ACORD Data Standards

What the authority record establishes

ACORD maintains insurance data standards and architectures used to support structured exchange across market participants and lines.

Voluntary unless adopted through contract, market practice, or another authority

The exact official title, issuing body, jurisdiction, version or application record, and linked source define the scope of this page. Readers should not transfer the authority's status to a commercial product or infer transaction-, patient-, system-, site-, or organization-specific applicability from this summary.

Why it matters to this market

Core and claims buyers need versioned message, data, party, policy, claim, financial, and code mappings plus implementation and reconciliation rules rather than an unqualified integration claim.

Affected operating stages

• Data Definition
• Message Exchange
• Implementation
• Versioning
• Validation
• Reconciliation

Capabilities to examine

Insurance Product Configuration And Version Control

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for insurance product configuration and version control.

Policy Administration And Policy Lifecycle Control

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for policy administration and policy lifecycle control.

Premium Billing Invoicing And Receivables

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for premium billing invoicing and receivables.

Payments Disbursements And Reconciliation

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for payments disbursements and reconciliation.

First Notice Of Loss Or Event Intake

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for first notice of loss or event intake.

Documents Correspondence And Evidence Management

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for documents correspondence and evidence management.

Insurance Data Model Quality And Governance

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for insurance data model quality and governance.

API Event And Ecosystem Integration

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for API event and ecosystem integration.

Audit Trail Reason Code And Decision Reconstruction

Ask how the system or service identifies the controlling source and version, applies customer-specific interpretation, handles exceptions, preserves human judgment, and retains evidence for audit trail reason code and decision reconstruction.

Affected buyer audiences

• insurance architecture
• carriers
• brokers
• service partners
• data teams

Implementation questions

• Which entities, products, populations, transactions, systems, sites, or jurisdictions are actually within scope?
• What is binding, what is guidance, and what is a technical or consensus standard?
• Which publication, adoption, effective, application, transition, and enforcement dates differ?
• Who owns legal, clinical, quality, regulatory, policy, or operational interpretation?
• How will a source revision affect open work and historical decisions?

Interpretation boundary

A standards mapping or connector does not establish semantic completeness, implementation conformity, data quality, or successful exchange.