ACORD

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-ngds-api
  name: ACORD Next-Generation Digital Standards (NGDS) API
  tags:
  - ACORD
  - Digital Standards
  - Insurance
  - IoT
  - JSON
  - Microservices
  - REST
  image: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/image.png
  humanURL: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
  baseURL: https://api.insurer-internal.example.com/ngds
  properties:
  - url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
    type: Documentation
  - url: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
    type: Reference
  - url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/openapi/acord-ngds-openapi.yml
    type: OpenAPI
  - 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
  - type: NaftikoCapability
    url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/capabilities/shared/acord-ngds.yaml
  description: >-
    The ACORD Next-Generation Digital Standards (NGDS) Object Model provides granular,
    transaction-centric standards for APIs, microservices, IoT, and RESTful architectures.
    Based on JSON and YAML data-interchange formats, NGDS enables modern insurance
    data exchange for underwriting, policy management, and claims administration.

- 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.

common:
- 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: NaftikoCapability
  url: https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/capabilities/insurance-data-exchange.yaml
- 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.
maintainers:
- name: Kin Lane
  email: [email protected]

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-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg