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Property & Casualty Data Standards

P&C Data Standards


P&C Standards Overview

Property & Casualty Standards are available in two formats: AL3 and XML. AL3 is designed as a one-way, batch communication method for policy and commission data. AL3 Standards are available in an Access database, with a data dictionary and supporting documentation.

XML is constructed to support real-time requirements for business transactions via request and response messages. The XML standards are available in a fully indexed and searchable format. The main release components are:

  • Help File: Documentation for the XML Business Message Specification, also available in online format.
  • Support Files: Contains the XML Metadata file.
  • Schema Files: XML schemas used to validate an XML document.

Below are the most recent versions of the ACORD Property & Casualty Standards. 


AL3 Standards Specifications & Documentation

Please note: Use of the ACORD AL3 Standard is governed by the ACORD AL3 Standard License Agreement. Only organizations that are party to a signed agreement can lawfully use the AL3 Standard. Please contact memberservices@acord.org with any questions.


P&C XML Standards Online Help

ACORD members with access to the P&C XML Standards may access an online version of the P&C XML Business Message Specification Help File on our site. You may utilize this instead of maintaining the Help File (.chm) on your local drive.

Access Online Help Files


P&C XML Transaction Specifications

Transaction specifications represent a potential method to use a specified message model that satisfies the data requirements needed to perform a business process. They define the message(s) for providing the data to execute a process/step/task.


P&C Implementation Guides & Supplements

The following guides and supplements have been developed to provide best practices for supporting interoperability between trading partners. These typically document transaction sequences needed to support an entire business process, with implementation details specific to product types, communities, or other subsets of the full P&C Standard.

XML Implementation Guides & Supplements

AL3 Implementation Guides & Supplements


Workers’ Compensation Data Standards

ACORD has been engaged by the Workers’ Compensation Insurance Organizations (WCIO) and International Association of Industrial Accident Boards and Commissions (IAIABC) at their request to help them and other interested parties to expand upon and modernize their current limited fixed length, flat file format data standards. Given that insurers, ratemaking and statistical organizations are transacting more and more business over the internet and rewriting and developing new systems using newer technology, it makes good business sense to transact data via more robustly defined and architected XML business messages.

Below are the most recent versions of the ACORD Workers’ Compensation Standards.


Contact/Questions 

For access to older versions of P&C Standards, please contact Member Services.