:CurrencyCodeScheme ; skos:topConceptOf ins:CurrencyCodeScheme . ins:CurrencyCodeScheme skos:hasTopConcept ins:CurrencyCode_MYR . ins:CurrencyCode_SGD a owl:NamedIndividual, skos:Concept, ins:CurrencyCode ; skos:prefLabel "SGD"@en ; rdfs:label "SGD"@en ; skos:inScheme ins:CurrencyCodeScheme ; skos:topConceptOf ins:CurrencyCodeScheme . ins:CurrencyCodeScheme skos:hasTopConcept ins:CurrencyCode_SGD . ins:CurrencyCode_THB a owl:NamedIndividual, skos:Concept, ins:CurrencyCode ; skos:prefLabel "THB"@en ; rdfs:label "THB"@en ; skos:inScheme ins:CurrencyCodeScheme ; skos:topConceptOf ins:CurrencyCodeScheme . ins:CurrencyCodeScheme skos:hasTopConcept ins:CurrencyCode_THB . ins:CurrencyCode_USD a owl:NamedIndividual, skos:Concept, ins:CurrencyCode ; skos:prefLabel "USD"@en ; rdfs:label "USD"@en ; skos:inScheme ins:CurrencyCodeScheme ; skos:topConceptOf ins:CurrencyCodeScheme . ins:CurrencyCodeScheme skos:hasTopConcept ins:CurrencyCode_USD . ins:CustomerStatusScheme a skos:ConceptScheme ; rdfs:label "CustomerStatus Scheme"@en ; skos:prefLabel "CustomerStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:CustomerStatus_ActiveCustomer a owl:NamedIndividual, skos:Concept, ins:CustomerStatus ; skos:prefLabel "Active Customer"@en ; rdfs:label "Active Customer"@en ; skos:inScheme ins:CustomerStatusScheme ; skos:topConceptOf ins:CustomerStatusScheme . ins:CustomerStatusScheme skos:hasTopConcept ins:CustomerStatus_ActiveCustomer . ins:CustomerStatus_FormerCustomer a owl:NamedIndividual, skos:Concept, ins:CustomerStatus ; skos:prefLabel "Former Customer"@en ; rdfs:label "Former Customer"@en ; skos:inScheme ins:CustomerStatusScheme ; skos:topConceptOf ins:CustomerStatusScheme . ins:CustomerStatusScheme skos:hasTopConcept ins:CustomerStatus_FormerCustomer . ins:CustomerStatus_NeverCustomer a owl:NamedIndividual, skos:Concept, ins:CustomerStatus ; skos:prefLabel "Never Customer"@en ; rdfs:label "Never Customer"@en ; skos:inScheme ins:CustomerStatusScheme ; skos:topConceptOf ins:CustomerStatusScheme . ins:CustomerStatusScheme skos:hasTopConcept ins:CustomerStatus_NeverCustomer . ins:CustomerStatus_Prospect a owl:NamedIndividual, skos:Concept, ins:CustomerStatus ; skos:prefLabel "Prospect"@en ; rdfs:label "Prospect"@en ; skos:inScheme ins:CustomerStatusScheme ; skos:topConceptOf ins:CustomerStatusScheme . ins:CustomerStatusScheme skos:hasTopConcept ins:CustomerStatus_Prospect . ins:DACTypeScheme a skos:ConceptScheme ; rdfs:label "DACType Scheme"@en ; skos:prefLabel "DACType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:DACType_Direct a owl:NamedIndividual, skos:Concept, ins:DACType ; skos:prefLabel "Direct"@en ; rdfs:label "Direct"@en ; skos:inScheme ins:DACTypeScheme ; skos:topConceptOf ins:DACTypeScheme . ins:DACTypeScheme skos:hasTopConcept ins:DACType_Direct . ins:DACType_Fronting a owl:NamedIndividual, skos:Concept, ins:DACType ; skos:prefLabel "Fronting"@en ; rdfs:label "Fronting"@en ; skos:inScheme ins:DACTypeScheme ; skos:topConceptOf ins:DACTypeScheme . ins:DACTypeScheme skos:hasTopConcept ins:DACType_Fronting . ins:DACType_Local a owl:NamedIndividual, skos:Concept, ins:DACType ; skos:prefLabel "Local"@en ; rdfs:label "Local"@en ; skos:inScheme ins:DACTypeScheme ; skos:topConceptOf ins:DACTypeScheme . ins:DACTypeScheme skos:hasTopConcept ins:DACType_Local . ins:DACType_LocalMandatory a owl:NamedIndividual, skos:Concept, ins:DACType ; skos:prefLabel "Local Mandatory"@en ; rdfs:label "Local Mandatory"@en ; skos:inScheme ins:DACTypeScheme ; skos:topConceptOf ins:DACTypeScheme . ins:DACTypeScheme skos:hasTopConcept ins:DACType_LocalMandatory . ins:DACType_SelfInsuredRetention a owl:NamedIndividual, skos:Concept, ins:DACType ; skos:prefLabel "Self Insured Retention"@en ; rdfs:label "Self Insured Retention"@en ; skos:inScheme ins:DACTypeScheme ; skos:topConceptOf ins:DACTypeScheme . ins:DACTypeScheme skos:hasTopConcept ins:DACType_SelfInsuredRetention . ins:DistributionChannelScheme a skos:ConceptScheme ; rdfs:label "DistributionChannel Scheme"@en ; skos:prefLabel "DistributionChannel"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:DistributionChannel_AffinityGroup a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Affinity Group"@en ; rdfs:label "Affinity Group"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_AffinityGroup . ins:DistributionChannel_AgentChannel a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Agent Channel"@en ; rdfs:label "Agent Channel"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_AgentChannel . ins:DistributionChannel_Bancassurance a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Bancassurance"@en ; rdfs:label "Bancassurance"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_Bancassurance . ins:DistributionChannel_BrokerChannel a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Broker Channel"@en ; rdfs:label "Broker Channel"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_BrokerChannel . ins:DistributionChannel_Dealership a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Dealership"@en ; rdfs:label "Dealership"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_Dealership . ins:DistributionChannel_DigitalPartner a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Digital Partner"@en ; rdfs:label "Digital Partner"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_DigitalPartner . ins:DistributionChannel_DirectToConsumer a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Direct to Consumer"@en ; rdfs:label "Direct to Consumer"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_DirectToConsumer . ins:DistributionChannel_Facilities a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Facilities"@en ; rdfs:label "Facilities"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_Facilities . ins:DistributionChannel_GroupSales a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Group Sales"@en ; rdfs:label "Group Sales"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_GroupSales . ins:DistributionChannel_ManagingGeneralAgentMGA a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Managing General Agent (MGA)"@en ; rdfs:label "Managing General Agent (MGA)"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_ManagingGeneralAgentMGA . ins:DistributionChannel_ManagingGeneralUnderwriterMGU a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Managing General Underwriter (MGU)"@en ; rdfs:label "Managing General Underwriter (MGU)"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_ManagingGeneralUnderwriterMGU . ins:DistributionChannel_Manufacturer a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Manufacturer"@en ; rdfs:label "Manufacturer"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_Manufacturer . ins:DistributionChannel_Retail a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Retail"@en ; rdfs:label "Retail"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_Retail . ins:DistributionChannel_TravelAgent a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Travel Agent"@en ; rdfs:label "Travel Agent"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_TravelAgent . ins:DistributionChannel_Wholesaler a owl:NamedIndividual, skos:Concept, ins:DistributionChannel ; skos:prefLabel "Wholesaler"@en ; rdfs:label "Wholesaler"@en ; skos:inScheme ins:DistributionChannelScheme ; skos:topConceptOf ins:DistributionChannelScheme . ins:DistributionChannelScheme skos:hasTopConcept ins:DistributionChannel_Wholesaler . ins:ExclusiveRoleScheme a skos:ConceptScheme ; rdfs:label "ExclusiveRole Scheme"@en ; skos:prefLabel "ExclusiveRole"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ExclusiveRole_CoFollow a owl:NamedIndividual, skos:Concept, ins:ExclusiveRole ; skos:prefLabel "Co-Follow"@en ; rdfs:label "Co-Follow"@en ; skos:inScheme ins:ExclusiveRoleScheme ; skos:topConceptOf ins:ExclusiveRoleScheme . ins:ExclusiveRoleScheme skos:hasTopConcept ins:ExclusiveRole_CoFollow . ins:ExclusiveRole_CoLead a owl:NamedIndividual, skos:Concept, ins:ExclusiveRole ; skos:prefLabel "Co-Lead"@en ; rdfs:label "Co-Lead"@en ; skos:inScheme ins:ExclusiveRoleScheme ; skos:topConceptOf ins:ExclusiveRoleScheme . ins:ExclusiveRoleScheme skos:hasTopConcept ins:ExclusiveRole_CoLead . ins:ExclusiveRole_Exclusive a owl:NamedIndividual, skos:Concept, ins:ExclusiveRole ; skos:prefLabel "Exclusive"@en ; rdfs:label "Exclusive"@en ; skos:inScheme ins:ExclusiveRoleScheme ; skos:topConceptOf ins:ExclusiveRoleScheme . ins:ExclusiveRoleScheme skos:hasTopConcept ins:ExclusiveRole_Exclusive . ins:ExclusiveRole_Follow a owl:NamedIndividual, skos:Concept, ins:ExclusiveRole ; skos:prefLabel "Follow"@en ; rdfs:label "Follow"@en ; skos:inScheme ins:ExclusiveRoleScheme ; skos:topConceptOf ins:ExclusiveRoleScheme . ins:ExclusiveRoleScheme skos:hasTopConcept ins:ExclusiveRole_Follow . ins:ExclusiveRole_Lead a owl:NamedIndividual, skos:Concept, ins:ExclusiveRole ; skos:prefLabel "Lead"@en ; rdfs:label "Lead"@en ; skos:inScheme ins:ExclusiveRoleScheme ; skos:topConceptOf ins:ExclusiveRoleScheme . ins:ExclusiveRoleScheme skos:hasTopConcept ins:ExclusiveRole_Lead . ins:IdentifierStatusScheme a skos:ConceptScheme ; rdfs:label "IdentifierStatus Scheme"@en ; skos:prefLabel "IdentifierStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:IdentifierStatus_Active a owl:NamedIndividual, skos:Concept, ins:IdentifierStatus ; skos:prefLabel "Active"@en ; rdfs:label "Active"@en ; skos:inScheme ins:IdentifierStatusScheme ; skos:topConceptOf ins:IdentifierStatusScheme . ins:IdentifierStatusScheme skos:hasTopConcept ins:IdentifierStatus_Active . ins:IdentifierStatus_Deprecated a owl:NamedIndividual, skos:Concept, ins:IdentifierStatus ; skos:prefLabel "Deprecated"@en ; rdfs:label "Deprecated"@en ; skos:inScheme ins:IdentifierStatusScheme ; skos:topConceptOf ins:IdentifierStatusScheme . ins:IdentifierStatusScheme skos:hasTopConcept ins:IdentifierStatus_Deprecated . ins:IdentifierStatus_Inactive a owl:NamedIndividual, skos:Concept, ins:IdentifierStatus ; skos:prefLabel "Inactive"@en ; rdfs:label "Inactive"@en ; skos:inScheme ins:IdentifierStatusScheme ; skos:topConceptOf ins:IdentifierStatusScheme . ins:IdentifierStatusScheme skos:hasTopConcept ins:IdentifierStatus_Inactive . ins:IdentifierStatus_Superseded a owl:NamedIndividual, skos:Concept, ins:IdentifierStatus ; skos:prefLabel "Superseded"@en ; rdfs:label "Superseded"@en ; skos:inScheme ins:IdentifierStatusScheme ; skos:topConceptOf ins:IdentifierStatusScheme . ins:IdentifierStatusScheme skos:hasTopConcept ins:IdentifierStatus_Superseded . ins:IdentifierSystemScheme a skos:ConceptScheme ; rdfs:label "IdentifierSystem Scheme"@en ; skos:prefLabel "IdentifierSystem"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:IdentifierSystem_LChubb a owl:NamedIndividual, skos:Concept, ins:IdentifierSystem ; skos:prefLabel "L-Chubb"@en ; rdfs:label "L-Chubb"@en ; skos:inScheme ins:IdentifierSystemScheme ; skos:topConceptOf ins:IdentifierSystemScheme . ins:IdentifierSystemScheme skos:hasTopConcept ins:IdentifierSystem_LChubb . ins:IdentifierSystem_NIPR a owl:NamedIndividual, skos:Concept, ins:IdentifierSystem ; skos:prefLabel "NIPR"@en ; rdfs:label "NIPR"@en ; skos:inScheme ins:IdentifierSystemScheme ; skos:topConceptOf ins:IdentifierSystemScheme . ins:IdentifierSystemScheme skos:hasTopConcept ins:IdentifierSystem_NIPR . ins:IdentifierSystem_PALIS a owl:NamedIndividual, skos:Concept, ins:IdentifierSystem ; skos:prefLabel "PALIS"@en ; rdfs:label "PALIS"@en ; skos:inScheme ins:IdentifierSystemScheme ; skos:topConceptOf ins:IdentifierSystemScheme . ins:IdentifierSystemScheme skos:hasTopConcept ins:IdentifierSystem_PALIS . ins:IdentifierSystem_PASProducer a owl:NamedIndividual, skos:Concept, ins:IdentifierSystem ; skos:prefLabel "PAS Producer"@en ; rdfs:label "PAS Producer"@en ; skos:inScheme ins:IdentifierSystemScheme ; skos:topConceptOf ins:IdentifierSystemScheme . ins:IdentifierSystemScheme skos:hasTopConcept ins:IdentifierSystem_PASProducer . ins:IdentifierSystem_PMS a owl:NamedIndividual, skos:Concept, ins:IdentifierSystem ; skos:prefLabel "PMS"@en ; rdfs:label "PMS"@en ; skos:inScheme ins:IdentifierSystemScheme ; skos:topConceptOf ins:IdentifierSystemScheme . ins:IdentifierSystemScheme skos:hasTopConcept ins:IdentifierSystem_PMS . ins:IdentifierTypeScheme a skos:ConceptScheme ; rdfs:label "IdentifierType Scheme"@en ; skos:prefLabel "IdentifierType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:IdentifierType_ProducerNumber a owl:NamedIndividual, skos:Concept, ins:IdentifierType ; skos:prefLabel "Producer Number"@en ; rdfs:label "Producer Number"@en ; skos:inScheme ins:IdentifierTypeScheme ; skos:topConceptOf ins:IdentifierTypeScheme . ins:IdentifierTypeScheme skos:hasTopConcept ins:IdentifierType_ProducerNumber . ins:IdentifierType_SubProducerNumber a owl:NamedIndividual, skos:Concept, ins:IdentifierType ; skos:prefLabel "Sub-Producer Number"@en ; rdfs:label "Sub-Producer Number"@en ; skos:inScheme ins:IdentifierTypeScheme ; skos:topConceptOf ins:IdentifierTypeScheme . ins:IdentifierTypeScheme skos:hasTopConcept ins:IdentifierType_SubProducerNumber . ins:LimitTypeScheme a skos:ConceptScheme ; rdfs:label "LimitType Scheme"@en ; skos:prefLabel "LimitType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:LimitType_PerPersonLimit a owl:NamedIndividual, skos:Concept, ins:LimitType ; skos:prefLabel "Per Person Limit"@en ; rdfs:label "Per Person Limit"@en ; skos:inScheme ins:LimitTypeScheme ; skos:topConceptOf ins:LimitTypeScheme . ins:LimitTypeScheme skos:hasTopConcept ins:LimitType_PerPersonLimit . ins:LimitType_UnderlyingLimit a owl:NamedIndividual, skos:Concept, ins:LimitType ; skos:prefLabel "Underlying Limit"@en ; rdfs:label "Underlying Limit"@en ; skos:inScheme ins:LimitTypeScheme ; skos:topConceptOf ins:LimitTypeScheme . ins:LimitTypeScheme skos:hasTopConcept ins:LimitType_UnderlyingLimit . ins:LimitValueMeasureTypeScheme a skos:ConceptScheme ; rdfs:label "LimitValueMeasureType Scheme"@en ; skos:prefLabel "LimitValueMeasureType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:LimitValueMeasureType_FixedAmountLimit a owl:NamedIndividual, skos:Concept, ins:LimitValueMeasureType ; skos:prefLabel "Fixed Amount Limit"@en ; rdfs:label "Fixed Amount Limit"@en ; skos:inScheme ins:LimitValueMeasureTypeScheme ; skos:topConceptOf ins:LimitValueMeasureTypeScheme . ins:LimitValueMeasureTypeScheme skos:hasTopConcept ins:LimitValueMeasureType_FixedAmountLimit . ins:LimitValueMeasureType_PercentageLimit a owl:NamedIndividual, skos:Concept, ins:LimitValueMeasureType ; skos:prefLabel "Percentage Limit"@en ; rdfs:label "Percentage Limit"@en ; skos:inScheme ins:LimitValueMeasureTypeScheme ; skos:topConceptOf ins:LimitValueMeasureTypeScheme . ins:LimitValueMeasureTypeScheme skos:hasTopConcept ins:LimitValueMeasureType_PercentageLimit . ins:PartyStatusScheme a skos:ConceptScheme ; rdfs:label "PartyStatus Scheme"@en ; skos:prefLabel "PartyStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:PartyStatus_Active a owl:NamedIndividual, skos:Concept, ins:PartyStatus ; skos:prefLabel "Active"@en ; rdfs:label "Active"@en ; skos:inScheme ins:PartyStatusScheme ; skos:topConceptOf ins:PartyStatusScheme . ins:PartyStatusScheme skos:hasTopConcept ins:PartyStatus_Active . ins:PartyStatus_Dissolved a owl:NamedIndividual, skos:Concept, ins:PartyStatus ; skos:prefLabel "Dissolved"@en ; rdfs:label "Dissolved"@en ; skos:inScheme ins:PartyStatusScheme ; skos:topConceptOf ins:PartyStatusScheme . ins:PartyStatusScheme skos:hasTopConcept ins:PartyStatus_Dissolved . ins:PartyStatus_Inactive a owl:NamedIndividual, skos:Concept, ins:PartyStatus ; skos:prefLabel "Inactive"@en ; rdfs:label "Inactive"@en ; skos:inScheme ins:PartyStatusScheme ; skos:topConceptOf ins:PartyStatusScheme . ins:PartyStatusScheme skos:hasTopConcept ins:PartyStatus_Inactive . ins:PartyStatus_Merged a owl:NamedIndividual, skos:Concept, ins:PartyStatus ; skos:prefLabel "Merged"@en ; rdfs:label "Merged"@en ; skos:inScheme ins:PartyStatusScheme ; skos:topConceptOf ins:PartyStatusScheme . ins:PartyStatusScheme skos:hasTopConcept ins:PartyStatus_Merged . ins:PartyStatus_Suspended a owl:NamedIndividual, skos:Concept, ins:PartyStatus ; skos:prefLabel "Suspended"@en ; rdfs:label "Suspended"@en ; skos:inScheme ins:PartyStatusScheme ; skos:topConceptOf ins:PartyStatusScheme . ins:PartyStatusScheme skos:hasTopConcept ins:PartyStatus_Suspended . ins:PartyTypeScheme a skos:ConceptScheme ; rdfs:label "PartyType Scheme"@en ; skos:prefLabel "PartyType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:PartyType_Organization a owl:NamedIndividual, skos:Concept, ins:PartyType ; skos:prefLabel "Organization"@en ; rdfs:label "Organization"@en ; skos:inScheme ins:PartyTypeScheme ; skos:topConceptOf ins:PartyTypeScheme . ins:PartyTypeScheme skos:hasTopConcept ins:PartyType_Organization . ins:PartyType_Person a owl:NamedIndividual, skos:Concept, ins:PartyType ; skos:prefLabel "Person"@en ; rdfs:label "Person"@en ; skos:inScheme ins:PartyTypeScheme ; skos:topConceptOf ins:PartyTypeScheme . ins:PartyTypeScheme skos:hasTopConcept ins:PartyType_Person . ins:PolicyStatusScheme a skos:ConceptScheme ; rdfs:label "PolicyStatus Scheme"@en ; skos:prefLabel "PolicyStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:PolicyStatus_Active a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Active"@en ; rdfs:label "Active"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Active . ins:PolicyStatus_Bound a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Bound"@en ; rdfs:label "Bound"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Bound . ins:PolicyStatus_Cancelled a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Cancelled"@en ; rdfs:label "Cancelled"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Cancelled . ins:PolicyStatus_Expired a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Expired"@en ; rdfs:label "Expired"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Expired . ins:PolicyStatus_InProgress a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "In Progress"@en ; rdfs:label "In Progress"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_InProgress . ins:PolicyStatus_Lapsed a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Lapsed"@en ; rdfs:label "Lapsed"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Lapsed . ins:PolicyStatus_NonRenewed a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Non-Renewed"@en ; rdfs:label "Non-Renewed"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_NonRenewed . ins:PolicyStatus_PreRegistered a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Pre-registered"@en ; rdfs:label "Pre-registered"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_PreRegistered . ins:PolicyStatus_Reinstated a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Reinstated"@en ; rdfs:label "Reinstated"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Reinstated . ins:PolicyStatus_Renewed a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Renewed"@en ; rdfs:label "Renewed"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Renewed . ins:PolicyStatus_ReplacementPolicy a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Replacement Policy"@en ; rdfs:label "Replacement Policy"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_ReplacementPolicy . ins:PolicyStatus_Runoff a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Runoff"@en ; rdfs:label "Runoff"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Runoff . ins:PolicyStatus_Suspended a owl:NamedIndividual, skos:Concept, ins:PolicyStatus ; skos:prefLabel "Suspended"@en ; rdfs:label "Suspended"@en ; skos:inScheme ins:PolicyStatusScheme ; skos:topConceptOf ins:PolicyStatusScheme . ins:PolicyStatusScheme skos:hasTopConcept ins:PolicyStatus_Suspended . ins:PortfolioClassScheme a skos:ConceptScheme ; rdfs:label "PortfolioClass Scheme"@en ; skos:prefLabel "PortfolioClass"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:PortfolioClass_Challenged a owl:NamedIndividual, skos:Concept, ins:PortfolioClass ; skos:prefLabel "Challenged"@en ; rdfs:label "Challenged"@en ; skos:inScheme ins:PortfolioClassScheme ; skos:topConceptOf ins:PortfolioClassScheme . ins:PortfolioClassScheme skos:hasTopConcept ins:PortfolioClass_Challenged . ins:PortfolioClass_NotSegmented a owl:NamedIndividual, skos:Concept, ins:PortfolioClass ; skos:prefLabel "Not Segmented"@en ; rdfs:label "Not Segmented"@en ; skos:inScheme ins:PortfolioClassScheme ; skos:topConceptOf ins:PortfolioClassScheme . ins:PortfolioClassScheme skos:hasTopConcept ins:PortfolioClass_NotSegmented . ins:PortfolioClass_Preferred a owl:NamedIndividual, skos:Concept, ins:PortfolioClass ; skos:prefLabel "Preferred"@en ; rdfs:label "Preferred"@en ; skos:inScheme ins:PortfolioClassScheme ; skos:topConceptOf ins:PortfolioClassScheme . ins:PortfolioClassScheme skos:hasTopConcept ins:PortfolioClass_Preferred . ins:PortfolioClass_PreferredAccount a owl:NamedIndividual, skos:Concept, ins:PortfolioClass ; skos:prefLabel "Preferred Account"@en ; rdfs:label "Preferred Account"@en ; skos:inScheme ins:PortfolioClassScheme ; skos:topConceptOf ins:PortfolioClassScheme . ins:PortfolioClassScheme skos:hasTopConcept ins:PortfolioClass_PreferredAccount . ins:PortfolioClass_Standard a owl:NamedIndividual, skos:Concept, ins:PortfolioClass ; skos:prefLabel "Standard"@en ; rdfs:label "Standard"@en ; skos:inScheme ins:PortfolioClassScheme ; skos:topConceptOf ins:PortfolioClassScheme . ins:PortfolioClassScheme skos:hasTopConcept ins:PortfolioClass_Standard . ins:PortfolioClass_StandardAccount a owl:NamedIndividual, skos:Concept, ins:PortfolioClass ; skos:prefLabel "Standard Account"@en ; rdfs:label "Standard Account"@en ; skos:inScheme ins:PortfolioClassScheme ; skos:topConceptOf ins:PortfolioClassScheme . ins:PortfolioClassScheme skos:hasTopConcept ins:PortfolioClass_StandardAccount . ins:PremiumInstallmentFrequencyScheme