ACORD

ACORD is a global standards-setting body for the insurance industry, providing data standards, reference architecture, and digital tools that enable insurers, brokers, and software providers to exchange information.

3 APIs 5 Features
ClaimsInsurancePolicyStandardsUnderwriting

APIs

ACORD XML Standards API

ACORD XML Standards define data exchange formats for property & casualty, life, annuity, and reinsurance using SOAP/XML protocols. APIs enable claims inquiry, policy administrat...

ACORD Next-Generation Digital Standards (NGDS) API

The ACORD Next-Generation Digital Standards (NGDS) Object Model provides granular, transaction-centric standards for APIs, microservices, IoT, and RESTful architectures. Based o...

ACORD Reinsurance & Large Commercial Data Standards API

ACORD Global Reinsurance & Large Commercial Data Standards define XML data exchange formats for reinsurance and large commercial lines. APIs support facultative and treaty reins...

Collections

Pricing Plans

Acord Plans Pricing

1 plans

PLANS

Rate Limits

Acord Rate Limits

0 limits

RATE LIMITS

FinOps

Acord Finops

FINOPS

Features

XML Data Standards

ACORD XML standards for property & casualty, life, annuity, and reinsurance SOAP/XML data exchange.

Next-Generation Digital Standards

JSON/YAML-based NGDS for RESTful APIs, microservices, and IoT insurance data exchange.

Reinsurance Standards

Global reinsurance and large commercial data standards for facultative and treaty transactions.

Life and Annuity Standards

Electronic data standards for life insurance and annuity products covering underwriting and policy management.

Reference Architecture

ACORD reference architecture providing structural frameworks for insurance technology implementations.

Use Cases

Claims Data Exchange

Standardized ACORD XML or NGDS JSON claims transaction exchange between carriers, adjusters, and reinsurers.

Policy Administration

Automated policy issuance, endorsement, and renewal using ACORD NGDS microservices architecture.

Underwriting Automation

Straight-through processing of insurance applications using ACORD standardized data elements.

Reinsurance Settlement

Facultative and treaty reinsurance data exchange using ACORD Global Reinsurance Data Standards.

Regulatory Reporting

Compliance reporting using ACORD-standardized data formats for regulatory submissions.

Integrations

Insurance Core Systems

Integration with policy administration systems (PAS) and claims management systems (CMS).

Reinsurance Platforms

Integration with reinsurance management platforms supporting ACORD AL3 and RIBO formats.

Insurtech Solutions

Modern insurtech API platforms consuming ACORD NGDS JSON standards.

Regulatory Systems

Integration with state and national insurance regulatory reporting systems.

Semantic Vocabularies

Acord Context

0 classes · 5 properties

JSON-LD

Acord Ngds Context

19 classes · 55 properties

JSON-LD

API Governance Rules

ACORD API Rules

33 rules · 14 errors 17 warnings 2 info

SPECTRAL

JSON Structure

Acord Claim Structure

18 properties

JSON STRUCTURE

Acord Policy Structure

13 properties

JSON STRUCTURE

Ngds Address Structure

6 properties

JSON STRUCTURE

Ngds Claim List Structure

2 properties

JSON STRUCTURE

Ngds Claim Request Structure

6 properties

JSON STRUCTURE

Ngds Contact Structure

2 properties

JSON STRUCTURE

Ngds Coverage Request Structure

5 properties

JSON STRUCTURE

Ngds Coverage Structure

6 properties

JSON STRUCTURE

Ngds Party List Structure

2 properties

JSON STRUCTURE

Ngds Party Request Structure

7 properties

JSON STRUCTURE

Ngds Party Structure

8 properties

JSON STRUCTURE

Ngds Policy List Structure

2 properties

JSON STRUCTURE

Ngds Policy Request Structure

7 properties

JSON STRUCTURE

Ngds Policy Update Structure

4 properties

JSON STRUCTURE

Ngds Underwriting Submission Structure

5 properties

JSON STRUCTURE

Example Payloads

Acord Claim Example

18 fields

EXAMPLE

Acord Policy Example

13 fields

EXAMPLE

Ngds Address Example

6 fields

EXAMPLE

Ngds Claim List Example

2 fields

EXAMPLE

Ngds Claim Request Example

6 fields

EXAMPLE

Ngds Contact Example

2 fields

EXAMPLE

Ngds Coverage Example

6 fields

EXAMPLE

Ngds Party Example

8 fields

EXAMPLE

Ngds Party List Example

2 fields

EXAMPLE

Ngds Party Request Example

7 fields

EXAMPLE

Ngds Policy List Example

2 fields

EXAMPLE

Ngds Policy Request Example

7 fields

EXAMPLE

Ngds Policy Update Example

4 fields

EXAMPLE

Resources

🔗
LinkedIn
LinkedIn
🔗
Website
Website
🌐
Portal
Portal
🔗
Documentation
Documentation
🚀
GettingStarted
GettingStarted
🔗
Documentation
Documentation
💬
Support
Support
🔗
OpenAPI
OpenAPI
🔗
JSONSchema
JSONSchema
🔗
JSONSchema
JSONSchema
🔗
JSONLDContext
JSONLDContext
👥
GitHubOrganization
GitHubOrganization
🔗
SpectralRules
SpectralRules
🔗
Vocabulary
Vocabulary

