In plain English.
The pledge is live today: any organization can sign it. The shared infrastructure behind it, described below, is launching with Voyager.
Consent receipts Launching with Voyager
When an insured or a partner agrees to share their data, they get a receipt: what was shared, with whom, for what purpose, and until when. They keep it, and they can check it later.
A visible access log Launching with Voyager
Each time a record is read or used, the event is written to a log the owner can see. The log is anchored on InsureBio, the insurance data chain, so entries cannot be quietly changed after the fact.
Anonymous pooling Launching with Voyager
When signatories contribute to industry data, records are pooled so that no one can be picked out of them.
How the pool stays anonymous
Salted hashes. Identifiers such as names and policy numbers are replaced with one-way salted hashes before data enters the pool. The pool can tell that two records belong together without knowing who they belong to.
Minimum contributor thresholds. A figure is only published when enough separate organizations have contributed to it, so a result does not describe a single company's book.
No raw-row export. The pool is built with no way to download individual pooled records. Only aggregate results come out.
Privacy noise. Published numbers carry a small, controlled amount of statistical noise, so a figure cannot be worked backwards to reveal a contributor.
Organizations that contribute to the pool are rewarded when pooled data is used.
One record. Many voices. No judge.
Today the same insurance facts are typed, checked and filed again and again, by every agency, carrier, MGA and regulator who needs them. Every copy costs money, and every copy can disagree. The Trust is built around a different idea.
One source of truth. A policy, a loss or a payment is recorded once and verified once. Everyone with a right to see it reads the same record, so the work of re-keying and re-checking falls away, and figures can be counted rather than estimated.
Everyone can report in. Agencies, carriers, MGAs, insureds and regulators can all add to the record and attest to it. Where two parties disagree, both views are kept, side by side and visible.
We are the custodian, not the judge. We keep the record safe and the access log honest. We don't decide who is right, set prices or rank anyone. Disputes go where they belong: to the parties, the contract and the regulator.
Fair rules, published. The record runs on published rules that follow the industry's own standards. The rules are the same for every participant and open to audit.
No bloat. Shared, verified records leave little room for knowledge hoarding (charging again to re-sell facts the industry already paid for), quiet data mining, or phishing. Requests come from verified identities and are signed, so a fake “please send us the loss runs” email has nothing to stand on.
Your record, in your hands. Launching with Voyager
If you're insured, the record is about you. Through InsureBio you will be able to see your policies, claims and payment history in one place; see which company looked at your record, when and why; give or refuse consent and get a receipt each time your data is used; report a mistake so your view stays on file next to theirs; and take your verified history with you when you change agents or carriers.
Claiming your record on InsureBio is open now. Claim your record
Who runs it
The Insurance Data Trust is a neutral home for the pledge and its signatories. The infrastructure is powered by InsurEco and secured on InsureBio. Signing the pledge does not require using any particular product.