Member Reports - Acord

www.acord.org
Membership Report
NEW YORK
One Blue Hill Plaza
Pearl River, New York 10965
USA
Tel.: +1 845 620 1700
Fax: +1 845 620 3600
© 2011 ACORD Corporation. All rights reserved. The ACORD name and logo are registered marks
of ACORD Corporation. All other marks are the property of their respective owners.
LONDON
London Underwriting Centre
Mincing Lane
London EC3R 7DD
Tel.: +44 (0) 20 7617 6400
Fax: +44 (0) 20 7617 6401
2013
a

2012 HIGHLIGHTS
MEASURING THE VALUE OF STANDARDS HAS SHOWN THAT COMPANIES CAN SAVE
AT LEAST ONE BILLION DOLLARS IMPLEMENTING ACORD, WITH POTENTIAL TENS OF
BILLIONS TO FOLLOW.
• New and revised data standards, forms and guidelines
throughout all areas of the global insurance industry
• The new agile approach to standards development brings
“on-demand” updates to several of our user groups,
freeing them from the traditional six-monthly publication
cycle – a more responsive ACORD for an always-on world
• ACORD activity increases in Australia and Southern
Africa, with significant benefits impacting business
in both regions
• Participation and knowledge sharing grow with additional
support in training and professional recognition
• The global insurance industry’s very best events, bringing
people together as standards unite us all
It’s my great pleasure to welcome you to this year’s Member Report.
I’m sure that, like me, you have a variety of impressions from the year
just passed, so it’s good to be reminded of the big picture – and
some of the achievements we might have missed the first time around.
Working hard in our own neighborhoods, we don’t always hear what’s
happening down the street, let alone the other side of the world. As
business grows ever more connected, staying in touch with the developing scene is more important
than ever.
ACORD’s work continues to grow in scope, depth and geographic reach. Yet, as this report shows,
the ACORD community is evolving to meet the industry’s changing needs. ACORD has an impressive
record of adapting to change by welcoming the new while preserving the best of the old. This approach
goes to the heart of what standards are all about: partners agreeing on what they have in common
and recognizing where they diverge.
It’s a philosophy that means we get maximum benefit from collaboration in day-to-day transactions
while also deepening and strengthening our relationships. That’s not bad for an organization that’s
as happy to be known for its time- and money-saving forms as its role in, say, bringing European
reinsurers together.
We’ve peppered the report with quotes as a reminder that nothing happens around standards without
all the dedicated people who create, maintain, communicate and implement them. ACORD is its
members. Behind every single advance reported in this document, you’ll find committed individuals
and teams who believe standards are a vital part of our industry’s health, and a guarantor of its
successful future.
To all of those people, on behalf of the global insurance industry, I offer my thanks, my continued
support and, well, my awe. You make an incredible difference. You make standards live.
Sincerely,
Gregory Maciag
President and CEO
FROM THE CEO
3

OUR MISSION
OUR VISION
ACORD (Association for Cooperative Operations Research
and Development) is a global, nonprofit organization serving
the insurance industry. We facilitate the development of
open consensus data standards and standard forms, and
work with our members and partner organizations to drive
implementation of those standards.
Implementing ACORD Standards has been shown
to improve data quality and flow, increase efficiency,
and realize billion-dollar savings to the global insurance
industry. ACORD members worldwide include hundreds of
insurance and reinsurance companies, agents and brokers,
software providers, and associations.
ACORD envisions an insurance industry that embraces a global
and enterprise view of information, in which relevant business
solutions all include or provide for ACORD Standards. ACORD
wants all trading partners to be able to easily exchange
information.
Our vision includes implementation of best practices for enterprise
architecture, including systems made up of interchangeable
components based on ACORD Standards that provide a 360-degree
view of people, organizations, and risks. Products and services
built using these components will be highly configurable and will
enable a wide range of consistent transactions and processes
across the entire insurance value chain.
ACORD also produces events, videos, research papers and
seminars on standards implementation as well as current
technology and business topics. We have offices in New York
and London.
