OK, then, it sounds like the net value(s) would go in the same table where you put the gross rate (tblPolicyVesselLocationProducts). You would then have to modify the 9th query accordingly as indicated below
INSERT INTO tblPolicyVesselLocationProducts ( fkPolicyVesselLocationID, fkProductID, longDeductible, currInsuredAMT, currROW, currSL, LineSize, field1, field2... )
SELECT DISTINCT tblPolicyVesselLocations.pkPolicyVesselLocationID, tblProducts.pkProductID, Sheet1.deductible, Sheet1.InsuredAmt, Sheet1.longROW, Sheet1.SL, Sheet1.LineSiZe, field1, field2...
FROM (((((((Sheet1 INNER JOIN tblVesselTypes ON Sheet1.txttype=tblVesselTypes.txtVesselTypeName) INNER JOIN tblLocations ON Sheet1.txtLocation=tblLocations.txtLocationName) INNER JOIN tblVessels ON (Sheet1.txtVesselName=tblVessels.txtVesselName) AND (tblVesselTypes.pkVesselTypeID=tblVessels.fkVesselTypeID)) INNER JOIN tblOwners ON Sheet1.txtOwner=tblOwners.txtOwnerName) INNER JOIN tblPolicy ON (Sheet1.txtpolicyNo=tblPolicy.txtPolicyNumber) AND (tblOwners.pkOwnerID=tblPolicy.fkOwnerID)) INNER JOIN tblProducts ON Sheet1.txtproduct=tblProducts.txtProductName) INNER JOIN tblVesselLocations ON (tblLocations.pkLocationID=tblVesselLocations.fkLocationID) AND (tblVessels.pkVesselID=tblVesselLocations.fkVesselID)) INNER JOIN tblPolicyVesselLocations ON (tblPolicy.pkPolicyID=tblPolicyVesselLocations.fkPolicyID) AND (tblVesselLocations.pkVesselLocationID=tblPolicyVesselLocations.fkVesselLocationID);