BIND (Business Insurance Normalized Data) is an open data interoperability standard for insurance.
It defines a common set of resource types and data structures that enable brokers, carriers, MGAs, TPAs, reinsurers, and vendors to exchange information in a consistent, machine-readable format.
Website: bind-standard.org
BIND models insurance as a set of composable resources:
| Category | Resources | Description |
|---|---|---|
| Parties | Insured, Organization | Policyholders, carriers, brokers, MGAs |
| Workflow | Submission, Quote | Requesting and offering coverage |
| Contract | Policy, Coverage | The bound agreement and its coverage sections |
| Claims | Claim | Loss reporting and claims workflow |
| Property | Location | Physical premises and statement-of-values data |
Resources are linked together via references and composed of reusable data types like Money, Period, Address, CodeableConcept, and more.
BIND Bundles can be signed using JWS (ES256) to prove authorship and integrity. Signatures are verified against the signer's public key in the BIND Directory — a git-based PKI registry of insurance participants, their regulatory credentials, and signing keys.
Signed bundles enable trust-tiered exchange, where verified participants get higher limits and longer expiry when sharing data via BIND Exchange.
Browse the full specification at bind-standard.org.
The canonical type definitions live in TypeScript (src/types/). Everything else is generated from them:
- TypeScript interfaces —
src/types/— the source of truth - JSON Schemas — auto-generated via
ts-json-schema-generator - Documentation site — auto-generated with VitePress, hosted on Cloudflare Pages
npm install
npm run gen # generate JSON schemas + doc pages
npm run docs:dev # local dev server for the site
npm run docs:build # production buildPushes to main auto-deploy the documentation site to bind-standard.org via Cloudflare Pages.
We welcome contributions from everyone. See CONTRIBUTING.md for details, or open a pull request directly.
For questions or ideas, reach out at contact@bind-standard.org.
The BIND specification is released under the CC0 1.0 Universal license — dedicated to the public domain. You are free to use, modify, and build upon it without restriction.