acord p&c/surety al3 standards training

©ACORD 2005.

ACORD P&C/Surety AL3

Standards Training

Ed Voyek

Agenda

g Who is ACORD?g Best Practicesg Why Standards?g Standards Overviewg AL3 Structure Detailsg The Hierarchy & Headersg Control Groupsg Implementation Issuesg Appendix

Goals

g Get Programmers and Business Analysts comfortable with the Standardh Understanding the key concepts (hierarchy)h Navigation

g Describe and define the standard features and layout

g Point out minimal requirements h Describe the options h Describe the “gotcha’s” along the way

©ACORD 2005.

Ed Voyek

ACORD P&C/Surety AL3Who is ACORD?

Agenda - Who Is ACORD?

g ACORDg Membershipg Alliances & Relationships

ACORD vs. ACCORDg ACORD facilitates Standards development and use

for the insurance, reinsurance, surety and related financial services industries.

g ACCORD is a vehicle available from Honda.

Who is ACORD?

g Association for Cooperative Operations Research & Development

g Independent and Objective Associationh Serving the Industry since 1970h Facilitating Industry-Driven

Standards (Carriers, Agents,Solution Providers, Associations)

h Not For-Profit Corporationh Anti-trust Exemption

ACORD Membershipg P&C Insurersg Life Insurersg Reinsurersg Independent Agenciesg Global Brokersg Suppliersg Lloyds Syndicates

g Trade Associationsg Rating Bureausg Financial Service Orgsg Risk Managersg Service Bureausg Lab Companiesg Consulting Firms

Plus alliances with numerous industry and standards organizations around the world.

ACORD Members….. Leading the Industry

Based on Premium Volume, ACORD Members reflect:

g 100% of Top 10 and 72% of Top 25 AM Best Life and Annuity

g 80% of Top 10 and 72% of Top 25 AM Best P&C g 60% of Top 10 and 28% of Top 25 International

Groupsg Top 5 Brokers representing 80% of the businessg Over 13,000 independent agents

And Growing!!

Alliances and RelationshipsProperty and Life Insurance and

Cross-Industry Casualty Insurance Wealth Management

ANSI CSIO CLIEDISebXML eEG7 DTCCHRXML IDMA FUNDSERVIAA ISO LOAIFX MISMO MIBOMG POLARIS NAILBAUN/EDIFACT RIMSW3C WCIO

See ACORDStandards

Atlasfor Details

Conclusion - Who Is ACORD?

g ACORDg Membershipg Alliances & Relationships

©ACORD 2005.

Ed Voyek

ACORD P&C/Surety AL3Best Practices

Agenda - Best Practices

g Build a teamg First Projectg Leverage Experienceg Resourcesg ACORD Process

Best Practices

g Team Approachh Involve a Business Leader, Technologist and

Operations Gurug Start with an Internal Project

h Practice on easy, low-hanging fruitg Leverage experience of Standards

experienced vendor and/or consultantg Dedicate internal resources to learn & support

spec. (at least part-time)h Find internal “Standards” supporters – ACORD

is the vocabulary they are looking for

Best Practices cont’d

g Survey your vendors for their plans & resourcesg Participate in process – ACORD Standards

meetings (WG’s, Mtgs, etc.)g Get all the WG deliverables, implementation

guides and other resources off the ACORD member site area or the AL3 CD

g Support ACORDh Join with your partners to build a “network

effect”

Conclusion - Best Practices

g Build a teamg First Projectg Leverage Experienceg Resourcesg ACORD Process

©ACORD 2005.

Ed Voyek

ACORD P&C/Surety AL3Why Standards?

Agenda - Why Standards?g Standards Evolutiong Justificationg Return On Investment

Evolution of . . .Evolution of . . .

19© Copyright ACORD

Corp.

