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Multi-Functional Standards

ACORD Multi-Functional Data Standards

ACORD provides Standards that span multiple functions and programs across the insurance value chain. These areas are constantly evolving to meet the emerging needs and capabilities of industry stakeholders.

Employee Benefits Standards

This ACORD Standard focuses on simplifying the employee benefit enrollment experience through seamless integrations that drive quality, reduce cost, and increase speed to market.

Electronic Health Records Standards

This ACORD Standard creates a streamlined and lightweight vehicle for medical information inputs (including exams, tests, treatments, prescriptions, et al.), optimized to focus on information relevant to life insurance underwriting. Development of the EHR Standard is part of the ACORD Next-Generation Digital Standards.

Joint Producer Licensing & Appointments Standards

This ACORD Standard supports the necessary transactions to share insurance agent/agency contracts, licensing, appointment, certification and training information between all key trading partners.

Delegated Authority Standards

ACORD Standards for Delegated Authority support the requirements from data capture of the initial risk through to bind, and subsequent premium and claims reporting. ACORD Delegated Authority Data Standards are available in a fully indexed and searchable format.  The main release components are:

  • Release Notes: A list of changes applied to this standard since its last release
  • Help File: reference document for primary source of information for the Standard
  • Schema Files: used to validate an XML document 
  • Business Process Guide:  high-level process flows supporting the policy lifecycle
  • XML Sample Files: Example XML messages illustrating best practice message design
  • Data Requirements: List of London market data requirements supported by this release including XPath mappings to support consistent implementation
  • Cross Industry Schemas: common xml schema for open standards required for implementation

Below are the most recent versions of the ACORD Delegated Authority Standards releases. There are also Delegated Authority Messaging Standards included in the ACORD P&C XML Standards.

Delegated Authority Standards for Lloyd's Coverholders

Lloyd’s Coverholders that participate in the Delegated Authority Standards Coverholder Program can download ACORD Delegated Authority Standards for Lloyd's Coverholders.

Next-Generation Digital Standards

See the ACORD Next-Generation Digital Standards page for more information on ACORD's Data Standards for microservices, API's, and other fine-grained insurance transactions.


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To learn more about standards and membership.

Standards Training Materials

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Are free to download for all ACORD members.

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In our Standards Project Groups and other community activities.