There is a conflict of interest between insurance companies and policyholders. Teambrella proposes a way to solve this issue by implementing a system that provides peer-to-peer coverage. Peers have mutual control on most aspects of their coverage, such as risk evaluation and processing of payments.

The mutual control is implemented via a voting mechanism that can be delegated to proxies. To ease the burden of payments between peers, we use a blockchain as a mean of providing coverage and payment of reimbursements. .

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