@prefix ci: <https://ontology.inferal.com/modules/company-intelligence/> .
@prefix cmi: <https://ontology.inferal.com/modules/commercial-intelligence/> .
@prefix conf: <https://ontology.inferal.com/modules/confidence/> .
@prefix ex: <https://example.com/insurance-market/> .
@prefix insm: <https://ontology.inferal.com/modules/insurance-market/> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .

ex:placement-record a ci:Source ; rdfs:label "Placement record" .
ex:policy-record a ci:Source ; rdfs:label "Policy record" .
ex:binder-record a ci:Source ; rdfs:label "Delegated authority binder record" .
ex:market-register a ci:Source ; rdfs:label "Market register" .
ex:authority-instrument a ci:Source ; rdfs:label "Harbor-Atlas binding authority instrument" .

ex:washington a ci:Jurisdiction ; rdfs:label "Washington, United States" .
ex:oregon a ci:Jurisdiction ; rdfs:label "Oregon, United States" .

ex:acme-manufacturing a ci:EconomicEntity ; rdfs:label "Acme Manufacturing" .
ex:acme-operating a ci:EconomicEntity ; rdfs:label "Acme Operating Company" .
ex:acme-holdings a ci:EconomicEntity ; rdfs:label "Acme Holdings" .
ex:first-industrial-bank a ci:EconomicEntity ; rdfs:label "First Industrial Bank" .
ex:riskwise-brokers a ci:EconomicEntity ; rdfs:label "Riskwise Brokers" .
ex:atlas-mga a ci:EconomicEntity ; rdfs:label "Atlas MGA" .
ex:harbor-mutual a ci:EconomicEntity ; rdfs:label "Harbor Mutual" .
ex:northstar-insurance a ci:EconomicEntity ; rdfs:label "Northstar Insurance" .
ex:summit-re a ci:EconomicEntity ; rdfs:label "Summit Re" .

ex:property-offering
    a insm:InsuranceOffering ;
    rdfs:label "Manufacturing property offering" ;
    cmi:offeringDescription "Commercial property insurance for manufacturing operations." ;
    ci:source ex:placement-record .

ex:liability-offering
    a insm:InsuranceOffering ;
    rdfs:label "Manufacturing liability offering" ;
    cmi:offeringDescription "Commercial liability insurance for manufacturing operations." ;
    ci:source ex:placement-record .

ex:acme-2026-program-placement
    a insm:InsurancePlacement ;
    rdfs:label "Acme 2026 commercial insurance program placement" ;
    insm:placementOffering ex:property-offering, ex:liability-offering ;
    insm:resultingPolicy ex:acme-property-policy, ex:acme-liability-policy ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:source ex:placement-record .

ex:acme-property-policy
    a insm:InsurancePolicy ;
    rdfs:label "Acme property policy 2026" ;
    insm:policyIdentifier "HM-PROP-2026", "BROKER-PROP-8841" ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:source ex:policy-record .

ex:acme-liability-policy
    a insm:InsurancePolicy ;
    rdfs:label "Acme liability policy 2026" ;
    insm:policyIdentifier "HM-LIAB-2026" ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:source ex:policy-record .

ex:applicant-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:acme-manufacturing ; insm:roleType insm:ApplicantRole ; insm:roleContext ex:acme-2026-program-placement ; insm:jurisdiction ex:washington, ex:oregon ; ci:source ex:placement-record .
ex:broker-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:riskwise-brokers ; insm:roleType insm:BrokerRole ; insm:roleContext ex:acme-2026-program-placement ; insm:representedParty ex:acme-manufacturing ; insm:jurisdiction ex:washington, ex:oregon ; ci:confidenceAssessment ex:broker-assignment-confidence ; ci:source ex:placement-record .
ex:mga-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:atlas-mga ; insm:roleType insm:ManagingGeneralAgentRole ; insm:roleContext ex:acme-2026-program-placement ; insm:representedParty ex:harbor-mutual ; insm:jurisdiction ex:washington, ex:oregon ; ci:source ex:binder-record .
ex:policyholder-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:acme-manufacturing ; insm:roleType insm:PolicyholderRole ; insm:roleContext ex:acme-property-policy ; ci:source ex:policy-record .
ex:insured-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:acme-operating ; insm:roleType insm:InsuredRole ; insm:roleContext ex:acme-property-policy ; ci:source ex:policy-record .
ex:beneficiary-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:first-industrial-bank ; insm:roleType insm:BeneficiaryRole ; insm:roleContext ex:acme-property-policy ; ci:source ex:policy-record .
ex:payer-assignment a insm:InsuranceRoleAssignment ; insm:rolePlayer ex:acme-holdings ; insm:roleType insm:PayerRole ; insm:roleContext ex:acme-property-policy ; ci:source ex:policy-record .