a skos:ConceptScheme ; rdfs:label "PremiumInstallmentFrequency Scheme"@en ; skos:prefLabel "PremiumInstallmentFrequency"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:PremiumInstallmentFrequency_Annually a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Annually"@en ; rdfs:label "Annually"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_Annually . ins:PremiumInstallmentFrequency_Bimonthly a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Bimonthly"@en ; rdfs:label "Bimonthly"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_Bimonthly . ins:PremiumInstallmentFrequency_HalfYearly a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Half Yearly"@en ; rdfs:label "Half Yearly"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_HalfYearly . ins:PremiumInstallmentFrequency_Monthly a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Monthly"@en ; rdfs:label "Monthly"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_Monthly . ins:PremiumInstallmentFrequency_Other a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Other"@en ; rdfs:label "Other"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_Other . ins:PremiumInstallmentFrequency_Quarterly a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Quarterly"@en ; rdfs:label "Quarterly"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_Quarterly . ins:PremiumInstallmentFrequency_Single a owl:NamedIndividual, skos:Concept, ins:PremiumInstallmentFrequency ; skos:prefLabel "Single"@en ; rdfs:label "Single"@en ; skos:inScheme ins:PremiumInstallmentFrequencyScheme ; skos:topConceptOf ins:PremiumInstallmentFrequencyScheme . ins:PremiumInstallmentFrequencyScheme skos:hasTopConcept ins:PremiumInstallmentFrequency_Single . ins:PremiumTypeScheme a skos:ConceptScheme ; rdfs:label "PremiumType Scheme"@en ; skos:prefLabel "PremiumType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:PremiumType_PremiumFromInsured a owl:NamedIndividual, skos:Concept, ins:PremiumType ; skos:prefLabel "Premium From Insured"@en ; rdfs:label "Premium From Insured"@en ; skos:inScheme ins:PremiumTypeScheme ; skos:topConceptOf ins:PremiumTypeScheme . ins:PremiumTypeScheme skos:hasTopConcept ins:PremiumType_PremiumFromInsured . ins:PremiumType_PremiumFromLeaderCedant a owl:NamedIndividual, skos:Concept, ins:PremiumType ; skos:prefLabel "Premium From Leader/Cedant"@en ; rdfs:label "Premium From Leader/Cedant"@en ; skos:inScheme ins:PremiumTypeScheme ; skos:topConceptOf ins:PremiumTypeScheme . ins:PremiumTypeScheme skos:hasTopConcept ins:PremiumType_PremiumFromLeaderCedant . ins:QuoteStatusScheme a skos:ConceptScheme ; rdfs:label "QuoteStatus Scheme"@en ; skos:prefLabel "QuoteStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:QuoteStatus_Accepted a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Accepted"@en ; rdfs:label "Accepted"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Accepted . ins:QuoteStatus_Approved a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Approved"@en ; rdfs:label "Approved"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Approved . ins:QuoteStatus_Bound a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Bound"@en ; rdfs:label "Bound"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Bound . ins:QuoteStatus_Declined a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Declined"@en ; rdfs:label "Declined"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Declined . ins:QuoteStatus_Draft a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Draft"@en ; rdfs:label "Draft"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Draft . ins:QuoteStatus_Expired a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Expired"@en ; rdfs:label "Expired"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Expired . ins:QuoteStatus_InProgress a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "In Progress"@en ; rdfs:label "In Progress"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_InProgress . ins:QuoteStatus_PendingApproval a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Pending Approval"@en ; rdfs:label "Pending Approval"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_PendingApproval . ins:QuoteStatus_Presented a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Presented"@en ; rdfs:label "Presented"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Presented . ins:QuoteStatus_ReferredToUnderwriter a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Referred to Underwriter"@en ; rdfs:label "Referred to Underwriter"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_ReferredToUnderwriter . ins:QuoteStatus_Rejected a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Rejected"@en ; rdfs:label "Rejected"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Rejected . ins:QuoteStatus_Superseded a owl:NamedIndividual, skos:Concept, ins:QuoteStatus ; skos:prefLabel "Superseded"@en ; rdfs:label "Superseded"@en ; skos:inScheme ins:QuoteStatusScheme ; skos:topConceptOf ins:QuoteStatusScheme . ins:QuoteStatusScheme skos:hasTopConcept ins:QuoteStatus_Superseded . ins:QuoteTypeScheme a skos:ConceptScheme ; rdfs:label "QuoteType Scheme"@en ; skos:prefLabel "QuoteType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:QuoteType_Cancellation a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "Cancellation"@en ; rdfs:label "Cancellation"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_Cancellation . ins:QuoteType_CrossSell a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "Cross-Sell"@en ; rdfs:label "Cross-Sell"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_CrossSell . ins:QuoteType_Endorsement a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "Endorsement"@en ; rdfs:label "Endorsement"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_Endorsement . ins:QuoteType_NewBusiness a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "New Business"@en ; rdfs:label "New Business"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_NewBusiness . ins:QuoteType_Reissue a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "Reissue"@en ; rdfs:label "Reissue"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_Reissue . ins:QuoteType_Renewal a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "Renewal"@en ; rdfs:label "Renewal"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_Renewal . ins:QuoteType_Rewrite a owl:NamedIndividual, skos:Concept, ins:QuoteType ; skos:prefLabel "Rewrite"@en ; rdfs:label "Rewrite"@en ; skos:inScheme ins:QuoteTypeScheme ; skos:topConceptOf ins:QuoteTypeScheme . ins:QuoteTypeScheme skos:hasTopConcept ins:QuoteType_Rewrite . ins:ReferralReasonScheme a skos:ConceptScheme ; rdfs:label "ReferralReason Scheme"@en ; skos:prefLabel "ReferralReason"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ReferralReason_Capacity a owl:NamedIndividual, skos:Concept, ins:ReferralReason ; skos:prefLabel "Capacity"@en ; rdfs:label "Capacity"@en ; skos:inScheme ins:ReferralReasonScheme ; skos:topConceptOf ins:ReferralReasonScheme . ins:ReferralReasonScheme skos:hasTopConcept ins:ReferralReason_Capacity . ins:ReferralReason_Other a owl:NamedIndividual, skos:Concept, ins:ReferralReason ; skos:prefLabel "Other"@en ; rdfs:label "Other"@en ; skos:inScheme ins:ReferralReasonScheme ; skos:topConceptOf ins:ReferralReasonScheme . ins:ReferralReasonScheme skos:hasTopConcept ins:ReferralReason_Other . ins:ReferralReason_RateChange a owl:NamedIndividual, skos:Concept, ins:ReferralReason ; skos:prefLabel "Rate Change"@en ; rdfs:label "Rate Change"@en ; skos:inScheme ins:ReferralReasonScheme ; skos:topConceptOf ins:ReferralReasonScheme . ins:ReferralReasonScheme skos:hasTopConcept ins:ReferralReason_RateChange . ins:ReinsuranceStatusScheme a skos:ConceptScheme ; rdfs:label "ReinsuranceStatus Scheme"@en ; skos:prefLabel "ReinsuranceStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ReinsuranceStatus_Bound a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStatus ; skos:prefLabel "Bound"@en ; rdfs:label "Bound"@en ; skos:inScheme ins:ReinsuranceStatusScheme ; skos:topConceptOf ins:ReinsuranceStatusScheme . ins:ReinsuranceStatusScheme skos:hasTopConcept ins:ReinsuranceStatus_Bound . ins:ReinsuranceStatus_Cancelled a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStatus ; skos:prefLabel "Cancelled"@en ; rdfs:label "Cancelled"@en ; skos:inScheme ins:ReinsuranceStatusScheme ; skos:topConceptOf ins:ReinsuranceStatusScheme . ins:ReinsuranceStatusScheme skos:hasTopConcept ins:ReinsuranceStatus_Cancelled . ins:ReinsuranceStatus_Commuted a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStatus ; skos:prefLabel "Commuted"@en ; rdfs:label "Commuted"@en ; skos:inScheme ins:ReinsuranceStatusScheme ; skos:topConceptOf ins:ReinsuranceStatusScheme . ins:ReinsuranceStatusScheme skos:hasTopConcept ins:ReinsuranceStatus_Commuted . ins:ReinsuranceStatus_Expired a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStatus ; skos:prefLabel "Expired"@en ; rdfs:label "Expired"@en ; skos:inScheme ins:ReinsuranceStatusScheme ; skos:topConceptOf ins:ReinsuranceStatusScheme . ins:ReinsuranceStatusScheme skos:hasTopConcept ins:ReinsuranceStatus_Expired . ins:ReinsuranceStatus_Negotiating a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStatus ; skos:prefLabel "Negotiating"@en ; rdfs:label "Negotiating"@en ; skos:inScheme ins:ReinsuranceStatusScheme ; skos:topConceptOf ins:ReinsuranceStatusScheme . ins:ReinsuranceStatusScheme skos:hasTopConcept ins:ReinsuranceStatus_Negotiating . ins:ReinsuranceStatus_RunOff a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStatus ; skos:prefLabel "Run-Off"@en ; rdfs:label "Run-Off"@en ; skos:inScheme ins:ReinsuranceStatusScheme ; skos:topConceptOf ins:ReinsuranceStatusScheme . ins:ReinsuranceStatusScheme skos:hasTopConcept ins:ReinsuranceStatus_RunOff . ins:ReinsuranceStructureScheme a skos:ConceptScheme ; rdfs:label "ReinsuranceStructure Scheme"@en ; skos:prefLabel "ReinsuranceStructure"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ReinsuranceStructure_AggregateExcessOfLoss a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStructure ; skos:prefLabel "Aggregate Excess of Loss"@en ; rdfs:label "Aggregate Excess of Loss"@en ; skos:inScheme ins:ReinsuranceStructureScheme ; skos:topConceptOf ins:ReinsuranceStructureScheme . ins:ReinsuranceStructureScheme skos:hasTopConcept ins:ReinsuranceStructure_AggregateExcessOfLoss . ins:ReinsuranceStructure_CatastropheXOL a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStructure ; skos:prefLabel "Catastrophe XOL"@en ; rdfs:label "Catastrophe XOL"@en ; skos:inScheme ins:ReinsuranceStructureScheme ; skos:topConceptOf ins:ReinsuranceStructureScheme . ins:ReinsuranceStructureScheme skos:hasTopConcept ins:ReinsuranceStructure_CatastropheXOL . ins:ReinsuranceStructure_ExcessOfLoss a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStructure ; skos:prefLabel "Excess of Loss"@en ; rdfs:label "Excess of Loss"@en ; skos:inScheme ins:ReinsuranceStructureScheme ; skos:topConceptOf ins:ReinsuranceStructureScheme . ins:ReinsuranceStructureScheme skos:hasTopConcept ins:ReinsuranceStructure_ExcessOfLoss . ins:ReinsuranceStructure_QuotaShare a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStructure ; skos:prefLabel "Quota Share"@en ; rdfs:label "Quota Share"@en ; skos:inScheme ins:ReinsuranceStructureScheme ; skos:topConceptOf ins:ReinsuranceStructureScheme . ins:ReinsuranceStructureScheme skos:hasTopConcept ins:ReinsuranceStructure_QuotaShare . ins:ReinsuranceStructure_StopLoss a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStructure ; skos:prefLabel "Stop Loss"@en ; rdfs:label "Stop Loss"@en ; skos:inScheme ins:ReinsuranceStructureScheme ; skos:topConceptOf ins:ReinsuranceStructureScheme . ins:ReinsuranceStructureScheme skos:hasTopConcept ins:ReinsuranceStructure_StopLoss . ins:ReinsuranceStructure_SurplusShare a owl:NamedIndividual, skos:Concept, ins:ReinsuranceStructure ; skos:prefLabel "Surplus Share"@en ; rdfs:label "Surplus Share"@en ; skos:inScheme ins:ReinsuranceStructureScheme ; skos:topConceptOf ins:ReinsuranceStructureScheme . ins:ReinsuranceStructureScheme skos:hasTopConcept ins:ReinsuranceStructure_SurplusShare . ins:ReinsuranceTypeScheme a skos:ConceptScheme ; rdfs:label "ReinsuranceType Scheme"@en ; skos:prefLabel "ReinsuranceType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:ReinsuranceType_Facultative a owl:NamedIndividual, skos:Concept, ins:ReinsuranceType ; skos:prefLabel "Facultative"@en ; rdfs:label "Facultative"@en ; skos:inScheme ins:ReinsuranceTypeScheme ; skos:topConceptOf ins:ReinsuranceTypeScheme . ins:ReinsuranceTypeScheme skos:hasTopConcept ins:ReinsuranceType_Facultative . ins:ReinsuranceType_Retrocession a owl:NamedIndividual, skos:Concept, ins:ReinsuranceType ; skos:prefLabel "Retrocession"@en ; rdfs:label "Retrocession"@en ; skos:inScheme ins:ReinsuranceTypeScheme ; skos:topConceptOf ins:ReinsuranceTypeScheme . ins:ReinsuranceTypeScheme skos:hasTopConcept ins:ReinsuranceType_Retrocession . ins:ReinsuranceType_Treaty a owl:NamedIndividual, skos:Concept, ins:ReinsuranceType ; skos:prefLabel "Treaty"@en ; rdfs:label "Treaty"@en ; skos:inScheme ins:ReinsuranceTypeScheme ; skos:topConceptOf ins:ReinsuranceTypeScheme . ins:ReinsuranceTypeScheme skos:hasTopConcept ins:ReinsuranceType_Treaty . ins:RenewalTypeScheme a skos:ConceptScheme ; rdfs:label "RenewalType Scheme"@en ; skos:prefLabel "RenewalType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:RenewalType_AutomaticNoReview a owl:NamedIndividual, skos:Concept, ins:RenewalType ; skos:prefLabel "Automatic No Review"@en ; rdfs:label "Automatic No Review"@en ; skos:inScheme ins:RenewalTypeScheme ; skos:topConceptOf ins:RenewalTypeScheme . ins:RenewalTypeScheme skos:hasTopConcept ins:RenewalType_AutomaticNoReview . ins:RenewalType_AutomaticReview a owl:NamedIndividual, skos:Concept, ins:RenewalType ; skos:prefLabel "Automatic Review"@en ; rdfs:label "Automatic Review"@en ; skos:inScheme ins:RenewalTypeScheme ; skos:topConceptOf ins:RenewalTypeScheme . ins:RenewalTypeScheme skos:hasTopConcept ins:RenewalType_AutomaticReview . ins:RenewalType_DoNotRenew a owl:NamedIndividual, skos:Concept, ins:RenewalType ; skos:prefLabel "Do Not Renew"@en ; rdfs:label "Do Not Renew"@en ; skos:inScheme ins:RenewalTypeScheme ; skos:topConceptOf ins:RenewalTypeScheme . ins:RenewalTypeScheme skos:hasTopConcept ins:RenewalType_DoNotRenew . ins:RenewalType_ManualRenewal a owl:NamedIndividual, skos:Concept, ins:RenewalType ; skos:prefLabel "Manual Renewal"@en ; rdfs:label "Manual Renewal"@en ; skos:inScheme ins:RenewalTypeScheme ; skos:topConceptOf ins:RenewalTypeScheme . ins:RenewalTypeScheme skos:hasTopConcept ins:RenewalType_ManualRenewal . ins:RenewalType_NotRenewable a owl:NamedIndividual, skos:Concept, ins:RenewalType ; skos:prefLabel "Not Renewable"@en ; rdfs:label "Not Renewable"@en ; skos:inScheme ins:RenewalTypeScheme ; skos:topConceptOf ins:RenewalTypeScheme . ins:RenewalTypeScheme skos:hasTopConcept ins:RenewalType_NotRenewable . ins:RenewalType_TacticalRenewal a owl:NamedIndividual, skos:Concept, ins:RenewalType ; skos:prefLabel "Tactical Renewal"@en ; rdfs:label "Tactical Renewal"@en ; skos:inScheme ins:RenewalTypeScheme ; skos:topConceptOf ins:RenewalTypeScheme . ins:RenewalTypeScheme skos:hasTopConcept ins:RenewalType_TacticalRenewal . ins:RoleContextScheme a skos:ConceptScheme ; rdfs:label "RoleContext Scheme"@en ; skos:prefLabel "RoleContext"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:RoleContext_Claim a owl:NamedIndividual, skos:Concept, ins:RoleContext ; skos:prefLabel "Claim"@en ; rdfs:label "Claim"@en ; skos:inScheme ins:RoleContextScheme ; skos:topConceptOf ins:RoleContextScheme . ins:RoleContextScheme skos:hasTopConcept ins:RoleContext_Claim . ins:RoleContext_Global a owl:NamedIndividual, skos:Concept, ins:RoleContext ; skos:prefLabel "Global"@en ; rdfs:label "Global"@en ; skos:inScheme ins:RoleContextScheme ; skos:topConceptOf ins:RoleContextScheme . ins:RoleContextScheme skos:hasTopConcept ins:RoleContext_Global . ins:RoleContext_PolicyTerm a owl:NamedIndividual, skos:Concept, ins:RoleContext ; skos:prefLabel "Policy Term"@en ; rdfs:label "Policy Term"@en ; skos:inScheme ins:RoleContextScheme ; skos:topConceptOf ins:RoleContextScheme . ins:RoleContextScheme skos:hasTopConcept ins:RoleContext_PolicyTerm . ins:RoleStatusScheme a skos:ConceptScheme ; rdfs:label "RoleStatus Scheme"@en ; skos:prefLabel "RoleStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:RoleStatus_Active a owl:NamedIndividual, skos:Concept, ins:RoleStatus ; skos:prefLabel "Active"@en ; rdfs:label "Active"@en ; skos:inScheme ins:RoleStatusScheme ; skos:topConceptOf ins:RoleStatusScheme . ins:RoleStatusScheme skos:hasTopConcept ins:RoleStatus_Active . ins:RoleStatus_Inactive a owl:NamedIndividual, skos:Concept, ins:RoleStatus ; skos:prefLabel "Inactive"@en ; rdfs:label "Inactive"@en ; skos:inScheme ins:RoleStatusScheme ; skos:topConceptOf ins:RoleStatusScheme . ins:RoleStatusScheme skos:hasTopConcept ins:RoleStatus_Inactive . ins:RoleStatus_Suspended a owl:NamedIndividual, skos:Concept, ins:RoleStatus ; skos:prefLabel "Suspended"@en ; rdfs:label "Suspended"@en ; skos:inScheme ins:RoleStatusScheme ; skos:topConceptOf ins:RoleStatusScheme . ins:RoleStatusScheme skos:hasTopConcept ins:RoleStatus_Suspended . ins:SubmissionCategoryScheme a skos:ConceptScheme ; rdfs:label "SubmissionCategory Scheme"@en ; skos:prefLabel "SubmissionCategory"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:SubmissionCategory_Structured a owl:NamedIndividual, skos:Concept, ins:SubmissionCategory ; skos:prefLabel "Structured"@en ; rdfs:label "Structured"@en ; skos:inScheme ins:SubmissionCategoryScheme ; skos:topConceptOf ins:SubmissionCategoryScheme . ins:SubmissionCategoryScheme skos:hasTopConcept ins:SubmissionCategory_Structured . ins:SubmissionCategory_Unstructured a owl:NamedIndividual, skos:Concept, ins:SubmissionCategory ; skos:prefLabel "Unstructured"@en ; rdfs:label "Unstructured"@en ; skos:inScheme ins:SubmissionCategoryScheme ; skos:topConceptOf ins:SubmissionCategoryScheme . ins:SubmissionCategoryScheme skos:hasTopConcept ins:SubmissionCategory_Unstructured . ins:SubmissionRoleTypeScheme a skos:ConceptScheme ; rdfs:label "SubmissionRoleType Scheme"@en ; skos:prefLabel "SubmissionRoleType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:SubmissionRoleType_Agent a owl:NamedIndividual, skos:Concept, ins:SubmissionRoleType ; skos:prefLabel "Agent"@en ; rdfs:label "Agent"@en ; skos:inScheme ins:SubmissionRoleTypeScheme ; skos:topConceptOf ins:SubmissionRoleTypeScheme . ins:SubmissionRoleTypeScheme skos:hasTopConcept ins:SubmissionRoleType_Agent . ins:SubmissionRoleType_Applicant a owl:NamedIndividual, skos:Concept, ins:SubmissionRoleType ; skos:prefLabel "Applicant"@en ; rdfs:label "Applicant"@en ; skos:inScheme ins:SubmissionRoleTypeScheme ; skos:topConceptOf ins:SubmissionRoleTypeScheme . ins:SubmissionRoleTypeScheme skos:hasTopConcept ins:SubmissionRoleType_Applicant . ins:SubmissionRoleType_Broker a owl:NamedIndividual, skos:Concept, ins:SubmissionRoleType ; skos:prefLabel "Broker"@en ; rdfs:label "Broker"@en ; skos:inScheme ins:SubmissionRoleTypeScheme ; skos:topConceptOf ins:SubmissionRoleTypeScheme . ins:SubmissionRoleTypeScheme skos:hasTopConcept ins:SubmissionRoleType_Broker . ins:SubmissionRoleType_Contact a owl:NamedIndividual, skos:Concept, ins:SubmissionRoleType ; skos:prefLabel "Contact"@en ; rdfs:label "Contact"@en ; skos:inScheme ins:SubmissionRoleTypeScheme ; skos:topConceptOf ins:SubmissionRoleTypeScheme . ins:SubmissionRoleTypeScheme skos:hasTopConcept ins:SubmissionRoleType_Contact . ins:SubmissionRoleType_Producer a owl:NamedIndividual, skos:Concept, ins:SubmissionRoleType ; skos:prefLabel "Producer"@en ; rdfs:label "Producer"@en ; skos:inScheme ins:SubmissionRoleTypeScheme ; skos:topConceptOf ins:SubmissionRoleTypeScheme . ins:SubmissionRoleTypeScheme skos:hasTopConcept ins:SubmissionRoleType_Producer . ins:SubmissionSourceScheme a skos:ConceptScheme ; rdfs:label "SubmissionSource Scheme"@en ; skos:prefLabel "SubmissionSource"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:SubmissionSource_API a owl:NamedIndividual, skos:Concept, ins:SubmissionSource ; skos:prefLabel "API"@en ; rdfs:label "API"@en ; skos:inScheme ins:SubmissionSourceScheme ; skos:topConceptOf ins:SubmissionSourceScheme . ins:SubmissionSourceScheme skos:hasTopConcept ins:SubmissionSource_API . ins:SubmissionSource_Email a owl:NamedIndividual, skos:Concept, ins:SubmissionSource ; skos:prefLabel "Email"@en ; rdfs:label "Email"@en ; skos:inScheme ins:SubmissionSourceScheme ; skos:topConceptOf ins:SubmissionSourceScheme . ins:SubmissionSourceScheme skos:hasTopConcept ins:SubmissionSource_Email . ins:SubmissionSource_Manual a owl:NamedIndividual, skos:Concept, ins:SubmissionSource ; skos:prefLabel "Manual"@en ; rdfs:label "Manual"@en ; skos:inScheme ins:SubmissionSourceScheme ; skos:topConceptOf ins:SubmissionSourceScheme . ins:SubmissionSourceScheme skos:hasTopConcept ins:SubmissionSource_Manual . ins:SubmissionSource_Portal a owl:NamedIndividual, skos:Concept, ins:SubmissionSource ; skos:prefLabel "Portal"@en ; rdfs:label "Portal"@en ; skos:inScheme ins:SubmissionSourceScheme ; skos:topConceptOf ins:SubmissionSourceScheme . ins:SubmissionSourceScheme skos:hasTopConcept ins:SubmissionSource_Portal . ins:SubmissionStatusScheme a skos:ConceptScheme ; rdfs:label "SubmissionStatus Scheme"@en ; skos:prefLabel "SubmissionStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:SubmissionStatus_Accepted a owl:NamedIndividual, skos:Concept, ins:SubmissionStatus ; skos:prefLabel "Accepted"@en ; rdfs:label "Accepted"@en ; skos:inScheme ins:SubmissionStatusScheme ; skos:topConceptOf ins:SubmissionStatusScheme . ins:SubmissionStatusScheme skos:hasTopConcept ins:SubmissionStatus_Accepted . ins:SubmissionStatus_Declined a owl:NamedIndividual, skos:Concept, ins:SubmissionStatus ; skos:prefLabel "Declined"@en ; rdfs:label "Declined"@en ; skos:inScheme ins:SubmissionStatusScheme ; skos:topConceptOf ins:SubmissionStatusScheme . ins:SubmissionStatusScheme skos:hasTopConcept ins:SubmissionStatus_Declined . ins:SubmissionStatus_Incomplete a owl:NamedIndividual, skos:Concept, ins:SubmissionStatus ; skos:prefLabel "Incomplete"@en ; rdfs:label "Incomplete"@en ; skos:inScheme ins:SubmissionStatusScheme ; skos:topConceptOf ins:SubmissionStatusScheme . ins:SubmissionStatusScheme skos:hasTopConcept ins:SubmissionStatus_Incomplete . ins:SubmissionStatus_Received a owl:NamedIndividual, skos:Concept, ins:SubmissionStatus ; skos:prefLabel "Received"@en ; rdfs:label "Received"@en ; skos:inScheme ins:SubmissionStatusScheme ; skos:topConceptOf ins:SubmissionStatusScheme . ins:SubmissionStatusScheme skos:hasTopConcept ins:SubmissionStatus_Received . ins:SubmissionStatus_UnderReview a owl:NamedIndividual, skos:Concept, ins:SubmissionStatus ; skos:prefLabel "Under Review"@en ; rdfs:label "Under Review"@en ; skos:inScheme ins:SubmissionStatusScheme ; skos:topConceptOf ins:SubmissionStatusScheme . ins:SubmissionStatusScheme skos:hasTopConcept ins:SubmissionStatus_UnderReview . ins:SubmissionStatus_Withdrawn a owl:NamedIndividual, skos:Concept, ins:SubmissionStatus ; skos:prefLabel "Withdrawn"@en ; rdfs:label "Withdrawn"@en ; skos:inScheme ins:SubmissionStatusScheme ; skos:topConceptOf ins:SubmissionStatusScheme . ins:SubmissionStatusScheme skos:hasTopConcept ins:SubmissionStatus_Withdrawn . ins:TaxIdTypeScheme a skos:ConceptScheme ; rdfs:label "TaxIdType Scheme"@en ; skos:prefLabel "TaxIdType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:TaxIdType_EIN a owl:NamedIndividual, skos:Concept, ins:TaxIdType ; skos:prefLabel "EIN"@en ; rdfs:label "EIN"@en ; skos:inScheme ins:TaxIdTypeScheme ; skos:topConceptOf ins:TaxIdTypeScheme . ins:TaxIdTypeScheme skos:hasTopConcept ins:TaxIdType_EIN . ins:TaxIdType_ITIN a owl:NamedIndividual, skos:Concept, ins:TaxIdType ; skos:prefLabel "ITIN"@en ; rdfs:label "ITIN"@en ; skos:inScheme ins:TaxIdTypeScheme ; skos:topConceptOf ins:TaxIdTypeScheme . ins:TaxIdTypeScheme skos:hasTopConcept ins:TaxIdType_ITIN . ins:TaxIdType_SSN a owl:NamedIndividual, skos:Concept, ins:TaxIdType ; skos:prefLabel "SSN"@en ; rdfs:label "SSN"@en ; skos:inScheme ins:TaxIdTypeScheme ; skos:topConceptOf ins:TaxIdTypeScheme . ins:TaxIdTypeScheme skos:hasTopConcept ins:TaxIdType_SSN . ins:TaxIdType_TIN a owl:NamedIndividual, skos:Concept, ins:TaxIdType ; skos:prefLabel "TIN"@en ; rdfs:label "TIN"@en ; skos:inScheme ins:TaxIdTypeScheme ; skos:topConceptOf ins:TaxIdTypeScheme . ins:TaxIdTypeScheme skos:hasTopConcept ins:TaxIdType_TIN . ins:TechnicalRateSystemScheme a skos:ConceptScheme ; rdfs:label "TechnicalRateSystem Scheme"@en ; skos:prefLabel "TechnicalRateSystem"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:TechnicalRateSystem_Genext a owl:NamedIndividual, skos:Concept, ins:TechnicalRateSystem ; skos:prefLabel "Genext"@en ; rdfs:label "Genext"@en ; skos:inScheme ins:TechnicalRateSystemScheme ; skos:topConceptOf ins:TechnicalRateSystemScheme . ins:TechnicalRateSystemScheme skos:hasTopConcept ins:TechnicalRateSystem_Genext . ins:TechnicalRateSystem_RatingNotRequired a owl:NamedIndividual, skos:Concept, ins:TechnicalRateSystem ; skos:prefLabel "Rating Not Required"@en ; rdfs:label "Rating Not Required"@en ; skos:inScheme ins:TechnicalRateSystemScheme ; skos:topConceptOf ins:TechnicalRateSystemScheme . ins:TechnicalRateSystemScheme skos:hasTopConcept ins:TechnicalRateSystem_RatingNotRequired . ins:TechnicalRateSystem_UWRPortal a owl:NamedIndividual, skos:Concept, ins:TechnicalRateSystem ; skos:prefLabel "UWR Portal"@en ; rdfs:label "UWR Portal"@en ; skos:inScheme ins:TechnicalRateSystemScheme ; skos:topConceptOf ins:TechnicalRateSystemScheme . ins:TechnicalRateSystemScheme skos:hasTopConcept ins:TechnicalRateSystem_UWRPortal . ins:UnderwritingMethodScheme a skos:ConceptScheme ; rdfs:label "UnderwritingMethod Scheme"@en ; skos:prefLabel "UnderwritingMethod"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ins:UnderwritingMethod_SchemeUnderwriting a owl:NamedIndividual, skos:Concept, ins:UnderwritingMethod ; skos:prefLabel "Scheme Underwriting"@en ; rdfs:label "Scheme Underwriting"@en ; skos:inScheme ins:UnderwritingMethodScheme ; skos:topConceptOf ins:UnderwritingMethodScheme . ins:UnderwritingMethodScheme skos:hasTopConcept ins:UnderwritingMethod_SchemeUnderwriting . pandc:BuildingSystemTypeScheme a skos:ConceptScheme ; rdfs:label "BuildingSystemType Scheme"@en ; skos:prefLabel "BuildingSystemType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:BuildingSystemType_ElectricalSystem a owl:NamedIndividual, skos:Concept, pandc:BuildingSystemType ; skos:prefLabel "Electrical System"@en ; rdfs:label "Electrical System"@en ; skos:inScheme pandc:BuildingSystemTypeScheme ; skos:topConceptOf pandc:BuildingSystemTypeScheme . pandc:BuildingSystemTypeScheme skos:hasTopConcept pandc:BuildingSystemType_ElectricalSystem . pandc:BuildingSystemType_HVACSystem a owl:NamedIndividual, skos:Concept, pandc:BuildingSystemType ; skos:prefLabel "HVAC System"@en ; rdfs:label "HVAC System"@en ; skos:inScheme pandc:BuildingSystemTypeScheme ; skos:topConceptOf pandc:BuildingSystemTypeScheme . pandc:BuildingSystemTypeScheme skos:hasTopConcept pandc:BuildingSystemType_HVACSystem . pandc:BuildingSystemType_PlumbingSystem a owl:NamedIndividual, skos:Concept, pandc:BuildingSystemType ; skos:prefLabel "Plumbing System"@en ; rdfs:label "Plumbing System"@en ; skos:inScheme pandc:BuildingSystemTypeScheme ; skos:topConceptOf pandc:BuildingSystemTypeScheme . pandc:BuildingSystemTypeScheme skos:hasTopConcept pandc:BuildingSystemType_PlumbingSystem . pandc:BuildingSystemType_RoofSystem a owl:NamedIndividual, skos:Concept, pandc:BuildingSystemType ; skos:prefLabel "Roof System"@en ; rdfs:label "Roof System"@en ; skos:inScheme pandc:BuildingSystemTypeScheme ; skos:topConceptOf pandc:BuildingSystemTypeScheme . pandc:BuildingSystemTypeScheme skos:hasTopConcept pandc:BuildingSystemType_RoofSystem . pandc:CausesOfLossFormScheme a skos:ConceptScheme ; rdfs:label "CausesOfLossForm Scheme"@en ; skos:prefLabel "CausesOfLossForm"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:CausesOfLossForm_BasicFormNamedPerils a owl:NamedIndividual, skos:Concept, pandc:CausesOfLossForm ; skos:prefLabel "Basic Form (Named Perils)"@en ; rdfs:label "Basic Form (Named Perils)"@en ; skos:inScheme pandc:CausesOfLossFormScheme ; skos:topConceptOf pandc:CausesOfLossFormScheme . pandc:CausesOfLossFormScheme skos:hasTopConcept pandc:CausesOfLossForm_BasicFormNamedPerils . pandc:CausesOfLossForm_BroadFormExtendedNamedPerils a owl:NamedIndividual, skos:Concept, pandc:CausesOfLossForm ; skos:prefLabel "Broad Form (Extended Named Perils)"@en ; rdfs:label "Broad Form (Extended Named Perils)"@en ; skos:inScheme pandc:CausesOfLossFormScheme ; skos:topConceptOf pandc:CausesOfLossFormScheme . pandc:CausesOfLossFormScheme skos:hasTopConcept pandc:CausesOfLossForm_BroadFormExtendedNamedPerils . pandc:CausesOfLossForm_SpecialFormOpenPerilsAllRisk a owl:NamedIndividual, skos:Concept, pandc:CausesOfLossForm ; skos:prefLabel "Special Form (Open Perils/All Risk)"@en ; rdfs:label "Special Form (Open Perils/All Risk)"@en ; skos:inScheme pandc:CausesOfLossFormScheme ; skos:topConceptOf pandc:CausesOfLossFormScheme . pandc:CausesOfLossFormScheme skos:hasTopConcept pandc:CausesOfLossForm_SpecialFormOpenPerilsAllRisk . pandc:ConstructionTypeCodeScheme a skos:ConceptScheme ; rdfs:label "ConstructionTypeCode Scheme"@en ; skos:prefLabel "ConstructionTypeCode"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ConstructionTypeCode_Airplanes a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Airplanes"@en ; rdfs:label "Airplanes"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_Airplanes . pandc:ConstructionTypeCode_AlluviumTunnels a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Alluvium Tunnels"@en ; rdfs:label "Alluvium Tunnels"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_AlluviumTunnels . pandc:ConstructionTypeCode_AutomobilesDealers a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Automobiles - Dealers"@en ; rdfs:label "Automobiles - Dealers"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_AutomobilesDealers . pandc:ConstructionTypeCode_AutomobilesPersonal a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Automobiles - Personal"@en ; rdfs:label "Automobiles - Personal"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_AutomobilesPersonal . pandc:ConstructionTypeCode_CastInPlaceReinforcedConcrete a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Cast-in-Place Reinforced Concrete"@en ; rdfs:label "Cast-in-Place Reinforced Concrete"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_CastInPlaceReinforcedConcrete . pandc:ConstructionTypeCode_ConcentricallyBracedSteelFrame a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Concentrically Braced Steel Frame"@en ; rdfs:label "Concentrically Braced Steel Frame"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_ConcentricallyBracedSteelFrame . pandc:ConstructionTypeCode_ConcreteDams a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Concrete Dams"@en ; rdfs:label "Concrete Dams"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_ConcreteDams . pandc:ConstructionTypeCode_ConventionalBridges500FtSpansWithMonolithicSpans a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Conventional Bridges (<500 ft spans) with Monolithic Spans"@en ; rdfs:label "Conventional Bridges (<500 ft spans) with Monolithic Spans"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_ConventionalBridges500FtSpansWithMonolithicSpans . pandc:ConstructionTypeCode_ConventionalBridges500FtSpansWithMultipleSimpleSpans a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Conventional Bridges (<500 ft spans) with Multiple Simple Spans"@en ; rdfs:label "Conventional Bridges (<500 ft spans) with Multiple Simple Spans"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_ConventionalBridges500FtSpansWithMultipleSimpleSpans . pandc:ConstructionTypeCode_EarthfillAndRockfillDams a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Earthfill and Rockfill Dams"@en ; rdfs:label "Earthfill and Rockfill Dams"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_EarthfillAndRockfillDams . pandc:ConstructionTypeCode_Highways a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Highways"@en ; rdfs:label "Highways"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_Highways . pandc:ConstructionTypeCode_LightMetal a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Light Metal"@en ; rdfs:label "Light Metal"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_LightMetal . pandc:ConstructionTypeCode_LightMetalFrame a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Light Metal Frame"@en ; rdfs:label "Light Metal Frame"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_LightMetalFrame . pandc:ConstructionTypeCode_LightMetalFrameWithReinforcedMasonryInfill a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Light Metal Frame with Reinforced Masonry Infill"@en ; rdfs:label "Light Metal Frame with Reinforced Masonry Infill"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_LightMetalFrameWithReinforcedMasonryInfill . pandc:ConstructionTypeCode_LightWoodFrame30More a owl:NamedIndividual, skos:Concept, pandc:ConstructionTypeCode ; skos:prefLabel "Light Wood Frame (+ 30 more)"@en ; rdfs:label "Light Wood Frame (+ 30 more)"@en ; skos:inScheme pandc:ConstructionTypeCodeScheme ; skos:topConceptOf pandc:ConstructionTypeCodeScheme . pandc:ConstructionTypeCodeScheme skos:hasTopConcept pandc:ConstructionTypeCode_LightWoodFrame30More . pandc:ConveyanceModeScheme a skos:ConceptScheme ; rdfs:label "ConveyanceMode Scheme"@en ; skos:prefLabel "ConveyanceMode"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ConveyanceMode_AirFreight a owl:NamedIndividual, skos:Concept, pandc:ConveyanceMode ; skos:prefLabel "Air Freight"@en ; rdfs:label "Air Freight"@en ; skos:inScheme pandc:ConveyanceModeScheme ; skos:topConceptOf pandc:ConveyanceModeScheme . pandc:ConveyanceModeScheme skos:hasTopConcept pandc:ConveyanceMode_AirFreight . pandc:ConveyanceMode_InlandTransit a owl:NamedIndividual, skos:Concept, pandc:ConveyanceMode ; skos:prefLabel "Inland Transit"@en ; rdfs:label "Inland Transit"@en ; skos:inScheme pandc:ConveyanceModeScheme ; skos:topConceptOf pandc:ConveyanceModeScheme . pandc:ConveyanceModeScheme skos:hasTopConcept pandc:ConveyanceMode_InlandTransit . pandc:ConveyanceMode_Multimodal a owl:NamedIndividual, skos:Concept, pandc:ConveyanceMode ; skos:prefLabel "Multimodal"@en ; rdfs:label "Multimodal"@en ; skos:inScheme pandc:ConveyanceModeScheme ; skos:topConceptOf pandc:ConveyanceModeScheme . pandc:ConveyanceModeScheme skos:hasTopConcept pandc:ConveyanceMode_Multimodal . pandc:ConveyanceMode_PostalCourier a owl:NamedIndividual, skos:Concept, pandc:ConveyanceMode ; skos:prefLabel "Postal Courier"@en ; rdfs:label "Postal Courier"@en ; skos:inScheme pandc:ConveyanceModeScheme ; skos:topConceptOf pandc:ConveyanceModeScheme . pandc:ConveyanceModeScheme skos:hasTopConcept pandc:ConveyanceMode_PostalCourier . pandc:ConveyanceMode_Rail a owl:NamedIndividual, skos:Concept, pandc:ConveyanceMode ; skos:prefLabel "Rail"@en ; rdfs:label "Rail"@en ; skos:inScheme pandc:ConveyanceModeScheme ; skos:topConceptOf pandc:ConveyanceModeScheme . pandc:ConveyanceModeScheme skos:hasTopConcept pandc:ConveyanceMode_Rail . pandc:ConveyanceMode_SeaFreight a owl:NamedIndividual, skos:Concept, pandc:ConveyanceMode ; skos:prefLabel "Sea Freight"@en ; rdfs:label "Sea Freight"@en ; skos:inScheme pandc:ConveyanceModeScheme ; skos:topConceptOf pandc:ConveyanceModeScheme . pandc:ConveyanceModeScheme skos:hasTopConcept pandc:ConveyanceMode_SeaFreight . pandc:CoverageDefinitionScheme a skos:ConceptScheme ; rdfs:label "CoverageDefinition Scheme"@en ; skos:prefLabel "CoverageDefinition"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:CoverageDefinition_BodilyInjuryCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Bodily Injury Coverage Definition"@en ; rdfs:label "Bodily Injury Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_BodilyInjuryCoverageDefinition . pandc:CoverageDefinition_BonaFideSubcontractorCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Bona Fide Subcontractor Coverage Definition"@en ; rdfs:label "Bona Fide Subcontractor Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_BonaFideSubcontractorCoverageDefinition . pandc:CoverageDefinition_CarParkLiabilityCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Car Park Liability Coverage Definition"@en ; rdfs:label "Car Park Liability Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_CarParkLiabilityCoverageDefinition . pandc:CoverageDefinition_CompensationForCourtAttendanceCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Compensation for Court Attendance Coverage Definition"@en ; rdfs:label "Compensation for Court Attendance Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_CompensationForCourtAttendanceCoverageDefinition . pandc:CoverageDefinition_CyberCoverage a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Cyber Coverage"@en ; rdfs:label "Cyber Coverage"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_CyberCoverage . pandc:CoverageDefinition_DOLiability a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "D&O Liability"@en ; rdfs:label "D&O Liability"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_DOLiability . pandc:CoverageDefinition_DishonestyFraud a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Dishonesty Fraud"@en ; rdfs:label "Dishonesty Fraud"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_DishonestyFraud . pandc:CoverageDefinition_EPLCoverage a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "EPL Coverage"@en ; rdfs:label "EPL Coverage"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_EPLCoverage . pandc:CoverageDefinition_FineArtLocationCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Fine Art Location Coverage Definition"@en ; rdfs:label "Fine Art Location Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_FineArtLocationCoverageDefinition . pandc:CoverageDefinition_FineArtTransitCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Fine Art Transit Coverage Definition"@en ; rdfs:label "Fine Art Transit Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_FineArtTransitCoverageDefinition . pandc:CoverageDefinition_FundsUnderManagementCoverage a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Funds Under Management Coverage"@en ; rdfs:label "Funds Under Management Coverage"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_FundsUnderManagementCoverage . pandc:CoverageDefinition_GLPolicyLineCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "GL Policy Line Coverage Definition"@en ; rdfs:label "GL Policy Line Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_GLPolicyLineCoverageDefinition . pandc:CoverageDefinition_MarineCargoStorageCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Marine Cargo Storage Coverage Definition"@en ; rdfs:label "Marine Cargo Storage Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_MarineCargoStorageCoverageDefinition . pandc:CoverageDefinition_MarineCargoTransitCoverageDefinition a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Marine Cargo Transit Coverage Definition"@en ; rdfs:label "Marine Cargo Transit Coverage Definition"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_MarineCargoTransitCoverageDefinition . pandc:CoverageDefinition_MarineECPIExtensionCoverageDefinition14More a owl:NamedIndividual, skos:Concept, pandc:CoverageDefinition ; skos:prefLabel "Marine ECPI Extension Coverage Definition (+ 14 more)"@en ; rdfs:label "Marine ECPI Extension Coverage Definition (+ 14 more)"@en ; skos:inScheme pandc:CoverageDefinitionScheme ; skos:topConceptOf pandc:CoverageDefinitionScheme . pandc:CoverageDefinitionScheme skos:hasTopConcept pandc:CoverageDefinition_MarineECPIExtensionCoverageDefinition14More . pandc:CoverageLayerScheme a skos:ConceptScheme ; rdfs:label "CoverageLayer Scheme"@en ; skos:prefLabel "CoverageLayer"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:CoverageLayer_ExcessLayer a owl:NamedIndividual, skos:Concept, pandc:CoverageLayer ; skos:prefLabel "Excess Layer"@en ; rdfs:label "Excess Layer"@en ; skos:inScheme pandc:CoverageLayerScheme ; skos:topConceptOf pandc:CoverageLayerScheme . pandc:CoverageLayerScheme skos:hasTopConcept pandc:CoverageLayer_ExcessLayer . pandc:CoverageLayer_PrimaryLayer a owl:NamedIndividual, skos:Concept, pandc:CoverageLayer ; skos:prefLabel "Primary Layer"@en ; rdfs:label "Primary Layer"@en ; skos:inScheme pandc:CoverageLayerScheme ; skos:topConceptOf pandc:CoverageLayerScheme . pandc:CoverageLayerScheme skos:hasTopConcept pandc:CoverageLayer_PrimaryLayer . pandc:CoverageLayer_UmbrellaLayer a owl:NamedIndividual, skos:Concept, pandc:CoverageLayer ; skos:prefLabel "Umbrella Layer"@en ; rdfs:label "Umbrella Layer"@en ; skos:inScheme pandc:CoverageLayerScheme ; skos:topConceptOf pandc:CoverageLayerScheme . pandc:CoverageLayerScheme skos:hasTopConcept pandc:CoverageLayer_UmbrellaLayer . pandc:CoverageTriggerTypeScheme a skos:ConceptScheme ; rdfs:label "CoverageTriggerType Scheme"@en ; skos:prefLabel "CoverageTriggerType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:CoverageTriggerType_ClaimsMade a owl:NamedIndividual, skos:Concept, pandc:CoverageTriggerType ; skos:prefLabel "Claims-Made"@en ; rdfs:label "Claims-Made"@en ; skos:inScheme pandc:CoverageTriggerTypeScheme ; skos:topConceptOf pandc:CoverageTriggerTypeScheme . pandc:CoverageTriggerTypeScheme skos:hasTopConcept pandc:CoverageTriggerType_ClaimsMade . pandc:CoverageTriggerType_Mixed a owl:NamedIndividual, skos:Concept, pandc:CoverageTriggerType ; skos:prefLabel "Mixed"@en ; rdfs:label "Mixed"@en ; skos:inScheme pandc:CoverageTriggerTypeScheme ; skos:topConceptOf pandc:CoverageTriggerTypeScheme . pandc:CoverageTriggerTypeScheme skos:hasTopConcept pandc:CoverageTriggerType_Mixed . pandc:CoverageTriggerType_Occurrence a owl:NamedIndividual, skos:Concept, pandc:CoverageTriggerType ; skos:prefLabel "Occurrence"@en ; rdfs:label "Occurrence"@en ; skos:inScheme pandc:CoverageTriggerTypeScheme ; skos:topConceptOf pandc:CoverageTriggerTypeScheme . pandc:CoverageTriggerTypeScheme skos:hasTopConcept pandc:CoverageTriggerType_Occurrence . pandc:DOClaimTypeScheme a skos:ConceptScheme ; rdfs:label "DOClaimType Scheme"@en ; skos:prefLabel "DOClaimType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:DOClaimType_EPLClaimType a owl:NamedIndividual, skos:Concept, pandc:DOClaimType ; skos:prefLabel "EPL Claim Type"@en ; rdfs:label "EPL Claim Type"@en ; skos:inScheme pandc:DOClaimTypeScheme ; skos:topConceptOf pandc:DOClaimTypeScheme . pandc:DOClaimTypeScheme skos:hasTopConcept pandc:DOClaimType_EPLClaimType . pandc:DOClaimType_InvestigateClaim a owl:NamedIndividual, skos:Concept, pandc:DOClaimType ; skos:prefLabel "Investigate Claim"@en ; rdfs:label "Investigate Claim"@en ; skos:inScheme pandc:DOClaimTypeScheme ; skos:topConceptOf pandc:DOClaimTypeScheme . pandc:DOClaimTypeScheme skos:hasTopConcept pandc:DOClaimType_InvestigateClaim . pandc:DOClaimType_OtherClaim a owl:NamedIndividual, skos:Concept, pandc:DOClaimType ; skos:prefLabel "Other Claim"@en ; rdfs:label "Other Claim"@en ; skos:inScheme pandc:DOClaimTypeScheme ; skos:topConceptOf pandc:DOClaimTypeScheme . pandc:DOClaimTypeScheme skos:hasTopConcept pandc:DOClaimType_OtherClaim . pandc:DOClaimType_SecuritiesClaimsType a owl:NamedIndividual, skos:Concept, pandc:DOClaimType ; skos:prefLabel "Securities Claims Type"@en ; rdfs:label "Securities