@prefix : <https://ontology.inferal.com/modules/insurance-market/> .
@prefix ci: <https://ontology.inferal.com/modules/company-intelligence/> .
@prefix cmi: <https://ontology.inferal.com/modules/commercial-intelligence/> .
@prefix dcterms: <http://purl.org/dc/terms/> .
@prefix mod: <https://w3id.org/mod#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix prov: <http://www.w3.org/ns/prov#> .
@prefix pubacc: <https://ontology.inferal.com/modules/publication-access/> .
@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix vann: <http://purl.org/vocab/vann/> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .

:
    a owl:Ontology, pubacc:PublicationManagedOntology ;
    dcterms:accessRights pubacc:PublicAccess ;
    owl:imports ci: ;
    owl:imports cmi: ;
    owl:imports <http://www.w3.org/ns/prov> ;
    owl:imports <http://www.w3.org/2004/02/skos/core> ;
    dcterms:title "Insurance Market Ontology" ;
    dcterms:description "A jurisdiction-aware vocabulary for sourced insurance-market roles, placements, policies, delegated actions, risk participation, risk transfer, and participant classifications." ;
    dcterms:abstract "Insurance Market models buyer-side, intermediary, and risk-capacity participation as contextual assignments. It keeps a party's role separate from its organizational form, distinguishes written and retained participation from risk transfer, and records representation, delegated actions, jurisdiction, validity, provenance, and confidence explicitly." ;
    dcterms:license <https://creativecommons.org/licenses/by/4.0/> ;
    dcterms:references
        <https://spec.edmcouncil.org/fibo/ontology/FBC/ProductsAndServices/ClientsAndAccounts/> ,
        <https://spec.edmcouncil.org/fibo/ontology/SEC/Securities/Guaranty/> ,
        <https://www.acord.org/standards-architecture/acord-data-standards> ,
        <https://www.openidl.org/openids> ,
        <https://www.w3.org/TR/prov-o/> ,
        <https://www.w3.org/TR/skos-reference/> ;
    dcterms:source ci:, cmi:, <http://www.w3.org/ns/prov>, <http://www.w3.org/2004/02/skos/core> ;
    vann:preferredNamespacePrefix "insm" ;
    vann:preferredNamespaceUri "https://ontology.inferal.com/modules/insurance-market/" ;
    mod:status "draft" ;
    rdfs:comment "Insurance Market supplies a role-first integration layer for insurance buyers, intermediaries, risk participants, transfers, authority relationships, placements, and policies without replacing line-of-business, claims, or regulatory models." ;
    owl:versionInfo "0.1.0" .

:InsuranceRoleAssignment
    a rdfs:Class ;
    rdfs:subClassOf ci:Relationship ;
    rdfs:label "insurance role assignment" ;
    rdfs:comment "A sourced, contextual assignment of an insurance-market role to a party for a placement, policy, offering, authority relationship, or other insurance context." ;
    rdfs:isDefinedBy : .

:InsurancePlacement
    a rdfs:Class ;
    rdfs:subClassOf prov:Activity ;
    rdfs:label "insurance placement" ;
    rdfs:comment "An activity through which a buyer, intermediary, or other participant seeks, negotiates, arranges, renews, or binds insurance or reinsurance capacity." ;
    rdfs:isDefinedBy : .

:InsurancePolicy
    a rdfs:Class ;
    rdfs:subClassOf prov:Entity ;
    rdfs:label "insurance policy" ;
    rdfs:comment "A minimal policy anchor for the context in which market roles and risk-bearing participations apply; detailed coverage, premium, clause, and claims semantics are outside this module." ;
    rdfs:isDefinedBy : .

:InsuranceOffering
    a rdfs:Class ;
    rdfs:subClassOf cmi:ProductServiceOffering ;
    rdfs:label "insurance offering" ;
    rdfs:comment "A product or service offering through which insurance, reinsurance, placement, administration, or related market capability is made available." ;
    rdfs:isDefinedBy : .

:DelegatedAuthority
    a rdfs:Class ;
    rdfs:subClassOf ci:Relationship ;
    rdfs:label "delegated authority" ;
    rdfs:comment "An evidence-bearing relationship in which a grantor authorizes a grantee to perform specified insurance-market roles or actions under an authority instrument, scope, jurisdiction, and validity period." ;
    rdfs:isDefinedBy : .

:RiskParticipation
    a rdfs:Class ;
    rdfs:subClassOf ci:Relationship ;
    rdfs:label "risk participation" ;
    rdfs:comment "A sourced assignment of a party to an insurer, reinsurer, cedent, fronting, or other risk-capacity role for a placement or policy, with optional written and retained shares." ;
    rdfs:isDefinedBy : .

