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ACORD Data Standards

ACORD is committed to helping the industry achieve the goal of straight-through processing.

We offer many Standards, as well as implementation guides and construction tools, to ACORD members.

Once you join the proper ACORD membership or participation program, you will need to set up an account on to access the Standards and corresponding files available for that program. Please register and create your account if you have not already done so. If you already have an account, simply sign in with the credentials provided to you.

If you are interested in ACORD Membership, please email Member Services or call (845) 620-1700. For more information on the value of Standards to your organization, see Why Standards?


Property & Casualty

XML and AL3 Standards and documentation for P&C, also relevant for Delegated Authority and Workers' Comp.


Life & Annuity

XML Standards and documentation for L&A, as well as DTCC EDI specification files.


Global Reinsurance & Large Commercial

XML Standards and documentation, including Claims, Placing, and Accounting & Settlement.


Next-Generation Digital Standards

Granular, transaction-centric Standards for APIs, microservices, IoT, and more.



Including Employee Benefits, Producer Licensing, and Delegated Authority.



Including Asia-Pacific General Insurance and Australia / New Zealand Life Insurance.


Southern Africa

XML Standards and documentation for Short-Term Insurance and Exposure Reporting.


Global Common Services

Rules and guides relevant across all Standards, including Naming & Design, DRI, AMS SOAP, and more.

ACORD facilitates an open Standards development process.

Changes to the ACORD Standards are proposed, presented for review, and voted on by members. There are several ways to track and contribute to the Standards Development process: