An open knowledge graph of precise definitions, clauses, coverages, regulations and risk engineering knowledge – expert-reviewed, with typed relations throughout, accessible as structured data for humans and AI systems.
FIDA (Financial Data Access) is the EU regulation proposal that extends open finance to the insurance sector: customers gain a right to access their financial and insurance data, and data holders must provide it through standardised APIs.
The 72 Hours Clause defines a 72-hour window for windstorm, earthquake or similar natural perils within which multiple individual losses are treated as a single occurrence for the purposes of the deductible and the maximum indemnity.
The abstract referral clause allows a disability insurer to refer the insured to another reasonable occupation when a claim arises, even if that occupation is not actually being performed.
Access control system records the method by which entry to a location or to sensitive areas within it (server rooms, cash offices, hazardous storage) is restricted and logged, as queried in property and cyber insurance proposal forms to assess unauthorised-access exposure.
The access to records clause grants the reinsurer the right to inspect the cedent's books, files and claims records in order to verify cessions and claims handling.
Accident insurance pays a benefit when a sudden, externally acting event causes involuntary bodily injury to the insured person, regardless of where the event occurs.