:RiskTransfer
    a rdfs:Class ;
    rdfs:subClassOf ci:Relationship ;
    rdfs:label "risk transfer" ;
    rdfs:comment "A sourced transfer of insurance risk from one party to another in a placement, policy, treaty, or other explicit context, with an optional known fractional share." ;
    rdfs:isDefinedBy : .

:ParticipantClassification
    a rdfs:Class ;
    rdfs:subClassOf prov:Entity ;
    rdfs:label "participant classification" ;
    rdfs:comment "An evidence-bearing assignment of an insurance-market participant to an organizational, ownership, regulatory, or market form concept." ;
    rdfs:isDefinedBy : .

:InsuranceRoleScheme
    a skos:ConceptScheme ;
    rdfs:label "insurance role scheme" ;
    rdfs:comment "Open concept scheme for customer-side, intermediary, administrative, and risk-bearing roles in an insurance context." ;
    skos:prefLabel "Insurance role scheme"@en ;
    skos:definition "Contextual roles played by parties in insurance and reinsurance markets."@en ;
    rdfs:isDefinedBy : .

:ParticipantFormScheme
    a skos:ConceptScheme ;
    rdfs:label "insurance participant form scheme" ;
    rdfs:comment "Open concept scheme for organizational, ownership, regulatory, and market forms of insurance participants, kept separate from contextual roles." ;
    skos:prefLabel "Insurance participant form scheme"@en ;
    skos:definition "Forms used to classify insurance-market participants independently from the roles they play."@en ;
    rdfs:isDefinedBy : .

:InsuranceActionScheme
    a skos:ConceptScheme ;
    rdfs:label "insurance action scheme" ;
    rdfs:comment "Open concept scheme for insurance-market actions that may be granted through delegated authority." ;
    skos:prefLabel "Insurance action scheme"@en ;
    skos:definition "Actions that a party may be authorized to perform in an insurance-market context."@en ;
    rdfs:isDefinedBy : .

:rolePlayer
    a rdf:Property ;
    rdfs:label "role player" ;
    rdfs:comment "Connects an insurance role assignment to the party that plays the assigned role." ;
    rdfs:domain :InsuranceRoleAssignment ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:roleType
    a rdf:Property ;
    rdfs:label "role type" ;
    rdfs:comment "Connects an insurance role assignment to the SKOS concept identifying the contextual role." ;
    rdfs:domain :InsuranceRoleAssignment ;
    rdfs:range skos:Concept ;
    rdfs:isDefinedBy : .

:roleContext
    a rdf:Property ;
    rdfs:label "role context" ;
    rdfs:comment "Connects an insurance role assignment to a policy, placement, offering, authority relationship, or other resource that bounds the assignment." ;
    rdfs:domain :InsuranceRoleAssignment ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:representedParty
    a rdf:Property ;
    rdfs:label "represented party" ;
    rdfs:comment "Identifies the party represented by the role player in this particular assignment; no represented side is inferred from a broker, agent, or intermediary role label alone." ;
    rdfs:domain :InsuranceRoleAssignment ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:jurisdiction
    a rdf:Property ;
    rdfs:label "has jurisdiction" ;
    rdfs:comment "Connects a role, placement, policy, authority, participation, or classification assertion to a relevant legal, regulatory, licensing, or market jurisdiction." ;
    rdfs:domain rdfs:Resource ;
    rdfs:range ci:Jurisdiction ;
    rdfs:isDefinedBy : .

:placementOffering
    a rdf:Property ;
    rdfs:label "placement offering" ;
    rdfs:comment "Connects an insurance placement to the insurance or reinsurance offering being sought or arranged." ;
    rdfs:domain :InsurancePlacement ;
    rdfs:range :InsuranceOffering ;
    rdfs:isDefinedBy : .

:resultingPolicy
    a rdf:Property ;
    rdfs:label "resulting policy" ;
    rdfs:comment "Connects an insurance placement to a policy produced or renewed through the placement activity." ;
    rdfs:domain :InsurancePlacement ;
    rdfs:range :InsurancePolicy ;
    rdfs:isDefinedBy : .

:policyIdentifier
    a rdf:Property ;
    rdfs:label "policy identifier" ;
    rdfs:comment "A source-local carrier, broker, market, or other system identifier for an insurance policy; multiple identifiers are permitted and no global uniqueness is implied." ;
    rdfs:domain :InsurancePolicy ;
    rdfs:range xsd:string ;
    rdfs:isDefinedBy : .

