@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix void: <http://rdfs.org/ns/void#> .

<http://zbw.eu/stw/descriptor/13821-2>
  skos:prefLabel "Versicherungswissenschaft"@de, "Insurance theory"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13825-1>
  skos:prefLabel "Versicherungsrecht"@de, "Insurance law"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/18741-3>
  skos:prefLabel "Versicherungsökonomik"@de, "Economics of insurance"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/thsys/w>
  skos:notation "W" ;
  rdfs:label "Wirtschaftssektoren"@de, "Economic sectors"@en ;
  skos:prefLabel "W  Wirtschaftssektoren"@de, "W  Economic sectors"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Thsys>, skos:Concept ;
  skos:narrower <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/21072-0>
  skos:prefLabel "Versicherungsschutz"@de, "Insurance coverage"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13826-6>
  skos:prefLabel "Risk model"@en, "Risikomodell"@de ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/19513-4>
  skos:prefLabel "Kapitaldeckungsverfahren"@de, "Fully funded system"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/19679-5>
  skos:prefLabel "Versicherungsmarkt"@de, "Insurance market"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/29706-1>
  skos:prefLabel "Mikroversicherung"@de, "Microinsurance"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/10207-0>
  skos:prefLabel "Moral hazard"@en, "Moral Hazard"@de ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/29707-6>
  skos:prefLabel "Insurance-linked securities"@en, "Insurance-Linked Securities"@de ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13296-2>
  skos:prefLabel "Rückversicherung"@de, "Reinsurance"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13818-5>
  skos:prefLabel "Versicherungsaufsicht"@de, "Insurance supervision"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

skos:narrower
  rdfs:subPropertyOf skos:narrowerTransitive ;
  skos:definition "Relates a concept to a concept that is more specific in meaning."@en ;
  rdfs:comment "Narrower concepts are typically rendered as children in a concept hierarchy (tree)."@en ;
  rdfs:label "has narrower"@en .

skos:broader
  rdfs:subPropertyOf skos:broaderTransitive ;
  skos:definition "Relates a concept to a concept that is more general in meaning."@en ;
  rdfs:comment "Broader concepts are typically rendered as parents in a concept hierarchy (tree)."@en ;
  rdfs:label "has broader"@en .

skos:Concept
  rdfs:label "Concept"@en ;
  a owl:Class .

<http://zbw.eu/stw/descriptor/19424-3>
  skos:prefLabel "Versicherungsteuer"@de, "Insurance tax"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13823-5>
  skos:prefLabel "Versicherungsmathematik"@de, "Actuarial mathematics"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13827-4>
  skos:prefLabel "Versicherungsschaden"@de, "Insured loss"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/18743-6>
  skos:prefLabel "Versicherungsmanagement"@de, "Insurance management"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

skos:inScheme
  skos:definition "Relates a resource (for example a concept) to a concept scheme in which it is included."@en ;
  rdfs:label "is in scheme"@en .

skos:prefLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "The preferred lexical label for a resource, in a given language."@en ;
  rdfs:comment """skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise
      disjoint properties."""@en, "The range of skos:prefLabel is the class of RDF plain literals."@en, "A resource has no more than one value of skos:prefLabel per language tag."@en ;
  rdfs:label "preferred label"@en .

<http://zbw.eu/stw/descriptor/18734-0>
  skos:prefLabel "Internationales Versicherungsrecht"@de, "International insurance law"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13811-5>
  skos:prefLabel "Privatversicherung"@de, "Private insurance"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/namespaces/zbw-extensions/Thsys>
  rdfs:label "Thsys"@en ;
  a owl:Class .

skos:notation
  skos:definition "A notation, also known as classification code, is a string of characters such as \"T58.5\" or \"303.4833\" used to uniquely identify a concept within the scope of a given concept scheme."@en ;
  rdfs:label "notation"@en .

