vocabulary: "1.0.0" info: provider: ACORD description: >- Vocabulary covering the ACORD Next-Generation Digital Standards (NGDS) API taxonomy, mapping operational dimensions (resources, actions, schemas) and capability dimensions (workflows, personas) for the insurance data exchange ecosystem. created: "2026-04-19" modified: "2026-04-19" operational: apis: - name: ACORD NGDS API namespace: acord-ngds version: "1.0.0" baseUrl: https://api.insurer-internal.example.com/ngds status: active resources: - name: policies apis: [acord-ngds] actions: [list, create, get, update] description: Insurance policy contracts with coverages, insured parties, and lifecycle management - name: claims apis: [acord-ngds] actions: [list, submit, get] description: Insurance claims including first notice of loss, reserves, and payment tracking - name: parties apis: [acord-ngds] actions: [list, create] description: Insurance parties including insureds, claimants, agents, brokers, and carriers - name: underwriting-submissions apis: [acord-ngds] actions: [submit] description: Underwriting applications for risk assessment and policy issuance actions: - name: list httpMethod: GET pattern: read description: Retrieve paginated collections of resources with filtering - name: get httpMethod: GET pattern: read description: Retrieve a single resource by identifier - name: create httpMethod: POST pattern: write description: Create a new resource entity - name: update httpMethod: PATCH pattern: write description: Partially update an existing resource with endorsements or amendments - name: submit httpMethod: POST pattern: write description: Submit a transaction (claim FNOL, underwriting application) for processing schemas: core: - name: Policy description: ACORD NGDS insurance policy object with coverages and insured party keyProperties: [policyId, policyNumber, lineOfBusiness, status, effectiveDate, expirationDate, premiumAmount] - name: Claim description: ACORD NGDS claim object with loss details, reserves, and payment tracking keyProperties: [claimId, claimNumber, policyId, status, lossDate, reserveAmount, paidAmount] - name: Party description: ACORD NGDS party object representing insureds, agents, brokers, or carriers keyProperties: [partyId, partyType, firstName, lastName, organizationName, address] - name: Coverage description: Insurance coverage within a policy with limits and deductibles keyProperties: [coverageId, coverageType, limit, deductible, premium] - name: Address description: Physical address for parties and loss locations keyProperties: [street1, city, state, postalCode, country] transactions: - name: UnderwritingSubmission description: Insurance application submitted for underwriting review keyProperties: [lineOfBusiness, applicant, requestedEffectiveDate, riskDetails] - name: UnderwritingSubmissionResponse description: Response to an underwriting submission with status and notes keyProperties: [submissionId, status, submittedAt, notes] parameters: identifiers: - name: policyId description: Unique internal policy identifier - name: claimId description: Unique claim identifier - name: partyId description: Unique party identifier filters: - name: policyNumber description: Carrier-assigned policy number filter - name: insuredPartyId description: Filter policies by insured party - name: lineOfBusiness description: Filter by insurance line (PropertyCasualty, Life, Annuity, Reinsurance) - name: status description: Filter by resource status - name: partyType description: Filter parties by type pagination: - name: page description: Page number for paginated results - name: pageSize description: Number of results per page (max 100) enums: lineOfBusiness: - PropertyCasualty - Life - Annuity - Reinsurance policyStatus: - Active - Lapsed - Cancelled - Pending - Expired claimStatus: - Open - Closed - Pending - Denied - Paid partyType: - Insured - Claimant - Agent - Broker - Carrier underwritingStatus: - Received - UnderReview - Approved - Declined - RequiresMoreInfo authentication: schemes: - name: oauth2 type: OAuth2 flow: clientCredentials scopes: - read:policies - write:policies - read:claims - write:claims - name: bearerAuth type: Bearer format: JWT capability: workflows: - name: Insurance Data Exchange file: capabilities/insurance-data-exchange.yaml description: Unified ACORD NGDS workflow for policy, claims, party, and underwriting apisCombined: [acord-ngds] toolCount: 10 personas: [Insurance Carrier, Broker, Reinsurer] personas: - id: insurance-carrier name: Insurance Carrier description: Primary insurer managing policy issuance, claims, and underwriting workflows: [Insurance Data Exchange] - id: broker name: Insurance Broker description: Intermediary managing client policies, claims submissions, and party records workflows: [Insurance Data Exchange] - id: reinsurer name: Reinsurer description: Reinsurance company accessing cedant data for risk assessment and settlement workflows: [Insurance Data Exchange] domains: - name: Policy Administration resources: [policies, coverages] description: Full lifecycle management of insurance policies from issuance to expiration - name: Claims Management resources: [claims] description: First notice of loss, reserves, and payment tracking for insurance claims - name: Party Management resources: [parties] description: Registry of all insurance parties including insureds, agents, and carriers - name: Underwriting resources: [underwriting-submissions] description: Risk assessment and policy issuance decision workflows namespaces: - name: acord-ngds type: consumed description: ACORD NGDS REST API - name: acord-insurance-api type: rest-exposed port: 8080 - name: acord-insurance-mcp type: mcp-exposed port: 9090 binds: - name: ACORD_BEARER_TOKEN description: Bearer token for ACORD NGDS API authentication workflows: [Insurance Data Exchange] crossReference: - resource: policies operations: [list-policies, create-policy, get-policy, update-policy] workflows: [Insurance Data Exchange] personas: [Insurance Carrier, Broker] - resource: claims operations: [list-claims, submit-claim, get-claim] workflows: [Insurance Data Exchange] personas: [Insurance Carrier, Broker, Reinsurer] - resource: parties operations: [list-parties, create-party] workflows: [Insurance Data Exchange] personas: [Insurance Carrier, Broker] - resource: underwriting-submissions operations: [submit-underwriting] workflows: [Insurance Data Exchange] personas: [Insurance Carrier, Broker]