Claims Type"@en ; skos:inScheme pandc:DOClaimTypeScheme ; skos:topConceptOf pandc:DOClaimTypeScheme . pandc:DOClaimTypeScheme skos:hasTopConcept pandc:DOClaimType_SecuritiesClaimsType . pandc:DOClaimType_ViolateClaim a owl:NamedIndividual, skos:Concept, pandc:DOClaimType ; skos:prefLabel "Violate Claim"@en ; rdfs:label "Violate Claim"@en ; skos:inScheme pandc:DOClaimTypeScheme ; skos:topConceptOf pandc:DOClaimTypeScheme . pandc:DOClaimTypeScheme skos:hasTopConcept pandc:DOClaimType_ViolateClaim . pandc:DOClaimType_WrongfulActClaim a owl:NamedIndividual, skos:Concept, pandc:DOClaimType ; skos:prefLabel "Wrongful Act Claim"@en ; rdfs:label "Wrongful Act Claim"@en ; skos:inScheme pandc:DOClaimTypeScheme ; skos:topConceptOf pandc:DOClaimTypeScheme . pandc:DOClaimTypeScheme skos:hasTopConcept pandc:DOClaimType_WrongfulActClaim . pandc:DateQualifierTypeScheme a skos:ConceptScheme ; rdfs:label "DateQualifierType Scheme"@en ; skos:prefLabel "DateQualifierType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:DateQualifierType_InceptionDateQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "Inception Date Qualifier"@en ; rdfs:label "Inception Date Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_InceptionDateQualifier . pandc:DateQualifierType_NotApplicableQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "Not Applicable Qualifier"@en ; rdfs:label "Not Applicable Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_NotApplicableQualifier . pandc:DateQualifierType_NotCoveredQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "Not Covered Qualifier"@en ; rdfs:label "Not Covered Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_NotCoveredQualifier . pandc:DateQualifierType_PriorExpiryQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "Prior Expiry Qualifier"@en ; rdfs:label "Prior Expiry Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_PriorExpiryQualifier . pandc:DateQualifierType_SpecifiedDateQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "Specified Date Qualifier"@en ; rdfs:label "Specified Date Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_SpecifiedDateQualifier . pandc:DateQualifierType_ToBeAgreedQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "To Be Agreed Qualifier"@en ; rdfs:label "To Be Agreed Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_ToBeAgreedQualifier . pandc:DateQualifierType_UnlimitedQualifier a owl:NamedIndividual, skos:Concept, pandc:DateQualifierType ; skos:prefLabel "Unlimited Qualifier"@en ; rdfs:label "Unlimited Qualifier"@en ; skos:inScheme pandc:DateQualifierTypeScheme ; skos:topConceptOf pandc:DateQualifierTypeScheme . pandc:DateQualifierTypeScheme skos:hasTopConcept pandc:DateQualifierType_UnlimitedQualifier . pandc:ExposureBasisTypeScheme a skos:ConceptScheme ; rdfs:label "ExposureBasisType Scheme"@en ; skos:prefLabel "ExposureBasisType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ExposureBasisType_AreaExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Area Exposure Basis"@en ; rdfs:label "Area Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_AreaExposureBasis . pandc:ExposureBasisType_BPPValueExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "BPP Value Exposure Basis"@en ; rdfs:label "BPP Value Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_BPPValueExposureBasis . pandc:ExposureBasisType_BuildingValueExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Building Value Exposure Basis"@en ; rdfs:label "Building Value Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_BuildingValueExposureBasis . pandc:ExposureBasisType_BusinessIncomeExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Business Income Exposure Basis"@en ; rdfs:label "Business Income Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_BusinessIncomeExposureBasis . pandc:ExposureBasisType_CostsExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Costs Exposure Basis"@en ; rdfs:label "Costs Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_CostsExposureBasis . pandc:ExposureBasisType_FundsUnderManagementExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Funds Under Management Exposure Basis"@en ; rdfs:label "Funds Under Management Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_FundsUnderManagementExposureBasis . pandc:ExposureBasisType_HourlyBICostBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Hourly BI Cost Basis"@en ; rdfs:label "Hourly BI Cost Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_HourlyBICostBasis . pandc:ExposureBasisType_HourlyBICostCloudProviderBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Hourly BI Cost Cloud Provider Basis"@en ; rdfs:label "Hourly BI Cost Cloud Provider Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_HourlyBICostCloudProviderBasis . pandc:ExposureBasisType_MarketCapitalisationExposureBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Market Capitalisation Exposure Basis"@en ; rdfs:label "Market Capitalisation Exposure Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_MarketCapitalisationExposureBasis . pandc:ExposureBasisType_MedicalRecordsBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Medical Records Basis"@en ; rdfs:label "Medical Records Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_MedicalRecordsBasis . pandc:ExposureBasisType_MonthlyWebVisitorsBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Monthly Web Visitors Basis"@en ; rdfs:label "Monthly Web Visitors Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_MonthlyWebVisitorsBasis . pandc:ExposureBasisType_OutsourcingCompaniesBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Outsourcing Companies Basis"@en ; rdfs:label "Outsourcing Companies Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_OutsourcingCompaniesBasis . pandc:ExposureBasisType_PIIRecordsBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "PII Records Basis"@en ; rdfs:label "PII Records Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_PIIRecordsBasis . pandc:ExposureBasisType_PaymentCardRecordsBasis a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Payment Card Records Basis"@en ; rdfs:label "Payment Card Records Basis"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_PaymentCardRecordsBasis . pandc:ExposureBasisType_PayrollExposureBasis4More a owl:NamedIndividual, skos:Concept, pandc:ExposureBasisType ; skos:prefLabel "Payroll Exposure Basis (+ 4 more)"@en ; rdfs:label "Payroll Exposure Basis (+ 4 more)"@en ; skos:inScheme pandc:ExposureBasisTypeScheme ; skos:topConceptOf pandc:ExposureBasisTypeScheme . pandc:ExposureBasisTypeScheme skos:hasTopConcept pandc:ExposureBasisType_PayrollExposureBasis4More . pandc:FEMAFloodZoneScheme a skos:ConceptScheme ; rdfs:label "FEMAFloodZone Scheme"@en ; skos:prefLabel "FEMAFloodZone"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:FEMAFloodZone_ZoneA a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone A"@en ; rdfs:label "Zone A"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneA . pandc:FEMAFloodZone_ZoneA99 a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone A99"@en ; rdfs:label "Zone A99"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneA99 . pandc:FEMAFloodZone_ZoneAE a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone AE"@en ; rdfs:label "Zone AE"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneAE . pandc:FEMAFloodZone_ZoneAH a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone AH"@en ; rdfs:label "Zone AH"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneAH . pandc:FEMAFloodZone_ZoneAO a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone AO"@en ; rdfs:label "Zone AO"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneAO . pandc:FEMAFloodZone_ZoneAR a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone AR"@en ; rdfs:label "Zone AR"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneAR . pandc:FEMAFloodZone_ZoneB a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone B"@en ; rdfs:label "Zone B"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneB . pandc:FEMAFloodZone_ZoneC a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone C"@en ; rdfs:label "Zone C"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneC . pandc:FEMAFloodZone_ZoneD a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone D"@en ; rdfs:label "Zone D"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneD . pandc:FEMAFloodZone_ZoneV a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone V"@en ; rdfs:label "Zone V"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneV . pandc:FEMAFloodZone_ZoneVE a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone VE"@en ; rdfs:label "Zone VE"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneVE . pandc:FEMAFloodZone_ZoneX a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone X"@en ; rdfs:label "Zone X"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneX . pandc:FEMAFloodZone_ZoneX500 a owl:NamedIndividual, skos:Concept, pandc:FEMAFloodZone ; skos:prefLabel "Zone X500"@en ; rdfs:label "Zone X500"@en ; skos:inScheme pandc:FEMAFloodZoneScheme ; skos:topConceptOf pandc:FEMAFloodZoneScheme . pandc:FEMAFloodZoneScheme skos:hasTopConcept pandc:FEMAFloodZone_ZoneX500 . pandc:FireAlarmSystemTypeScheme a skos:ConceptScheme ; rdfs:label "FireAlarmSystemType Scheme"@en ; skos:prefLabel "FireAlarmSystemType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:FireAlarmSystemType_AuxiliaryFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "Auxiliary Fire Alarm System"@en ; rdfs:label "Auxiliary Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_AuxiliaryFireAlarmSystem . pandc:FireAlarmSystemType_CentralStationFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "Central Station Fire Alarm System"@en ; rdfs:label "Central Station Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_CentralStationFireAlarmSystem . pandc:FireAlarmSystemType_LocalAlarmFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "Local Alarm Fire Alarm System"@en ; rdfs:label "Local Alarm Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_LocalAlarmFireAlarmSystem . pandc:FireAlarmSystemType_ManualFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "Manual Fire Alarm System"@en ; rdfs:label "Manual Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_ManualFireAlarmSystem . pandc:FireAlarmSystemType_NoFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "No Fire Alarm System"@en ; rdfs:label "No Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_NoFireAlarmSystem . pandc:FireAlarmSystemType_ProprietarySupervisingStationFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "Proprietary Supervising Station Fire Alarm System"@en ; rdfs:label "Proprietary Supervising Station Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_ProprietarySupervisingStationFireAlarmSystem . pandc:FireAlarmSystemType_RemoteSupervisingStationFireAlarmSystem a owl:NamedIndividual, skos:Concept, pandc:FireAlarmSystemType ; skos:prefLabel "Remote Supervising Station Fire Alarm System"@en ; rdfs:label "Remote Supervising Station Fire Alarm System"@en ; skos:inScheme pandc:FireAlarmSystemTypeScheme ; skos:topConceptOf pandc:FireAlarmSystemTypeScheme . pandc:FireAlarmSystemTypeScheme skos:hasTopConcept pandc:FireAlarmSystemType_RemoteSupervisingStationFireAlarmSystem . pandc:GeographicRegionScheme a skos:ConceptScheme ; rdfs:label "GeographicRegion Scheme"@en ; skos:prefLabel "GeographicRegion"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:GeographicRegion_RestOfWorld a owl:NamedIndividual, skos:Concept, pandc:GeographicRegion ; skos:prefLabel "Rest of World"@en ; rdfs:label "Rest of World"@en ; skos:inScheme pandc:GeographicRegionScheme ; skos:topConceptOf pandc:GeographicRegionScheme . pandc:GeographicRegionScheme skos:hasTopConcept pandc:GeographicRegion_RestOfWorld . pandc:GeographicRegion_USCanada a owl:NamedIndividual, skos:Concept, pandc:GeographicRegion ; skos:prefLabel "US / Canada"@en ; rdfs:label "US / Canada"@en ; skos:inScheme pandc:GeographicRegionScheme ; skos:topConceptOf pandc:GeographicRegionScheme . pandc:GeographicRegionScheme skos:hasTopConcept pandc:GeographicRegion_USCanada . pandc:ISOConstructionClassScheme a skos:ConceptScheme ; rdfs:label "ISOConstructionClass Scheme"@en ; skos:prefLabel "ISOConstructionClass"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ISOConstructionClass_FireResistiveISOClass6 a owl:NamedIndividual, skos:Concept, pandc:ISOConstructionClass ; skos:prefLabel "Fire Resistive (ISO Class 6)"@en ; rdfs:label "Fire Resistive (ISO Class 6)"@en ; skos:inScheme pandc:ISOConstructionClassScheme ; skos:topConceptOf pandc:ISOConstructionClassScheme . pandc:ISOConstructionClassScheme skos:hasTopConcept pandc:ISOConstructionClass_FireResistiveISOClass6 . pandc:ISOConstructionClass_FrameConstructionISOClass1 a owl:NamedIndividual, skos:Concept, pandc:ISOConstructionClass ; skos:prefLabel "Frame Construction (ISO Class 1)"@en ; rdfs:label "Frame Construction (ISO Class 1)"@en ; skos:inScheme pandc:ISOConstructionClassScheme ; skos:topConceptOf pandc:ISOConstructionClassScheme . pandc:ISOConstructionClassScheme skos:hasTopConcept pandc:ISOConstructionClass_FrameConstructionISOClass1 . pandc:ISOConstructionClass_JoistedMasonryISOClass2 a owl:NamedIndividual, skos:Concept, pandc:ISOConstructionClass ; skos:prefLabel "Joisted Masonry (ISO Class 2)"@en ; rdfs:label "Joisted Masonry (ISO Class 2)"@en ; skos:inScheme pandc:ISOConstructionClassScheme ; skos:topConceptOf pandc:ISOConstructionClassScheme . pandc:ISOConstructionClassScheme skos:hasTopConcept pandc:ISOConstructionClass_JoistedMasonryISOClass2 . pandc:ISOConstructionClass_MasonryNoncombustibleISOClass4 a owl:NamedIndividual, skos:Concept, pandc:ISOConstructionClass ; skos:prefLabel "Masonry Noncombustible (ISO Class 4)"@en ; rdfs:label "Masonry Noncombustible (ISO Class 4)"@en ; skos:inScheme pandc:ISOConstructionClassScheme ; skos:topConceptOf pandc:ISOConstructionClassScheme . pandc:ISOConstructionClassScheme skos:hasTopConcept pandc:ISOConstructionClass_MasonryNoncombustibleISOClass4 . pandc:ISOConstructionClass_ModifiedFireResistiveISOClass5 a owl:NamedIndividual, skos:Concept, pandc:ISOConstructionClass ; skos:prefLabel "Modified Fire Resistive (ISO Class 5)"@en ; rdfs:label "Modified Fire Resistive (ISO Class 5)"@en ; skos:inScheme pandc:ISOConstructionClassScheme ; skos:topConceptOf pandc:ISOConstructionClassScheme . pandc:ISOConstructionClassScheme skos:hasTopConcept pandc:ISOConstructionClass_ModifiedFireResistiveISOClass5 . pandc:ISOConstructionClass_NoncombustibleISOClass3 a owl:NamedIndividual, skos:Concept, pandc:ISOConstructionClass ; skos:prefLabel "Noncombustible (ISO Class 3)"@en ; rdfs:label "Noncombustible (ISO Class 3)"@en ; skos:inScheme pandc:ISOConstructionClassScheme ; skos:topConceptOf pandc:ISOConstructionClassScheme . pandc:ISOConstructionClassScheme skos:hasTopConcept pandc:ISOConstructionClass_NoncombustibleISOClass3 . pandc:InlandTruckStatusScheme a skos:ConceptScheme ; rdfs:label "InlandTruckStatus Scheme"@en ; skos:prefLabel "InlandTruckStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:InlandTruckStatus_InlandTruckNA a owl:NamedIndividual, skos:Concept, pandc:InlandTruckStatus ; skos:prefLabel "Inland Truck NA"@en ; rdfs:label "Inland Truck NA"@en ; skos:inScheme pandc:InlandTruckStatusScheme ; skos:topConceptOf pandc:InlandTruckStatusScheme . pandc:InlandTruckStatusScheme skos:hasTopConcept pandc:InlandTruckStatus_InlandTruckNA . pandc:InlandTruckStatus_InlandTruckNo a owl:NamedIndividual, skos:Concept, pandc:InlandTruckStatus ; skos:prefLabel "Inland Truck No"@en ; rdfs:label "Inland Truck No"@en ; skos:inScheme pandc:InlandTruckStatusScheme ; skos:topConceptOf pandc:InlandTruckStatusScheme . pandc:InlandTruckStatusScheme skos:hasTopConcept pandc:InlandTruckStatus_InlandTruckNo . pandc:InlandTruckStatus_InlandTruckYes a owl:NamedIndividual, skos:Concept, pandc:InlandTruckStatus ; skos:prefLabel "Inland Truck Yes"@en ; rdfs:label "Inland Truck Yes"@en ; skos:inScheme pandc:InlandTruckStatusScheme ; skos:topConceptOf pandc:InlandTruckStatusScheme . pandc:InlandTruckStatusScheme skos:hasTopConcept pandc:InlandTruckStatus_InlandTruckYes . pandc:InstituteClauseScheme a skos:ConceptScheme ; rdfs:label "InstituteClause Scheme"@en ; skos:prefLabel "InstituteClause"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:InstituteClause_ILUFreightCoverAF a owl:NamedIndividual, skos:Concept, pandc:InstituteClause ; skos:prefLabel "ILU Freight Cover A-F"@en ; rdfs:label "ILU Freight Cover A-F"@en ; skos:inScheme pandc:InstituteClauseScheme ; skos:topConceptOf pandc:InstituteClauseScheme . pandc:InstituteClauseScheme skos:hasTopConcept pandc:InstituteClause_ILUFreightCoverAF . pandc:InstituteClause_ILUFreightCoverG a owl:NamedIndividual, skos:Concept, pandc:InstituteClause ; skos:prefLabel "ILU Freight Cover G"@en ; rdfs:label "ILU Freight Cover G"@en ; skos:inScheme pandc:InstituteClauseScheme ; skos:topConceptOf pandc:InstituteClauseScheme . pandc:InstituteClauseScheme skos:hasTopConcept pandc:InstituteClause_ILUFreightCoverG . pandc:InstituteClause_ILUFreightCoverH a owl:NamedIndividual, skos:Concept, pandc:InstituteClause ; skos:prefLabel "ILU Freight Cover H"@en ; rdfs:label "ILU Freight Cover H"@en ; skos:inScheme pandc:InstituteClauseScheme ; skos:topConceptOf pandc:InstituteClauseScheme . pandc:InstituteClauseScheme skos:hasTopConcept pandc:InstituteClause_ILUFreightCoverH . pandc:InstituteClause_ILUFreightCoverI a owl:NamedIndividual, skos:Concept, pandc:InstituteClause ; skos:prefLabel "ILU Freight Cover I"@en ; rdfs:label "ILU Freight Cover I"@en ; skos:inScheme pandc:InstituteClauseScheme ; skos:topConceptOf pandc:InstituteClauseScheme . pandc:InstituteClauseScheme skos:hasTopConcept pandc:InstituteClause_ILUFreightCoverI . pandc:InsurableInterestTypeScheme a skos:ConceptScheme ; rdfs:label "InsurableInterestType Scheme"@en ; skos:prefLabel "InsurableInterestType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:InsurableInterestType_AdditionalInsured a owl:NamedIndividual, skos:Concept, pandc:InsurableInterestType ; skos:prefLabel "Additional Insured"@en ; rdfs:label "Additional Insured"@en ; skos:inScheme pandc:InsurableInterestTypeScheme ; skos:topConceptOf pandc:InsurableInterestTypeScheme . pandc:InsurableInterestTypeScheme skos:hasTopConcept pandc:InsurableInterestType_AdditionalInsured . pandc:InsurableInterestType_FirstMortgagee a owl:NamedIndividual, skos:Concept, pandc:InsurableInterestType ; skos:prefLabel "First Mortgagee"@en ; rdfs:label "First Mortgagee"@en ; skos:inScheme pandc:InsurableInterestTypeScheme ; skos:topConceptOf pandc:InsurableInterestTypeScheme . pandc:InsurableInterestTypeScheme skos:hasTopConcept pandc:InsurableInterestType_FirstMortgagee . pandc:InsurableInterestType_Lienholder a owl:NamedIndividual, skos:Concept, pandc:InsurableInterestType ; skos:prefLabel "Lienholder"@en ; rdfs:label "Lienholder"@en ; skos:inScheme pandc:InsurableInterestTypeScheme ; skos:topConceptOf pandc:InsurableInterestTypeScheme . pandc:InsurableInterestTypeScheme skos:hasTopConcept pandc:InsurableInterestType_Lienholder . pandc:InsurableInterestType_LossPayee a owl:NamedIndividual, skos:Concept, pandc:InsurableInterestType ; skos:prefLabel "Loss Payee"@en ; rdfs:label "Loss Payee"@en ; skos:inScheme pandc:InsurableInterestTypeScheme ; skos:topConceptOf pandc:InsurableInterestTypeScheme . pandc:InsurableInterestTypeScheme skos:hasTopConcept pandc:InsurableInterestType_LossPayee . pandc:InsurableInterestType_Mortgagee a owl:NamedIndividual, skos:Concept, pandc:InsurableInterestType ; skos:prefLabel "Mortgagee"@en ; rdfs:label "Mortgagee"@en ; skos:inScheme pandc:InsurableInterestTypeScheme ; skos:topConceptOf pandc:InsurableInterestTypeScheme . pandc:InsurableInterestTypeScheme skos:hasTopConcept pandc:InsurableInterestType_Mortgagee . pandc:JurisdictionScheme a skos:ConceptScheme ; rdfs:label "Jurisdiction Scheme"@en ; skos:prefLabel "Jurisdiction"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:Jurisdiction_Alabama a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Alabama"@en ; rdfs:label "Alabama"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Alabama . pandc:Jurisdiction_Alaska a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Alaska"@en ; rdfs:label "Alaska"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Alaska . pandc:Jurisdiction_AmericanSamoa a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "American Samoa"@en ; rdfs:label "American Samoa"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_AmericanSamoa . pandc:Jurisdiction_Arizona a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Arizona"@en ; rdfs:label "Arizona"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Arizona . pandc:Jurisdiction_Arkansas a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Arkansas"@en ; rdfs:label "Arkansas"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Arkansas . pandc:Jurisdiction_California a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "California"@en ; rdfs:label "California"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_California . pandc:Jurisdiction_Colorado a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Colorado"@en ; rdfs:label "Colorado"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Colorado . pandc:Jurisdiction_Connecticut a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Connecticut"@en ; rdfs:label "Connecticut"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Connecticut . pandc:Jurisdiction_Delaware a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Delaware"@en ; rdfs:label "Delaware"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Delaware . pandc:Jurisdiction_DistrictOfColumbia a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "District of Columbia"@en ; rdfs:label "District of