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@ontoboom/insurance

Insurance (P&C + Life), aligned with the ACORD reference model: parties and roles, policies and coverages, insurable objects, the quote→bind underwriting pipeline, premium / billing / commission, and the full claims lifecycle (loss event → claim → reserve → settlement → subrogation/salvage). Built for agents that need to reason over policy and claim data without per-carrier schema gymnastics.

45
Classes
44
Object properties
54
Data properties
0
Individuals

Connect this ontology

● Checking…
MCP endpoint
https://mcp.ontoboom.com/o/@ontoboom/insurance@0.1.0
{
  "mcpServers": {
    "ontoboom": {
      "url": "https://mcp.ontoboom.com/o/@ontoboom/insurance@0.1.0",
      "transport": "sse"
    }
  }
}

Two manifest-derived tools are exposed in this iteration:list_entities anddescribe_entity. More tools (find_relationship, enumerate_values) ship as followups.

README

@ontoboom/insurance

A property-and-casualty + life insurance ontology whose entity and role vocabulary follows the ACORD reference information model, so it maps cleanly onto ACORD-based carrier and broker systems.

Not affiliated. This is an independently authored ontology aligned with / inspired by the ACORD standards. It is not an official ACORD artifact and is not affiliated with, sponsored by, or endorsed by ACORD. "ACORD" is a trademark of its respective owner.

Coverage

  • Party / PartyRole — the ACORD party-plus-role pattern: Person / Organization (incl. Agency) play roles such as Policyholder, InsuredParty, Beneficiary, Claimant, Producer, Insurer, Underwriter, Adjuster.
  • Policy (Insurance Agreement) sub-classed by line of business — AutoPolicy, PropertyPolicy, LifePolicy, CommercialPolicy — with PolicyPeriod, Coverage, CoverageLimit, Deductible, Endorsement.
  • InsurableObject — Vehicle, Building, Watercraft (the life insured is carried via the InsuredParty role).
  • Underwriting pipeline — Submission → Application → Quote → bind, with UnderwritingDecision and RiskAssessment.
  • Financial — Premium, BillingAccount, Invoice, Payment (+ ClaimPayment), Commission.
  • Claims — LossEvent, Claim, ClaimLine, Reserve, Settlement, Subrogation, Salvage.

SHACL highlights

  • Policy.policyNumber required; Policy.lineOfBusiness enumerated auto | property | life | liability | commercial | health | workers-comp.
  • Policy.status enumerated quoted | bound | active | lapsed | cancelled | expired | non-renewed.
  • Claim.status enumerated open | under-review | approved | denied | closed | reopened.
  • All monetary amounts (premium, limit, deductible, reserve, payment / claim amounts) are >= 0; currency fields match ^[A-Z]{3}$ (ISO 4217).
  • Vehicle.vin matches the 17-char ISO 3779 VIN pattern.
  • Effective/expiration dates and the playedBy link from every role to a Party are required where the model depends on them.

Forking

For a monoline carrier, fork and drop the policy sub-classes you don't write. For reinsurance or surplus lines, extend Policy with treaty / layer structures and add a Reinsurer role under PartyRole.

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