@prefix : <https://ontology.inferal.com/modules/insurance-market/> .
@prefix dcterms: <http://purl.org/dc/terms/> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix pubacc: <https://ontology.inferal.com/modules/publication-access/> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix vann: <http://purl.org/vocab/vann/> .

<https://ontology.inferal.com/modules/insurance-market/owl>
    a owl:Ontology, pubacc:PublicationManagedOntology ;
    dcterms:accessRights pubacc:PublicAccess ;
    owl:imports : ;
    dcterms:title "Insurance Market Ontology OWL addendum" ;
    dcterms:description "Modest OWL typing for Insurance Market classes, properties, and named scheme resources. Role overlap, representation, authority, and cardinality remain explicit data or SHACL concerns." ;
    dcterms:license <https://creativecommons.org/licenses/by/4.0/> ;
    dcterms:source : ;
    vann:preferredNamespacePrefix "insm" ;
    vann:preferredNamespaceUri "https://ontology.inferal.com/modules/insurance-market/" ;
    rdfs:comment "This addendum intentionally declares no role equivalence, disjointness, functional property, inverse-functional property, or closed-world participation-total axiom." ;
    owl:versionInfo "0.1.0" .

:InsuranceRoleAssignment a owl:Class .
:InsurancePlacement a owl:Class .
:InsurancePolicy a owl:Class .
:InsuranceOffering a owl:Class .
:DelegatedAuthority a owl:Class .
:RiskParticipation a owl:Class .
:RiskTransfer a owl:Class .
:ParticipantClassification a owl:Class .

:rolePlayer a owl:ObjectProperty .
:roleType a owl:ObjectProperty .
:roleContext a owl:ObjectProperty .
:representedParty a owl:ObjectProperty .
:jurisdiction a owl:ObjectProperty .
:placementOffering a owl:ObjectProperty .
:resultingPolicy a owl:ObjectProperty .
:authorityGrantor a owl:ObjectProperty .
:authorityGrantee a owl:ObjectProperty .
:authorityInstrument a owl:ObjectProperty .
:authorizedRole a owl:ObjectProperty .
:authorizedAction a owl:ObjectProperty .
:participatingParty a owl:ObjectProperty .
:participationContext a owl:ObjectProperty .
:riskRole a owl:ObjectProperty .
:transferor a owl:ObjectProperty .
:transferee a owl:ObjectProperty .
:transferContext a owl:ObjectProperty .
:classifiedParticipant a owl:ObjectProperty .
:participantForm a owl:ObjectProperty .

:policyIdentifier a owl:DatatypeProperty .
:authorityScope a owl:DatatypeProperty .
:writtenShare a owl:DatatypeProperty .
:retainedShare a owl:DatatypeProperty .
:transferredShare a owl:DatatypeProperty .

:InsuranceRoleScheme a owl:NamedIndividual .
:ParticipantFormScheme a owl:NamedIndividual .
:InsuranceActionScheme a owl:NamedIndividual .
:ApplicantRole a owl:NamedIndividual .
:PolicyholderRole a owl:NamedIndividual .
:InsuredRole a owl:NamedIndividual .
:BeneficiaryRole a owl:NamedIndividual .
:PayerRole a owl:NamedIndividual .
:ClaimantRole a owl:NamedIndividual .
:CustomerSideRole a owl:NamedIndividual .
:BrokerRole a owl:NamedIndividual .
:AgentRole a owl:NamedIndividual .
:ManagingGeneralAgentRole a owl:NamedIndividual .
:CoverholderRole a owl:NamedIndividual .
:AdministratorRole a owl:NamedIndividual .
:ReinsuranceIntermediaryRole a owl:NamedIndividual .
:IntermediaryRole a owl:NamedIndividual .
:InsurerRole a owl:NamedIndividual .
:ReinsurerRole a owl:NamedIndividual .
:CedentRole a owl:NamedIndividual .
:FrontingCarrierRole a owl:NamedIndividual .
:CapacityProviderRole a owl:NamedIndividual .
:LeadInsurerRole a owl:NamedIndividual .
:FollowingInsurerRole a owl:NamedIndividual .
:RiskParticipationRole a owl:NamedIndividual .
:StockInsurerForm a owl:NamedIndividual .
:MutualInsurerForm a owl:NamedIndividual .
:CaptiveInsurerForm a owl:NamedIndividual .
:RiskRetentionGroupForm a owl:NamedIndividual .
:ReciprocalExchangeForm a owl:NamedIndividual .
:LloydsSyndicateForm a owl:NamedIndividual .
:QuoteAction a owl:NamedIndividual .
:UnderwriteAction a owl:NamedIndividual .
:BindAction a owl:NamedIndividual .
:IssuePolicyAction a owl:NamedIndividual .
:CollectPremiumAction a owl:NamedIndividual .
:AdministerPolicyAction a owl:NamedIndividual .
:AdjustClaimAction a owl:NamedIndividual .
:SettleClaimAction a owl:NamedIndividual .