2
3

#STANDARDSMATTER
CONNECTING THE DOTS
STANDARDS .................................................... 6
NEW INITIATIVES ................................................................6
LIFE & ANNUITY PROGRAM. .......................................................9
PROPERTY & CASUALTY PROGRAM ................................................10
GLOBAL REINSURANCE & LARGE COMMERCIAL PROGRAM .............................11
“THE FUTURE OF THE INSURANCE INDUSTRY IS HERE TODAY. WE’RE GLOBAL,
WE’RE EMBRACING TECHNOLOGY, AND WE’RE UNITING TO CREATE A COMMUNITY
BASED ON FAST, EFFICIENT PROCESSES AND CLEAR COMMUNICATION. ACORD
STANDARDS ARE A CORNERSTONE ON WHICH THAT COMMUNITY STANDS.”
-JOHN LEONARD
MAINE EMPLOYERS’ MUTUAL INSURANCE COMPANY (MEMIC)
ACORD BOARD CHAIR
AUSTRALIA PROGRAM ..........................................................12
WORKERS’ COMPENSATION REPORTING PROGRAM ...................................12
SOUTHERN AFRICA PROGRAM ....................................................13
FRAMEWORK .................................................. 14
FORMS ...................................................... 16
ACORD IN ACTION .............................................. 18
EDUCATION. ..................................................................18
“THE VALUE OF STANDARDS IS CLEAR TO EVERYONE ACROSS OUR INDUSTRY,
FROM THE C-SUITE TO THE BACK OFFICE. I URGE YOU TO WORK WITH ACORD
TO LEARN BEST PRACTICES FOR IMPLEMENTATION. STANDARDS ARE A WIN-WIN
FOR ALL OF US.”
-LAWRENCE BLAKEMAN
ACORD BOARD VICE-CHAIR
AROUND THE GLOBE ...........................................................19
AUGIE .......................................................................19
VOLUNTEER @ ACORD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20
PARTICIPATION ................................................................21
ADVOCACY ................................................... 22
COMMUNICATIONS .............................................................22
EVENTS ......................................................................23
INDUSTRY & GOVERNMENT AFFAIRS ...............................................25
INSIDE ACORD ................................................ 26
BOARD OF DIRECTORS ..........................................................26
KEY STAFF. ...................................................................28
PARTICIPANT LIST ..............................................................29
4
5

8
agile Standards Development Organization
ACORD has embraced an agile standards development environment to better serve its membership.
The goals are simple:
• More effective standards, developed faster
• Unity: standards that work across multiple lines of business and geographies.
The agile approach has enabled ACORD to respond more quickly to member needs and issues. Some
highlights of the new standards approach include:
Transaction Specifications: These detailed messages enable more consistent implementation. Several
have been published and many more are in the pipeline.
The Standards Architecture Advisory Group (SAAG): The former Common Services program has been
renamed and expanded to include involvement in implementation, Framework and technical activities across
all lines of business and standards programs.
On-Demand Standards Cycles: The Australia, GRLC, Southern Africa and Workers’ Compensation Reporting
programs are all following agile “on demand” development cycles rather than the previous fixed 6-month
cycles. This allows us to respond rapidly to users’ requests, make draft standards available for use and
review, and publish standards when they are actually needed.
New Initiatives
ID Federation
Agents have to interface with multiple insurance
companies, and each of those companies has its
own rules around password management. The ID
Federation hopes to create an environment where
agents can manage passwords through their own
agency management systems that allow them to
access multiple insurance companies. ACORD and
the ID Federation are working to develop a single
sign-on solution.
Mobility
Mobile apps are a growing trend. Because ACORD
Standards allow connectivity between two systems,
they can play a major role in the way in which apps
are used.
ACORD is working to enhance the usability of
ACORD Standards in mobile apps and is developing
a community to explore what can be done to use
mobility effectively.
Exposure Reporting
Exposure reporting allows an insurance company
to understand its risk on a large scale, manage its
reserves and respond effectively to global events.
ACORD has been developing exposure reporting
standards and is in the pilot phase of exposure
reporting. Feedback from the pilots about how data
is being used and what data elements need further
clarification will help ACORD chart an appropriate
course to best serve industry needs.
e-Signatures
ACORD released a new Strategic Analysis
on eSignatures and e-Delivery developed in
collaboration with international law firm Locke
Lord LLP.
The document provides an overview of the legal
requirements and best practices for implementation.
It serves as a foundational document for
insurers and producers by fostering a greater
understanding of the legal requirements for
both Electronic Signatures and electronic
delivery of documents, provides definitions
of commonly used terms and addresses
subjects such as record retention and
admissibility of evidence in court.
