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Use Overwatch risk intelligence to inform marine insurance underwriting decisions. These endpoints combine vessel risk scores, PSC inspection history, dark fleet activity, and sanctions exposure into actuarial-grade outputs.

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GET /api/v1/insurance/claims-prediction

Requires API key.
Predict the claims probability for a vessel based on its risk profile, age, inspection history, and dark fleet involvement. Returns a probability score and the contributing risk factors. Parameters
NameTypeRequiredDescription
imostring✓7-digit IMO number
Response 
{
  "imo": "9622629",
  "vessel": {
    "name": "MV Meridian",
    "vessel_type": "Bulk Carrier",
    "build_year": 2012,
    "risk_score": 42,
    "risk_tier": "medium"
  },
  "claims_probability": 0.18,
  "risk_factors": {
    "age_bucket": "10-15y",
    "psc_detained_12m": false,
    "psc_deficiency_count_12m": 3,
    "sanctions_match": false,
    "dark_events_90d": 1,
    "incident_proxy": false
  },
  "tier": "pro"
}
Example 
curl -H "X-API-Key: YOUR_KEY" \
  "https://axiomoverwatch.io/api/v1/insurance/claims-prediction?imo=9622629"

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GET /api/v1/insurance/comparable-pool

Requires API key.
Find comparable vessels for benchmarking — same type, similar age and DWT range — and see how the focal vessel’s risk profile compares to the pool. Parameters
NameTypeRequiredDescription
imostring✓7-digit IMO number
limitnumberNumber of comparable vessels. Default 50.
Response 
{
  "focal": {
    "imo_number": "9622629",
    "name": "MV Meridian",
    "vessel_type": "Bulk Carrier",
    "build_year": 2012,
    "risk_score": 42,
    "risk_tier": "medium"
  },
  "pool": [
    {
      "imo_number": "9700012",
      "name": "Pacific Trader",
      "build_year": 2013,
      "risk_score": 28,
      "risk_tier": "low"
    }
  ],
  "pool_stats": {
    "count": 48,
    "median_risk_score": 31,
    "mean_risk_score": 34.2,
    "percentile_rank": 72
  },
  "tier": "pro"
}
Example 
curl -H "X-API-Key: YOUR_KEY" \
  "https://axiomoverwatch.io/api/v1/insurance/comparable-pool?imo=9622629&limit=50"

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GET /api/v1/insurance/premium-adjustment

Requires API key.
Calculate a premium adjustment factor for a vessel. The factor is based on the vessel’s risk score, sanctions exposure, PSC inspection history, and dark fleet activity. A factor above 1.0 suggests a premium increase; below 1.0 suggests a discount. Parameters
NameTypeRequiredDescription
imostring✓7-digit IMO number
Response 
{
  "imo": "9622629",
  "vessel": {
    "name": "MV Meridian",
    "risk_score": 42,
    "risk_tier": "medium",
    "build_year": 2012
  },
  "premium_adjustment_factor": 1.15,
  "factors": {
    "risk_score_contribution": 0.08,
    "sanctions_contribution": 0.0,
    "psc_contribution": 0.04,
    "dark_events_contribution": 0.03
  },
  "tier": "pro"
}
Example 
curl -H "X-API-Key: YOUR_KEY" \
  "https://axiomoverwatch.io/api/v1/insurance/premium-adjustment?imo=9622629"

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GET /api/v1/insurance/methodology

Returns documentation on how claims probabilities and premium adjustment factors are computed, including the input features, model type, and validation approach. Example 
curl https://axiomoverwatch.io/api/v1/insurance/methodology