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This guide walks you through generating your SmartScore, reviewing what insurers will see, sharing a signed report, and managing your sharing authorizations.
Prerequisites: You must have the Safety Manager or Admin role. Your organization must have at least 30 days of operational data in PlaneConnection for a score to be generated.
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Open SmartScore
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From your workspace, navigate to Safety > SmartScore in the sidebar. The SmartScore dashboard shows your current Internal SmartScore and, if generated, your Insurer SmartScore.
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Review data completeness
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Before generating a score, check the Data Completeness panel. This shows which data categories are populated and their coverage percentage. A score can be generated with any amount of data, but higher completeness produces a narrower confidence interval.

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Review Your Internal SmartScore

Your Internal SmartScore is your full, detailed safety profile. This score is for your eyes only — it is never shared externally. The Internal SmartScore displays:
  • 15 dimension scores covering every aspect of your operation
  • Specific improvement recommendations for each dimension
  • Trend arrows showing whether each dimension is improving, stable, or declining
  • Comparison to your own historical performance (not other operators)
Use this view to identify areas where targeted investment will have the greatest safety impact. The Internal SmartScore updates in real time as your operational data changes.
Focus on dimensions where your score is declining rather than dimensions where it is simply lowest. A declining trend in a previously strong area may indicate a systemic issue that needs attention.

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View the Insurer SmartScore

The Insurer SmartScore is the derivative score that insurers see if you choose to share it. Switch to the Insurer View tab to see exactly what an insurer would receive. The Insurer SmartScore shows:
  • Composite score (250—1000) with band label
  • Four pillar scores: Organizational Foundation, Operational Excellence, Safety Risk Management, Human Capital & Resilience
  • Top 5 positive and negative reason codes (FICO-style factors)
  • Confidence assessment based on data completeness
  • Trend direction (improving, stable, or declining)
  • Score timestamp and engine version
The Insurer SmartScore uses a 90-day rolling average and updates quarterly. It may differ from your real-time Internal SmartScore because of this temporal smoothing.

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Generate a Signed PDF Report

To create a portable report you can share with your broker or insurer:
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Click “Generate Report”
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From the Insurer View tab, click Generate Report. The system creates a digitally signed PDF containing your Insurer SmartScore, pillar breakdown, reason codes, and data completeness indicators.
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Review the report
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The report opens in a preview pane. Review all sections:
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  • Executive summary with stoplight indicators (green/yellow/red)
  • Composite and pillar scores
  • Top 5 positive and negative reason codes
  • Data completeness indicators
  • Methodology summary
  • Disclaimers and attestation
    • 6
    Download the PDF
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    Click Download to save the signed PDF. The report includes a PAdES digital signature (tamper-proof) and a QR code linking to the online verification portal where anyone can confirm the report’s authenticity.

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    Share with Your Broker/Insurer

    Sharing your SmartScore with an insurer requires informed consent through a three-step process. This protects you by ensuring you understand exactly what will be shared.
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    Step 1: Education
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    When you click Share Score, you first see an informational page explaining how SmartScore works, what data feeds the score, a sample score breakdown, and what insurers will and will not see.
    3
    No consent is requested at this step. Read the information and click Continue when ready.
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    Step 2: Authorization
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    Select a named insurer or broker from the directory (or enter their details manually). Then configure:
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  • Sharing tier: Composite score only, standard (with pillar scores and reason codes), or full detail
  • Duration: 90 days, 1 year, or until revoked
  • Review the disclosure describing exactly what will be transmitted
    • 7
    All sharing toggles start in the OFF position. You must actively enable sharing — nothing is pre-selected.
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    Step 3: Confirmation and Attestation
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    Review a summary of what will be transmitted, to whom, and when. You must complete the duty-to-disclose attestation confirming that:
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  • You have disclosed all known safety issues to your insurer
  • You have disclosed any pending FAA enforcement actions
  • You have disclosed any incidents/accidents in the current policy period
  • You understand this score reflects operational metrics only
    • 11
    The duty-to-disclose attestation is a legal requirement. SmartScore does not replace your obligation of utmost good faith with your insurer. You must independently disclose all material facts regardless of what the SmartScore report contains.
    12
    Click Confirm and Share to transmit the score.

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    Monitor Active Sharing Authorizations

    After sharing, you can view and manage all active authorizations:
    1
    Open the Sharing Dashboard
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    Navigate to Safety > SmartScore > Sharing to see all active consent grants. Each entry shows:
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  • The named insurer or broker
  • The sharing tier (composite, standard, or full)
  • The authorization start and expiration dates
  • When the score was last accessed (if applicable)
    • 4
    Review access history
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    Click on any authorization to see a detailed log of when the insurer accessed your score, what data was returned, and from which IP address.
    You can revoke any sharing authorization at any time:
    1
    Click “Revoke”
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    From the Sharing Dashboard, click Revoke next to the authorization you want to terminate. The revocation process requires the same number of steps as granting — a single confirmation click.
    3
    Confirm revocation
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    Review the confirmation screen showing which insurer will lose access and click Confirm Revoke.
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    What happens next
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    On revocation:
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  • The insurer’s access is terminated immediately
  • A webhook notification is sent to the insurer’s system (if API access was configured)
  • The insurer must delete your score data within 30 days and certify destruction
  • The revocation is recorded in the immutable consent ledger
  • Scores already used by the insurer for underwriting decisions are flagged as “consent revoked” but may be retained for regulatory purposes

    • Understanding Your Report

    How to read scores, reason codes, and confidence indicators.

    What Is SmartScore for Insurance?

    Background on the two-score architecture and data stewardship.

    Data Privacy and Trust

    How your data is protected throughout the sharing process.

    SmartScore FAQ

    Common questions from operators, insurers, and regulators.
    Last modified on April 11, 2026