WITH ACORD’S UNIQUE
ROLE IN THE INDUS-
TRY, WE FELT THAT
E-SIGNATURES WAS AN
AREA IN WHICH WE
COULD HELP BRING
PARTIES TOGETHER,
AND IT FITS NICELY
INTO OUR 2020 VISION OF INCREASED
IMPLEMENTATION.
- MARCIA BERNER, ACORD
2020
“2020” is a reference to perfect vision. It’s
also a reference to the calendar, but it won’t
take till then to realize the ACORD vision.
It’s already happening.
The ACORD 2020 initiative identifies new
standards implementation opportunities
and helps drive those implementations.
ACORD’s 2020 Advisory Committee
includes representatives from across
the industry. They reach out to diverse
communities to identify challenges and
obstacles to standards implementation.
The data helps the committee to develop
strategies to improve the implementation
process.
Value-To-Members Project:
ACORD saves Billions
How do you measure the value of
standards implementation – in dollars, in
time savings and in effective deployment
of resources?
ACORD has engaged Douglas Hubbard,
author of the bestseller How to Measure
Anything to spearhead a project that
demonstrates the value of standards
implementation.
Hubbard and his team worked with ACORD
member companies who have completed
implementation projects. Each company
was asked to estimate cost savings and
other benefits of implementation. Hubbard
used that information to construct a model
that allowed him to determine a range
of potential values for the benefits per
implementation by company.
This data allowed Hubbard to compute
a range of potential implementation
values for the industry as a whole. Based
on his findings, Hubbard estimated that
ACORD Standards implementations save
the insurance industry at least one billion
dollars, and as companies continue to
increase their standards projects, the value
of ACORD implementation to the industry
could grow to tens of billions per year.
WE’VE DONE A LOT OF
WORK ON RESEARCH AND
DEVELOPMENT, AND
WE’RE DOING WORK ON
METRICS THAT SHOULD
REALLY BENEFIT ACORD
MEMBERS AND ALL
THE PARTNERS IN THE
VALUE CHAIN OF OUR INDUSTRY.
– SPERO ZACHARIAS
SVP, CHUBB
RELATIONSHIP AND
IMPLEMENTATION
SERVICES
The ACORD mission includes providing
services that guide members toward
easier and more accurate standards
implementation. ACORD’s Relationship
and Implementation team works to
understand members’ priorities and
provide the support they need.
ACORD began a formal research and
development effort in 2012 to identify
potential new standards initiatives and
explore other industry priorities, even
those not directly related to standards
implementation. One example is telematics:
what began as a member’s suggestion
became a formal working group that is now
developing standards for telematics data
exchange.
As another service, ACORD created a
Value-to-Member model designed to help
measure the value of implementing ACORD
standards. The model has been piloted and
will be made more widely available to
members over time.
9

ACORD has also formalized its communities
by uniting groups who share goals that can
be met through standards implementation. In
2012 ACORD brought together organizations
including the Agents Council for Technology
(ACT), the National Association of Professional
Surplus Lines Offices (NAPSLO), the American
Association of Managing General Agents
(AAMGA), and several software providers to
develop a standard for requesting and providing
rates for General Liability that is now available
for use. ACORD published a Strategic Analysis
on electronic signatures, and is working with
independent agents, carriers, and providers to
advocate for the use of electronic signatures in
their businesses.
The relationship team hosted multiple
webinars to update members on a range of
ACORD activities including ACORD 2020,
ACE, Framework, Testing and Certification and
standards development. Team members traveled
to member companies and conducted detailed
discussions about specific challenges and
implementation opportunities.
Heading into 2013, the Relationship and
Implementation team continues to work closely
with members to ask questions, uncover
opportunities to expand ACORD’s services, and
hear their business priorities firsthand.
Life & Annuity
The Life and Annuities program serves a complex business area with useful
products and business rules. Coordinating the different viewpoints of all
participants to produce standards everyone can use is challenging but immensely
valuable. ACORD L&A standards continue to drive growth and efficiency across
the industry.
Product Modeling
Working Group
In keeping with ACORD’s agile
Standards Development principles
to develop more broadly applicable
standards, the Life & Annuity
Steering Committee became the
Product Modeling Working Group,
focused on all product modeling
within the program.
The group continued work on
Underwriting Guidelines within the
Life & Annuity XML Standards this
year with the addition of uninsurable
guidelines and location-specific
restrictions and financial guidelines
along with new transaction specs to
enable data transport. These
guidelines will improve the electronic
application submission process by
allowing producers to better predict
the underwriting class for each
carrier and product.