1970’s - Forms1980’s - AL3

1990’s - AL3Implementation

1996 - LifeStandards

1998 XML (Life)

2002 +ConvergenceLife/P&C/RLC

2001 Reinsurance

2001XML (P&C)

Why Standards?g Decrease Costs

h Reduce time/cost to implement partner interfacesh Reduce data transaction/translation errorsh Reduce human intervention in routine biz processing

g Increase Sales/Revenueh Make it easier to do business with youh Decrease time to issue = fewer “not takens”

g Improve Serviceh Develop “single-view” of disparate systemsh Increase richness of shared informationh Reduce cycle time between upgrades in data share

Business Issues

g Proving Return On Investment (ROI)h Analysts: Celent: $250 million in savings

g Not a Single Quarter Investmenth Initially more expensive/time consuming

Ever-decreasing

Incremental Cost

# Implementations

Ever-increasing Incremental Cost

STANDARDS

CUSTOM

Cos

t

Conclusion - Why Standards?

g Standards Evolutiong Justificationg Return On Investment

©ACORD 2005.

ACORDP&C/Surety AL3

Standards Overview

Ed Voyek

Agenda - Standards Overview

g Your Projectg AL3 Background g AL3 Standards Organization

What is Your Project?

g What does it do?g What is your role?g What is the time frame?

ACORD P&C/Surety Electronic Standards

g ACORD Automation Level 1 (AL1)



g ACORD XML

ACORD P&C/Surety Electronic Standards

g ACORD Automation Level 1 (AL1)h AL3 Standard 930 Print Image Format

g ACORD Automation Level 2 (AL2)h AL3 Standard 401 Electronic Memo Structure

g ACORD Automation Level 3 (AL3)h A series of Standards that combine to form “One”

g ACORD XML

What is the AL3 “Standard”?g Multiple “Standards” that together form a wholeg Standards

h Data Groups8Data Elements

g Data Elements are basic units of informationh Ex. policy number, effective date, etc.

g AL3 Standards includeh instructions about usageh definitionsh implementation guides

AL3 Standards (High Level)

g Implementation Guidesg Personal Linesg Commercial Linesg Claimsg Accountingg Joint/Common and Technical

g Historically, these were all originally text files. All are now delivered in a Microsoft Access Database.

g Refer to the AL3 CD for historical documents.

Standards Numbering Scheme

g Implementation Guides = 200 seriesg Personal Lines = 300 seriesg Commercial Lines = 500 seriesg Claims = 600 seriesg Accounting = 700 seriesg Joint/Common and = 900 series

Technical

Standards Numbering Scheme and Shared Groups

g 900 series = Common/Technicalh 920 = Common Shared Groups

g 300 series = Personal Linesh 320 = Personal Lines Shared Groups 8(Insured Supplemental Group)

h 301 = Homeownersh 302 = Personal Auto8(Young Drivers Questionnaire)

g 500 series = Commercial Linesh 520 = Commercial Lines Shared Groups

Suggested Reading Material

A person unfamiliar with AL3 should review the Standards files in this order:

g 000 Standards Documentation Conventionsg 900 Element Groups and Data Elements

Structure, Conventions and Lists Standardg 921 Insurance Policy Transactions - Hierarchyg 910 Transaction Structure Standardg 920 Insurance Policy Transactions -

Common Groups

Conclusion - Standards Overview

g Your Projectg AL3 Background g AL3 Standards Organization

©ACORD 2005.

ACORDP&C/Surety AL3Structure Details

Ed Voyek

Agenda - Structure Detailsh Backgroundh Data Elements8Class

– Name Formats8Data Types

h Groups

In General…g Standards

h Groups8Elements

g Hierarchiesh Logical “tree” of various, related Groups

that together, make-up a given policy, claim, or accounting transaction

h Refer to I.G. 234 for complete display of hierarchies.

Data Elementsg An element is the smallest piece of data

collected and storedg Each ACORD element has these characteristics

h Unique ID (Group Sequence Number)h Reference Nameh Data Descriptionh Lengthh Classh Data Typeh Presence Codeh Full Description

g Data Structure is defined in Standard 900

ClassStandard 900 includes a complete list and definitions

g 5 Major Class Typesh Not Applicable (Class Column is Blank)

h Composite, Shown as ‘CM’ (not currently used)

h Coded8ACORD Coded – CD – Code List in Standards8Industry Coded – IC – From Outside Source8Yes, No – Y/N – Code is Y, N or blank

h Fixed Identifier, Shown as ‘FD’h Formatted (Data Element has internal Divisions)