:authorityGrantor
    a rdf:Property ;
    rdfs:label "authority grantor" ;
    rdfs:comment "Connects a delegated-authority relationship to the party that grants the authority." ;
    rdfs:domain :DelegatedAuthority ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:authorityGrantee
    a rdf:Property ;
    rdfs:label "authority grantee" ;
    rdfs:comment "Connects a delegated-authority relationship to the party that receives the authority." ;
    rdfs:domain :DelegatedAuthority ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:authorityInstrument
    a rdf:Property ;
    rdfs:label "authority instrument" ;
    rdfs:comment "Connects delegated authority to the contract, binder, appointment, agreement, license, or other evidence-bearing instrument that records it." ;
    rdfs:domain :DelegatedAuthority ;
    rdfs:range ci:Source ;
    rdfs:isDefinedBy : .

:authorizedRole
    a rdf:Property ;
    rdfs:label "authorized role" ;
    rdfs:comment "Optionally connects delegated authority to an insurance role concept that further characterizes the capacity in which the grantee may act." ;
    rdfs:domain :DelegatedAuthority ;
    rdfs:range skos:Concept ;
    rdfs:isDefinedBy : .

:authorizedAction
    a rdf:Property ;
    rdfs:label "authorized action" ;
    rdfs:comment "Connects delegated authority to an insurance action concept identifying an operation the grantee is permitted to perform." ;
    rdfs:domain :DelegatedAuthority ;
    rdfs:range skos:Concept ;
    rdfs:isDefinedBy : .

:authorityScope
    a rdf:Property ;
    rdfs:label "authority scope" ;
    rdfs:comment "Human-readable boundary on delegated authority, such as a product, line, territory, limit, function, or class of business." ;
    rdfs:domain :DelegatedAuthority ;
    rdfs:range xsd:string ;
    rdfs:isDefinedBy : .

:participatingParty
    a rdf:Property ;
    rdfs:label "participating party" ;
    rdfs:comment "Connects a risk participation to the party playing the stated risk-capacity role." ;
    rdfs:domain :RiskParticipation ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:participationContext
    a rdf:Property ;
    rdfs:label "participation context" ;
    rdfs:comment "Connects a risk participation to the insurance placement or policy for which it applies." ;
    rdfs:domain :RiskParticipation ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:riskRole
    a rdf:Property ;
    rdfs:label "risk role" ;
    rdfs:comment "Connects a risk participation to the insurance role concept describing the party's risk-capacity role." ;
    rdfs:domain :RiskParticipation ;
    rdfs:range skos:Concept ;
    rdfs:isDefinedBy : .

:writtenShare
    a rdf:Property ;
    rdfs:label "written share" ;
    rdfs:comment "Known fractional share written by the participating party in the stated context, expressed as a decimal from zero through one; absence and incomplete totals are permitted for partial market views." ;
    rdfs:domain :RiskParticipation ;
    rdfs:range xsd:decimal ;
    rdfs:isDefinedBy : .

:retainedShare
    a rdf:Property ;
    rdfs:label "retained share" ;
    rdfs:comment "Known fractional share retained by the participating party after transfers, expressed as a decimal from zero through one and not greater than its written share when both are stated." ;
    rdfs:domain :RiskParticipation ;
    rdfs:range xsd:decimal ;
    rdfs:isDefinedBy : .

:transferor
    a rdf:Property ;
    rdfs:label "transferor" ;
    rdfs:comment "Connects a risk transfer to the party transferring or ceding risk." ;
    rdfs:domain :RiskTransfer ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:transferee
    a rdf:Property ;
    rdfs:label "transferee" ;
    rdfs:comment "Connects a risk transfer to the party accepting the transferred risk." ;
    rdfs:domain :RiskTransfer ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:transferContext
    a rdf:Property ;
    rdfs:label "transfer context" ;
    rdfs:comment "Connects a risk transfer to the placement, policy, treaty, agreement, or other resource that bounds the transfer." ;
    rdfs:domain :RiskTransfer ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:transferredShare
    a rdf:Property ;
    rdfs:label "transferred share" ;
    rdfs:comment "Known fractional share transferred from the transferor to the transferee in the stated context, expressed as a decimal from zero through one." ;
    rdfs:domain :RiskTransfer ;
    rdfs:range xsd:decimal ;
    rdfs:isDefinedBy : .

:classifiedParticipant
    a rdf:Property ;
    rdfs:label "classified participant" ;
    rdfs:comment "Connects a participant classification to the party being classified." ;
    rdfs:domain :ParticipantClassification ;
    rdfs:range rdfs:Resource ;
    rdfs:isDefinedBy : .