DOC Send
An eDocument Delivery Team
worked to update the Document
Send and Document Send Status
transaction specifications, which
provide rules for electronic delivery
of documents and improved
processes to reduce errors.
Transaction
Specifications
@ACORD_LA
The Employee Benefits Working
Group developed the census
transaction. There are more than 30
acord.org/la
draft transaction specifications in
development for Life & Annuity.
Underwriting Guidelines
The Product Modeling Working
Group took the next step to build on
Underwriting Guidelines within the
L & A XML Standards by tackling a
model for uninsurable or “outright
rejection” guidelines.
The guidelines will improve the
electronic application submission
process by allowing producers to
better predict the underwriting class
for each carrier and product.
The remaining effort includes
guidelines for financial information
and suitability, the transactions
needed to support implementation,
and clarifications to modeling of
the tables used in connection with
underwriting.
ACORD and SILA
ACORD and the Securities and
Insurance Licensing Association
(SILA) have been working together
to revise existing ACORD L&A and
P&C forms to address the needs of
both lines. SILA and the ACORD Life
& Annuity Forms and Data Mapping
Working Group are working to create
a new draft of form 821, the Producer
Information Form, which allows
producers to submit a single form
to multiple carriers whenever they
initiate or change the status of their
relationship with an insurer.
“I hope to create a
strong
partnership
with ACORD that creates
innovative
solutions
to industry challenges
and moves the industry
forward.”
- Chris McDaniel
SVP of Operations and
Technology, IRI

@ACORD_PC
acord.org/pc
@ACORD_RE
acord.org/re
Property & Casualty
With fast-changing regulatory and market requirements, maintaining standards in the Property and
Casualty sector requires real attention to detail along with an eye to coming innovations. The P&C
program embodies a mature approach to developing and implementing standards – and a forum that
ensures every voice is heard.
Premium Bordereau
ACORD developed a premium bordereau P&C
XML transaction to report all of the new business
created on a company’s behalf to a reinsurer. That
transaction can now be done with XML, replacing
spreadsheets.
Certificates
The P&C Certificate Forms working group
determined that a single form would best serve
the industry’s needs in the energy and marine
sectors. The new ACORD 31, Certificate of Marine
and Energy Insurance was approved, filed in
various states and published.
The Insurance Industry Committee on Motor
Vehicle Administration (IICMVA) Working Group
revised and published an XML message that
allows Departments of Motor Vehicles to use an
ACORD Standard as well as the ANSI Standard
to support its Online Verification system.
The group will develop a Financial Responsibility
Certificate XML message for the IICMVA that
COMMERCIAL LINES DOWNLOAD
will confirm the driver has insurance in force at
all times based on the driver’s information. The
group is considering expanding to other financial
responsibility requirements related to drivers.
Telematics
The Commercial Lines Download initiative
continues to gain momentum among
insurers and agencies. ACORD is currently
assessing the scope of documentation to be
produced and the criteria for defining the minimum
data sets for each message.
The group formerly known as the 2020 Telematics
Working Group is now called the Property &
Casualty Telematics Working Group, and is
exploring ways to standardize transactions that
transmit telemetry data acquired on behalf of
a policy holder between the telematics service
provider’s source of data and the insurer.
Transaction Specifications
The P&C program will continue to focus on
transaction specifications, and plans to release
eight to ten new specifications in the coming year.
There are three core working groups focused
on the ACORD AL3 standard, on XML, and on
forms along with specialty working groups.
Global Reinsurance &
Large Commercial Program
Global Reinsurance and Large Commercial lines involve many unique deals, but
the sector is alive to the underlying commonalities that can be encapsulated in
standards so that every participant can work smarter. The GRLC program is not
just a source of trusted, robust standards but also increasingly recognized as a
unique shared knowledge center for the sector.
Cedent Bordereau
ACORD completed a new cedent
bordereau standard that slashes the
time required for processing loss
information from ceding companies.
It is usually provided on paper
to support accounts produced by
cedents for each of their treaties.
With an eye on practicality, the
standard takes the form of a
standardized spreadsheet, as well as
an XML message format for cedents
with advanced systems.
This is the culmination of an
original idea from the ACORD
US Reinsurance Committee, and
plenty of hard work by volunteers
from Travelers, Guy Carpenter, and
Partner Re in running a live pilot.