Formatted Class TypesStandard 900 includes a complete list and definitions

g Full Date – DT8 – Formatted YYYYMMDDg Full Date – DT6 – Formatted YYMMDD

h Not valid for new Datesg Month & Year – D4Y – Formatted MMYYYYg Month & Year – D2Y – Formatted MMYY

h Not valid for new Datesg Time – TI – Formatted HHMM

h If Needed Seconds, Tenths May be addedg Phone # - PH – Formatted AAAPPPPPPPXXXX

h Area Code, 7 Digit Number, Extension

Formatted Class Types Continued

Standard 900 includes a complete list and definitions

g Whole Dollars – WDh Implied Decimal Point with Sign in Last Char.

g Dollars & Cents – DCh Implied Decimal, 2 Cent Char. with Sign in Last Char.

g Percentage – PCTh 3 Pos for Whole Percent with Implied Decimal Pointh As Many Char as needed for accuracy of Fraction Part

g Modification Factor – MODh 1 Pos for Integer Part with Implied Decimal Pointh 5 Pos for Fractional Portion

g Name Formats – NM h Detail to follow

The Four Name FormatsStandard 900 includes complete list and definitions

g P - Personalg C - Commercialg F - Familyg G - Generic

I S SP M J A N E

H C UPC

N M I TSA N

1 2 10

26 37

57

Note: First position of name indicates type of format being used.

Personal Name Format

42 © Copyright ACORD Corp.

O H N S M I T H D B A A B CC J

A B C S M I T H

A R D W A R EH

1 2

Commercial Name Format

53



R & M R B O N N I E A N DF D

J RO

I C H A E L P O LM L

1 2

Family Name Format

57

10



37

DB E N J A M I N F W A S H I N G TG

A B U C K I N G H A M

N A N D M A R Y A L Y CO E

1 2

Generic Name Format

60

31



32

Data TypesStandard 900 includes complete list and definitions

g Alphabetic (A)

g Alphanumeric (AN)

g Text (T)

g Numeric with implied decimals (Nn)

g Signed Numeric with implied decimals (Sn)

g All Upper Case alpha characters

g There is no “Mixed Case” in AL3 unless element is defined as “Text”

Group Names and Designators

g Basic Insured Information Group (BIS)

g Basic Policy Information Group (BPI)

g Personal Automobile Coverage and Adjustments Group (CVA)

g Dwelling Replacement Cost Group (REP)

Group Types and Designators

g Data Groups used in more than one line of business

g Data Groups used in one line of business*

g Data Extension Groups

g Control and Message Groups

* Some “6” Groups have been moved to a “shared” standard and are now used in more then one line of Business.

g 5BPI, 5VEH, 5CAR

g 6CVA, 6CVC

g 9BIS, 9AOI

g 1MHG, 2TRG, 3MTG

* 6CPO

Conclusion - Structure Details

g Backgroundg Data Elements

h Class8Name Formats

h Data Types g Groups

©ACORD 2005.

Ed Voyek

ACORD P&C/Surety AL3

Hierarchy & Headers

Agenda - Hierarchy & Headers

g A Policy Viewg Hierarchy

h Conceptual Levelsh Processing Levelsh Hierarchy Picturesh Numering

g Headersh Codingh 5BIS Header

g Hierarchy Flow

©ACORD 2005.

Your Declarationor Application Pages

Insured

Policy

5BIS

5BPI, 5PIG

Location5SSG, 5LAG, 5SLC

Unit At Risk5VEH, 6HRU, 5CAR, 6BAU

Coverages6CVA, 6CVH, 5CVG

ACORD AL3ACORD AL3HierarchyHierarchy

FiveFiveConceptual Conceptual

LevelsLevels

© Copyright ACORD Corp.

ACORD AL3ACORD AL3HierarchyHierarchy

FiveConceptual

Levels

F

G

B

JL

N

R

INSD

Policy

5BIS

5BPI, 5PIG

Location5SSG, 5LAG, 5SLC

Unit At Risk5VEH, 6HRU, 5CAR, 6BAU

Coverages6CVA, 6CVH, 5CVG

W

EightEightProcessingProcessing

LevelsLevels

Conceptual Level Rules

g Each conceptual level is associated with the conceptual level immediately preceding it.

g Therefore, a Unit-At-Risk group is associated with a Location group of some type, never to a policy level group.

g If needed, “Dummy” Groups may be created to preserve the hierarchy.