<http://zbw.eu/stw/thsys/70892>
  a skos:Concept, <http://zbw.eu/namespaces/zbw-extensions/Thsys> ;
  skos:narrower <http://zbw.eu/stw/descriptor/21072-0>, <http://zbw.eu/stw/descriptor/29706-1>, <http://zbw.eu/stw/descriptor/13818-5>, <http://zbw.eu/stw/descriptor/13826-6>, <http://zbw.eu/stw/descriptor/13825-1>, <http://zbw.eu/stw/descriptor/13282-6>, <http://zbw.eu/stw/descriptor/30006-5>, <http://zbw.eu/stw/descriptor/18734-0>, <http://zbw.eu/stw/descriptor/13820-4>, <http://zbw.eu/stw/descriptor/21002-0>, <http://zbw.eu/stw/descriptor/18744-4>, <http://zbw.eu/stw/descriptor/18743-6>, <http://zbw.eu/stw/descriptor/18994-2>, <http://zbw.eu/stw/thsys/70891>, <http://zbw.eu/stw/descriptor/18741-3>, <http://zbw.eu/stw/descriptor/29694-3>, <http://zbw.eu/stw/descriptor/13827-4>, <http://zbw.eu/stw/descriptor/13296-2>, <http://zbw.eu/stw/descriptor/19679-5>, <http://zbw.eu/stw/descriptor/29707-6>, <http://zbw.eu/stw/descriptor/13969-5>, <http://zbw.eu/stw/descriptor/19513-4>, <http://zbw.eu/stw/descriptor/13823-5>, <http://zbw.eu/stw/descriptor/13821-2>, <http://zbw.eu/stw/descriptor/10207-0>, <http://zbw.eu/stw/descriptor/29705-3>, <http://zbw.eu/stw/descriptor/13824-3>, <http://zbw.eu/stw/descriptor/19424-3>, <http://zbw.eu/stw/descriptor/13828-2>, <http://zbw.eu/stw/descriptor/13811-5> ;
  rdfs:label "Versicherungswirtschaft"@de, "Insurance industry"@en ;
  skos:broader <http://zbw.eu/stw/thsys/w> ;
  skos:prefLabel "W.16  Versicherungswirtschaft"@de, "W.16  Insurance industry"@en ;
  skos:notation "W.16" ;
  skos:inScheme <http://zbw.eu/stw> .

<http://zbw.eu/stw/descriptor/13820-4>
  skos:prefLabel "Versicherungsbetrug"@de, "Insurance fraud"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13824-3>
  skos:prefLabel "Versicherungsbeitrag"@de, "Insurance premium"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/18994-2>
  skos:prefLabel "Pflichtversicherung"@de, "Mandatory insurance"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13828-2>
  skos:prefLabel "Versicherung"@de, "Insurance"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/18744-4>
  skos:prefLabel "Versicherungsmarketing"@de, "Insurance marketing"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw>
  skos:prefLabel "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  a void:Dataset, skos:ConceptScheme .

<http://zbw.eu/stw/descriptor/13969-5>
  skos:prefLabel "Versicherungsberufe"@de, "Insurance employees"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/thsys/70891>
  skos:notation "W.16.01" ;
  rdfs:label "Versicherungssparten"@de, "Insurance branches"@en ;
  skos:prefLabel "W.16.01  Versicherungssparten"@de, "W.16.01  Insurance branches"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Thsys>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/21002-0>
  skos:prefLabel "Selbstbeteiligung"@de, "Deductible"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/29694-3>
  skos:prefLabel "European insurance law"@en, "EU-Versicherungsrecht"@de ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/13282-6>
  skos:prefLabel "Versicherungsvermittlung"@de, "Insurance intermediation"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/29705-3>
  skos:prefLabel "Versicherungsleistung"@de, "Insurance benefits"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .

<http://zbw.eu/stw/descriptor/30006-5>
  skos:prefLabel "Wert des Menschenlebens"@de, "Value of life"@en ;
  a <http://zbw.eu/namespaces/zbw-extensions/Descriptor>, skos:Concept ;
  skos:broader <http://zbw.eu/stw/thsys/70892> .