@prefix owl:     <http://www.w3.org/2002/07/owl#> .
@prefix rdf:     <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix rdfs:    <http://www.w3.org/2000/01/rdf-schema#> .
@prefix xsd:     <http://www.w3.org/2001/XMLSchema#> .
@prefix skos:    <http://www.w3.org/2004/02/skos/core#> .
@prefix dcterms: <http://purl.org/dc/terms/> .
@prefix arch:    <https://meta.linked.archi/core#> .
@prefix edgy:    <https://meta.linked.archi/edgy/onto#> .
@prefix edgyrd:  <https://meta.linked.archi/edgy/reference-data#> .
@prefix edgyvp:  <https://meta.linked.archi/edgy/viewpoints#> .
@prefix :        <https://meta.linked.archi/examples/meridian/> .

#################################################################
# Model Declaration
#################################################################

:MeridianModel
    a                          arch:Model ;
    skos:prefLabel             "Meridian Insurance Group — Enterprise Design Model"@en ;
    arch:modelConformsToMetamodel <https://meta.linked.archi/edgy/metamodel#EDGY23> ;
    dcterms:created            "2025-06-27"^^xsd:date ;
    dcterms:creator            "Kalin Maldzhanski"^^xsd:string ;
    dcterms:description        "EDGY 23 enterprise design model for Meridian Insurance Group — a multinational P&C insurer operating across 12 European markets."@en ;
.


#################################################################
# People
#################################################################

:Policyholder
    a              edgy:People ;
    skos:prefLabel "Policyholder"@en ;
    skos:definition "Individual or business customer holding one or more insurance policies."@en ;
.

:InsuranceAgent
    a              edgy:People ;
    skos:prefLabel "Insurance Agent"@en ;
    skos:definition "Licensed intermediary who sells and services policies on behalf of Meridian."@en ;
.

:ClaimsAdjuster
    a              edgy:People ;
    skos:prefLabel "Claims Adjuster"@en ;
    skos:definition "Specialist who investigates, evaluates, and settles insurance claims."@en ;
.

:Underwriter
    a              edgy:People ;
    skos:prefLabel "Underwriter"@en ;
    skos:definition "Risk specialist who evaluates applications and determines coverage terms and pricing."@en ;
.


#################################################################
# Identity Facet — Purpose, Story, Content
#################################################################

:ProtectWhatMatters
    a              edgy:Purpose ;
    skos:prefLabel "Protect What Matters"@en ;
    skos:definition "Meridian exists to give people and businesses confidence that what matters most to them is protected."@en ;
.

:FromMutualToDigital
    a              edgy:Story ;
    skos:prefLabel "From Mutual to Digital"@en ;
    skos:definition "A 120-year mutual insurer becoming a digital-first, customer-centric group while preserving its community roots."@en ;
.

:RiskPreventionAdvice
    a              edgy:Content ;
    skos:prefLabel "Risk Prevention Advice"@en ;
    skos:definition "Educational content helping policyholders prevent claims through proactive risk management."@en ;
.


#################################################################
# Architecture Facet — Capability, Process, Asset
#################################################################

## Level-1 Capabilities
:Underwriting
    a              edgy:Capability ;
    skos:prefLabel "Underwriting"@en ;
    skos:definition "The ability to evaluate risk, determine coverage terms, and price policies."@en ;
.

:ClaimsManagement
    a              edgy:Capability ;
    skos:prefLabel "Claims Management"@en ;
    skos:definition "The ability to receive, assess, process, and settle insurance claims efficiently and fairly."@en ;
.

:PolicyAdministration
    a              edgy:Capability ;
    skos:prefLabel "Policy Administration"@en ;
    skos:definition "The ability to manage the full policy lifecycle from quote through renewal."@en ;
.

:CustomerService
    a              edgy:Capability ;
    skos:prefLabel "Customer Service"@en ;
    skos:definition "The ability to respond to customer enquiries and resolve issues across all channels."@en ;
.

:DistributionManagement
    a              edgy:Capability ;
    skos:prefLabel "Distribution Management"@en ;
    skos:definition "The ability to manage agent networks, digital channels, and partner distribution."@en ;
.

:FraudPrevention
    a              edgy:Capability ;
    skos:prefLabel "Fraud Prevention"@en ;
    skos:definition "The ability to detect, investigate, and prevent fraudulent claims and applications."@en ;
.