Processing Level Ranges

Conceptual Level

Processing Level Range

Level Group Name Group

Insured A - C B Basic Insured Information Group 5BIS

Policy E - G F Basic Policy Information Group 5BPIG Package Information Group 5PIG

Location I - O J State Summary Group 5SSGL Location Address Group 5LAGN Sublocation Group 5SLC

Unit at Risk Q - S R Vehicle Group 5VEH

Coverage V - X WPersonal Auto Coverage and Adjustments Group 6CVA


5VEH/5CAR 5VEH/5CAR

5BPI

9BIS

6CVA/5CVG6CVA/5CVG

5SSG / 5LAG

5BISB1

W1

R1

J1 / L1

F1

6CVA/5CVG 6CVA/5CVG

© CopyrightACORD

Corp.

5SSG/5LAG

5BPI

5RMKF3

J1/L1

9BIS5BISB1

F1

W1

R2

R1 5VEH/5CAR

5VEH/5CAR

5AOI 9AOI6PVH/6BVS

6PVH/6BVS

6CVA/5CVG

6CVA/5CVG

6CVA/5CVG

6CVA/5CVG

5SNG 5RMKB2

F2 5DRV/5SDV

5FOR5PAY5RMK 5DRV/5SDV

© CopyrightACORD

Corp.

Processing Level Numbering Schemes

g 1 is a Prime level g 2 - 9 are Non-prime levels

(or sub-levels)g Current standards go to level 4

Headers

g The hierarchy examples in the previous slides represent basic transactions. However, it is important to remember that the standards accommodate more complex situations.

g Header information allows the receiver to accurately create the relationships needed to construct the insurance transaction.

© CopyrightACORD

Corp.

RESERVED

5 IPB

GROUP DESIGNATOR

13 8

GROUP LENGTH FF

BB

GRPVERS

PARENT GROUP

IIACTION FLAG:FOR CHANGE PROCESSING ONLY

GROUPDESIGNATOR

SSIIBB55

PROC.LEVEL

B 1

PROC.LEVEL

FF 11

ITERATIONNUMBER

00 0 1

ITERATIONNUMBER

00 00 1100

Group Header (bytes 1-10)Header Extension (bytes 11-30)

RESERVED:

CHILD GROUP

10987654321

26252423222120191817161514131211

27 28 29 30

RESERVED

5 SIB

GROUP DESIGNATOR

71 2

GROUP LENGTH FF

11

GRPVERS

PARENT GROUP

IIACTION FLAG:FOR CHANGE PROCESSING ONLY

GROUPDESIGNATOR

PROC.LEVEL

PROC.LEVEL

BB 11

ITERATIONNUMBER

ITERATIONNUMBER

00 00 1100

Trick Question: 5BIS Group Header

RESERVED:

CHILD GROUP

10987654321

26252423222120191817161514131211

27 28 29 30

5VEH 5VEH

5BPI

6CVA6CVA

5LAG

5BISB1

W1

R1

L1

F1

6CVA 6CVA

Group Order: Parent/Child

1

2

3

4

5 6

7

8 9

Top-Down-Left-Right

Conclusion - Hierarchy & Headers

g A Policy Viewg Hierarchy

h Conceptual Levelsh Processing Levelsh Hierarchy Picturesh Numering

g Headersh Codingh 5BIS Header

g Hierarchy Flow

©ACORD 2005.

ACORDP&C/Surety AL3Control Groups

Ed Voyek

Agenda - Control Groups

g Data vs Control Groupsg Transaction Structureg Message Structureg Sequence Numbersg Header Codingg The Real Thing

1MHG

2TRG2TCG5BIS5BPIEtc.

Message Header Group (control group)

3MTG

Transaction#1

} control groups (transaction start)

} data groups

© CopyrightACORD

Corp.



} data groups

Message Trailer Group (control group)

Transaction#2

Transaction Structure Overview

g Three Components of Every TransactionhTransaction Header Group, 2TRGhTransaction Control Group, 2TCGhData Element Group(s)

Transaction Header Group – 2TRGg One must be sent for each transaction

g Defined in Standard 910

g Components are in Appendix

Transaction Control Group – 2TCGg Contains Standard Version Numbers

g Included in every transaction

g Non-ACORD Standard Versions included

g No Fixed sequence

g No blank slots

Message Header and Trailer Groups

g Message Header Group (1MHG)g Message Trailer Group (3MTG)

1MHG


Message Header Group (control group)

3MTG

Transaction#1


} data groups

© CopyrightACORD

Corp.



