> ## Documentation Index
> Fetch the complete documentation index at: https://docs.axiomancer.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Insurance underwriting

> Claims prediction, comparable vessel pools, premium adjustment factors, and methodology endpoints for maritime insurance underwriting and portfolio analytics.

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.

## `GET` `/api/v1/insurance/claims-prediction`

<Note>Requires API key.</Note>

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**

| Name  | Type   | Required | Description        |
| ----- | ------ | -------- | ------------------ |
| `imo` | string | ✓        | 7-digit IMO number |

**Response**

```json theme={null}
{
  "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**

```bash theme={null}
curl -H "X-API-Key: YOUR_KEY" \
  "https://axiomoverwatch.io/api/v1/insurance/claims-prediction?imo=9622629"
```

## `GET` `/api/v1/insurance/comparable-pool`

<Note>Requires API key.</Note>

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**

| Name    | Type   | Required | Description                               |
| ------- | ------ | -------- | ----------------------------------------- |
| `imo`   | string | ✓        | 7-digit IMO number                        |
| `limit` | number |          | Number of comparable vessels. Default 50. |

**Response**

```json theme={null}
{
  "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**

```bash theme={null}
curl -H "X-API-Key: YOUR_KEY" \
  "https://axiomoverwatch.io/api/v1/insurance/comparable-pool?imo=9622629&limit=50"
```

## `GET` `/api/v1/insurance/premium-adjustment`

<Note>Requires API key.</Note>

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**

| Name  | Type   | Required | Description        |
| ----- | ------ | -------- | ------------------ |
| `imo` | string | ✓        | 7-digit IMO number |

**Response**

```json theme={null}
{
  "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**

```bash theme={null}
curl -H "X-API-Key: YOUR_KEY" \
  "https://axiomoverwatch.io/api/v1/insurance/premium-adjustment?imo=9622629"
```

## `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**

```bash theme={null}
curl https://axiomoverwatch.io/api/v1/insurance/methodology
```