## Level-2 Capabilities (Claims Management decomposition)
:FNOL
    a              edgy:Capability ;
    skos:prefLabel "First Notice of Loss"@en ;
    skos:definition "The ability to capture initial claim notifications across all channels within minutes."@en ;
.

:ClaimsAssessmentCap
    a              edgy:Capability ;
    skos:prefLabel "Claims Assessment"@en ;
    skos:definition "The ability to investigate, evaluate, and determine claim validity and value."@en ;
.

:Settlement
    a              edgy:Capability ;
    skos:prefLabel "Settlement"@en ;
    skos:definition "The ability to calculate, approve, and disburse claim payments."@en ;
.

## Level-2 Capabilities (Underwriting decomposition)
:RiskAssessment
    a              edgy:Capability ;
    skos:prefLabel "Risk Assessment"@en ;
    skos:definition "The ability to evaluate and quantify risk for individual applications."@en ;
.

:Pricing
    a              edgy:Capability ;
    skos:prefLabel "Pricing"@en ;
    skos:definition "The ability to calculate premiums based on risk profile and market conditions."@en ;
.

## Processes
:ClaimsAssessmentProcess
    a              edgy:Process ;
    skos:prefLabel "Claims Assessment Process"@en ;
    skos:definition "The sequence of activities from FNOL through investigation, evaluation, to settlement decision."@en ;
.

:UnderwritingProcess
    a              edgy:Process ;
    skos:prefLabel "Underwriting Process"@en ;
    skos:definition "The sequence of activities from application receipt through risk evaluation to policy issuance."@en ;
.

:RenewalProcess
    a              edgy:Process ;
    skos:prefLabel "Renewal Process"@en ;
    skos:definition "Annual process of re-evaluating risk, adjusting terms, and renewing policies."@en ;
.

## Assets
:FraudDetectionEngine
    a              edgy:Asset ;
    skos:prefLabel "Fraud Detection Engine"@en ;
    skos:definition "AI-powered system that scores claims for fraud probability in real-time."@en ;
.

:CustomerDataPlatform
    a              edgy:Asset ;
    skos:prefLabel "Customer Data Platform"@en ;
    skos:definition "Unified customer data store consolidating policy, claims, and interaction history across all markets."@en ;
.

:ClaimsWorkflowSystem
    a              edgy:Asset ;
    skos:prefLabel "Claims Workflow System"@en ;
    skos:definition "BPM system orchestrating claims processing steps, assignments, and SLA tracking."@en ;
.

:PolicyAdminSystem
    a              edgy:Asset ;
    skos:prefLabel "Policy Administration System"@en ;
    skos:definition "Core system managing policy lifecycle from quote to renewal across all product lines."@en ;
.

:ActuarialPricingEngine
    a              edgy:Asset ;
    skos:prefLabel "Actuarial Pricing Engine"@en ;
    skos:definition "Statistical modelling system calculating risk-based premiums using historical loss data."@en ;
.


#################################################################
# Experience Facet — Task, Journey, Channel
#################################################################

:FileAClaim
    a              edgy:Task ;
    skos:prefLabel "File a Claim"@en ;
    skos:definition "Report an incident and receive fair compensation quickly."@en ;
.

:GetInsured
    a              edgy:Task ;
    skos:prefLabel "Get Insured"@en ;
    skos:definition "Find the right coverage for my situation at a fair price."@en ;
.

:TrackClaimProgress
    a              edgy:Task ;
    skos:prefLabel "Track Claim Progress"@en ;
    skos:definition "Know the current status of my claim at any time through any available channel."@en ;
.

:ReceivePayment
    a              edgy:Task ;
    skos:prefLabel "Receive Payment"@en ;
    skos:definition "Get the settlement amount paid into my account promptly."@en ;
.

:RenewMyPolicy
    a              edgy:Task ;
    skos:prefLabel "Renew My Policy"@en ;
    skos:definition "Review and renew my insurance coverage at the best available terms."@en ;
.

:ClaimsJourney
    a              edgy:Journey ;
    skos:prefLabel "Claims Journey"@en ;
    skos:definition "End-to-end experience from incident occurrence through notification, assessment, and settlement."@en ;
.