:participantForm
    a rdf:Property ;
    rdfs:label "participant form" ;
    rdfs:comment "Connects a participant classification to an organizational, ownership, regulatory, or market form concept." ;
    rdfs:domain :ParticipantClassification ;
    rdfs:range skos:Concept ;
    rdfs:isDefinedBy : .

# Customer-side roles

:ApplicantRole a skos:Concept ; rdfs:label "applicant role" ; rdfs:comment "Role of a party requesting or applying for insurance coverage." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :CustomerSideRole ; rdfs:isDefinedBy : .
:PolicyholderRole a skos:Concept ; rdfs:label "policyholder role" ; rdfs:comment "Role of a party that holds an insurance policy; this does not entail that the party is the insured, payer, beneficiary, or claimant." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :CustomerSideRole ; rdfs:isDefinedBy : .
:InsuredRole a skos:Concept ; rdfs:label "insured role" ; rdfs:comment "Role of a party whose person, property, liability, or other interest is treated as insured in a policy context." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :CustomerSideRole ; rdfs:isDefinedBy : .
:BeneficiaryRole a skos:Concept ; rdfs:label "beneficiary role" ; rdfs:comment "Role of a party designated to receive a policy benefit under applicable terms and events." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :CustomerSideRole ; rdfs:isDefinedBy : .
:PayerRole a skos:Concept ; rdfs:label "payer role" ; rdfs:comment "Role of a party responsible for paying premium or another policy-related amount in the stated context." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :CustomerSideRole ; rdfs:isDefinedBy : .
:ClaimantRole a skos:Concept ; rdfs:label "claimant role" ; rdfs:comment "Role of a party making or pursuing a claim in a policy context; detailed claim semantics are outside this module." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :CustomerSideRole ; rdfs:isDefinedBy : .
:CustomerSideRole a skos:Concept ; rdfs:label "customer-side role" ; rdfs:comment "Grouping concept for applicant, policyholder, insured, beneficiary, payer, and claimant roles." ; skos:inScheme :InsuranceRoleScheme ; rdfs:isDefinedBy : .

# Intermediary and administrative roles

:BrokerRole a skos:Concept ; rdfs:label "broker role" ; rdfs:comment "Intermediary role customarily described as broking insurance, with the represented party expressed separately on the contextual assignment." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :IntermediaryRole ; rdfs:isDefinedBy : .
:AgentRole a skos:Concept ; rdfs:label "agent role" ; rdfs:comment "Intermediary role customarily described as insurance agency, with representation and authority expressed by separate contextual assertions." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :IntermediaryRole ; rdfs:isDefinedBy : .
:ManagingGeneralAgentRole a skos:Concept ; rdfs:label "managing general agent role" ; rdfs:comment "Role of an intermediary performing delegated insurance functions commonly associated with a managing general agent, with actual authority represented by a delegated-authority assertion." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :IntermediaryRole ; rdfs:isDefinedBy : .
:CoverholderRole a skos:Concept ; rdfs:label "coverholder role" ; rdfs:comment "Role of a party permitted in a market context to perform specified insurance functions, with actual permission represented by a delegated-authority assertion." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :IntermediaryRole ; rdfs:isDefinedBy : .
:AdministratorRole a skos:Concept ; rdfs:label "administrator role" ; rdfs:comment "Role of a party administering policy, premium, claim, or related insurance operations without implying risk-bearing capacity." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :IntermediaryRole ; rdfs:isDefinedBy : .
:ReinsuranceIntermediaryRole a skos:Concept ; rdfs:label "reinsurance intermediary role" ; rdfs:comment "Intermediary role in arranging or advising on reinsurance placement or transfer." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :IntermediaryRole ; rdfs:isDefinedBy : .
:IntermediaryRole a skos:Concept ; rdfs:label "intermediary role" ; rdfs:comment "Grouping concept for insurance and reinsurance intermediary and administrative roles." ; skos:inScheme :InsuranceRoleScheme ; rdfs:isDefinedBy : .