Columbia"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_DistrictOfColumbia . pandc:Jurisdiction_Florida a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Florida"@en ; rdfs:label "Florida"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Florida . pandc:Jurisdiction_Georgia a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Georgia"@en ; rdfs:label "Georgia"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Georgia . pandc:Jurisdiction_Guam a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Guam"@en ; rdfs:label "Guam"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Guam . pandc:Jurisdiction_Hawaii a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Hawaii"@en ; rdfs:label "Hawaii"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Hawaii . pandc:Jurisdiction_Idaho41More a owl:NamedIndividual, skos:Concept, pandc:Jurisdiction ; skos:prefLabel "Idaho (+ 41 more)"@en ; rdfs:label "Idaho (+ 41 more)"@en ; skos:inScheme pandc:JurisdictionScheme ; skos:topConceptOf pandc:JurisdictionScheme . pandc:JurisdictionScheme skos:hasTopConcept pandc:Jurisdiction_Idaho41More . pandc:JurisdictionalScopeScheme a skos:ConceptScheme ; rdfs:label "JurisdictionalScope Scheme"@en ; skos:prefLabel "JurisdictionalScope"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:JurisdictionalScope_InAsiaScope a owl:NamedIndividual, skos:Concept, pandc:JurisdictionalScope ; skos:prefLabel "In Asia Scope"@en ; rdfs:label "In Asia Scope"@en ; skos:inScheme pandc:JurisdictionalScopeScheme ; skos:topConceptOf pandc:JurisdictionalScopeScheme . pandc:JurisdictionalScopeScheme skos:hasTopConcept pandc:JurisdictionalScope_InAsiaScope . pandc:JurisdictionalScope_NonUnitedStatesScope a owl:NamedIndividual, skos:Concept, pandc:JurisdictionalScope ; skos:prefLabel "Non United States Scope"@en ; rdfs:label "Non United States Scope"@en ; skos:inScheme pandc:JurisdictionalScopeScheme ; skos:topConceptOf pandc:JurisdictionalScopeScheme . pandc:JurisdictionalScopeScheme skos:hasTopConcept pandc:JurisdictionalScope_NonUnitedStatesScope . pandc:JurisdictionalScope_OutOfAsiaScope a owl:NamedIndividual, skos:Concept, pandc:JurisdictionalScope ; skos:prefLabel "Out Of Asia Scope"@en ; rdfs:label "Out Of Asia Scope"@en ; skos:inScheme pandc:JurisdictionalScopeScheme ; skos:topConceptOf pandc:JurisdictionalScopeScheme . pandc:JurisdictionalScopeScheme skos:hasTopConcept pandc:JurisdictionalScope_OutOfAsiaScope . pandc:JurisdictionalScope_UnitedStatesScope a owl:NamedIndividual, skos:Concept, pandc:JurisdictionalScope ; skos:prefLabel "United States Scope"@en ; rdfs:label "United States Scope"@en ; skos:inScheme pandc:JurisdictionalScopeScheme ; skos:topConceptOf pandc:JurisdictionalScopeScheme . pandc:JurisdictionalScopeScheme skos:hasTopConcept pandc:JurisdictionalScope_UnitedStatesScope . pandc:MarketSegmentScheme a skos:ConceptScheme ; rdfs:label "MarketSegment Scheme"@en ; skos:prefLabel "MarketSegment"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:MarketSegment_Personal a owl:NamedIndividual, skos:Concept, pandc:MarketSegment ; skos:prefLabel "Personal"@en ; rdfs:label "Personal"@en ; skos:inScheme pandc:MarketSegmentScheme ; skos:topConceptOf pandc:MarketSegmentScheme . pandc:MarketSegmentScheme skos:hasTopConcept pandc:MarketSegment_Personal . pandc:OccupancyClassScheme a skos:ConceptScheme ; rdfs:label "OccupancyClass Scheme"@en ; skos:prefLabel "OccupancyClass"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:OccupancyClass_Education a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Education"@en ; rdfs:label "Education"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Education . pandc:OccupancyClass_Healthcare a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Healthcare"@en ; rdfs:label "Healthcare"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Healthcare . pandc:OccupancyClass_HotelMotel a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Hotel/Motel"@en ; rdfs:label "Hotel/Motel"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_HotelMotel . pandc:OccupancyClass_Manufacturing a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Manufacturing"@en ; rdfs:label "Manufacturing"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Manufacturing . pandc:OccupancyClass_MixedUse a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Mixed Use"@en ; rdfs:label "Mixed Use"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_MixedUse . pandc:OccupancyClass_Office a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Office"@en ; rdfs:label "Office"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Office . pandc:OccupancyClass_Restaurant a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Restaurant"@en ; rdfs:label "Restaurant"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Restaurant . pandc:OccupancyClass_Retail a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Retail"@en ; rdfs:label "Retail"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Retail . pandc:OccupancyClass_Warehouse a owl:NamedIndividual, skos:Concept, pandc:OccupancyClass ; skos:prefLabel "Warehouse"@en ; rdfs:label "Warehouse"@en ; skos:inScheme pandc:OccupancyClassScheme ; skos:topConceptOf pandc:OccupancyClassScheme . pandc:OccupancyClassScheme skos:hasTopConcept pandc:OccupancyClass_Warehouse . pandc:PerilScheme a skos:ConceptScheme ; rdfs:label "Peril Scheme"@en ; skos:prefLabel "Peril"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:Peril_AccidentalBreakage a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Accidental Breakage"@en ; rdfs:label "Accidental Breakage"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_AccidentalBreakage . pandc:Peril_CatastrophicGroundCollapse a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Catastrophic Ground Collapse"@en ; rdfs:label "Catastrophic Ground Collapse"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_CatastrophicGroundCollapse . pandc:Peril_Drought a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Drought"@en ; rdfs:label "Drought"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Drought . pandc:Peril_Earthquake a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Earthquake"@en ; rdfs:label "Earthquake"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Earthquake . pandc:Peril_EarthquakeSprinklerLeakage a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Earthquake Sprinkler Leakage"@en ; rdfs:label "Earthquake Sprinkler Leakage"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_EarthquakeSprinklerLeakage . pandc:Peril_Fire a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Fire"@en ; rdfs:label "Fire"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Fire . pandc:Peril_FlavorChange a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Flavor Change"@en ; rdfs:label "Flavor Change"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_FlavorChange . pandc:Peril_Flood a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Flood"@en ; rdfs:label "Flood"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Flood . pandc:Peril_Hail a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Hail"@en ; rdfs:label "Hail"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Hail . pandc:Peril_Hurricane a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Hurricane"@en ; rdfs:label "Hurricane"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Hurricane . pandc:Peril_IngressBuildingMovement a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Ingress Building Movement"@en ; rdfs:label "Ingress Building Movement"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_IngressBuildingMovement . pandc:Peril_InherentVice a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Inherent Vice"@en ; rdfs:label "Inherent Vice"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_InherentVice . pandc:Peril_Liability a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Liability"@en ; rdfs:label "Liability"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_Liability . pandc:Peril_MineSubsidence a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Mine Subsidence"@en ; rdfs:label "Mine Subsidence"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_MineSubsidence . pandc:Peril_RiotAndCivilCommotion15More a owl:NamedIndividual, skos:Concept, pandc:Peril ; skos:prefLabel "Riot and Civil Commotion (+ 15 more)"@en ; rdfs:label "Riot and Civil Commotion (+ 15 more)"@en ; skos:inScheme pandc:PerilScheme ; skos:topConceptOf pandc:PerilScheme . pandc:PerilScheme skos:hasTopConcept pandc:Peril_RiotAndCivilCommotion15More . pandc:PlacementTypeScheme a skos:ConceptScheme ; rdfs:label "PlacementType Scheme"@en ; skos:prefLabel "PlacementType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:PlacementType_ControlledMasterProgramme a owl:NamedIndividual, skos:Concept, pandc:PlacementType ; skos:prefLabel "Controlled Master Programme"@en ; rdfs:label "Controlled Master Programme"@en ; skos:inScheme pandc:PlacementTypeScheme ; skos:topConceptOf pandc:PlacementTypeScheme . pandc:PlacementTypeScheme skos:hasTopConcept pandc:PlacementType_ControlledMasterProgramme . pandc:PlacementType_FreedomOfServices a owl:NamedIndividual, skos:Concept, pandc:PlacementType ; skos:prefLabel "Freedom of Services"@en ; rdfs:label "Freedom of Services"@en ; skos:inScheme pandc:PlacementTypeScheme ; skos:topConceptOf pandc:PlacementTypeScheme . pandc:PlacementTypeScheme skos:hasTopConcept pandc:PlacementType_FreedomOfServices . pandc:PlacementType_Multinational a owl:NamedIndividual, skos:Concept, pandc:PlacementType ; skos:prefLabel "Multinational"@en ; rdfs:label "Multinational"@en ; skos:inScheme pandc:PlacementTypeScheme ; skos:topConceptOf pandc:PlacementTypeScheme . pandc:PlacementTypeScheme skos:hasTopConcept pandc:PlacementType_Multinational . pandc:PlacementType_NonAdmitted a owl:NamedIndividual, skos:Concept, pandc:PlacementType ; skos:prefLabel "Non-Admitted"@en ; rdfs:label "Non-Admitted"@en ; skos:inScheme pandc:PlacementTypeScheme ; skos:topConceptOf pandc:PlacementTypeScheme . pandc:PlacementTypeScheme skos:hasTopConcept pandc:PlacementType_NonAdmitted . pandc:PlacementType_SingleCountry a owl:NamedIndividual, skos:Concept, pandc:PlacementType ; skos:prefLabel "Single Country"@en ; rdfs:label "Single Country"@en ; skos:inScheme pandc:PlacementTypeScheme ; skos:topConceptOf pandc:PlacementTypeScheme . pandc:PlacementTypeScheme skos:hasTopConcept pandc:PlacementType_SingleCountry . pandc:PolicyClauseScheme a skos:ConceptScheme ; rdfs:label "PolicyClause Scheme"@en ; skos:prefLabel "PolicyClause"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:PolicyClause_DOCompanyReimbursementSideB a owl:NamedIndividual, skos:Concept, pandc:PolicyClause ; skos:prefLabel "D&O Company Reimbursement (Side B)"@en ; rdfs:label "D&O Company Reimbursement (Side B)"@en ; skos:inScheme pandc:PolicyClauseScheme ; skos:topConceptOf pandc:PolicyClauseScheme . pandc:PolicyClauseScheme skos:hasTopConcept pandc:PolicyClause_DOCompanyReimbursementSideB . pandc:PolicyClause_DOEntitySecuritiesSideC a owl:NamedIndividual, skos:Concept, pandc:PolicyClause ; skos:prefLabel "D&O Entity Securities (Side C)"@en ; rdfs:label "D&O Entity Securities (Side C)"@en ; skos:inScheme pandc:PolicyClauseScheme ; skos:topConceptOf pandc:PolicyClauseScheme . pandc:PolicyClauseScheme skos:hasTopConcept pandc:PolicyClause_DOEntitySecuritiesSideC . pandc:PolicyClause_DOInvestigationResponseSideD a owl:NamedIndividual, skos:Concept, pandc:PolicyClause ; skos:prefLabel "D&O Investigation Response (Side D)"@en ; rdfs:label "D&O Investigation Response (Side D)"@en ; skos:inScheme pandc:PolicyClauseScheme ; skos:topConceptOf pandc:PolicyClauseScheme . pandc:PolicyClauseScheme skos:hasTopConcept pandc:PolicyClause_DOInvestigationResponseSideD . pandc:PolicyClause_DONonIndemnifiableLossSideA a owl:NamedIndividual, skos:Concept, pandc:PolicyClause ; skos:prefLabel "D&O Non-Indemnifiable Loss (Side A)"@en ; rdfs:label "D&O Non-Indemnifiable Loss (Side A)"@en ; skos:inScheme pandc:PolicyClauseScheme ; skos:topConceptOf pandc:PolicyClauseScheme . pandc:PolicyClauseScheme skos:hasTopConcept pandc:PolicyClause_DONonIndemnifiableLossSideA . pandc:PolicyClause_DOSubpoenaCostsSideE a owl:NamedIndividual, skos:Concept, pandc:PolicyClause ; skos:prefLabel "D&O Subpoena Costs (Side E)"@en ; rdfs:label "D&O Subpoena Costs (Side E)"@en ; skos:inScheme pandc:PolicyClauseScheme ; skos:topConceptOf pandc:PolicyClauseScheme . pandc:PolicyClauseScheme skos:hasTopConcept pandc:PolicyClause_DOSubpoenaCostsSideE . pandc:PremiumComponentTypeScheme a skos:ConceptScheme ; rdfs:label "PremiumComponentType Scheme"@en ; skos:prefLabel "PremiumComponentType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:PremiumComponentType_AllocatedPremiumComponent a owl:NamedIndividual, skos:Concept, pandc:PremiumComponentType ; skos:prefLabel "Allocated Premium Component"@en ; rdfs:label "Allocated Premium Component"@en ; skos:inScheme pandc:PremiumComponentTypeScheme ; skos:topConceptOf pandc:PremiumComponentTypeScheme . pandc:PremiumComponentTypeScheme skos:hasTopConcept pandc:PremiumComponentType_AllocatedPremiumComponent . pandc:PremiumComponentType_BrokerageComponent a owl:NamedIndividual, skos:Concept, pandc:PremiumComponentType ; skos:prefLabel "Brokerage Component"@en ; rdfs:label "Brokerage Component"@en ; skos:inScheme pandc:PremiumComponentTypeScheme ; skos:topConceptOf pandc:PremiumComponentTypeScheme . pandc:PremiumComponentTypeScheme skos:hasTopConcept pandc:PremiumComponentType_BrokerageComponent . pandc:PremiumComponentType_IndicatedAmount a owl:NamedIndividual, skos:Concept, pandc:PremiumComponentType ; skos:prefLabel "Indicated Amount"@en ; rdfs:label "Indicated Amount"@en ; skos:inScheme pandc:PremiumComponentTypeScheme ; skos:topConceptOf pandc:PremiumComponentTypeScheme . pandc:PremiumComponentTypeScheme skos:hasTopConcept pandc:PremiumComponentType_IndicatedAmount . pandc:PremiumComponentType_MechanicalPremiumComponent a owl:NamedIndividual, skos:Concept, pandc:PremiumComponentType ; skos:prefLabel "Mechanical Premium Component"@en ; rdfs:label "Mechanical Premium Component"@en ; skos:inScheme pandc:PremiumComponentTypeScheme ; skos:topConceptOf pandc:PremiumComponentTypeScheme . pandc:PremiumComponentTypeScheme skos:hasTopConcept pandc:PremiumComponentType_MechanicalPremiumComponent . pandc:PremiumDependencyTypeScheme a skos:ConceptScheme ; rdfs:label "PremiumDependencyType Scheme"@en ; skos:prefLabel "PremiumDependencyType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:PremiumDependencyType_FlatFeePer a owl:NamedIndividual, skos:Concept, pandc:PremiumDependencyType ; skos:prefLabel "Flat Fee Per"@en ; rdfs:label "Flat Fee Per"@en ; skos:inScheme pandc:PremiumDependencyTypeScheme ; skos:topConceptOf pandc:PremiumDependencyTypeScheme . pandc:PremiumDependencyTypeScheme skos:hasTopConcept pandc:PremiumDependencyType_FlatFeePer . pandc:PremiumDependencyType_PercentageOf a owl:NamedIndividual, skos:Concept, pandc:PremiumDependencyType ; skos:prefLabel "Percentage Of"@en ; rdfs:label "Percentage Of"@en ; skos:inScheme pandc:PremiumDependencyTypeScheme ; skos:topConceptOf pandc:PremiumDependencyTypeScheme . pandc:PremiumDependencyTypeScheme skos:hasTopConcept pandc:PremiumDependencyType_PercentageOf . pandc:PremiumDependencyType_TieredBasedOn a owl:NamedIndividual, skos:Concept, pandc:PremiumDependencyType ; skos:prefLabel "Tiered Based On"@en ; rdfs:label "Tiered Based On"@en ; skos:inScheme pandc:PremiumDependencyTypeScheme ; skos:topConceptOf pandc:PremiumDependencyTypeScheme . pandc:PremiumDependencyTypeScheme skos:hasTopConcept pandc:PremiumDependencyType_TieredBasedOn . pandc:ProductLineTypeScheme a skos:ConceptScheme ; rdfs:label "ProductLineType Scheme"@en ; skos:prefLabel "ProductLineType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ProductLineType_MarineCargo a owl:NamedIndividual, skos:Concept, pandc:ProductLineType ; skos:prefLabel "Marine Cargo"@en ; rdfs:label "Marine Cargo"@en ; skos:inScheme pandc:ProductLineTypeScheme ; skos:topConceptOf pandc:ProductLineTypeScheme . pandc:ProductLineTypeScheme skos:hasTopConcept pandc:ProductLineType_MarineCargo . pandc:ProductLineType_MarineFineArt a owl:NamedIndividual, skos:Concept, pandc:ProductLineType ; skos:prefLabel "Marine Fine Art"@en ; rdfs:label "Marine Fine Art"@en ; skos:inScheme pandc:ProductLineTypeScheme ; skos:topConceptOf pandc:ProductLineTypeScheme . pandc:ProductLineTypeScheme skos:hasTopConcept pandc:ProductLineType_MarineFineArt . pandc:ProductLineType_MarineFreight a owl:NamedIndividual, skos:Concept, pandc:ProductLineType ; skos:prefLabel "Marine Freight"@en ; rdfs:label "Marine Freight"@en ; skos:inScheme pandc:ProductLineTypeScheme ; skos:topConceptOf pandc:ProductLineTypeScheme . pandc:ProductLineTypeScheme skos:hasTopConcept pandc:ProductLineType_MarineFreight . pandc:ProductLineType_MarineHull a owl:NamedIndividual, skos:Concept, pandc:ProductLineType ; skos:prefLabel "Marine Hull"@en ; rdfs:label "Marine Hull"@en ; skos:inScheme pandc:ProductLineTypeScheme ; skos:topConceptOf pandc:ProductLineTypeScheme . pandc:ProductLineTypeScheme skos:hasTopConcept pandc:ProductLineType_MarineHull . pandc:ProductLineType_MarineLiability a owl:NamedIndividual, skos:Concept, pandc:ProductLineType ; skos:prefLabel "Marine Liability"@en ; rdfs:label "Marine Liability"@en ; skos:inScheme pandc:ProductLineTypeScheme ; skos:topConceptOf pandc:ProductLineTypeScheme . pandc:ProductLineTypeScheme skos:hasTopConcept pandc:ProductLineType_MarineLiability . pandc:PropertyCoveragePartScheme a skos:ConceptScheme ; rdfs:label "PropertyCoveragePart Scheme"@en ; skos:prefLabel "PropertyCoveragePart"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:PropertyCoveragePart_BuildingCoverage a owl:NamedIndividual, skos:Concept, pandc:PropertyCoveragePart ; skos:prefLabel "Building Coverage"@en ; rdfs:label "Building Coverage"@en ; skos:inScheme pandc:PropertyCoveragePartScheme ; skos:topConceptOf pandc:PropertyCoveragePartScheme . pandc:PropertyCoveragePartScheme skos:hasTopConcept pandc:PropertyCoveragePart_BuildingCoverage . pandc:PropertyCoveragePart_BusinessIncomeCoverage a owl:NamedIndividual, skos:Concept, pandc:PropertyCoveragePart ; skos:prefLabel "Business Income Coverage"@en ; rdfs:label "Business Income Coverage"@en ; skos:inScheme pandc:PropertyCoveragePartScheme ; skos:topConceptOf pandc:PropertyCoveragePartScheme . pandc:PropertyCoveragePartScheme skos:hasTopConcept pandc:PropertyCoveragePart_BusinessIncomeCoverage . pandc:PropertyCoveragePart_BusinessPersonalPropertyBPPCoverage a owl:NamedIndividual, skos:Concept, pandc:PropertyCoveragePart ; skos:prefLabel "Business Personal Property (BPP) Coverage"@en ; rdfs:label "Business Personal Property (BPP) Coverage"@en ; skos:inScheme pandc:PropertyCoveragePartScheme ; skos:topConceptOf pandc:PropertyCoveragePartScheme . pandc:PropertyCoveragePartScheme skos:hasTopConcept pandc:PropertyCoveragePart_BusinessPersonalPropertyBPPCoverage . pandc:PropertyCoveragePart_ExtraExpenseCoverage a owl:NamedIndividual, skos:Concept, pandc:PropertyCoveragePart ; skos:prefLabel "Extra Expense Coverage"@en ; rdfs:label "Extra Expense Coverage"@en ; skos:inScheme pandc:PropertyCoveragePartScheme ; skos:topConceptOf pandc:PropertyCoveragePartScheme . pandc:PropertyCoveragePartScheme skos:hasTopConcept pandc:PropertyCoveragePart_ExtraExpenseCoverage . pandc:ProtectiveSafeguardScheme a skos:ConceptScheme ; rdfs:label "ProtectiveSafeguard Scheme"@en ; skos:prefLabel "ProtectiveSafeguard"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ProtectiveSafeguard_P1AutomaticSprinklerSystem a owl:NamedIndividual, skos:Concept, pandc:ProtectiveSafeguard ; skos:prefLabel "P1 - Automatic Sprinkler System"@en ; rdfs:label "P1 - Automatic Sprinkler System"@en ; skos:inScheme pandc:ProtectiveSafeguardScheme ; skos:topConceptOf pandc:ProtectiveSafeguardScheme . pandc:ProtectiveSafeguardScheme skos:hasTopConcept pandc:ProtectiveSafeguard_P1AutomaticSprinklerSystem . pandc:ProtectiveSafeguard_P2AutomaticFireAlarm a owl:NamedIndividual, skos:Concept, pandc:ProtectiveSafeguard ; skos:prefLabel "P2 - Automatic Fire Alarm"@en ; rdfs:label "P2 - Automatic Fire Alarm"@en ; skos:inScheme pandc:ProtectiveSafeguardScheme ; skos:topConceptOf pandc:ProtectiveSafeguardScheme . pandc:ProtectiveSafeguardScheme skos:hasTopConcept pandc:ProtectiveSafeguard_P2AutomaticFireAlarm . pandc:ProtectiveSafeguard_P3SecurityService a owl:NamedIndividual, skos:Concept, pandc:ProtectiveSafeguard ; skos:prefLabel "P3 - Security Service"@en ; rdfs:label "P3 - Security Service"@en ; skos:inScheme pandc:ProtectiveSafeguardScheme ; skos:topConceptOf pandc:ProtectiveSafeguardScheme . pandc:ProtectiveSafeguardScheme skos:hasTopConcept pandc:ProtectiveSafeguard_P3SecurityService . pandc:ProtectiveSafeguard_P4WatchmanService a owl:NamedIndividual, skos:Concept, pandc:ProtectiveSafeguard ; skos:prefLabel "P4 - Watchman Service"@en ; rdfs:label "P4 - Watchman Service"@en ; skos:inScheme pandc:ProtectiveSafeguardScheme ; skos:topConceptOf pandc:ProtectiveSafeguardScheme . pandc:ProtectiveSafeguardScheme skos:hasTopConcept pandc:ProtectiveSafeguard_P4WatchmanService . pandc:RateChangeFactorTypeScheme a skos:ConceptScheme ; rdfs:label "RateChangeFactorType Scheme"@en ; skos:prefLabel "RateChangeFactorType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:RateChangeFactorType_AttachmentChange a owl:NamedIndividual, skos:Concept, pandc:RateChangeFactorType ; skos:prefLabel "Attachment Change"@en ; rdfs:label "Attachment Change"@en ; skos:inScheme pandc:RateChangeFactorTypeScheme ; skos:topConceptOf pandc:RateChangeFactorTypeScheme . pandc:RateChangeFactorTypeScheme skos:hasTopConcept pandc:RateChangeFactorType_AttachmentChange . pandc:RateChangeFactorType_ExposureChange a owl:NamedIndividual, skos:Concept, pandc:RateChangeFactorType ; skos:prefLabel "Exposure Change"@en ; rdfs:label "Exposure Change"@en ; skos:inScheme pandc:RateChangeFactorTypeScheme ; skos:topConceptOf pandc:RateChangeFactorTypeScheme . pandc:RateChangeFactorTypeScheme skos:hasTopConcept pandc:RateChangeFactorType_ExposureChange . pandc:RateChangeFactorType_LimitChange a owl:NamedIndividual, skos:Concept, pandc:RateChangeFactorType ; skos:prefLabel "Limit Change"@en ; rdfs:label "Limit Change"@en ; skos:inScheme pandc:RateChangeFactorTypeScheme ; skos:topConceptOf pandc:RateChangeFactorTypeScheme . pandc:RateChangeFactorTypeScheme skos:hasTopConcept pandc:RateChangeFactorType_LimitChange . pandc:RateChangeFactorType_SIRChange a owl:NamedIndividual, skos:Concept, pandc:RateChangeFactorType ; skos:prefLabel "SIR Change"@en ; rdfs:label "SIR Change"@en ; skos:inScheme pandc:RateChangeFactorTypeScheme ; skos:topConceptOf pandc:RateChangeFactorTypeScheme . pandc:RateChangeFactorTypeScheme skos:hasTopConcept pandc:RateChangeFactorType_SIRChange . pandc:RateStatusScheme a skos:ConceptScheme ; rdfs:label "RateStatus Scheme"@en ; skos:prefLabel "RateStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:RateStatus_MechanicalRate a owl:NamedIndividual, skos:Concept, pandc:RateStatus ; skos:prefLabel "Mechanical Rate"@en ; rdfs:label "Mechanical Rate"@en ; skos:inScheme pandc:RateStatusScheme ; skos:topConceptOf pandc:RateStatusScheme . pandc:RateStatusScheme skos:hasTopConcept pandc:RateStatus_MechanicalRate . pandc:RateStatus_SelectedRate a owl:NamedIndividual, skos:Concept, pandc:RateStatus ; skos:prefLabel "Selected Rate"@en ; rdfs:label "Selected Rate"@en ; skos:inScheme pandc:RateStatusScheme ; skos:topConceptOf pandc:RateStatusScheme . pandc:RateStatusScheme skos:hasTopConcept pandc:RateStatus_SelectedRate . pandc:RiskTierScheme a skos:ConceptScheme ; rdfs:label "RiskTier Scheme"@en ; skos:prefLabel "RiskTier"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:RiskTier_DeclinedRisk a owl:NamedIndividual, skos:Concept, pandc:RiskTier ; skos:prefLabel "Declined Risk"@en ; rdfs:label "Declined Risk"@en ; skos:inScheme pandc:RiskTierScheme ; skos:topConceptOf pandc:RiskTierScheme . pandc:RiskTierScheme skos:hasTopConcept pandc:RiskTier_DeclinedRisk . pandc:RiskTier_PreferredRisk a owl:NamedIndividual, skos:Concept, pandc:RiskTier ; skos:prefLabel "Preferred Risk"@en ; rdfs:label "Preferred Risk"@en ; skos:inScheme pandc:RiskTierScheme ; skos:topConceptOf pandc:RiskTierScheme . pandc:RiskTierScheme skos:hasTopConcept pandc:RiskTier_PreferredRisk . pandc:RiskTier_StandardRisk a owl:NamedIndividual, skos:Concept, pandc:RiskTier ; skos:prefLabel "Standard Risk"@en ; rdfs:label "Standard Risk"@en ; skos:inScheme pandc:RiskTierScheme ; skos:topConceptOf pandc:RiskTierScheme . pandc:RiskTierScheme skos:hasTopConcept pandc:RiskTier_StandardRisk . pandc:RiskTier_SubstandardRisk a owl:NamedIndividual, skos:Concept, pandc:RiskTier ; skos:prefLabel "Substandard Risk"@en ; rdfs:label "Substandard Risk"@en ; skos:inScheme pandc:RiskTierScheme ; skos:topConceptOf pandc:RiskTierScheme . pandc:RiskTierScheme skos:hasTopConcept pandc:RiskTier_SubstandardRisk . pandc:RoofGeometryScheme a skos:ConceptScheme ; rdfs:label "RoofGeometry Scheme"@en ; skos:prefLabel "RoofGeometry"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:RoofGeometry_Flat a owl:NamedIndividual, skos:Concept, pandc:RoofGeometry ; skos:prefLabel "Flat"@en ; rdfs:label "Flat"@en ; skos:inScheme pandc:RoofGeometryScheme ; skos:topConceptOf pandc:RoofGeometryScheme . pandc:RoofGeometryScheme skos:hasTopConcept pandc:RoofGeometry_Flat . pandc:RoofGeometry_Gable a owl:NamedIndividual, skos:Concept, pandc:RoofGeometry ; skos:prefLabel "Gable"@en ; rdfs:label "Gable"@en ; skos:inScheme pandc:RoofGeometryScheme ; skos:topConceptOf pandc:RoofGeometryScheme . pandc:RoofGeometryScheme skos:hasTopConcept pandc:RoofGeometry_Gable . pandc:RoofGeometry_Hip a owl:NamedIndividual, skos:Concept, pandc:RoofGeometry ; skos:prefLabel "Hip"@en ; rdfs:label "Hip"@en ; skos:inScheme pandc:RoofGeometryScheme ; skos:topConceptOf pandc:RoofGeometryScheme . pandc:RoofGeometryScheme skos:hasTopConcept pandc:RoofGeometry_Hip . pandc:RoofGeometry_Shed a owl:NamedIndividual, skos:Concept, pandc:RoofGeometry ; skos:prefLabel "Shed"@en ; rdfs:label "Shed"@en ; skos:inScheme pandc:RoofGeometryScheme ; skos:topConceptOf pandc:RoofGeometryScheme . pandc:RoofGeometryScheme skos:hasTopConcept pandc:RoofGeometry_Shed . pandc:SeismicDesignCategoryScheme a skos:ConceptScheme ; rdfs:label "SeismicDesignCategory Scheme"@en ; skos:prefLabel "SeismicDesignCategory"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:SeismicDesignCategory_SeismicDesignCategoryA a owl:NamedIndividual, skos:Concept, pandc:SeismicDesignCategory ; skos:prefLabel "Seismic Design Category A"@en ; rdfs:label "Seismic Design Category A"@en ; skos:inScheme pandc:SeismicDesignCategoryScheme ; skos:topConceptOf pandc:SeismicDesignCategoryScheme . pandc:SeismicDesignCategoryScheme skos:hasTopConcept pandc:SeismicDesignCategory_SeismicDesignCategoryA . pandc:SeismicDesignCategory_SeismicDesignCategoryB a owl:NamedIndividual, skos:Concept, pandc:SeismicDesignCategory ; skos:prefLabel "Seismic Design Category B"@en ; rdfs:label "Seismic Design Category B"@en ; skos:inScheme pandc:SeismicDesignCategoryScheme ; skos:topConceptOf pandc:SeismicDesignCategoryScheme . pandc:SeismicDesignCategoryScheme skos:hasTopConcept pandc:SeismicDesignCategory_SeismicDesignCategoryB . pandc:SeismicDesignCategory_SeismicDesignCategoryC a owl:NamedIndividual, skos:Concept, pandc:SeismicDesignCategory ; skos:prefLabel "Seismic Design Category C"@en ; rdfs:label "Seismic Design Category C"@en ; skos:inScheme pandc:SeismicDesignCategoryScheme ; skos:topConceptOf pandc:SeismicDesignCategoryScheme . pandc:SeismicDesignCategoryScheme skos:hasTopConcept pandc:SeismicDesignCategory_SeismicDesignCategoryC . pandc:SeismicDesignCategory_SeismicDesignCategoryD a owl:NamedIndividual, skos:Concept, pandc:SeismicDesignCategory ; skos:prefLabel "Seismic Design Category D"@en ; rdfs:label "Seismic Design Category D"@en ; skos:inScheme pandc:SeismicDesignCategoryScheme ; skos:topConceptOf pandc:SeismicDesignCategoryScheme . pandc:SeismicDesignCategoryScheme skos:hasTopConcept pandc:SeismicDesignCategory_SeismicDesignCategoryD . pandc:SeismicDesignCategory_SeismicDesignCategoryE a owl:NamedIndividual, skos:Concept, pandc:SeismicDesignCategory ; skos:prefLabel "Seismic Design Category E"@en ; rdfs:label "Seismic Design Category E"@en ; skos:inScheme pandc:SeismicDesignCategoryScheme ; skos:topConceptOf pandc:SeismicDesignCategoryScheme . pandc:SeismicDesignCategoryScheme skos:hasTopConcept pandc:SeismicDesignCategory_SeismicDesignCategoryE . pandc:SeismicDesignCategory_SeismicDesignCategoryF a owl:NamedIndividual, skos:Concept, pandc:SeismicDesignCategory ; skos:prefLabel "Seismic Design Category F"@en ; rdfs:label "Seismic Design Category F"@en ; skos:inScheme pandc:SeismicDesignCategoryScheme ; skos:topConceptOf pandc:SeismicDesignCategoryScheme . pandc:SeismicDesignCategoryScheme skos:hasTopConcept pandc:SeismicDesignCategory_SeismicDesignCategoryF . pandc:SelectionStatusScheme a skos:ConceptScheme ; rdfs:label "SelectionStatus Scheme"@en ; skos:prefLabel "SelectionStatus"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:SelectionStatus_ExcludedSelection a owl:NamedIndividual, skos:Concept, pandc:SelectionStatus ; skos:prefLabel "Excluded Selection"@en ; rdfs:label "Excluded Selection"@en ; skos:inScheme pandc:SelectionStatusScheme ; skos:topConceptOf pandc:SelectionStatusScheme . pandc:SelectionStatusScheme skos:hasTopConcept pandc:SelectionStatus_ExcludedSelection . pandc:SelectionStatus_MandatorySelection a owl:NamedIndividual, skos:Concept, pandc:SelectionStatus ; skos:prefLabel "Mandatory Selection"@en ; rdfs:label "Mandatory Selection"@en ; skos:inScheme pandc:SelectionStatusScheme ; skos:topConceptOf pandc:SelectionStatusScheme . pandc:SelectionStatusScheme skos:hasTopConcept pandc:SelectionStatus_MandatorySelection . pandc:SelectionStatus_OptionalSelection a owl:NamedIndividual, skos:Concept, pandc:SelectionStatus ; skos:prefLabel "Optional Selection"@en ; rdfs:label "Optional Selection"@en ; skos:inScheme pandc:SelectionStatusScheme ; skos:topConceptOf pandc:SelectionStatusScheme . pandc:SelectionStatusScheme skos:hasTopConcept pandc:SelectionStatus_OptionalSelection . pandc:SpeedUnitScheme a skos:ConceptScheme ; rdfs:label "SpeedUnit Scheme"@en ; skos:prefLabel "SpeedUnit"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:SpeedUnit_KilometresPerHour a owl:NamedIndividual, skos:Concept, pandc:SpeedUnit ; skos:prefLabel "Kilometres Per Hour"@en ; rdfs:label "Kilometres Per Hour"@en ; skos:inScheme pandc:SpeedUnitScheme ; skos:topConceptOf pandc:SpeedUnitScheme . pandc:SpeedUnitScheme skos:hasTopConcept pandc:SpeedUnit_KilometresPerHour . pandc:SpeedUnit_Knots a owl:NamedIndividual, skos:Concept, pandc:SpeedUnit ; skos:prefLabel "Knots"@en ; rdfs:label "Knots"@en ; skos:inScheme pandc:SpeedUnitScheme ; skos:topConceptOf pandc:SpeedUnitScheme . pandc:SpeedUnitScheme skos:hasTopConcept pandc:SpeedUnit_Knots . pandc:SpeedUnit_MilesPerHour a owl:NamedIndividual, skos:Concept, pandc:SpeedUnit ; skos:prefLabel "Miles Per Hour"@en ; rdfs:label "Miles Per Hour"@en ; skos:inScheme pandc:SpeedUnitScheme ; skos:topConceptOf pandc:SpeedUnitScheme . pandc:SpeedUnitScheme skos:hasTopConcept pandc:SpeedUnit_MilesPerHour . pandc:SprinklerSystemTypeScheme a skos:ConceptScheme ; rdfs:label "SprinklerSystemType Scheme"@en ; skos:prefLabel "SprinklerSystemType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:SprinklerSystemType_DelugeSystem a owl:NamedIndividual, skos:Concept, pandc:SprinklerSystemType ; skos:prefLabel "Deluge System"@en ; rdfs:label "Deluge System"@en ; skos:inScheme pandc:SprinklerSystemTypeScheme ; skos:topConceptOf pandc:SprinklerSystemTypeScheme . pandc:SprinklerSystemTypeScheme skos:hasTopConcept pandc:SprinklerSystemType_DelugeSystem . pandc:SprinklerSystemType_DryPipeSystem a owl:NamedIndividual, skos:Concept, pandc:SprinklerSystemType ; skos:prefLabel "Dry Pipe System"@en ; rdfs:label "Dry Pipe System"@en ; skos:inScheme pandc:SprinklerSystemTypeScheme ; skos:topConceptOf pandc:SprinklerSystemTypeScheme . pandc:SprinklerSystemTypeScheme skos:hasTopConcept pandc:SprinklerSystemType_DryPipeSystem . pandc:SprinklerSystemType_PreActionSystem a owl:NamedIndividual, skos:Concept, pandc:SprinklerSystemType ; skos:prefLabel "Pre-Action System"@en ; rdfs:label "Pre-Action System"@en ; skos:inScheme pandc:SprinklerSystemTypeScheme ; skos:topConceptOf pandc:SprinklerSystemTypeScheme . pandc:SprinklerSystemTypeScheme skos:hasTopConcept pandc:SprinklerSystemType_PreActionSystem . pandc:SprinklerSystemType_WetPipeSystem a owl:NamedIndividual, skos:Concept, pandc:SprinklerSystemType ; skos:prefLabel "Wet Pipe System"@en ; rdfs:label "Wet Pipe System"@en ; skos:inScheme pandc:SprinklerSystemTypeScheme ; skos:topConceptOf pandc:SprinklerSystemTypeScheme . pandc:SprinklerSystemTypeScheme skos:hasTopConcept pandc:SprinklerSystemType_WetPipeSystem . pandc:SubLimitTypeScheme a skos:ConceptScheme ; rdfs:label "SubLimitType Scheme"@en ; skos:prefLabel "SubLimitType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:SubLimitType_Catastrophe a owl:NamedIndividual, skos:Concept, pandc:SubLimitType ; skos:prefLabel "Catastrophe"@en ; rdfs:label "Catastrophe"@en ; skos:inScheme pandc:SubLimitTypeScheme ; skos:topConceptOf pandc:SubLimitTypeScheme . pandc:SubLimitTypeScheme skos:hasTopConcept pandc:SubLimitType_Catastrophe . pandc:SubLimitType_CrisisCommunication a owl:NamedIndividual, skos:Concept, pandc:SubLimitType ; skos:prefLabel "Crisis Communication"@en ; rdfs:label "Crisis Communication"@en ; skos:inScheme pandc:SubLimitTypeScheme ; skos:topConceptOf pandc:SubLimitTypeScheme . pandc:SubLimitTypeScheme skos:hasTopConcept pandc:SubLimitType_CrisisCommunication . pandc:SubLimitType_EmploymentCompensationAwardsAggregate a owl:NamedIndividual, skos:Concept, pandc:SubLimitType ; skos:prefLabel "Employment Compensation Awards Aggregate"@en ; rdfs:label "Employment Compensation Awards Aggregate"@en ; skos:inScheme pandc:SubLimitTypeScheme ; skos:topConceptOf pandc:SubLimitTypeScheme . pandc:SubLimitTypeScheme skos:hasTopConcept pandc:SubLimitType_EmploymentCompensationAwardsAggregate . pandc:SubLimitType_RecallExpenses a owl:NamedIndividual, skos:Concept, pandc:SubLimitType ; skos:prefLabel "Recall Expenses"@en ; rdfs:label "Recall Expenses"@en ; skos:inScheme pandc:SubLimitTypeScheme ; skos:topConceptOf pandc:SubLimitTypeScheme . pandc:SubLimitTypeScheme skos:hasTopConcept pandc:SubLimitType_RecallExpenses . pandc:SubLimitType_RestAndRehabilitationExpenses a owl:NamedIndividual, skos:Concept, pandc:SubLimitType ; skos:prefLabel "Rest and Rehabilitation Expenses"@en ; rdfs:label "Rest and Rehabilitation Expenses"@en ; skos:inScheme pandc:SubLimitTypeScheme ; skos:topConceptOf pandc:SubLimitTypeScheme . pandc:SubLimitTypeScheme skos:hasTopConcept pandc:SubLimitType_RestAndRehabilitationExpenses . pandc:SublimitLevelScheme a skos:ConceptScheme ; rdfs:label "SublimitLevel Scheme"@en ; skos:prefLabel "SublimitLevel"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:SublimitLevel_Building a owl:NamedIndividual, skos:Concept, pandc:SublimitLevel ; skos:prefLabel "Building"@en ; rdfs:label "Building"@en ; skos:inScheme pandc:SublimitLevelScheme ; skos:topConceptOf pandc:SublimitLevelScheme . pandc:SublimitLevelScheme skos:hasTopConcept pandc:SublimitLevel_Building . pandc:SublimitLevel_Location a owl:NamedIndividual, skos:Concept, pandc:SublimitLevel ; skos:prefLabel "Location"@en ; rdfs:label "Location"@en ; skos:inScheme pandc:SublimitLevelScheme ; skos:topConceptOf pandc:SublimitLevelScheme . pandc:SublimitLevelScheme skos:hasTopConcept pandc:SublimitLevel_Location . pandc:SublimitLevel_Policy a owl:NamedIndividual, skos:Concept, pandc:SublimitLevel ; skos:prefLabel "Policy"@en ; rdfs:label "Policy"@en ; skos:inScheme pandc:SublimitLevelScheme ; skos:topConceptOf pandc:SublimitLevelScheme . pandc:SublimitLevelScheme skos:hasTopConcept pandc:SublimitLevel_Policy . pandc:TRIATierScheme a skos:ConceptScheme ; rdfs:label "TRIATier Scheme"@en ; skos:prefLabel "TRIATier"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:TRIATier_TRIANotApplicable a owl:NamedIndividual, skos:Concept, pandc:TRIATier ; skos:prefLabel "TRIA Not Applicable"@en ; rdfs:label "TRIA Not Applicable"@en ; skos:inScheme pandc:TRIATierScheme ; skos:topConceptOf pandc:TRIATierScheme . pandc:TRIATierScheme skos:hasTopConcept pandc:TRIATier_TRIANotApplicable . pandc:TRIATier_TRIATier1 a owl:NamedIndividual, skos:Concept, pandc:TRIATier ; skos:prefLabel "TRIA Tier 1"@en ; rdfs:label "TRIA Tier 1"@en ; skos:inScheme pandc:TRIATierScheme ; skos:topConceptOf pandc:TRIATierScheme . pandc:TRIATierScheme skos:hasTopConcept pandc:TRIATier_TRIATier1 . pandc:TRIATier_TRIATier2 a owl:NamedIndividual, skos:Concept, pandc:TRIATier ; skos:prefLabel "TRIA Tier 2"@en ; rdfs:label "TRIA Tier 2"@en ; skos:inScheme pandc:TRIATierScheme ; skos:topConceptOf pandc:TRIATierScheme . pandc:TRIATierScheme skos:hasTopConcept pandc:TRIATier_TRIATier2 . pandc:TRIATier_TRIATier3 a owl:NamedIndividual, skos:Concept, pandc:TRIATier ; skos:prefLabel "TRIA Tier 3"@en ; rdfs:label "TRIA Tier 3"@en ; skos:inScheme pandc:TRIATierScheme ; skos:topConceptOf pandc:TRIATierScheme . pandc:TRIATierScheme skos:hasTopConcept pandc:TRIATier_TRIATier3 . pandc:TaxTypeScheme a skos:ConceptScheme ; rdfs:label "TaxType Scheme"@en ; skos:prefLabel "TaxType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:TaxType_ConsumptionTax a owl:NamedIndividual, skos:Concept, pandc:TaxType ; skos:prefLabel "Consumption Tax"@en ; rdfs:label "Consumption Tax"@en ; skos:inScheme pandc:TaxTypeScheme ; skos:topConceptOf pandc:TaxTypeScheme . pandc:TaxTypeScheme skos:hasTopConcept pandc:TaxType_ConsumptionTax . pandc:TaxType_InsuranceLevy a owl:NamedIndividual, skos:Concept, pandc:TaxType ; skos:prefLabel "Insurance Levy"@en ; rdfs:label "Insurance Levy"@en ; skos:inScheme pandc:TaxTypeScheme ; skos:topConceptOf pandc:TaxTypeScheme . pandc:TaxTypeScheme skos:hasTopConcept pandc:TaxType_InsuranceLevy . pandc:TaxType_SalesServiceTax a owl:NamedIndividual, skos:Concept, pandc:TaxType ; skos:prefLabel "Sales Service Tax"@en ; rdfs:label "Sales Service Tax"@en ; skos:inScheme pandc:TaxTypeScheme ; skos:topConceptOf pandc:TaxTypeScheme . pandc:TaxTypeScheme skos:hasTopConcept pandc:TaxType_SalesServiceTax . pandc:TaxType_StampTax a owl:NamedIndividual, skos:Concept, pandc:TaxType ; skos:prefLabel "Stamp Tax"@en ; rdfs:label "Stamp Tax"@en ; skos:inScheme pandc:TaxTypeScheme ; skos:topConceptOf pandc:TaxTypeScheme . pandc:TaxTypeScheme skos:hasTopConcept pandc:TaxType_StampTax . pandc:TimeUnitScheme a skos:ConceptScheme ; rdfs:label "TimeUnit Scheme"@en ; skos:prefLabel "TimeUnit"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:TimeUnit_Hours a owl:NamedIndividual, skos:Concept, pandc:TimeUnit ; skos:prefLabel "Hours"@en ; rdfs:label "Hours"@en ; skos:inScheme pandc:TimeUnitScheme ; skos:topConceptOf pandc:TimeUnitScheme . pandc:TimeUnitScheme skos:hasTopConcept pandc:TimeUnit_Hours . pandc:TimeUnit_Months a owl:NamedIndividual, skos:Concept, pandc:TimeUnit ; skos:prefLabel "Months"@en ; rdfs:label "Months"@en ; skos:inScheme pandc:TimeUnitScheme ; skos:topConceptOf pandc:TimeUnitScheme . pandc:TimeUnitScheme skos:hasTopConcept pandc:TimeUnit_Months . pandc:ValuationBasisScheme a skos:ConceptScheme ; rdfs:label "ValuationBasis Scheme"@en ; skos:prefLabel "ValuationBasis"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ValuationBasis_ActualCashValueACV a owl:NamedIndividual, skos:Concept, pandc:ValuationBasis ; skos:prefLabel "Actual Cash Value (ACV)"@en ; rdfs:label "Actual Cash Value (ACV)"@en ; skos:inScheme pandc:ValuationBasisScheme ; skos:topConceptOf pandc:ValuationBasisScheme . pandc:ValuationBasisScheme skos:hasTopConcept pandc:ValuationBasis_ActualCashValueACV . pandc:ValuationBasis_CIFPlusTen a owl:NamedIndividual, skos:Concept, pandc:ValuationBasis ; skos:prefLabel "CIF Plus Ten"@en ; rdfs:label "CIF Plus Ten"@en ; skos:inScheme pandc:ValuationBasisScheme ; skos:topConceptOf pandc:ValuationBasisScheme . pandc:ValuationBasisScheme skos:hasTopConcept pandc:ValuationBasis_CIFPlusTen . pandc:ValuationBasis_FunctionalReplacementCost a owl:NamedIndividual, skos:Concept, pandc:ValuationBasis ; skos:prefLabel "Functional Replacement Cost"@en ; rdfs:label "Functional Replacement Cost"@en ; skos:inScheme pandc:ValuationBasisScheme ; skos:topConceptOf pandc:ValuationBasisScheme . pandc:ValuationBasisScheme skos:hasTopConcept pandc:ValuationBasis_FunctionalReplacementCost . pandc:ValuationBasis_InvoiceValue a owl:NamedIndividual, skos:Concept, pandc:ValuationBasis ; skos:prefLabel "Invoice Value"@en ; rdfs:label "Invoice Value"@en ; skos:inScheme pandc:ValuationBasisScheme ; skos:topConceptOf pandc:ValuationBasisScheme . pandc:ValuationBasisScheme skos:hasTopConcept pandc:ValuationBasis_InvoiceValue . pandc:ValuationBasis_NewForOld a owl:NamedIndividual, skos:Concept, pandc:ValuationBasis ; skos:prefLabel "New For Old"@en ; rdfs:label "New For Old"@en ; skos:inScheme pandc:ValuationBasisScheme ; skos:topConceptOf pandc:ValuationBasisScheme . pandc:ValuationBasisScheme skos:hasTopConcept pandc:ValuationBasis_NewForOld . pandc:ValuationBasis_ReplacementCost a owl:NamedIndividual, skos:Concept, pandc:ValuationBasis ; skos:prefLabel "Replacement Cost"@en ; rdfs:label "Replacement Cost"@en ; skos:inScheme pandc:ValuationBasisScheme ; skos:topConceptOf pandc:ValuationBasisScheme . pandc:ValuationBasisScheme skos:hasTopConcept pandc:ValuationBasis_ReplacementCost . pandc:ValuationMethodScheme a skos:ConceptScheme ; rdfs:label "ValuationMethod Scheme"@en ; skos:prefLabel "ValuationMethod"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:ValuationMethod_AgreedValue a owl:NamedIndividual, skos:Concept, pandc:ValuationMethod ; skos:prefLabel "Agreed Value"@en ; rdfs:label "Agreed Value"@en ; skos:inScheme pandc:ValuationMethodScheme ; skos:topConceptOf pandc:ValuationMethodScheme . pandc:ValuationMethodScheme skos:hasTopConcept pandc:ValuationMethod_AgreedValue . pandc:ValuationMethod_ReplacementCostRC a owl:NamedIndividual, skos:Concept, pandc:ValuationMethod ; skos:prefLabel "Replacement Cost (RC)"@en ; rdfs:label "Replacement Cost (RC)"@en ; skos:inScheme pandc:ValuationMethodScheme ; skos:topConceptOf pandc:ValuationMethodScheme . pandc:ValuationMethodScheme skos:hasTopConcept pandc:ValuationMethod_ReplacementCostRC . pandc:VesselRiskTypeScheme a skos:ConceptScheme ; rdfs:label "VesselRiskType Scheme"@en ; skos:prefLabel "VesselRiskType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:VesselRiskType_Bluewater a owl:NamedIndividual, skos:Concept, pandc:VesselRiskType ; skos:prefLabel "Bluewater"@en ; rdfs:label "Bluewater"@en ; skos:inScheme pandc:VesselRiskTypeScheme ; skos:topConceptOf pandc:VesselRiskTypeScheme . pandc:VesselRiskTypeScheme skos:hasTopConcept pandc:VesselRiskType_Bluewater . pandc:VesselRiskType_Coastal a owl:NamedIndividual, skos:Concept, pandc:VesselRiskType ; skos:prefLabel "Coastal"@en ; rdfs:label "Coastal"@en ; skos:inScheme pandc:VesselRiskTypeScheme ; skos:topConceptOf pandc:VesselRiskTypeScheme . pandc:VesselRiskTypeScheme skos:hasTopConcept pandc:VesselRiskType_Coastal . pandc:VesselRiskType_InlandWater a owl:NamedIndividual, skos:Concept, pandc:VesselRiskType ; skos:prefLabel "Inland Water"@en ; rdfs:label "Inland Water"@en ; skos:inScheme pandc:VesselRiskTypeScheme ; skos:topConceptOf pandc:VesselRiskTypeScheme . pandc:VesselRiskTypeScheme skos:hasTopConcept pandc:VesselRiskType_InlandWater . pandc:VesselRiskType_Inshore a owl:NamedIndividual, skos:Concept, pandc:VesselRiskType ; skos:prefLabel "Inshore"@en ; rdfs:label "Inshore"@en ; skos:inScheme pandc:VesselRiskTypeScheme ; skos:topConceptOf pandc:VesselRiskTypeScheme . pandc:VesselRiskTypeScheme skos:hasTopConcept pandc:VesselRiskType_Inshore . pandc:WUIClassificationScheme a skos:ConceptScheme ; rdfs:label "WUIClassification Scheme"@en ; skos:prefLabel "WUIClassification"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . pandc:WUIClassification_NonWUINoVegetation a owl:NamedIndividual, skos:Concept, pandc:WUIClassification ; skos:prefLabel "Non-WUI No Vegetation"@en ; rdfs:label "Non-WUI No Vegetation"@en ; skos:inScheme pandc:WUIClassificationScheme ; skos:topConceptOf pandc:WUIClassificationScheme . pandc:WUIClassificationScheme skos:hasTopConcept pandc:WUIClassification_NonWUINoVegetation . pandc:WUIClassification_NonWUIVegetatedNoPopulation a owl:NamedIndividual, skos:Concept, pandc:WUIClassification ; skos:prefLabel "Non-WUI Vegetated No Population"@en ; rdfs:label "Non-WUI Vegetated No Population"@en ; skos:inScheme pandc:WUIClassificationScheme ; skos:topConceptOf pandc:WUIClassificationScheme . pandc:WUIClassificationScheme skos:hasTopConcept pandc:WUIClassification_NonWUIVegetatedNoPopulation . pandc:WUIClassification_NonWUIVeryLowDensity a owl:NamedIndividual, skos:Concept, pandc:WUIClassification ; skos:prefLabel "Non-WUI Very Low Density"@en ; rdfs:label "Non-WUI Very Low Density"@en ; skos:inScheme pandc:WUIClassificationScheme ; skos:topConceptOf pandc:WUIClassificationScheme . pandc:WUIClassificationScheme skos:hasTopConcept pandc:WUIClassification_NonWUIVeryLowDensity . pandc:WUIClassification_WUIInterface a owl:NamedIndividual, skos:Concept, pandc:WUIClassification ; skos:prefLabel "WUI Interface"@en ; rdfs:label "WUI Interface"@en ; skos:inScheme pandc:WUIClassificationScheme ; skos:topConceptOf pandc:WUIClassificationScheme . pandc:WUIClassificationScheme skos:hasTopConcept pandc:WUIClassification_WUIInterface . pandc:WUIClassification_WUIIntermix a owl:NamedIndividual, skos:Concept, pandc:WUIClassification ; skos:prefLabel "WUI Intermix"@en ; rdfs:label "WUI Intermix"@en ; skos:inScheme pandc:WUIClassificationScheme ; skos:topConceptOf pandc:WUIClassificationScheme . pandc:WUIClassificationScheme skos:hasTopConcept pandc:WUIClassification_WUIIntermix . pandc:WUIClassification_WUIOccludedInterface a owl:NamedIndividual, skos:Concept, pandc:WUIClassification ; skos:prefLabel "WUI Occluded Interface"@en ; rdfs:label "WUI Occluded Interface"@en ; skos:inScheme pandc:WUIClassificationScheme ; skos:topConceptOf pandc:WUIClassificationScheme . pandc:WUIClassificationScheme skos:hasTopConcept pandc:WUIClassification_WUIOccludedInterface . ra:RiskIndicatorTypeScheme a skos:ConceptScheme ; rdfs:label "RiskIndicatorType Scheme"@en ; skos:prefLabel "RiskIndicatorType"@en ; ec:w3cPattern "W3C SKOS concept scheme replacing an enumerated class in the source LDM" ; dct:source "Chubb Domain Ontology LDM v1.06" . ra:RiskIndicatorType_ConstructionFlag a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Construction Flag"@en ; rdfs:label "Construction Flag"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_ConstructionFlag . ra:RiskIndicatorType_ConstructionPercentage a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Construction Percentage"@en ; rdfs:label "Construction Percentage"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_ConstructionPercentage . ra:RiskIndicatorType_ConstructionScore a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Construction Score"@en ; rdfs:label "Construction Score"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_ConstructionScore . ra:RiskIndicatorType_CreditLossProbability a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Credit Loss Probability"@en ; rdfs:label "Credit Loss Probability"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_CreditLossProbability . ra:RiskIndicatorType_FireBrigadeAssessment a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Fire Brigade Assessment"@en ; rdfs:label "Fire Brigade Assessment"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_FireBrigadeAssessment . ra:RiskIndicatorType_GeneralFirePrecautionaryDuty a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "General Fire Precautionary Duty"@en ; rdfs:label "General Fire Precautionary Duty"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_GeneralFirePrecautionaryDuty . ra:RiskIndicatorType_INFBI a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "INF BI"@en ; rdfs:label "INF BI"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_INFBI . ra:RiskIndicatorType_INFBuildings a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "INF Buildings"@en ; rdfs:label "INF Buildings"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_INFBuildings . ra:RiskIndicatorType_LocalAreaTIV a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Local Area TIV"@en ; rdfs:label "Local Area TIV"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_LocalAreaTIV . ra:RiskIndicatorType_LocationProximityHazard a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Location Proximity Hazard"@en ; rdfs:label "Location Proximity Hazard"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_LocationProximityHazard . ra:RiskIndicatorType_ManagementControlsGrade a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Management Controls Grade"@en ; rdfs:label "Management Controls Grade"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_ManagementControlsGrade . ra:RiskIndicatorType_NAICSAnalyticsIndicator a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "NAICS Analytics Indicator"@en ; rdfs:label "NAICS Analytics Indicator"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_NAICSAnalyticsIndicator . ra:RiskIndicatorType_NATCATScore a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "NATCAT Score"@en ; rdfs:label "NATCAT Score"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_NATCATScore . ra:RiskIndicatorType_OccupancyFlag a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Occupancy Flag"@en ; rdfs:label "Occupancy Flag"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_OccupancyFlag . ra:RiskIndicatorType_OccupancyPercentage8More a owl:NamedIndividual, skos:Concept, ra:RiskIndicatorType ; skos:prefLabel "Occupancy Percentage (+ 8 more)"@en ; rdfs:label "Occupancy Percentage (+ 8 more)"@en ; skos:inScheme ra:RiskIndicatorTypeScheme ; skos:topConceptOf ra:RiskIndicatorTypeScheme . ra:RiskIndicatorTypeScheme skos:hasTopConcept ra:RiskIndicatorType_OccupancyPercentage8More . #==================================================================================================== # TARGET-STATE ENTERPRISE CLAIM MODULE (ec:) # Closes the gaps found when the source LDM v1.06 is assessed against # ACORD P&C Claims, OMG/FIBO FND-BE-FBC, and the W3C OWL 2 / SKOS / SHACL / PROV stack. #==================================================================================================== ec:ClaimDomainConcept a owl:Class ; rdfs:label "Claim Domain Concept"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Abstract root of the enterprise claim module. Every target-state claim concept is a subclass."@en ; rdfs:comment "Abstract root of the enterprise claim module. Every target-state claim concept is a subclass."@en ; ec:gapRef "G-00" ; ec:w3cPattern "OWL 2 - module root for reasoning and partitioning" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:LossEvent a owl:Class ; rdfs:label "Loss Event"@en ; rdfs:subClassOf gist:Event ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "The real-world occurrence that causes loss or injury. Distinct from the claim: one loss event may generate many claims across many policies and many insureds. The source LDM collapses this into ins:Claim, which makes catastrophe roll-up and multi-claimant events unmodellable."@en ; rdfs:comment "The real-world occurrence that causes loss or injury. Distinct from the claim: one loss event may generate many claims across many policies and many insureds. The source LDM collapses this into ins:Claim, which makes catastrophe roll-up and multi-claimant events unmodellable."@en ; ec:acordAlignment "ACORD P&C ClaimsOccurrence" ; ec:fiboAlignment "no FIBO equivalent" ; ec:gapRef "G-01" ; ec:w3cPattern "OWL 2 - separates occurrence from demand" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:CatastropheEvent a owl:Class ; rdfs:label "Catastrophe Event"@en ; rdfs:subClassOf ec:LossEvent ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A declared catastrophe to which many loss events are attributed, carrying an industry CAT code (PCS or equivalent). The source LDM holds only a catastropheEventCode string on ins:Claim."@en ; rdfs:comment "A declared catastrophe to which many loss events are attributed, carrying an industry CAT code (PCS or equivalent). The source LDM holds only a catastropheEventCode string on ins:Claim."@en ; ec:acordAlignment "ACORD CatastropheCode" ; ec:gapRef "G-02" ; ec:w3cPattern "OWL 2 - reified event replacing a literal code" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:FirstNoticeOfLoss a owl:Class ; rdfs:label "First Notice of Loss"@en ; rdfs:subClassOf gist:Event ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "The initial report of a loss to the insurer, from any channel. FNOL is the entry point of the claim lifecycle and carries its own timestamp, channel, reporter and completeness state; the source LDM records only a dateReported literal."@en ; rdfs:comment "The initial report of a loss to the insurer, from any channel. FNOL is the entry point of the claim lifecycle and carries its own timestamp, channel, reporter and completeness state; the source LDM records only a dateReported literal."@en ; ec:acordAlignment "ACORD ClaimsNotification / FNOL" ; ec:gapRef "G-03" ; ec:w3cPattern "PROV-O - prov:Activity with prov:wasAssociatedWith" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimLifecycleTransition a owl:Class ; rdfs:label "Claim Lifecycle Transition"@en ; rdfs:subClassOf gist:Event ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A dated, attributed transition of a claim from one status to another. Reifying the transition is what makes cycle-time, reopen-rate and leakage analytics possible; a single hasClaimStatus link records only the current state and destroys history."@en ; rdfs:comment "A dated, attributed transition of a claim from one status to another. Reifying the transition is what makes cycle-time, reopen-rate and leakage analytics possible; a single hasClaimStatus link records only the current state and destroys history."@en ; ec:gapRef "G-04" ; ec:w3cPattern "PROV-O - qualified state change with prov:atTime and prov:wasAttributedTo" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimFeature a owl:Class ; rdfs:label "Claim Feature"@en ; rdfs:subClassOf ec:ClaimDomainConcept ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "The intersection of one claim, one coverage and one claimant - the true unit at which reserves, payments and recoveries are held in every claims system. The source LDM attaches money directly to ins:Claim, so a claim with two coverages and three claimants cannot be reserved correctly."@en ; rdfs:comment "The intersection of one claim, one coverage and one claimant - the true unit at which reserves, payments and recoveries are held in every claims system. The source LDM attaches money directly to ins:Claim, so a claim with two coverages and three claimants cannot be reserved correctly."@en ; ec:acordAlignment "ACORD ClaimsSubjectInsuranceInfo / feature-level detail" ; ec:gapRef "G-05" ; ec:w3cPattern "OWL 2 - n-ary relation reified as a class (W3C n-ary pattern)" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimPartyRole a owl:Class ; rdfs:label "Claim Party Role"@en ; rdfs:subClassOf gist:Role ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Reified, time-bounded role of a party on a claim (claimant, insured, adjuster, attorney, expert, witness, vendor, third party). Replaces the direct claimantParty and hasAdjuster links, which cannot express role start and end dates or a party holding two roles on one claim."@en ; rdfs:comment "Reified, time-bounded role of a party on a claim (claimant, insured, adjuster, attorney, expert, witness, vendor, third party). Replaces the direct claimantParty and hasAdjuster links, which cannot express role start and end dates or a party holding two roles on one claim."@en ; ec:acordAlignment "ACORD ClaimsParty with ClaimsPartyRoleCd" ; ec:fiboAlignment "fibo-fnd-pty-rl:PartyInRole" ; ec:gapRef "G-06" ; ec:w3cPattern "OWL 2 - role reification; FIBO PartyInRole pattern" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:CoverageDetermination a owl:Class ; rdfs:label "Coverage Determination"@en ; rdfs:subClassOf ec:ClaimDomainConcept ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "The documented decision on whether, and to what extent, a coverage responds to a loss, with rationale, decision date and decider. Absent from the source LDM, which leaves coverage denial unauditable."@en ; rdfs:comment "The documented decision on whether, and to what extent, a coverage responds to a loss, with rationale, decision date and decider. Absent from the source LDM, which leaves coverage denial unauditable."@en ; ec:acordAlignment "ACORD ClaimsCoverageDecision" ; ec:gapRef "G-07" ; ec:w3cPattern "PROV-O - prov:Activity generating a decision entity" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ReservationOfRights a owl:Class ; rdfs:label "Reservation of Rights"@en ; rdfs:subClassOf ec:ClaimDomainConcept ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Notice issued by the insurer preserving its right to deny coverage while continuing to investigate. Legally required in most US jurisdictions and entirely unmodelled in the source LDM."@en ; rdfs:comment "Notice issued by the insurer preserving its right to deny coverage while continuing to investigate. Legally required in most US jurisdictions and entirely unmodelled in the source LDM."@en ; ec:gapRef "G-08" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimFinancialTransaction a owl:Class ; rdfs:label "Claim Financial Transaction"@en ; rdfs:subClassOf gist:Transaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Abstract superclass of every money movement on a claim feature. Gives reserve changes, payments and recoveries one consistent, auditable transaction pattern instead of the flat paid/reserve/recovery literals held on ins:Claim."@en ; rdfs:comment "Abstract superclass of every money movement on a claim feature. Gives reserve changes, payments and recoveries one consistent, auditable transaction pattern instead of the flat paid/reserve/recovery literals held on ins:Claim."@en ; ec:acordAlignment "ACORD ClaimsFinancialTransaction" ; ec:fiboAlignment "fibo-fnd-acc-cur:MonetaryAmount" ; ec:gapRef "G-09" ; ec:w3cPattern "OWL 2 - transaction pattern; amounts as fibo MonetaryAmount not bare decimals" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ReserveTransaction a owl:Class ; rdfs:label "Reserve Transaction"@en ; rdfs:subClassOf ec:ClaimFinancialTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A dated change to a case reserve on a claim feature. Reserve history is the basis of actuarial development triangles; the single reserveAmount literal in the source LDM cannot produce them."@en ; rdfs:comment "A dated change to a case reserve on a claim feature. Reserve history is the basis of actuarial development triangles; the single reserveAmount literal in the source LDM cannot produce them."@en ; ec:acordAlignment "ACORD ClaimsReserve" ; ec:gapRef "G-10" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:PaymentTransaction a owl:Class ; rdfs:label "Payment Transaction"@en ; rdfs:subClassOf ec:ClaimFinancialTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "An outgoing payment on a claim feature, split by indemnity, ALAE and ULAE."@en ; rdfs:comment "An outgoing payment on a claim feature, split by indemnity, ALAE and ULAE."@en ; ec:acordAlignment "ACORD ClaimsPayment" ; ec:gapRef "G-11" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:RecoveryTransaction a owl:Class ; rdfs:label "Recovery Transaction"@en ; rdfs:subClassOf ec:ClaimFinancialTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "An incoming recovery on a claim feature. Specialised as subrogation, salvage, deductible and reinsurance recovery; the source LDM has one recoveryAmount literal and an attribute-free ins:Subrogation class."@en ; rdfs:comment "An incoming recovery on a claim feature. Specialised as subrogation, salvage, deductible and reinsurance recovery; the source LDM has one recoveryAmount literal and an attribute-free ins:Subrogation class."@en ; ec:acordAlignment "ACORD ClaimsRecovery" ; ec:gapRef "G-12" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:SubrogationRecovery a owl:Class ; rdfs:label "Subrogation Recovery"@en ; rdfs:subClassOf ec:RecoveryTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Recovery obtained by pursuing a liable third party."@en ; rdfs:comment "Recovery obtained by pursuing a liable third party."@en ; ec:acordAlignment "ACORD ClaimsSubrogation" ; ec:gapRef "G-12" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:SalvageRecovery a owl:Class ; rdfs:label "Salvage Recovery"@en ; rdfs:subClassOf ec:RecoveryTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Recovery obtained by disposing of damaged property to which the insurer has taken title."@en ; rdfs:comment "Recovery obtained by disposing of damaged property to which the insurer has taken title."@en ; ec:acordAlignment "ACORD ClaimsSalvage" ; ec:gapRef "G-12" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:DeductibleRecovery a owl:Class ; rdfs:label "Deductible Recovery"@en ; rdfs:subClassOf ec:RecoveryTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Recovery of a deductible from the insured under a pay-then-collect arrangement."@en ; rdfs:comment "Recovery of a deductible from the insured under a pay-then-collect arrangement."@en ; ec:gapRef "G-12" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ReinsuranceRecovery a owl:Class ; rdfs:label "Reinsurance Recovery"@en ; rdfs:subClassOf ec:RecoveryTransaction ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Amount ceded and recovered from a reinsurer for this claim. Connects to ins:ReinsuranceClaim, which the source LDM leaves stranded with no financial link."@en ; rdfs:comment "Amount ceded and recovered from a reinsurer for this claim. Connects to ins:ReinsuranceClaim, which the source LDM leaves stranded with no financial link."@en ; ec:acordAlignment "ACORD Reinsurance (RLC) claim advice" ; ec:gapRef "G-13" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:IBNRProvision a owl:Class ; rdfs:label "IBNR Provision"@en ; rdfs:subClassOf ec:ClaimDomainConcept ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Incurred-but-not-reported provision held at portfolio rather than claim level. Required for IFRS 17 and Solvency II reporting and absent from the source LDM."@en ; rdfs:comment "Incurred-but-not-reported provision held at portfolio rather than claim level. Required for IFRS 17 and Solvency II reporting and absent from the source LDM."@en ; ec:gapRef "G-14" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimHandlingActivity a owl:Class ; rdfs:label "Claim Handling Activity"@en ; rdfs:subClassOf gist:Event ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Any recorded work item on a claim - diary entry, task, inspection, contact attempt. The unit of claims operational analytics and of adjuster workload measurement."@en ; rdfs:comment "Any recorded work item on a claim - diary entry, task, inspection, contact attempt. The unit of claims operational analytics and of adjuster workload measurement."@en ; ec:acordAlignment "ACORD ClaimsActivity" ; ec:gapRef "G-15" ; ec:w3cPattern "PROV-O - prov:Activity" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:DamageAssessment a owl:Class ; rdfs:label "Damage Assessment"@en ; rdfs:subClassOf gist:Assessment ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Evaluation of physical damage to a covered item, producing an estimated cost of repair or replacement."@en ; rdfs:comment "Evaluation of physical damage to a covered item, producing an estimated cost of repair or replacement."@en ; ec:acordAlignment "ACORD ClaimsDamageInfo" ; ec:gapRef "G-16" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:InjuryAssessment a owl:Class ; rdfs:label "Injury Assessment"@en ; rdfs:subClassOf gist:Assessment ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Evaluation of bodily injury, carrying body part, injury nature and severity coding (ICD, NCCI). Required for workers compensation and liability claims; the source LDM has no injury model at all despite carrying a Workers Compensation claim type."@en ; rdfs:comment "Evaluation of bodily injury, carrying body part, injury nature and severity coding (ICD, NCCI). Required for workers compensation and liability claims; the source LDM has no injury model at all despite carrying a Workers Compensation claim type."@en ; ec:acordAlignment "ACORD ClaimsInjuryInfo" ; ec:gapRef "G-17" ; ec:w3cPattern "SKOS - external code schemes (ICD-10, NCCI)" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:FraudInvestigation a owl:Class ; rdfs:label "Fraud Investigation"@en ; rdfs:subClassOf gist:Event ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A special investigation unit referral and its outcome. Fraud detection is a primary claims use case and has no representation in the source LDM."@en ; rdfs:comment "A special investigation unit referral and its outcome. Fraud detection is a primary claims use case and has no representation in the source LDM."