Partner Re reported that using the
standard reduced the time required
to process an account by 10 days.
e-Accounting
ACORD launched an e-Accounting
initiative to implement ACORD
messages for premiums and claims
processing and settlement.
50 brokers and insurers met in
London to discuss the business
case for implementing ACORD
e-Accounting messages. Companies
can start receiving e-Accounting
messages almost immediately
using existing software with little
to no capital outlay. This initiative
has already been implemented by
firms including Generali, Zurich,
QBE, Price Forbes, Transatlantic Re,
Allianz, ACE, XL Insurance. Chubb,
Chartis, Marsh, JLT and UIB are
testing or have plans to implement.
Reinsurers participating in the
Ruschlikon project, including Swiss
Re, SCOR and Munich Re, have
reported a 30 percent reduction in
back office costs. Figures from XL
Insurance suggest premium payment
times improved by between 15 and
17 days. E-Accounting also helps
eliminate unmatched cash, which is
increasingly a concern of regulators
worldwide.
“The adoption of ACORD
Standards in emerging
geographies will help
new insurance markets
benefit from the same
efficiencies
already
seen in established
markets
worldwide.
Our members operate
globally, and so does
ACORD.”
- Mark Barwick
ACORD GRLC Program Director

Australia Program
acord.org/au
Southern Africa Program
acord.org/za
“WE WERE EXCITED ABOUT THE PROSPECT OF SOLVING AN INDUSTRY ISSUE WITH
A SOLUTION THAT BENEFITS THE ENTIRE WHOLESALE SECTOR OF THE BUSINESS.”
-JOHN WELLS, COMMINSURE
Insurance organizations in Australia are embracing ACORD standards with enthusiasm, pragmatism and
steady attention to measuring business benefits. The adaptation of ACORD standards to the Australian
market is proceeding hand-in-hand with the evolution of our standards management process – a synergy
that brings benefits all around the world.
“THIS IS TRULY AN HISTORIC EVENT FOR THE SOUTHERN AFRICAN SHORT
TERM INSURANCE INDUSTRY AS IT IS THE FIRST TIME THAT A DATA
STANDARD IS ADOPTED AND SUPPORTED BY THE MAJORITY OF THE
INDUSTRY. EVERY PROJECT THAT TOUCHES DATA WILL BENEFIT FROM
THIS STANDARD AS INDUSTRY PLAYERS ARE ABLE TO COMMUNICATE IN A
COMMON LANGUAGE AND FORMAT.”
-JAN DE KLERK, CIO, SANTAM
Policy Variation
The Policy Variation message was the first Australia
Life message to move forward to the testing phase from
the ACORD Messaging Library (AML). AML is a set of
globally reusable components that can be configured to fit
specific purposes.
The Policy Variation message is sent from a superannuation
fund administrator to an insurer to initiate the
underwriting process. Currently when funds send data to
various insurers, the data format varies for each insurer
even if the data itself is the same. The Policy Variation
message standardizes that data transmission, creating
efficiencies for software vendors, funds, and insurers.
When pilot testing is completed successfully, the Policy
Variation message will become part of the official ACORD
Standard.
Next year will bring more implementations to the region,
including the start of seamless electronic communication
with Premium Funders.
acord.org/wc
ACORD is making strong progress in Africa, with base standards being put in place as
a foundation for market specializations. The industry in Southern Africa is dynamic and
cost-aware, and sees benefits from ACORD standards in both business expansion and cost
reduction. Progress is swift and orderly, with a solid core of standards now in place alongside
a proven process for introducing new standards.
Launching the Standards
ACORD’s growth in Southern Africa has been helped greatly by partnering with other
insurance organizations. Collaboration with the Short- Term Insurance Data Exchange
(STRIDE), the South African Insurers Association (SAIA) and the Financial Intermediaries
Association (FIA) has produced a Southern Africa XML Standard which is now ready for use.
The first formal Southern Africa messaging standards were voted on by the community
and released in October. The Southern Africa ACORD transaction specification includes
Policy Synchronization, Claim Synchronization, Claim Bordereau, Premium Bordereaux
and Claim Registration.
This new standard enables insurers and binderholders to interact in a single, unique
language. The standard will greatly reduce the cost and effort involved in moving data
between binderholders and insurers, as a single translation enables communication with
any organization mapped to ACORD.
