ACORD · Schema

ACORD Policy

JSON Schema for an ACORD NGDS insurance policy object, representing an insurance contract with coverages and insured party.

ClaimsInsurancePolicyStandardsUnderwriting

Properties

Name	Type	Description
policyId	string	Unique internal policy identifier
policyNumber	string	Carrier-assigned policy number
lineOfBusiness	string	Insurance line of business
status	string	Current policy status
effectiveDate	string	Policy effective date
expirationDate	string	Policy expiration date
premiumAmount	number	Total policy premium amount
currency	string	ISO 4217 currency code
insuredParty	object
coverages	array	List of coverages under the policy
endorsements	array	Policy endorsements and amendments
createdAt	string
updatedAt	string

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/acord-policy-schema.json",
  "title": "ACORD Policy",
  "description": "JSON Schema for an ACORD NGDS insurance policy object, representing an insurance contract with coverages and insured party.",
  "type": "object",
  "required": ["policyId", "policyNumber", "lineOfBusiness", "status", "effectiveDate", "expirationDate"],
  "properties": {
    "policyId": {
      "type": "string",
      "description": "Unique internal policy identifier"
    },
    "policyNumber": {
      "type": "string",
      "description": "Carrier-assigned policy number"
    },
    "lineOfBusiness": {
      "type": "string",
      "description": "Insurance line of business",
      "enum": ["PropertyCasualty", "Life", "Annuity", "Reinsurance"]
    },
    "status": {
      "type": "string",
      "description": "Current policy status",
      "enum": ["Active", "Lapsed", "Cancelled", "Pending", "Expired"]
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Policy effective date"
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Policy expiration date"
    },
    "premiumAmount": {
      "type": "number",
      "description": "Total policy premium amount",
      "minimum": 0
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code",
      "default": "USD",
      "pattern": "^[A-Z]{3}$"
    },
    "insuredParty": {
      "$ref": "#/$defs/Party"
    },
    "coverages": {
      "type": "array",
      "description": "List of coverages under the policy",
      "items": {
        "$ref": "#/$defs/Coverage"
      }
    },
    "endorsements": {
      "type": "array",
      "description": "Policy endorsements and amendments",
      "items": {
        "$ref": "#/$defs/Endorsement"
      }
    },
    "createdAt": {
      "type": "string",
      "format": "date-time"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time"
    }
  },
  "$defs": {
    "Party": {
      "type": "object",
      "description": "ACORD NGDS Party representing an insured, claimant, agent, or broker",
      "required": ["partyId", "partyType"],
      "properties": {
        "partyId": {
          "type": "string"
        },
        "partyType": {
          "type": "string",
          "enum": ["Insured", "Claimant", "Agent", "Broker", "Carrier"]
        },
        "firstName": {
          "type": "string"
        },
        "lastName": {
          "type": "string"
        },
        "organizationName": {
          "type": "string"
        },
        "taxId": {
          "type": "string",
          "description": "Tax identification number (SSN or EIN)"
        },
        "address": {
          "$ref": "#/$defs/Address"
        },
        "contacts": {
          "type": "array",
          "items": {
            "$ref": "#/$defs/Contact"
          }
        }
      }
    },
    "Coverage": {
      "type": "object",
      "description": "Insurance coverage detail",
      "required": ["coverageId", "coverageType"],
      "properties": {
        "coverageId": {
          "type": "string"
        },
        "coverageType": {
          "type": "string",
          "description": "Type of coverage (e.g., BodilyInjury, PropertyDamage, Medical)"
        },
        "limit": {
          "type": "number",
          "minimum": 0
        },
        "deductible": {
          "type": "number",
          "minimum": 0
        },
        "premium": {
          "type": "number",
          "minimum": 0
        },
        "currency": {
          "type": "string",
          "default": "USD"
        }
      }
    },
    "Endorsement": {
      "type": "object",
      "description": "Policy endorsement or amendment",
      "required": ["endorsementNumber", "effectiveDate"],
      "properties": {
        "endorsementNumber": {
          "type": "string"
        },
        "description": {
          "type": "string"
        },
        "effectiveDate": {
          "type": "string",
          "format": "date"
        },
        "premiumChange": {
          "type": "number"
        }
      }
    },
    "Address": {
      "type": "object",
      "properties": {
        "street1": {
          "type": "string"
        },
        "street2": {
          "type": "string"
        },
        "city": {
          "type": "string"
        },
        "state": {
          "type": "string",
          "pattern": "^[A-Z]{2}$"
        },
        "postalCode": {
          "type": "string"
        },
        "country": {
          "type": "string",
          "default": "US"
        }
      }
    },
    "Contact": {
      "type": "object",
      "required": ["contactType", "value"],
      "properties": {
        "contactType": {
          "type": "string",
          "enum": ["Phone", "Email", "Fax"]
        },
        "value": {
          "type": "string"
        }
      }
    }
  }
}