Abstract: Methods and systems for managing digital groups and claim allocations in digital a peer-to-peer insurance network, the network including a plurality of members each having an electronic member account, including establishing a group comprising a subset of the members of the network, adding a member of the network to the group by associating the member account of the new group with the group, determining, for the new group member account, a member general risk weighting, a group risk factor adjustment and a network risk factor adjustment, and using same to determine liability of the new group member account when a claim originates from within or outside the group; and adjusting the risk factor adjustments of the new group member general risk weighting in response to another member being added/leaving the group or network, or in response to a change in risk of a member account in the group.