# Risk-participation roles

:InsurerRole a skos:Concept ; rdfs:label "insurer role" ; rdfs:comment "Role of a party accepting primary insurance risk in the stated context." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :RiskParticipationRole ; rdfs:isDefinedBy : .
:ReinsurerRole a skos:Concept ; rdfs:label "reinsurer role" ; rdfs:comment "Role of a party accepting insurance risk transferred from another risk bearer." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :RiskParticipationRole ; rdfs:isDefinedBy : .
:CedentRole a skos:Concept ; rdfs:label "cedent role" ; rdfs:comment "Role of a party ceding insurance risk to a reinsurer in the stated context." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :RiskParticipationRole ; rdfs:isDefinedBy : .
:FrontingCarrierRole a skos:Concept ; rdfs:label "fronting carrier role" ; rdfs:comment "Role of a carrier issuing or supporting policy paper while transferring some or all economic risk under the stated arrangement." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :RiskParticipationRole ; rdfs:isDefinedBy : .
:CapacityProviderRole a skos:Concept ; rdfs:label "capacity provider role" ; rdfs:comment "General role of a party supplying underwriting or risk-bearing capacity in the stated context." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :RiskParticipationRole ; rdfs:isDefinedBy : .
:LeadInsurerRole a skos:Concept ; rdfs:label "lead insurer role" ; rdfs:comment "Role of a risk bearer acting as lead for a shared or syndicated placement." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :InsurerRole ; rdfs:isDefinedBy : .
:FollowingInsurerRole a skos:Concept ; rdfs:label "following insurer role" ; rdfs:comment "Role of a risk bearer participating behind a lead in a shared or syndicated placement." ; skos:inScheme :InsuranceRoleScheme ; skos:broader :InsurerRole ; rdfs:isDefinedBy : .
:RiskParticipationRole a skos:Concept ; rdfs:label "risk participation role" ; rdfs:comment "Grouping concept for insurer, reinsurer, cedent, fronting, capacity-provider, lead, and following roles; actual transfers are represented separately." ; skos:inScheme :InsuranceRoleScheme ; rdfs:isDefinedBy : .

# Participant forms

:StockInsurerForm a skos:Concept ; rdfs:label "stock insurer form" ; rdfs:comment "Participant form for an insurer organized with shareholder ownership, subject to the stated jurisdiction and source." ; skos:inScheme :ParticipantFormScheme ; rdfs:isDefinedBy : .
:MutualInsurerForm a skos:Concept ; rdfs:label "mutual insurer form" ; rdfs:comment "Participant form for an insurer organized on a mutual or policyholder-owned basis, subject to the stated jurisdiction and source." ; skos:inScheme :ParticipantFormScheme ; rdfs:isDefinedBy : .
:CaptiveInsurerForm a skos:Concept ; rdfs:label "captive insurer form" ; rdfs:comment "Participant form for an insurer established primarily to insure risks associated with its owner or related parties." ; skos:inScheme :ParticipantFormScheme ; rdfs:isDefinedBy : .
:RiskRetentionGroupForm a skos:Concept ; rdfs:label "risk retention group form" ; rdfs:comment "Participant form for a liability risk retention group under the applicable jurisdictional regime." ; skos:inScheme :ParticipantFormScheme ; rdfs:isDefinedBy : .
:ReciprocalExchangeForm a skos:Concept ; rdfs:label "reciprocal exchange form" ; rdfs:comment "Participant form for a reciprocal or inter-insurance exchange, subject to the applicable jurisdictional definition." ; skos:inScheme :ParticipantFormScheme ; rdfs:isDefinedBy : .
:LloydsSyndicateForm a skos:Concept ; rdfs:label "Lloyd's syndicate form" ; rdfs:comment "Market form for a Lloyd's syndicate; classification does not assert that the syndicate is a legal person or intrinsic insurer class." ; skos:inScheme :ParticipantFormScheme ; rdfs:isDefinedBy : .

# Authorized insurance actions

:QuoteAction a skos:Concept ; rdfs:label "quote action" ; rdfs:comment "Action of preparing or communicating an insurance quotation within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:UnderwriteAction a skos:Concept ; rdfs:label "underwrite action" ; rdfs:comment "Action of evaluating and selecting insurance risk within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:BindAction a skos:Concept ; rdfs:label "bind action" ; rdfs:comment "Action of committing insurance coverage within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:IssuePolicyAction a skos:Concept ; rdfs:label "issue policy action" ; rdfs:comment "Action of issuing insurance policy documentation within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:CollectPremiumAction a skos:Concept ; rdfs:label "collect premium action" ; rdfs:comment "Action of collecting insurance premium or related amounts within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:AdministerPolicyAction a skos:Concept ; rdfs:label "administer policy action" ; rdfs:comment "Action of administering an insurance policy within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:AdjustClaimAction a skos:Concept ; rdfs:label "adjust claim action" ; rdfs:comment "Action of investigating, evaluating, or adjusting an insurance claim within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .
:SettleClaimAction a skos:Concept ; rdfs:label "settle claim action" ; rdfs:comment "Action of agreeing or paying a claim settlement within delegated limits." ; skos:inScheme :InsuranceActionScheme ; rdfs:isDefinedBy : .