SkillsLib.ai

P&I Claims Triage & Liability Analysis

Transform maritime claims into structured P&I liability assessments instantly

4.0(3 reviews)
100+ downloads
Updated Sep 2026

What You Can Do

You synthesize maritime incident reports, policy documents, and witness statements into a structured P&I liability assessment that quantifies fault exposure, identifies applicable coverage, and recommends reserve amounts. The skill cross-references policy clauses, compares your claim to historical precedents, and flags regulatory notification requirements by jurisdiction.

Features

Incident Synopsis Generator

Extract and structure key facts from freeform incident reports—vessel details, timeline, causation factors, and environmental conditions—into a standardized incident summary.

Policy Coverage Analyzer

Cross-reference incident facts against policy provisions to determine applicable coverage, identify exclusions, and flag coverage gaps or ambiguities requiring underwriter review.

Liability Exposure Quantifier

Assess comparative fault percentages by weighing witness testimony, vessel logs, and regulatory findings; output confidence scores and alternative liability scenarios.

Reserve Recommendation Engine

Calculate suggested reserve ranges based on incident severity, jurisdiction, comparable historical claims, and applicable legal multipliers (e.g., US vs. Singapore law).

Witness Testimony Synthesizer

Extract and corroborate key statements across multiple witness accounts; highlight contradictions and assess credibility by witness role and expertise.

Regulatory Compliance Checker

Identify mandatory notifications—flag TSB-reportable incidents (Canada), class society notifications, and P&I underwriting requirements by jurisdiction.

Subrogation Opportunity Scorer

Identify third-party defendants, assess recovery probability based on comparative fault, and estimate subrogation or salvage value.

Risk Factor Classifier

Categorize claim exposure by type (collision, allision, cargo damage, injury), flag high-risk factors (poor maintenance, crew negligence), and apply jurisdiction-specific risk multipliers.

Example Output

code
INCIDENT SUMMARY
Vessel: MV Pacific Dawn | Date: 2024-11-15 | Type: Collision
Location: Singapore Strait | Parties: Your vessel vs. foreign container ship
Key Facts: Navigation error during fog; radar maintenance overdue; 3 crew injuries

LIABILITY ASSESSMENT
Estimated Comparative Fault: 70% (our vessel) | 30% (third party)
Confidence: High (corroborated by VDR data and 4/5 witness statements)
Primary Causation: Failed radar maintenance + navigation error; weather secondary

COVERAGE DETERMINATION
✓ COVERED — General Liability (Clause 3A) | Policy active at incident date
✓ COVERED — Crew Injury (Clause 5B) | Subject to deductible $25K per occurrence
✗ EXCLUDED — Willful negligence (Clause 7C, N/A here)

RECOMMENDED RESERVE
Estimate Range: $275K – $380K USD
Median Comparable (6 recent Singapore collisions): $320K
Jurisdiction Multiplier: 1.1x (Singapore courts favor cargo claimants)
Recommended Action: Set reserve at $320K; monitor medical claims for crew

REGULATORY ALERTS
[✓] TSB Notification Required (vessel flagged Canada)
[✓] Class Society Notice (ABS investigation likely)
[✗] P&I Underwriting Review – Premium adjustment anticipated

SUBROGATION OPPORTUNITY
Third Party: Foreign container vessel | Estimated Liability: 30%
Recovery Probability: Moderate (70%) | Estimated Recovery Value: $96K–$114K

What's Included

  • Incident Data Normalizer: Templates and structured fields for standardizing incident reports regardless of format—police reports, vessel master statements, or ISM documentation.
  • Policy Clause Index: Cross-references policy language against incident facts; identifies and cites applicable coverage provisions and exclusions with confidence scores.
  • Liability Scoring Rubric: Quantifies fault using maritime negligence standards; weights evidence by credibility (vessel logs > witness statements > third-party claims).
  • Reserve Calculator: Suggests reserve ranges calibrated to comparable historical claims and jurisdiction-specific legal multipliers.
  • Regulatory Checklist: Flags TSB-reportable incidents, class society notifications, and P&I underwriting requirements by incident type and vessel flag.

Who It's For

  • P&I Claims Adjusters
  • Maritime Risk Managers
  • In-House Maritime Counsel
  • P&I Underwriting Teams
  • Marine Insurance Brokers

Best For

  • Initial Claims Triage and Priority Assessment
  • Reserve Setting and Claims Funding Decisions
  • Coverage Determination and Policy Interpretation
  • Subrogation Opportunity Identification
  • Settlement Negotiation Preparation

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