Property & Casualty Data Standards

ACORD P&C Standards

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.

XML Standards Specifications & Documentation

ACORD P&C XML V2.13.0

Jan 2025

ACORD P&C XML V2.12.0

Dec 2023

ACORD P&C XML V2.11.0

Dec 2022

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 Utilities (Schema Tools)

ACORD has developed utilities that can be used against the schema (.xsd) files to help with implementation. If you have any questions about using the tools, please submit a service request on the ACORD Service Desk.

P&C XML v2.x Schema Slicer

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.

ACORD AL3 P&C Standards & Guides 2024-1

Jan 2025

ACORD AL3 P&C Standards & Guides 2023-1

Dec 2023

ACORD AL3 P&C Standards & Guides 2022-1

Dec 2022

AL3 Hierarchies Online Application

The AL3 Hierarchies Online application enables users of the AL3 Standards to generate hierarchy diagrams for AL3 transactions. With this application, users can create hierarchies in a dynamic digital format, customized to their business needs and preferences. Diagrams can be downloaded as PDF files.

Access AL3 Hierarchies Online

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.

Please note: These specs use P&C XML v1.x. If you are interested in partnering with us to update to v2.x, please submit an Inquiry via the ACORD Service Desk or email standards@acord.org.

ACORD PC Activity Note Notify m1.25v1.0

ACORD PC Binding Authority Claim m1.24v1.0.1

ACORD PC Binding Authority Premium m1.23V1.0

ACORD PC Claim Download m1.25v1.1

ACORD PC Commercial Auto Policy Quote Inquiry m1.27v1.0

ACORD PC Commercial Inland Marine Policy Rate m1.28v1.0

ACORD PC Commercial Package Policy Rate m1.29v1.0

ACORD PC Commercial Property Policy Quote m1.29v1.0

ACORD PC Commercial Property Policy Rate m1.29v1.0

ACORD PC Financial Responsibility Notify m1.25v1.0

ACORD PC General Liability Policy Rate Inquiry m1.27v1.0

ACORD PC Homeowners Policy Quote Inquiry m1.29v1.0

ACORD PC Personal Auto Policy Quote Inquiry m1.27v1.0

ACORD PC Policy Quote Inquiry Resend m1.27v1.0

ACORD PC Vehicle Insurance Verification m1.24v1.0.4

ACORD PC Vehicle Telematics Notify m1.27v1.0

ACORD PC Workers Comp Policy Quote Inquiry m1.28v1.0

P&C Coverage Codes Reference

A compiled list of Coverage Codes available in both the P&C XML and AL3 Standards.

Coverage Codes Reference

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.