:PurchaseJourney
    a              edgy:Journey ;
    skos:prefLabel "Purchase Journey"@en ;
    skos:definition "The experience from awareness through comparison, quote, purchase, to policy activation."@en ;
.

:RenewalJourney
    a              edgy:Journey ;
    skos:prefLabel "Renewal Journey"@en ;
    skos:definition "Annual experience of reviewing coverage, comparing options, and renewing the policy."@en ;
.

:MobileApp
    a              edgy:Channel ;
    skos:prefLabel "Mobile App"@en ;
    skos:definition "Meridian's mobile application for policy management, claims filing, and self-service."@en ;
.

:CustomerPortal
    a              edgy:Channel ;
    skos:prefLabel "Customer Portal"@en ;
    skos:definition "Web-based self-service portal for policy management, documents, and claims tracking."@en ;
.

:AgentNetwork
    a              edgy:Channel ;
    skos:prefLabel "Agent Network"@en ;
    skos:definition "Network of 8,000 licensed agents across 12 European markets providing face-to-face advice."@en ;
.

:CallCentre
    a              edgy:Channel ;
    skos:prefLabel "Call Centre"@en ;
    skos:definition "24/7 multilingual telephone support for claims, enquiries, and emergency assistance."@en ;
.


#################################################################
# Intersection Elements — Organisation, Product, Brand
#################################################################

:MeridianGroup
    a              edgy:Organisation ;
    skos:prefLabel "Meridian Insurance Group"@en ;
    skos:definition "Multinational insurance group headquartered in Zurich, operating in 12 European markets with 15,000 employees and 8 million policyholders."@en ;
.

:MeridianNordics
    a              edgy:Organisation ;
    skos:prefLabel "Meridian Nordics"@en ;
    skos:definition "Regional operating company covering Sweden, Norway, Denmark, and Finland."@en ;
.

:ClaimsOperations
    a              edgy:Organisation ;
    skos:prefLabel "Claims Operations"@en ;
    skos:definition "Group-wide claims processing organisation with regional hubs and a shared service centre."@en ;
.

:HomeInsurance
    a              edgy:Product ;
    skos:prefLabel "Home Insurance"@en ;
    skos:definition "Property insurance covering buildings, contents, and liability for residential customers."@en ;
.

:MotorInsurance
    a              edgy:Product ;
    skos:prefLabel "Motor Insurance"@en ;
    skos:definition "Vehicle insurance covering third-party liability, own damage, and roadside assistance."@en ;
.

:CommercialPropertyInsurance
    a              edgy:Product ;
    skos:prefLabel "Commercial Property Insurance"@en ;
    skos:definition "Property and business interruption coverage for commercial and industrial clients."@en ;
.

:PersonalLinesPortfolio
    a              edgy:Product ;
    skos:prefLabel "Personal Lines Portfolio"@en ;
    skos:definition "Portfolio of insurance products for individual customers — home, motor, travel, personal accident."@en ;
.

:MeridianBrand
    a              edgy:Brand ;
    skos:prefLabel "Meridian"@en ;
    skos:definition "The group master brand representing trust, stability, and modern protection across all markets."@en ;
.

:NordGuardBrand
    a              edgy:Brand ;
    skos:prefLabel "NordGuard"@en ;
    skos:definition "Nordic market brand positioned as digital-first, simple, and transparent insurance."@en ;
.


#################################################################
# Tree Relationships (child partOf parent)
#################################################################

## Capability decomposition
:FNOL edgy:partOf :ClaimsManagement .
:ClaimsAssessmentCap edgy:partOf :ClaimsManagement .
:Settlement edgy:partOf :ClaimsManagement .
:RiskAssessment edgy:partOf :Underwriting .
:Pricing edgy:partOf :Underwriting .

## Organisation hierarchy
:MeridianNordics edgy:partOf :MeridianGroup .
:ClaimsOperations edgy:partOf :MeridianGroup .

## Product portfolio
:HomeInsurance edgy:partOf :PersonalLinesPortfolio .
:MotorInsurance edgy:partOf :PersonalLinesPortfolio .

## Brand portfolio
:NordGuardBrand edgy:partOf :MeridianBrand .


#################################################################
# Flow Relationships (source flowsTo target)
#################################################################

:CustomerDataPlatform edgy:flowsTo :FraudDetectionEngine .
:PolicyAdminSystem edgy:flowsTo :CustomerDataPlatform .