@en ; ec:acordAlignment "ACORD ClaimsInvestigation" ; ec:gapRef "G-18" ; ec:w3cPattern "PROV-O" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:FraudIndicator a owl:Class ; rdfs:label "Fraud Indicator"@en ; rdfs:subClassOf skos:Concept ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A red-flag indicator asserted on a claim, drawn from a governed indicator vocabulary."@en ; rdfs:comment "A red-flag indicator asserted on a claim, drawn from a governed indicator vocabulary."@en ; ec:gapRef "G-18" ; ec:w3cPattern "SKOS" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:LitigationMatter a owl:Class ; rdfs:label "Litigation Matter"@en ; rdfs:subClassOf gist:Event ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A legal proceeding arising from a claim, with venue, jurisdiction, counsel and outcome. The source LDM records only an isLitigated boolean."@en ; rdfs:comment "A legal proceeding arising from a claim, with venue, jurisdiction, counsel and outcome. The source LDM records only an isLitigated boolean."@en ; ec:acordAlignment "ACORD ClaimsLitigation" ; ec:fiboAlignment "fibo-fnd-law-jur:Jurisdiction" ; ec:gapRef "G-19" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:Settlement a owl:Class ; rdfs:label "Settlement"@en ; rdfs:subClassOf ec:ClaimDomainConcept ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "The negotiated resolution of a claim or claim feature, including release terms and structured settlement arrangements."@en ; rdfs:comment "The negotiated resolution of a claim or claim feature, including release terms and structured settlement arrangements."@en ; ec:acordAlignment "ACORD ClaimsSettlement" ; ec:gapRef "G-20" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimServiceProvider a owl:Class ; rdfs:label "Claim Service Provider"@en ; rdfs:subClassOf gist:Role ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A vendor engaged on a claim - independent adjuster, contractor, medical provider, defence counsel - with its engagement and spend. Vendor spend is typically 40-60% of ALAE and is unmodelled."@en ; rdfs:comment "A vendor engaged on a claim - independent adjuster, contractor, medical provider, defence counsel - with its engagement and spend. Vendor spend is typically 40-60% of ALAE and is unmodelled."@en ; ec:acordAlignment "ACORD ClaimsVendor" ; ec:gapRef "G-21" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ClaimDocument a owl:Class ; rdfs:label "Claim Document"@en ; rdfs:subClassOf gist:Document ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Any document attached to a claim: FNOL form, police report, estimate, photograph, medical record, release. Specialises ins:Attachment for the claim context."@en ; rdfs:comment "Any document attached to a claim: FNOL form, police report, estimate, photograph, medical record, release. Specialises ins:Attachment for the claim context."@en ; ec:acordAlignment "ACORD ClaimsAttachment" ; ec:fiboAlignment "fibo-fnd-arr-doc:Document" ; ec:gapRef "G-22" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:AuditableRecord a owl:Class ; rdfs:label "Auditable Record"@en ; rdfs:subClassOf owl:Thing ; skos:definition "Mixin for any concept that must carry created-by, created-date and last-modified provenance as object properties to ins:Party rather than as strings. Addresses source violations V-013 and V-017."@en ; rdfs:comment "Mixin for any concept that must carry created-by, created-date and last-modified provenance as object properties to ins:Party rather than as strings. Addresses source violations V-013 and V-017."@en ; ec:gapRef "G-23" ; ec:w3cPattern "PROV-O - prov:Entity with prov:wasAttributedTo" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:RegulatoryReport a owl:Class ; rdfs:label "Regulatory Report"@en ; rdfs:subClassOf gist:Document ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "A claim-derived statutory or regulatory submission (state reporting, NAIC, IFRS 17 disclosure, MMSEA Section 111 CMS reporting)."@en ; rdfs:comment "A claim-derived statutory or regulatory submission (state reporting, NAIC, IFRS 17 disclosure, MMSEA Section 111 CMS reporting)."@en ; ec:gapRef "G-24" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:Binder a owl:Class ; rdfs:label "Binder"@en ; rdfs:subClassOf gist:Agreement ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Temporary evidence of coverage issued before policy issuance. Closes source violation V-012, where binding exists only as a quote status value."@en ; rdfs:comment "Temporary evidence of coverage issued before policy issuance. Closes source violation V-012, where binding exists only as a quote status value."@en ; ec:acordAlignment "ACORD Binder" ; ec:fiboAlignment "fibo-fnd-agr-ctr:Contract" ; ec:gapRef "V-012" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . ec:ReinsuranceAgreement a owl:Class ; rdfs:label "Reinsurance Agreement"@en ; rdfs:subClassOf gist:Agreement ; rdfs:subClassOf ec:ClaimDomainConcept ; skos:definition "Treaty or facultative agreement ceding risk to a reinsurer. Closes source violation V-019, where ins:hasReinsuranceAgreement points at a class that is never defined."@en ; rdfs:comment "Treaty or facultative agreement ceding risk to a reinsurer. Closes source violation V-019, where ins:hasReinsuranceAgreement points at a class that is never defined."@en ; ec:acordAlignment "ACORD Reinsurance (RLC)" ; ec:fiboAlignment "fibo-fnd-agr-ctr:Contract" ; ec:gapRef "V-019" ; ec:w3cPattern "OWL 2" ; ec:module "Enterprise Claim - target state" ; ec:conformance "Target state - proposed" ; rdfs:isDefinedBy . #---------------------------------------------------------------------------------------------------- # TARGET-STATE OBJECT PROPERTIES #---------------------------------------------------------------------------------------------------- ec:arisesFromLossEvent a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "arises from loss event"@en ; rdfs:domain ins:Claim ; rdfs:range ec:LossEvent ; skos:definition "Links a claim to the occurrence that caused it. Many claims to one loss event."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:attributedToCatastrophe a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "attributed to catastrophe"@en ; rdfs:domain ec:LossEvent ; rdfs:range ec:CatastropheEvent ; skos:definition "Attributes a loss event to a declared catastrophe."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:reportedVia a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "reported via"@en ; rdfs:domain ins:Claim ; rdfs:range ec:FirstNoticeOfLoss ; skos:definition "Links a claim to the first notice of loss that opened it."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasClaimFeature a owl:ObjectProperty ; rdfs:label "has claim feature"@en ; rdfs:domain ins:Claim ; rdfs:range ec:ClaimFeature ; skos:definition "Decomposes a claim into coverage-and-claimant level features."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:featureForCoverage a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "feature for coverage"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range pandc:Coverage ; skos:definition "The coverage this feature is reserved and paid against."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:featureForClaimant a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "feature for claimant"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range ec:ClaimPartyRole ; skos:definition "The claimant role this feature belongs to."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasClaimPartyRole a owl:ObjectProperty ; rdfs:label "has claim party role"@en ; rdfs:domain ins:Claim ; rdfs:range ec:ClaimPartyRole ; skos:definition "Associates a claim with a reified, time-bounded party role."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:rolePlayedByParty a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "role played by party"@en ; rdfs:domain ec:ClaimPartyRole ; rdfs:range ins:Party ; skos:definition "The party that plays this claim role."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasFinancialTransaction a owl:ObjectProperty ; rdfs:label "has financial transaction"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range ec:ClaimFinancialTransaction ; skos:definition "All money movements booked against a claim feature."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasCoverageDetermination a owl:ObjectProperty ; rdfs:label "has coverage determination"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range ec:CoverageDetermination ; skos:definition "The coverage decision recorded for this feature."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasLifecycleTransition a owl:ObjectProperty ; rdfs:label "has lifecycle transition"@en ; rdfs:domain ins:Claim ; rdfs:range ec:ClaimLifecycleTransition ; skos:definition "The ordered history of status changes on the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:transitionFromStatus a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "transition from status"@en ; rdfs:domain ec:ClaimLifecycleTransition ; rdfs:range ins:ClaimStatus ; skos:definition "Prior status in a claim lifecycle transition."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:transitionToStatus a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "transition to status"@en ; rdfs:domain ec:ClaimLifecycleTransition ; rdfs:range ins:ClaimStatus ; skos:definition "Resulting status in a claim lifecycle transition."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasHandlingActivity a owl:ObjectProperty ; rdfs:label "has handling activity"@en ; rdfs:domain ins:Claim ; rdfs:range ec:ClaimHandlingActivity ; skos:definition "Work items recorded against the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasLitigationMatter a owl:ObjectProperty ; rdfs:label "has litigation matter"@en ; rdfs:domain ins:Claim ; rdfs:range ec:LitigationMatter ; skos:definition "Legal proceedings arising from the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasSettlement a owl:ObjectProperty ; rdfs:label "has settlement"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range ec:Settlement ; skos:definition "The settlement resolving this feature."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasFraudInvestigation a owl:ObjectProperty ; rdfs:label "has fraud investigation"@en ; rdfs:domain ins:Claim ; rdfs:range ec:FraudInvestigation ; skos:definition "SIU referrals raised on the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasFraudIndicator a owl:ObjectProperty ; rdfs:label "has fraud indicator"@en ; rdfs:domain ins:Claim ; rdfs:range ec:FraudIndicator ; skos:definition "Red-flag indicators asserted on the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasDamageAssessment a owl:ObjectProperty ; rdfs:label "has damage assessment"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range ec:DamageAssessment ; skos:definition "Damage evaluations supporting the feature."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasInjuryAssessment a owl:ObjectProperty ; rdfs:label "has injury assessment"@en ; rdfs:domain ec:ClaimFeature ; rdfs:range ec:InjuryAssessment ; skos:definition "Injury evaluations supporting the feature."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:engagedServiceProvider a owl:ObjectProperty ; rdfs:label "engaged service provider"@en ; rdfs:domain ins:Claim ; rdfs:range ec:ClaimServiceProvider ; skos:definition "Vendors engaged on the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:hasClaimDocument a owl:ObjectProperty ; rdfs:label "has claim document"@en ; rdfs:domain ins:Claim ; rdfs:range ec:ClaimDocument ; skos:definition "Documents attached to the claim."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:recoveredFromParty a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "recovered from party"@en ; rdfs:domain ec:RecoveryTransaction ; rdfs:range ins:Party ; skos:definition "The party from whom a recovery was obtained."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:cededUnderAgreement a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "ceded under agreement"@en ; rdfs:domain ec:ReinsuranceRecovery ; rdfs:range ec:ReinsuranceAgreement ; skos:definition "The reinsurance agreement under which the recovery is made."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:transactionCurrency a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "transaction currency"@en ; rdfs:domain ec:ClaimFinancialTransaction ; rdfs:range ins:CurrencyCode ; skos:definition "Currency of the transaction amount. Every monetary value must be currency-qualified."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:createdByParty a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "created by party"@en ; rdfs:domain ec:AuditableRecord ; rdfs:range ins:Party ; skos:definition "Party that created the record. Replaces createdBy string literals (violations V-013, V-017)."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:lastModifiedByParty a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "last modified by party"@en ; rdfs:domain ec:AuditableRecord ; rdfs:range ins:Party ; skos:definition "Party that last modified the record."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:governedByJurisdiction a owl:ObjectProperty ; a owl:FunctionalProperty ; rdfs:label "governed by jurisdiction"@en ; rdfs:domain ec:LitigationMatter ; rdfs:range ins:StateProvince ; skos:definition "Jurisdiction governing the matter. Addresses the jurisdiction gap flagged in violation V-010."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . #---------------------------------------------------------------------------------------------------- # TARGET-STATE DATATYPE PROPERTIES #---------------------------------------------------------------------------------------------------- ec:transactionAmount a owl:DatatypeProperty ; rdfs:label "transaction amount"@en ; rdfs:domain ec:ClaimFinancialTransaction ; rdfs:range xsd:decimal ; skos:definition "Signed amount of the financial transaction."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:transactionDate a owl:DatatypeProperty ; rdfs:label "transaction date"@en ; rdfs:domain ec:ClaimFinancialTransaction ; rdfs:range xsd:dateTime ; skos:definition "Date the transaction was booked."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:transactionSequence a owl:DatatypeProperty ; rdfs:label "transaction sequence"@en ; rdfs:domain ec:ClaimFinancialTransaction ; rdfs:range xsd:integer ; skos:definition "Ordering of transactions within a claim feature."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:occurrenceDateTime a owl:DatatypeProperty ; rdfs:label "occurrence date time"@en ; rdfs:domain ec:LossEvent ; rdfs:range xsd:dateTime ; skos:definition "When the loss event occurred."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:noticeDateTime a owl:DatatypeProperty ; rdfs:label "notice date time"@en ; rdfs:domain ec:FirstNoticeOfLoss ; rdfs:range xsd:dateTime ; skos:definition "When the loss was first notified to the insurer."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:reportingLagDays a owl:DatatypeProperty ; rdfs:label "reporting lag days"@en ; rdfs:domain ec:FirstNoticeOfLoss ; rdfs:range xsd:integer ; skos:definition "Days between occurrence and notice; the key IBNR driver."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:transitionDateTime a owl:DatatypeProperty ; rdfs:label "transition date time"@en ; rdfs:domain ec:ClaimLifecycleTransition ; rdfs:range xsd:dateTime ; skos:definition "When the status change occurred."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:roleStartDate a owl:DatatypeProperty ; rdfs:label "role start date"@en ; rdfs:domain ec:ClaimPartyRole ; rdfs:range xsd:dateTime ; skos:definition "Start of the party role."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:roleEndDate a owl:DatatypeProperty ; rdfs:label "role end date"@en ; rdfs:domain ec:ClaimPartyRole ; rdfs:range xsd:dateTime ; skos:definition "End of the party role."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:determinationOutcome a owl:DatatypeProperty ; rdfs:label "determination outcome"@en ; rdfs:domain ec:CoverageDetermination ; rdfs:range xsd:string ; skos:definition "Outcome of the coverage decision."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:determinationRationale a owl:DatatypeProperty ; rdfs:label "determination rationale"@en ; rdfs:domain ec:CoverageDetermination ; rdfs:range xsd:string ; skos:definition "Documented reasoning for the coverage decision."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:catastropheCode a owl:DatatypeProperty ; rdfs:label "catastrophe code"@en ; rdfs:domain ec:CatastropheEvent ; rdfs:range xsd:string ; skos:definition "Industry catastrophe code, e.g. a PCS serial number."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . ec:isReopened a owl:DatatypeProperty ; rdfs:label "is reopened"@en ; rdfs:domain ins:Claim ; rdfs:range xsd:boolean ; skos:definition "Whether the claim has been reopened after closure."@en ; ec:module "Enterprise Claim - target state" ; rdfs:isDefinedBy . #==================================================================================================== # SHACL VALIDATION SHAPES (W3C SHACL) # The source LDM carries zero SHACL. These shapes make the claim core testable. #==================================================================================================== ec:ClaimShape a sh:NodeShape ; sh:targetClass ins:Claim ; rdfs:label "Claim validation shape"@en ; ec:w3cPattern "W3C SHACL Core" ; sh:property [ sh:path ins:claimNumber ; sh:datatype xsd:string ; sh:minCount 1 ; sh:maxCount 1 ; sh:name "claim number" ; sh:message "Every claim must carry exactly one claim number (business key)." ] ; sh:property [ sh:path ins:claimOnPolicy ; sh:class ins:Policy ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "Every claim must reference exactly one policy." ] ; sh:property [ sh:path ec:arisesFromLossEvent ; sh:class ec:LossEvent ; sh:minCount 1 ; sh:message "Every claim must arise from a loss event." ] ; sh:property [ sh:path ins:dateReported ; sh:datatype xsd:dateTime ; sh:minCount 1 ; sh:message "Date reported is mandatory for IBNR and cycle-time reporting." ] ; sh:property [ sh:path ins:hasClaimStatus ; sh:class ins:ClaimStatus ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "A claim must have exactly one current status." ] ; sh:property [ sh:path ins:paidAmount ; sh:datatype xsd:decimal ; sh:minInclusive 0 ; sh:message "Paid amount cannot be negative." ] ; sh:property [ sh:path ins:reserveAmount ; sh:datatype xsd:decimal ; sh:minInclusive 0 ; sh:message "Reserve amount cannot be negative." ] ; sh:sparql [ a sh:SPARQLConstraint ; sh:message "Incurred must equal paid plus outstanding reserve." ; sh:prefixes ; sh:select """SELECT $this WHERE { $this ?inc ; ?paid ; ?res . FILTER ( ?inc != ?paid + ?res ) }""" ] . ec:ClaimDateOrderShape a sh:NodeShape ; sh:targetClass ins:Claim ; rdfs:label "Claim date ordering shape"@en ; sh:sparql [ a sh:SPARQLConstraint ; sh:message "Date opened cannot precede date reported, and date closed cannot precede date opened." ; sh:prefixes ; sh:select """SELECT $this WHERE { $this ?rep ; ?op . OPTIONAL { $this ?cl } FILTER ( ?op < ?rep || ?cl < ?op ) }""" ] . ec:ClaimFeatureShape a sh:NodeShape ; sh:targetClass ec:ClaimFeature ; rdfs:label "Claim feature validation shape"@en ; sh:property [ sh:path ec:featureForCoverage ; sh:class pandc:Coverage ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "A claim feature must map to exactly one coverage." ] ; sh:property [ sh:path ec:featureForClaimant ; sh:class ec:ClaimPartyRole ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "A claim feature must map to exactly one claimant role." ] . ec:ClaimPaymentShape a sh:NodeShape ; sh:targetClass ins:ClaimPayment ; rdfs:label "Claim payment validation shape"@en ; sh:property [ sh:path ins:paymentOnClaim ; sh:class ins:Claim ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "A payment must be booked against exactly one claim." ] ; sh:property [ sh:path ins:payeeParty ; sh:class ins:Party ; sh:minCount 1 ; sh:message "A payment must name a payee." ] ; sh:property [ sh:path ins:paymentAmount ; sh:datatype xsd:decimal ; sh:minCount 1 ; sh:message "A payment must carry an amount." ] ; sh:property [ sh:path ins:paymentType ; sh:class ins:PaymentType ; sh:minCount 1 ; sh:message "A payment must be typed (indemnity, ALAE, ULAE)." ] . ec:ClaimPartyRoleShape a sh:NodeShape ; sh:targetClass ec:ClaimPartyRole ; rdfs:label "Claim party role validation shape"@en ; sh:property [ sh:path ec:rolePlayedByParty ; sh:class ins:Party ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "A claim role must be played by exactly one party." ] ; sh:property [ sh:path ec:roleStartDate ; sh:datatype xsd:dateTime ; sh:maxCount 1 ] . ec:FinancialTransactionShape a sh:NodeShape ; sh:targetClass ec:ClaimFinancialTransaction ; rdfs:label "Claim financial transaction shape"@en ; sh:property [ sh:path ec:transactionAmount ; sh:datatype xsd:decimal ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "Every financial transaction needs exactly one amount." ] ; sh:property [ sh:path ec:transactionDate ; sh:datatype xsd:dateTime ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "Every financial transaction needs a booking date." ] ; sh:property [ sh:path ec:transactionCurrency ; sh:class ins:CurrencyCode ; sh:minCount 1 ; sh:message "Monetary amounts must be currency-qualified (FIBO MonetaryAmount pattern)." ] . ec:LossEventShape a sh:NodeShape ; sh:targetClass ec:LossEvent ; rdfs:label "Loss event validation shape"@en ; sh:property [ sh:path ec:occurrenceDateTime ; sh:datatype xsd:dateTimeTime ; sh:minCount 1 ; sh:maxCount 1 ; sh:message "A loss event must have an occurrence date-time." ] .