P&I Claims Triage & Liability Analysis
Transform maritime claims into structured P&I liability assessments instantly
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
Extract and structure key facts from freeform incident reports—vessel details, timeline, causation factors, and environmental conditions—into a standardized incident summary.
Cross-reference incident facts against policy provisions to determine applicable coverage, identify exclusions, and flag coverage gaps or ambiguities requiring underwriter review.
Assess comparative fault percentages by weighing witness testimony, vessel logs, and regulatory findings; output confidence scores and alternative liability scenarios.
Calculate suggested reserve ranges based on incident severity, jurisdiction, comparable historical claims, and applicable legal multipliers (e.g., US vs. Singapore law).
Extract and corroborate key statements across multiple witness accounts; highlight contradictions and assess credibility by witness role and expertise.
Identify mandatory notifications—flag TSB-reportable incidents (Canada), class society notifications, and P&I underwriting requirements by jurisdiction.
Identify third-party defendants, assess recovery probability based on comparative fault, and estimate subrogation or salvage value.
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
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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