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.

ACORD publishes 4 APIs on the APIs.io network, including Claims API, Party API, Policy API, and 1 more. Tagged areas include Claims, Insurance, Policy, Standards, and Underwriting.

The ACORD catalog on APIs.io includes 2 JSON-LD contexts and 2 Spectral governance rulesets.

ACORD’s developer surface includes authentication, developer portal, documentation, getting-started guide, support, engineering blog, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub
50.7/100 developing ▼ -5.8 Agent 37/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessSelf serve
6 APIs 5 Features 5 Use Cases
ClaimsInsurancePolicyStandardsUnderwriting

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 50.7/100 · developing
Contract Quality 19.3 / 25
Developer Ergonomics 9.1 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 0.7 / 13
Governance 8.3 / 12
Discoverability 7.4 / 10
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/acord: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

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 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...

ACORD Claims API

Claims inquiry, submission, and management

ACORD Party API

Insured party and contact management

ACORD Policy API

Policy administration and management

ACORD Underwriting API

Underwriting and risk assessment

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

ACORD Next-Generation Digital Standards (NGDS) API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Acord Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Acord Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Acord Finops

FINOPS

Features 5

Notable capabilities this provider offers.

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.

Semantic Vocabularies 2

JSON-LD contexts and semantic vocabularies used across these APIs.

Acord Context

0 classes · 5 properties

JSON-LD

Acord Ngds Context

19 classes · 55 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

ACORD API Rules

6 rules · 4 warnings 2 info

SPECTRAL

ACORD API Rules

39 rules · 13 errors 23 warnings 3 info

SPECTRAL

JSON Schema 16

Standalone JSON Schema definitions for this provider's data models.

ACORD Claim

18 properties

JSON SCHEMA

ACORD Policy

13 properties

JSON SCHEMA

Address

6 properties

JSON SCHEMA

ClaimList

2 properties

JSON SCHEMA

ClaimRequest

6 properties

JSON SCHEMA

Contact

2 properties

JSON SCHEMA

CoverageRequest

5 properties

JSON SCHEMA

Coverage

6 properties

JSON SCHEMA

PartyList

2 properties

JSON SCHEMA

PartyRequest

7 properties

JSON SCHEMA

Party

8 properties

JSON SCHEMA

PolicyList

2 properties

JSON SCHEMA

PolicyRequest

7 properties

JSON SCHEMA

PolicyUpdate

4 properties

JSON SCHEMA

UnderwritingSubmissionResponse

4 properties

JSON SCHEMA

UnderwritingSubmission

5 properties

JSON SCHEMA

Scroll for all 16

JSON Structure 16

JSON Structure definitions describing this provider's data shapes.

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 Response Structure

4 properties

JSON STRUCTURE

Ngds Underwriting Submission Structure

5 properties

JSON STRUCTURE

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Examples 16

Example request and response payloads for these APIs.

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 Coverage Request Example

5 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

Ngds Underwriting Submission Example

5 fields

EXAMPLE

Ngds Underwriting Submission Response Example

4 fields

EXAMPLE

Scroll for all 16

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Acord Authentication

http/oauth2 · 2 schemes

SECURITY

Acord Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Acord Scopes

4 scopes · clientCredentials

4 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Acord Agentic Access

10 operations · 5 acting

10 operations · 5 acting

AGENTIC

Use Cases 5

What developers build with this provider.

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 4

Pre-built integrations with other platforms and tools.

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.

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal
Portal
 GettingStarted
GettingStarted

Documentation 5

Reference material describing how the API behaves

Documentation
Documentation
 Documentation
Documentation
 OpenAPI
OpenAPI
 JSONSchema
JSONSchema
 JSONSchema
JSONSchema