ex:atlas-binding-authority
    a insm:DelegatedAuthority ;
    insm:authorityGrantor ex:harbor-mutual ;
    insm:authorityGrantee ex:atlas-mga ;
    insm:authorityInstrument ex:authority-instrument, ex:binder-record ;
    insm:authorizedAction insm:QuoteAction, insm:UnderwriteAction, insm:BindAction, insm:IssuePolicyAction ;
    insm:authorizedRole insm:ManagingGeneralAgentRole, insm:AgentRole ;
    insm:authorityScope "Manufacturing property and liability policies up to the instrument's stated limits." ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:validFrom "2026-01-01"^^xsd:date ;
    ci:validThrough "2026-12-31"^^xsd:date ;
    ci:confidenceAssessment ex:authority-confidence ;
    ci:source ex:binder-record .

ex:harbor-property-participation
    a insm:RiskParticipation ;
    insm:participatingParty ex:harbor-mutual ;
    insm:participationContext ex:acme-property-policy ;
    insm:riskRole insm:LeadInsurerRole ;
    insm:writtenShare 0.60 ;
    insm:retainedShare 0.60 ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:confidenceAssessment ex:property-participation-confidence ;
    ci:source ex:policy-record .

ex:northstar-property-participation
    a insm:RiskParticipation ;
    insm:participatingParty ex:northstar-insurance ;
    insm:participationContext ex:acme-property-policy ;
    insm:riskRole insm:FollowingInsurerRole ;
    insm:writtenShare 0.40 ;
    insm:retainedShare 0.40 ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:source ex:policy-record .

ex:harbor-liability-fronting
    a insm:RiskParticipation ;
    insm:participatingParty ex:harbor-mutual ;
    insm:participationContext ex:acme-liability-policy ;
    insm:riskRole insm:FrontingCarrierRole ;
    insm:writtenShare 1.00 ;
    insm:retainedShare 0.05 ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:source ex:policy-record .

ex:harbor-to-summit-transfer
    a insm:RiskTransfer ;
    insm:transferor ex:harbor-mutual ;
    insm:transferee ex:summit-re ;
    insm:transferContext ex:acme-liability-policy ;
    insm:transferredShare 0.95 ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:confidenceAssessment ex:transfer-confidence ;
    ci:source ex:policy-record .

ex:harbor-form-classification
    a insm:ParticipantClassification ;
    insm:classifiedParticipant ex:harbor-mutual ;
    insm:participantForm insm:MutualInsurerForm ;
    insm:jurisdiction ex:washington, ex:oregon ;
    ci:validFrom "2026-01-01"^^xsd:date ;
    ci:confidenceAssessment ex:classification-confidence ;
    ci:source ex:market-register .

ex:broker-assignment-confidence a conf:ConfidenceAssessment ; conf:assessmentTarget ex:broker-assignment ; conf:confidenceValue ex:broker-confidence-value .
ex:broker-confidence-value a conf:ProbabilityValue ; conf:scale conf:ProbabilityScale ; conf:score 0.98 .
ex:authority-confidence a conf:ConfidenceAssessment ; conf:assessmentTarget ex:atlas-binding-authority ; conf:confidenceValue ex:authority-confidence-value .
ex:authority-confidence-value a conf:ProbabilityValue ; conf:scale conf:ProbabilityScale ; conf:score 0.96 .
ex:property-participation-confidence a conf:ConfidenceAssessment ; conf:assessmentTarget ex:harbor-property-participation ; conf:confidenceValue ex:property-participation-confidence-value .
ex:property-participation-confidence-value a conf:ProbabilityValue ; conf:scale conf:ProbabilityScale ; conf:score 0.99 .
ex:transfer-confidence a conf:ConfidenceAssessment ; conf:assessmentTarget ex:harbor-to-summit-transfer ; conf:confidenceValue ex:transfer-confidence-value .
ex:transfer-confidence-value a conf:ProbabilityValue ; conf:scale conf:ProbabilityScale ; conf:score 0.93 .
ex:classification-confidence a conf:ConfidenceAssessment ; conf:assessmentTarget ex:harbor-form-classification ; conf:confidenceValue ex:classification-confidence-value .
ex:classification-confidence-value a conf:ProbabilityValue ; conf:scale conf:ProbabilityScale ; conf:score 0.97 .