} data groups

Message Trailer Group (control group)

Transaction#2

Sequence Numbers (1MHG & 2TRG)g Example: You are downloading AL3 files on a daily

basis and let’s assume they’re all renewals at a pace of 10 per day.

g Each daily message and the individual transactions within are assigned a sequential number

11-201-102TRG19Transaction Sequence Number

211MHG07Message Sequence Number

Day 2Day 1

Sequence Numbers (1MHG & 2TRG)g Two sets of counters

h 1MHG07 (message)h 2TRG19 (transaction)

g Agency Management System Useh Receivers track these numbers and if a number is

skipped or missing, report it on an AL3 import report to the agency.

h This serves as a flag to the agency that they may have some how missed some data that was sent by the insurer.

Control Group Headersg 10 byte headers (not 30 bytes like data groups)

RESERVED

1 GHM

GROUP DESIGNATOR

71 6

GROUP LENGTH FF

66

GRPVERS

10987654321


2TRG201 40 3P CAUTO FMGBN ABC INS. ABC Insurance carrier 0001 0001 10009807161000 980222 PCH 00000000D 2TCG135 90050910709171092051921309302093310937205013252031 5BIS172 B10001 CABC Hardware 123456788 ??????????????????????????????CP 9BIS168 B10001 258 CHARLES STREET LUZERNE PA18709 ???????????????????????????? 5BPI240 F100015BISB10001 BA 12345678 123456AUTOBVOL 98022299022201 19980222???00000115000+00000000000+Y??AAG?E?????????????????????????????????????????????????????????????????????????????????????????AAG? 5FOR199 F200035BPIF10001 000CA9944 LOSS PAYABLE CLAUSE 931201???????????????????????????????????????????????????????????????????????????????? 5PAY101 F200015BPIF10001 BM??????????????00006??0200 ????????????????????????? 6BRT086 F200015BPIF10001 PA?????????????????????N00010001???? 6CAS140 F200015BPIF10001 98022201 07 07 07 07 6SDV221 F200015BPIF10001 0001????CJohn Smith 12345698 PA0001???????????????????????????????????????????????????????????M??????????????19460823????6SDV221 F200025BPIF10001 0002????CPaula Jones 12345879 PA0002???????????????????????????????????????????????????????????F??????????????19471007????5SSG052 J100015BPIF10001 PA 5CAR233 R100015SSGJ10001 0001????1995LINCOL LINCOLN CONTINENT PPRC 1LNLM97V3FY673744 ??008 0022500+? 01?????????????? LUZERNE PA18709 ?????????????????????????????????????????????? 5AOI186 R200025CARR10001 010LP01NCFRANKLIN FIRST SAVINGS BANK AI??????????????NN ??????????????????????????????? 9AOI168 R200025CARR10002 10 Elm Street Pittsburg PA123698 5FOR199 R200085CARR10001 010AU154 AMENDMENT OF POLICY PROVISIONS 910101???????????????????????????????????????????????????????????????????????????????? 6BVS199 R200015CARR10001 ??????????N739130 ????????? ??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????6CVC178 W100015CARR10001 CSL 00000047400+00300000 6CVC178 W100025CARR10001 UMISG00000000800+00300000 4 6CVC178 W100055CARR10001 COMP 00000012100+ 000100A 6CVC178 W100065CARR10001 COLL 00000046300+ 000250A 5CAR233 R100025SSGJ10001 0001????1996Mercedes Benz Sedan PPRC 12789848789756165 ??008 0022500+? 01?????????????? LUZERNE PA18709 ?????????????????????????????????????????????? 6BVS199 R200025CARR10002??????????N739130???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????6CVC178 W100095CARR10002 CSL 00000047400+00300000 6CVC178 W100105CARR10002 UMISG00000000800+00300000 4 6CVC178 W100135CARR10002 COMP 00000012100+ 000100A

6CVC178 W100145CARR10002 COLL 00000046300+ 000250A

The Real ThingThe Real Thing

Conclusion - Control Groups

g Data vs Control Groupsg Transaction Structureg Message Structureg Sequence Numbersg Header Codingg The Real Thing

