Participants should not discuss specific claims history in GRA settings unless the information is public, aggregated, anonymized, authorized, and appropriate for the pathway.
Claims history may include sensitive policyholder information, loss details, settlement amounts, causes of loss, insurer positions, legal disputes, reserves, claims handling information, confidential loss runs, or customer-specific facts.
Claims history can be confidential, commercially sensitive, legally sensitive, and personal-data sensitive. It may also affect underwriting, pricing, litigation, and market conduct.
GRA may discuss public loss trends, aggregated catastrophe data, public disaster losses, general protection-gap evidence, anonymized lessons, risk-reduction needs, and resilience implications. It should not receive or circulate confidential loss runs or claims files.
If claims information is needed for a controlled insurance-readiness analysis, it should be minimized, authorized, aggregated where possible, and handled under a specific information-handling framework.
The safe rule is: discuss lessons and patterns, not confidential claims.