#################################################################
# Core Links — Identity Facet
#################################################################

:FromMutualToDigital edgy:contextualisesPurpose :ProtectWhatMatters .
:RiskPreventionAdvice edgy:expressesPurpose :ProtectWhatMatters .
:RiskPreventionAdvice edgy:conveysStory :FromMutualToDigital .


#################################################################
# Core Links — Experience Facet
#################################################################

:FileAClaim edgy:isPartOfJourney :ClaimsJourney .
:TrackClaimProgress edgy:isPartOfJourney :ClaimsJourney .
:ReceivePayment edgy:isPartOfJourney :ClaimsJourney .
:GetInsured edgy:isPartOfJourney :PurchaseJourney .
:RenewMyPolicy edgy:isPartOfJourney :RenewalJourney .

:FileAClaim edgy:usesChannel :MobileApp .
:FileAClaim edgy:usesChannel :CallCentre .
:GetInsured edgy:usesChannel :AgentNetwork .
:GetInsured edgy:usesChannel :CustomerPortal .
:TrackClaimProgress edgy:usesChannel :CustomerPortal .
:TrackClaimProgress edgy:usesChannel :MobileApp .
:RenewMyPolicy edgy:usesChannel :CustomerPortal .
:RenewMyPolicy edgy:usesChannel :AgentNetwork .

:ClaimsJourney edgy:traversesChannel :MobileApp .
:ClaimsJourney edgy:traversesChannel :CallCentre .
:ClaimsJourney edgy:traversesChannel :CustomerPortal .
:PurchaseJourney edgy:traversesChannel :AgentNetwork .
:PurchaseJourney edgy:traversesChannel :CustomerPortal .
:PurchaseJourney edgy:traversesChannel :MobileApp .
:RenewalJourney edgy:traversesChannel :CustomerPortal .
:RenewalJourney edgy:traversesChannel :AgentNetwork .


#################################################################
# Core Links — Architecture Facet
#################################################################

:ClaimsManagement edgy:requiresAsset :FraudDetectionEngine .
:ClaimsManagement edgy:requiresAsset :CustomerDataPlatform .
:ClaimsManagement edgy:requiresAsset :ClaimsWorkflowSystem .
:Underwriting edgy:requiresAsset :ActuarialPricingEngine .
:PolicyAdministration edgy:requiresAsset :PolicyAdminSystem .

:ClaimsAssessmentProcess edgy:realisesCapability :ClaimsManagement .
:UnderwritingProcess edgy:realisesCapability :Underwriting .
:RenewalProcess edgy:realisesCapability :PolicyAdministration .

:ClaimsAssessmentProcess edgy:processRequiresAsset :FraudDetectionEngine .
:ClaimsAssessmentProcess edgy:processRequiresAsset :ClaimsWorkflowSystem .
:UnderwritingProcess edgy:processRequiresAsset :ActuarialPricingEngine .
:RenewalProcess edgy:processRequiresAsset :PolicyAdminSystem .


#################################################################
# Core Links — Organisation Intersection
#################################################################

:MeridianGroup edgy:pursuesPurpose :ProtectWhatMatters .
:MeridianGroup edgy:authorsStory :FromMutualToDigital .
:MeridianGroup edgy:hasCapability :ClaimsManagement .
:MeridianGroup edgy:hasCapability :Underwriting .
:MeridianGroup edgy:hasCapability :PolicyAdministration .
:MeridianGroup edgy:hasCapability :CustomerService .
:MeridianGroup edgy:hasCapability :DistributionManagement .
:MeridianGroup edgy:hasCapability :FraudPrevention .
:ClaimsOperations edgy:performsProcess :ClaimsAssessmentProcess .
:MeridianGroup edgy:buildsBrand :MeridianBrand .
:MeridianNordics edgy:buildsBrand :NordGuardBrand .
:MeridianGroup edgy:makesProduct :HomeInsurance .
:MeridianGroup edgy:makesProduct :MotorInsurance .
:MeridianGroup edgy:makesProduct :CommercialPropertyInsurance .