Agenda - Implementation Issuesg To space or not to space ... ???g Use of 5RMK, 5GNA, 5ACT & 2GCG groupsg Transaction Structure g Versioningg Deleting Data Elementsg How to handle carrier unique datag Coverage Matrixg Transaction Balancing (Premiums & Other Amounts)g Personal Lines Topicsg Commercial Lines Topicsg Common Topics

A Business Decision (spaces or question marks ...)Refer to: Standard 937, Topic 2.1.1 Use of Question Marks

Personal Auto: New Business:Comprehensive Coverage Deductible 250Full Glass option applies Option Code G

At Renewal: Remove the Full Glass Option

1. Carrier’s Renewal (with question marks)Comprehensive Coverage Deductible 250Full Glass option Option Code ????

Agency SystemComprehensive Coverage Deductible 250Full Glass option applies Option Code G (incorrect!)

2. Carrier’s Renewal (with spaces)Comprehensive Coverage Deductible 250Full Glass option Option Code

Agency SystemComprehensive Coverage Deductible 250Full Glass option N/A Option Code


The Remarks Group – 5RMK

g Allows for attachment of general text in any situation

g Can apply to an entire group

g Can apply to a particular data element

g Implementation

g Communicating Pairs

The General Name/Address Group – 5GNA

g Purpose

g Implementation (similar to 5RMK)

g A1, A2, etc. data elements and REFID

The Policy Activity Group – 5ACT

g Purpose

g Optional group / download use only

g Iterates (use as many as necessary)


The Group Control Group – 2GCG

g Control Group - intent

g Order in transactionh 2TRG / 2TCG / 2GCG (multiples permitted)


Transaction Structureg Full Image Processingh Send all data all the time

g Partial Image Processing (Std. 938)h Send one “leg” of data when changed h Most often used for package policies

g Change Data Only Processing (Std. 932)h Send only the changed information

Versioningg Standard Version

Controlh Each standard has a

version number & a revision number

h As standards change the version or revision number increases

h Standards are downward compatible

g Group Version Controlh Allows for the newer

version of a single data group while using an older version of a standard

See Implementation Guide 230 for details on Standard Versioning

Deleting Data Elements

g Deleted elements are held in placeg Groups always grow; they never shrink.g There are two types of Deletes:h Delete element completelyh Delete and Add new one as

a Replacementg See Implementation Guide 230 for Rules

Types of Deletes1. Delete element completely

h Reference ID changes to ‘ZZDEL’h Description changes to “Deleted -

(old description)”h Definition adds MR explanation as to why it

was deleted2. Delete and Add new one as a Replacement

h Reference ID changes to ‘ZZMOV’h Description changes to “Deleted -

(old description) (See xxx)”h Option: Send data in old and new element?

Company Unique Data

g Codesh Used in IC and CD code lists

g Data Groups/Elementsh Follow same structure as ACORD Data Element

groups, e.g. data starts in position 31.h Follow same header constructionh Group must begin with a letter rather than a

number

Coverage Matrix

Purposeg You know the coverage code …butg What other data elements should be

sent????g Identifies data elements and options

codes that should/could be sent

Transaction Amounts

g 5BPI – Total Transaction Amountsh 5BPI11 – Current Term Amounth 5BPI12 – Net Change Amount

g 6CVH – Coverage & Adjustment Amountsh 6CVH – Full Term Premiumh 6CVH – Net Change Premium

Premiums or other charges (Credits or Surcharges) are summed in the Coverage Groups for the total in the Policy Group

Personal Lines Topics

g Rejected Coveragesh 6CVA15 (option code 1) = ‘RJ’h 6CVH19 (first type of code) = ‘RJ’

g Driver Schedule (5DRV = F2 level)g Implementation Guide 210g Violations/Accidents (6PDA = F2 level)g Homeowners Package vs. Mono-lineg Inland Marine (Implementation Guide 225)h Communicating Pairs

Commercial Lines Topics

g 5CVG – Commercial Lines Coverage Groupg Commercial Auto - Multiple Hierarchies

h F2 - 5DCV, W1 - 5PIN and 6CVC (most common)h F2 - 5DCV, W1 - 6CVC onlyh Auto F2 - nothing, W1 - 6CVC (no 5PIN's)h All three examples above are pre-5CVG; hence

use of the 5CVG introduces more options.h Check with your trading partners to determine

what they have implemented or expect to receive from you.

Common Implementation Topics

g Vendor Uniquenessh Standard provides conceptual maximumhWhat did the vendor implement?hWhere are the gaps?

Conclusion - Implementation Issuesg To space or not to space ... ???g Use of 5RMK, 5GNA, 5ACT & 2GCG groupsg Transaction Structure g Versioningg Deleting Data Elementsg How to handle carrier unique datag Coverage Matrixg Transaction Balancing (Premiums & Other Amounts)g Personal Lines Topicsg Commercial Lines Topicsg Common Topics

Agenda - Appendixg Data Standards Listg Technical Standards Listg Implementation Guides Listg Certification g Questions

AL3 Data Standards

STD.# ContentCommon Data Standards

920 Insurance Policy Transactions - Common Groups922 Insurance Policy Payment923 Flood Data Standard925 Codes and Coverage Matrix

300 - Personal Lines Series

320 Personal Lines Shared Data Element Groups301 Homeowners/Dwelling Fire/Inland Marine/Watercraft302 Automobile

AL3 Data StandardsSTD.#Content500 - Commercial Lines Series520 All Commercial Lines of Business501 Automobile/Truckers502 Workers Compensation503 General Liability504 Property505 Crime507 Boiler & Machinery508 Inland Marine509 Garage & Dealers510 Umbrella513 Surety514 Directors & Officers

AL3 Data Standards

STD.# Content600 - Claims Series601 Notice of Loss602 Claim Financial603 Claims Status/Payments Download

700 - Accounting Series701 Account Current702 Policy Account703 Direct Bill Commission Statement704 Direct Bill Status

Technical StandardsSTD.# Content000 Standards Documentation Conventions010 Data Dictionary030 Loss History Standard900 Element Groups & Structures- RULES910 Transaction Structures917 Data Base Synchronization921 Policy Hierarchy925 Code List Standard

Technical Standards (continued)

STD.#Content930 Print Image - AL1931 New Business Transaction Processing932 Policy Change933 Renewal & Cancellation934 Quotation Processing935 Certificate Notification937 Policy Image Download938 Split & Partial Policy Image940 Downloading carrier Edits950 Insurance Workstation

Technical Standards (continued)

STD.# ContentMiscellaneous401 Electronic Mail (Not used)430 MVR Ordering 432 Replacement Cost Systems Data Standard

Implementation Guides210 Personal & Business Automobile State Issues211 Personal Umbrella & Excess212 Personal Lines Implementation of Additional Residences213 ACORD Homeowners Coverage Code to

ISO Forms Comparison214 Business Owners Policy (BOP)215 Massachusetts Auto Implementation Guideline216 Year 2000218 Motor Vehicle Report Information219 Error Notification222 Cancellation of Package Policy225 Personal Inland Marine226 Surety Standard

Implementation Guides (cont)227 Change Processing229 Defensive/Mature Driver Accident Prevention Course230 ACORD AL3 Standards Versioning Conventions231 Commercial Lines Coverage Group 234 ACORD AL3 Hierarchies235 Surety Electronic Bond Request & Approval236 Commercial Lines Data Quality & Download237 Policy Commission Download

Certification

Why Certify?

g Member Benefitg Get to advertise conformanceg Should help leverage your partnersg Provides a third-party opinion on

conformanceg If everyone conforms, then integration is

easierg Quiz your vendors - two different statements

h We implement ACORDh We are certified by ACORD

OARS: Online Adoption Report & Surveyg Opportunity to report your implementation

activities to ACORDg Reports available for download from webg http://www.acord.org/Resources/im_reports.aspxg Content sorted by:

h Organization & Implementation/Business Message


Questions?http://www.acord.org

Ed Voyek (Technical Architect)[email protected]

or Ext. 476

Two Blue Hill Plaza, 3rd FloorPearl River, NY 10965-8529

845-620-1700

AAssociation forCCooperative OOperations

RResearch and DDevelopment

Conclusion - Appendixg Data Standards Listg Technical Standards Listg Implementation Guides Listg Certification g Questions

acord p&c/surety al3 standards training

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