Abstract: A computer-implemented rating system. An operations server defines a schedule of tasks to be performed on the equipment. An operator terminal capable of remote communications with the operations server and transmits operation-related data to the server. A damages server capable of communications with the operations server and for attributing a damage type identifier to a recognized disorder and an identifier of an originator probably liable for the damage, generates corresponding damage claims. An insurance server capable of communications with the damages server and receives damage claims. A rating engine for rating the operator, the originators and the insurance company based on damage estimation by operator, damages server and insurance company input. The system applies to insurance management in connection with at least one operator on equipment obtained by a plurality of equipment originators and an insurance company providing insurance for the equipment.