A curated collection of data standards, APIs, and specifications used in insurance underwriting. This covers the landscape of industry-wide data interchange formats, protocol standards, and API ecosystems that enable carriers, MGAs, brokers, and InsurTech platforms to exchange underwriting data programmatically.
Key standards include ACORD (Property & Casualty, Life, Reinsurance), LIMRA LDEx (employee benefits), and emerging OpenInsurance initiatives.
ACORD provides the insurance industry's primary data standards. The NGDS are JSON/YAML-based transaction-centric standards for RESTful APIs and microservices, covering Policy, Claims, Party, Product, and Reinsurance entities.
- Website: https://www.acord.org/
- NGDS Documentation: https://www.acord.org/standards-architecture/acord-data-standards/next-generation-digital-standards
Free, collaboratively developed standards for exchanging employee workplace benefits data between carriers and benefits administration platforms. LDEx provides REST API endpoints compliant with OpenAPI 3.1.
- Website: https://www.limra.com/
- Documentation: https://www.limra.com/en/solutions-and-services/data-exchange-standards/ldex-overview/
| File | Description |
|---|---|
| json-schema/underwriting-standards-submission-schema.json | Schema for an insurance underwriting submission including risk, coverages, quotes, and documents |
| File | Description |
|---|---|
| json-structure/underwriting-standards-submission-structure.json | Field-level documentation for the Underwriting Submission entity |
| File | Description |
|---|---|
| json-ld/underwriting-standards-context.jsonld | JSON-LD context mapping underwriting terms to schema.org and FIBO ontology vocabulary |
| File | Description |
|---|---|
| examples/underwriting-standards-submission-example.json | Example cyber liability underwriting submission following ACORD data standards |
| File | Description |
|---|---|
| vocabulary/underwriting-standards-vocabulary.yml | Domain vocabulary covering underwriting process, risk assessment, coverage concepts, data standards, and InsurTech |