Looking at the spreadsheet & the two worksheets, it looks like the only non-calculated fields that are not otherwise accounted for are the deductible, Insured Amount, BOUM Line Size and Gross Rate. The values vary depending on vessel, location and product so I think they should belong in tblPolicyVesselLocations.
Once you have the structure set up correctly, you would set up forms so that your users can enter their data directly. Then you can do away with the spreadsheets altogether.
In regards to the above, for the purpose of what I am currently trying to deliver all calculations, and data entry is done on the excel sheet. Due to my novice understanding of access we are not aiming that high yet as to eliminate the excel entry sheets for co-workers.
I would just like to be able to enter their submitted data into this database and have working queries. I did some reading on Cartesian Products and understand the concept and the problems that they can cause.
I added a few tables that were not there before, (tblPolicyVessel, tblVesselProducts) and made some adjustments to relationships between the tables.
For what I am trying to accomplish, ie. run a query on a single vessel name and sum all exposures, can this be done with the database's current structure. If not what adjustments need to be made to reach that point.