#################################################################
# Core Links — Product Intersection
#################################################################

:HomeInsurance edgy:servesTask :FileAClaim .
:HomeInsurance edgy:servesTask :GetInsured .
:MotorInsurance edgy:servesTask :FileAClaim .
:MotorInsurance edgy:servesTask :GetInsured .
:HomeInsurance edgy:featuresInJourney :PurchaseJourney .
:HomeInsurance edgy:featuresInJourney :ClaimsJourney .
:MotorInsurance edgy:featuresInJourney :PurchaseJourney .
:HomeInsurance edgy:requiresCapability :ClaimsManagement .
:HomeInsurance edgy:requiresCapability :Underwriting .
:MotorInsurance edgy:requiresCapability :ClaimsManagement .
:MotorInsurance edgy:requiresCapability :Underwriting .
:ClaimsAssessmentProcess edgy:createsProduct :HomeInsurance .
:ClaimsAssessmentProcess edgy:createsProduct :MotorInsurance .


#################################################################
# Core Links — Brand Intersection
#################################################################

:MeridianBrand edgy:representsPurpose :ProtectWhatMatters .
:MeridianBrand edgy:evokesStory :FromMutualToDigital .
:MeridianBrand edgy:supportsTask :GetInsured .
:MeridianBrand edgy:supportsTask :FileAClaim .
:NordGuardBrand edgy:supportsTask :GetInsured .
:MeridianBrand edgy:appearsInJourney :PurchaseJourney .
:NordGuardBrand edgy:appearsInJourney :PurchaseJourney .
:HomeInsurance edgy:embodiesBrand :MeridianBrand .
:MotorInsurance edgy:embodiesBrand :MeridianBrand .


#################################################################
# Tags and Metrics
#################################################################

:FraudDetectionEngine edgy:hasTag [
    a              edgy:Tagging ;
    skos:prefLabel "Application"@en ;
    rdfs:seeAlso   edgyrd:Application ;
] .

:CustomerDataPlatform edgy:hasTag [
    a              edgy:Tagging ;
    skos:prefLabel "Data"@en ;
    rdfs:seeAlso   edgyrd:Data ;
] .

:ClaimsWorkflowSystem edgy:hasTag [
    a              edgy:Tagging ;
    skos:prefLabel "Application"@en ;
    rdfs:seeAlso   edgyrd:Application ;
] .

:PolicyAdminSystem edgy:hasTag [
    a              edgy:Tagging ;
    skos:prefLabel "Application"@en ;
    rdfs:seeAlso   edgyrd:Application ;
] .

:ClaimsManagement edgy:hasMetric [
    a              edgy:Metrics ;
    skos:prefLabel "Maturity: Managed"@en ;
    rdfs:seeAlso   edgyrd:Managed ;
] .

:FNOL edgy:hasMetric [
    a              edgy:Metrics ;
    skos:prefLabel "Performance: Green"@en ;
    rdfs:seeAlso   edgyrd:Green ;
] .

:FraudDetectionEngine edgy:hasMetric [
    a              edgy:Metrics ;
    skos:prefLabel "Risk: Amber"@en ;
    rdfs:seeAlso   edgyrd:Amber ;
] .

:Settlement edgy:hasMetric [
    a              edgy:Metrics ;
    skos:prefLabel "Performance: Amber"@en ;
    rdfs:seeAlso   edgyrd:Amber ;
] .


#################################################################
# Views
#################################################################

:MeridianCapabilityMapView
    a                            arch:View ;
    skos:prefLabel               "Meridian Capability Map"@en ;
    arch:viewConformsToViewpoint edgyvp:CapabilityMap ;
.

:MeridianClaimsJourneyView
    a                            arch:View ;
    skos:prefLabel               "Meridian Claims Journey Map"@en ;
    arch:viewConformsToViewpoint edgyvp:JourneyMap ;
.

:MeridianIdentityView
    a                            arch:View ;
    skos:prefLabel               "Meridian Identity Map"@en ;
    arch:viewConformsToViewpoint edgyvp:IdentityMap ;
.

:MeridianProductView
    a                            arch:View ;
    skos:prefLabel               "Meridian Product Map"@en ;
    arch:viewConformsToViewpoint edgyvp:ProductMap ;
.

:MeridianFullEnterpriseView
    a                            arch:View ;
    skos:prefLabel               "Meridian Full Enterprise Map"@en ;
    arch:viewConformsToViewpoint edgyvp:FullEnterpriseMap ;
.