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

JSONLDContext
JSONLDContext
 SpectralRules
SpectralRules
 Vocabulary
Vocabulary

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support
Support

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: acord
url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/apis.yml
apis:
- aid: acord:acord-xml-standards-api
  name: ACORD XML Standards API
  tags:
  - ACORD
  - Claims
  - Insurance
  - Policy
  - Property Casualty
  - SOAP
  - XML
  image: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/image.png
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards
  baseURL: https://claims.insurer-internal.example.com/acord
  properties:
  - url: https://www.acord.org/standards-architecture/acord-data-standards
    type: Documentation
  - url: https://www.acord.org/standards-architecture/acord-data-standards
    type: Reference
  description: ACORD XML Standards define data exchange formats for property & casualty, life, annuity, and reinsurance using
    SOAP/XML protocols. APIs enable claims inquiry, policy administration, and regulatory reporting across insurers, reinsurers,
    and intermediaries.
- aid: acord:acord-reinsurance-standards-api
  name: ACORD Reinsurance & Large Commercial Data Standards API
  tags:
  - Data Standards
  - Insurance
  - Large Commercial
  - Reinsurance
  - XML
  image: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/image.png
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards/Global_Reinsurance_Data_Standards
  baseURL: https://reinsurance.insurer-internal.example.com/acord
  properties:
  - url: https://www.acord.org/standards-architecture/acord-data-standards/Global_Reinsurance_Data_Standards
    type: Documentation
  description: ACORD Global Reinsurance & Large Commercial Data Standards define XML data exchange formats for reinsurance
    and large commercial lines. APIs support facultative and treaty reinsurance transactions, placement, and settlement between
    cedants, reinsurers, and brokers.
- aid: acord:acord-claims-api
  name: ACORD Claims API
  description: Claims inquiry, submission, and management
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards
  baseURL: https://claims.insurer-internal.example.com/acord
  tags:
  - Claims
  properties:
  - type: OpenAPI
    url: openapi/acord-claims-api-openapi.yml
  - type: Documentation
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: Reference
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-policy-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-claim-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-party-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-coverage-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-underwriting-submission-schema.json
- aid: acord:acord-party-api
  name: ACORD Party API
  description: Insured party and contact management
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards
  baseURL: https://claims.insurer-internal.example.com/acord
  tags:
  - Party
  properties:
  - type: OpenAPI
    url: openapi/acord-party-api-openapi.yml
  - type: Documentation
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: Reference
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-policy-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-claim-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-party-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-coverage-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-underwriting-submission-schema.json
- aid: acord:acord-policy-api
  name: ACORD Policy API
  description: Policy administration and management
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards
  baseURL: https://claims.insurer-internal.example.com/acord
  tags:
  - Policy
  properties:
  - type: OpenAPI
    url: openapi/acord-policy-api-openapi.yml
  - type: Documentation
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: Reference
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-policy-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-claim-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-party-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-coverage-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-underwriting-submission-schema.json
- aid: acord:acord-underwriting-api
  name: ACORD Underwriting API
  description: Underwriting and risk assessment
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards
  baseURL: https://claims.insurer-internal.example.com/acord
  tags:
  - Underwriting
  properties:
  - type: OpenAPI
    url: openapi/acord-underwriting-api-openapi.yml
  - type: Documentation
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: Reference
    url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-policy-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-claim-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-party-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-coverage-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/ngds-underwriting-submission-schema.json
common:
- type: AgenticAccess
  url: agentic-access/acord-agentic-access.yml
- type: DomainSecurity
  url: security/acord-domain-security.yml
- type: Authentication
  url: authentication/acord-authentication.yml
- type: OAuthScopes
  url: scopes/acord-scopes.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/acord
- url: https://www.acord.org
  type: Website
- url: https://www.acord.org/standards-architecture/acord-data-standards
  type: Portal
- url: https://www.acord.org/standards-architecture/acord-data-standards
  type: Documentation
- url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  type: GettingStarted
- url: https://www.acord.org/standards-architecture/reference-architecture
  type: Documentation
- url: https://www.acord.org/standards-architecture/get-involved/standards-project-advisory-groups
  type: Support
- url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/openapi/acord-ngds-openapi.yml
  type: OpenAPI
- url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/acord-policy-schema.json
  type: JSONSchema
- url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/acord-claim-schema.json
  type: JSONSchema
- url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-ld/acord-context.jsonld
  type: JSONLDContext
- type: GitHubOrganization
  url: https://github.com/api-evangelist/acord
- type: SpectralRules
  url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/rules/acord-spectral-rules.yml
- type: Vocabulary
  url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/vocabulary/acord-vocabulary.yaml
- type: Features
  data:
  - name: XML Data Standards
    description: ACORD XML standards for property & casualty, life, annuity, and reinsurance SOAP/XML data exchange.
  - name: Next-Generation Digital Standards
    description: JSON/YAML-based NGDS for RESTful APIs, microservices, and IoT insurance data exchange.
  - name: Reinsurance Standards
    description: Global reinsurance and large commercial data standards for facultative and treaty transactions.
  - name: Life and Annuity Standards
    description: Electronic data standards for life insurance and annuity products covering underwriting and policy management.
  - name: Reference Architecture
    description: ACORD reference architecture providing structural frameworks for insurance technology implementations.
- type: UseCases
  data:
  - name: Claims Data Exchange
    description: Standardized ACORD XML or NGDS JSON claims transaction exchange between carriers, adjusters, and reinsurers.
  - name: Policy Administration
    description: Automated policy issuance, endorsement, and renewal using ACORD NGDS microservices architecture.
  - name: Underwriting Automation
    description: Straight-through processing of insurance applications using ACORD standardized data elements.
  - name: Reinsurance Settlement
    description: Facultative and treaty reinsurance data exchange using ACORD Global Reinsurance Data Standards.
  - name: Regulatory Reporting
    description: Compliance reporting using ACORD-standardized data formats for regulatory submissions.
- type: Integrations
  data:
  - name: Insurance Core Systems
    description: Integration with policy administration systems (PAS) and claims management systems (CMS).
  - name: Reinsurance Platforms
    description: Integration with reinsurance management platforms supporting ACORD AL3 and RIBO formats.
  - name: Insurtech Solutions
    description: Modern insurtech API platforms consuming ACORD NGDS JSON standards.
  - name: Regulatory Systems
    description: Integration with state and national insurance regulatory reporting systems.
- type: Blog
  url: https://www.acord.org/ACORD-about/acord-news
maintainers:
- name: Kin Lane
  email: kin@apievangelist.com
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
modified: '2026-04-19'
description: 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.
name: ACORD
type: Index
specificationVersion: '0.19'
tags:
- Claims
- Insurance
- Policy
- Standards
- Underwriting
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/acord.png