ACORD Underwriting API

openapi: 3.2.0
info:
  title: ACORD Next-Generation Digital Standards (NGDS) Claims Underwriting API
  description: The ACORD NGDS API provides granular, transaction-centric REST/JSON standards for insurance data exchange covering underwriting, policy management, and claims administration. Based on the ACORD Object Model with JSON and YAML formats for microservices, IoT, and modern API architectures.
  version: 1.0.0
  contact:
    name: ACORD Standards
    url: https://www.acord.org/standards-architecture/acord-data-standards
  license:
    name: ACORD License
    url: https://www.acord.org
x-authored-by: API Evangelist
x-modeled-from: >-
  Modeled by API Evangelist from ACORD's public description of the Next-Generation Digital
  Standards. ACORD publishes NO OpenAPI. Verified 2026-08-30: /openapi.json, /openapi.yaml
  and /swagger.json return 404 on www.acord.org, ngdsobjectmodel.acord.org and
  www.acordsolutions.com, and 403 on standards.acord.org; every NGDS artifact is a
  /file-download/<uuid> link that 302s to Microsoft Entra member sign-in. The servers[] host
  below (api.insurer-internal.example.com) is a placeholder on the IETF-reserved
  documentation domain example.com, not an ACORD endpoint. This document is an API
  Evangelist illustration of the standard, NOT a contract published by ACORD, and must not
  be credited to ACORD as a published API.
x-provenance:
  method: generated
  authored_by: API Evangelist
  authored_date: '2026-05'
  marked_date: '2026-08-30'
  provider_published: false
servers:
- url: https://api.insurer-internal.example.com/ngds
  description: NGDS REST API endpoint
security:
- oauth2: []
- bearerAuth: []
tags:
- name: Underwriting
  description: Underwriting and risk assessment
paths:
  /underwriting/submissions:
    post:
      operationId: submitUnderwritingSubmission
      summary: ACORD Submit Underwriting Application
      description: Submit an insurance application for underwriting review using ACORD NGDS underwriting transaction.
      tags:
      - Underwriting
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UnderwritingSubmission'
            examples:
              SubmitUnderwritingSubmissionRequestExample:
                summary: Default submitUnderwritingSubmission request
                x-microcks-default: true
                value:
                  lineOfBusiness: sample-value
                  applicant:
                    partyType: {}
                    firstName: {}
                    lastName: {}
                    organizationName: {}
                    taxId: {}
                    address: {}
                    contacts: {}
                  requestedEffectiveDate: '2025-03-15'
                  requestedExpirationDate: '2025-03-15'
                  riskDetails: {}
      responses:
        '201':
          description: Submission created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnderwritingSubmissionResponse'
              examples:
                SubmitUnderwritingSubmission201Example:
                  summary: Default submitUnderwritingSubmission 201 response
                  x-microcks-default: true
                  value:
                    submissionId: sample-value
                    status: Received
                    submittedAt: '2025-03-15T14:30:00Z'
                    notes: sample-value
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    Contact:
      type: object
      properties:
        contactType:
          type: string
          enum:
          - Phone
          - Email
          - Fax
        value:
          type: string
    UnderwritingSubmission:
      type: object
      required:
      - lineOfBusiness
      - applicant
      - requestedEffectiveDate
      properties:
        lineOfBusiness:
          type: string
        applicant:
          $ref: '#/components/schemas/PartyRequest'
        requestedEffectiveDate:
          type: string
          format: date
        requestedExpirationDate:
          type: string
          format: date
        riskDetails:
          type: object
          additionalProperties: true
    PartyRequest:
      type: object
      required:
      - partyType
      properties:
        partyType:
          type: string
          enum:
          - Insured
          - Claimant
          - Agent
          - Broker
          - Carrier
        firstName:
          type: string
        lastName:
          type: string
        organizationName:
          type: string
        taxId:
          type: string
        address:
          $ref: '#/components/schemas/Address'
        contacts:
          type: array
          items:
            $ref: '#/components/schemas/Contact'
    UnderwritingSubmissionResponse:
      type: object
      properties:
        submissionId:
          type: string
        status:
          type: string
          enum:
          - Received
          - UnderReview
          - Approved
          - Declined
          - RequiresMoreInfo
        submittedAt:
          type: string
          format: date-time
        notes:
          type: string
    Address:
      type: object
      properties:
        street1:
          type: string
        street2:
          type: string
        city:
          type: string
        state:
          type: string
        postalCode:
          type: string
        country:
          type: string
          default: US
  securitySchemes:
    oauth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://auth.insurer-internal.example.com/oauth/token
          scopes:
            read:policies: Read policy data
            write:policies: Create and modify policies
            read:claims: Read claim data
            write:claims: Submit and update claims
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT