BIND Standard

Appearance

BIND StandardBusiness Insurance Normalized Data

An open data interoperability standard for insurance.

Read the White Paper
Explore the Standard
Playground

Resource-Based

BIND models insurance as a set of discrete, composable resources — Insured, Submission, Quote, Policy, Coverage, Claim, and more.

TypeScript-First

Defined in TypeScript with auto-generated JSON Schemas. Strong typing from source of truth all the way through to validation.

Proven Patterns

Resource types, references, coded values, and extensible data types — patterns proven at scale in other industries, adapted for insurance.

Built-in Trust

A git-based PKI directory at bindpki.org lets any participant register cryptographic signing keys. Verify authorship and integrity of any BIND Bundle — no prior relationship required.

Encrypted Exchange

Share signed, encrypted Bundles via a link. Zero-knowledge server design means the exchange infrastructure never sees your data. No portals, no shared platforms, no vendor lock-in.

Open Standard

Published under CC0 (public domain). No membership fees, no licensing gates. Fork it, extend it, build on it — the standard belongs to the industry.

The Four Layers ​

BIND addresses every layer of the interoperability problem with a purpose-built architecture.

Data Model — 20+ typed, composable resources covering the full policy lifecycle from submission through quoting, binding, policy issuance, endorsements, and claims. TypeScript-first with auto-generated JSON Schemas.

Terminology — 322 managed code systems at bind.codes covering lines of business, coverage forms, loss causes, construction types, vehicle classifications, and more. Multi-language support and AI-native integration via MCP.

Signing & Trust — Git-based PKI at bindpki.org. Participants register identity, regulatory credentials, and ES256 signing keys. Any Bundle can be cryptographically verified without prior relationships.

Exchange — Zero-knowledge encrypted sharing via bindx:// links. Package, sign, encrypt, and share a Bundle as easily as sharing a link. No shared platform, no portal accounts, no vendor lock-in.

Who BIND Is For ​

BIND is designed for every participant in the insurance value chain:

  • Brokers & Agencies — Eliminate re-keying across carrier portals. Structure submissions once, share everywhere.
  • Carriers & Insurers — Ingest structured, validated submissions directly into underwriting workbenches. Enable API-first distribution.
  • MGAs & Program Administrators — Bridge broker and carrier systems with a common data layer. Streamline delegated authority workflows.
  • TPAs & Claims Administrators — Receive structured claims data from day one. Reduce intake processing and improve accuracy.
  • Reinsurers — Consume consistently structured portfolio and claims data for treaty and facultative placements.
  • Technology Vendors & InsurTechs — Build on an open standard instead of maintaining dozens of proprietary integrations.

Getting Started ​

Learn the Concepts ​

Read the Overview to understand BIND's architecture, or dive into the White Paper for the full technical and business case.

Explore the Data Model ​

Browse Resources and Data Types to see how insurance concepts are modeled. Use the Concept Explorer for an interactive view.

Try the Playground ​

Build and validate BIND resources interactively at playground.bind-standard.org. Browse 322 code systems and construct Bundles in your browser.