Sources

Raw ↑
opencollection: 1.0.0
info:
  name: ACORD Next-Generation Digital Standards (NGDS) API
  version: 1.0.0
request:
  auth:
    type: oauth2
    flow: client_credentials
    accessTokenUrl: https://auth.insurer-internal.example.com/oauth/token
    credentials:
      clientId: '{{clientId}}'
      clientSecret: '{{clientSecret}}'
items:
- info:
    name: Policy
    type: folder
  items:
  - info:
      name: ACORD List Policies
      type: http
    http:
      method: GET
      url: https://api.insurer-internal.example.com/ngds/policies
      params:
      - name: policyNumber
        value: ''
        type: query
        description: Filter by policy number
      - name: insuredPartyId
        value: ''
        type: query
        description: Filter by insured party identifier
      - name: lineOfBusiness
        value: ''
        type: query
        description: Filter by line of business (e.g., PropertyCasualty, Life, Annuity)
      - name: status
        value: ''
        type: query
        description: Filter by policy status
      - name: page
        value: ''
        type: query
      - name: pageSize
        value: ''
        type: query
    docs: Retrieve a paginated list of insurance policies matching the given filters.
  - info:
      name: ACORD Create a New Policy
      type: http
    http:
      method: POST
      url: https://api.insurer-internal.example.com/ngds/policies
      body:
        type: json
        data: '{}'
    docs: Submit a new insurance policy for underwriting and issuance using ACORD NGDS data model.
  - info:
      name: ACORD Get Policy by ID
      type: http
    http:
      method: GET
      url: https://api.insurer-internal.example.com/ngds/policies/:policyId
      params:
      - name: policyId
        value: ''
        type: path
    docs: Retrieve a single insurance policy and all associated coverage details by policy identifier.
  - info:
      name: ACORD Update Policy
      type: http
    http:
      method: PATCH
      url: https://api.insurer-internal.example.com/ngds/policies/:policyId
      params:
      - name: policyId
        value: ''
        type: path
      body:
        type: json
        data: '{}'
    docs: Apply endorsements or amendments to an existing policy using ACORD NGDS change transactions.
- info:
    name: Claims
    type: folder
  items:
  - info:
      name: ACORD List Claims
      type: http
    http:
      method: GET
      url: https://api.insurer-internal.example.com/ngds/claims
      params:
      - name: policyId
        value: ''
        type: query
      - name: claimNumber
        value: ''
        type: query
      - name: status
        value: ''
        type: query
      - name: lossDateFrom
        value: ''
        type: query
      - name: lossDateTo
        value: ''
        type: query
    docs: Retrieve a list of claims with optional filtering by policy, status, or date range.
  - info:
      name: ACORD Submit a New Claim
      type: http
    http:
      method: POST
      url: https://api.insurer-internal.example.com/ngds/claims
      body:
        type: json
        data: '{}'
    docs: Submit a first notice of loss (FNOL) using ACORD NGDS claims transaction model.
  - info:
      name: ACORD Get Claim by ID
      type: http
    http:
      method: GET
      url: https://api.insurer-internal.example.com/ngds/claims/:claimId
      params:
      - name: claimId
        value: ''
        type: path
    docs: Retrieve full claim details including loss information, reserves, and payment history.
- info:
    name: Party
    type: folder
  items:
  - info:
      name: ACORD List Parties
      type: http
    http:
      method: GET
      url: https://api.insurer-internal.example.com/ngds/parties
      params:
      - name: partyType
        value: ''
        type: query
      - name: name
        value: ''
        type: query
    docs: Retrieve parties (insureds, claimants, agents, brokers) registered in the system.
  - info:
      name: ACORD Create a Party
      type: http
    http:
      method: POST
      url: https://api.insurer-internal.example.com/ngds/parties
      body:
        type: json
        data: '{}'
    docs: Register a new party (insured, claimant, or contact) using the ACORD NGDS Party object model.
- info:
    name: Underwriting
    type: folder
  items:
  - info:
      name: ACORD Submit Underwriting Application
      type: http
    http:
      method: POST
      url: https://api.insurer-internal.example.com/ngds/underwriting/submissions
      body:
        type: json
        data: '{}'
    docs: Submit an insurance application for underwriting review using ACORD NGDS underwriting transaction.
bundled: true