Now that the base standard has been approved, next in line for Southern Africa is expansion
into other lines of business including crop yield, green geyser and even telematics.
The Workers Compensation Reporting Group includes a wide range of insurers, solution providers, and
industry and state associations.
The group continued to work with the International Association of Industrial Accident Boards and Commissions
(IAIABC) and Workers Compensation Insurance Organizations (WCIO) on mapping electronic data interchange
transactions to ACORD XML . The goal is to give states and insurers an alternative to the current fixed length,
flat file format data Standards.
14
15

@ACORD_Framework
acord.org/framework
Framework
The ACORD Framework is the next evolution of standards development and a new era in what ACORD delivers
to the insurance industry. It is a single streamlined business model for standards creation that is flexible
enough to cross lines of business and geographic borders. The Framework contains five interrelated models,
or facets, that use different views to define the nature of the insurance industry: Business Glossary, Capability
Model, Information Model, Data Model and Component Model.
Starting projects with the ACORD Framework’s models and mappings can save the organization the substantial
investment of time and money normally spent developing models in-house. The Framework also provides a
platform that aligns users in the industry, enabling future data exchange and revenue opportunities with new
partners.
Capability
Model
Business
Glossary
Component
Model
Information
Model
Data
Model
ACORD Standards Translator
This year saw the introduction of the
ACORD Standards Translator. The
Standards Translator is a set of services that
enable the translation of any version of an
ACORD Standard to any other version. The
initial services offered can migrate L&A
XML messages from version 2.24 through
version 2.27 and translate a Producer
Message from L&A XML into an AML
NIPR message. The Standards Translator
represents a major step in the future for
ACORD, and development of additional
services are planned for 2013.
Information Model
The Information Model has matured nicely
and produced two new releases in 2012.
One of the biggest changes was a more
robust documentation platform. For the
first time, ACORD will be able to document
usage notes, design notes, and even assign
versioning and status to content in the
Information Model. These changes will
provide more usable documentation while,
at the same time, allow the Information
Model and other models to integrate nicely
with the Business Glossary.
Capability Model
A handpicked group of industry experts
have been working with the Capability
Model, and it has already seen several areas
of improvement and addition.
Business Glossary
The Business Glossary saw some changes
this year, including a new look, and more
importantly the complete integration with
the Information Model. All terms and
definitions in the Glossary now come from
the Information Model, and the same will
happen with the other Framework models
in the near future.
17

Forms
acord.org/Standards/forms
ACORD’s work began with forms – the original data collection and storage solution that continues to deliver
efficiency and consistency throughout the industry. We are committed to maintaining the forms collection in
line with industry evolution. We are also working to align form elements with other ACORD Standards.
AGENCY
PROPERTY LOSS NOTICE
INSURED LOCATION CODE
CARRIER
DATE (MM/DD/YYYY)
DATE OF LOSS AND TIME
AM
PM
PROPERTY / HOME POLICY
NAIC CODE
New Forms
ACORD developed several new forms this
year in response to user requests:
The Texas Association of School Boards
asked for ACORD’s help with insurance
certificates. Under new Texas law,
the boards are no longer able to issue
certificates since they are self-insured via
a risk pool. ACORD revamped its Liability
and Property Coverage Certificates to
make them legally compliant and available
for use by those school boards. This may
now serve as a model for a nationally
standardized risk pool form.
Dormitory Authority of
the State of New York
ACORD provided the Dormitory Authority
of the State of New York (DASNY) with a
specimen copy of an ACORD 25 Certificate of
Liability Insurance, to eliminate inefficiencies
when interacting with contractors. DASNY
provides information to producers who write
policies for parties that do business with them.
Forms Compliance
IN 2012 ACORD conducted a yearlong refresh of all
applications and application supplements to ensure state
fraud warnings and privacy notifications are up-to-date.
This means all forms users can be certain that ACORD
forms are compliant with state requirements in all states.
The compliance team also had dozens of conversations
with state insurance department personnel to make sure
ACORD’s current fraud warning and privacy language is
in accordance with current interpretations.
ACORD Forms may be revised for a variety of business or
regulatory reasons. When they are, the earlier versions are
no longer valid. ACORD offers several tools to help users
ensure they’re using the most current versions. You can
find them in the Forms area of the acord.org website.
New this year is the Vendor Forms Library which provides
information about the forms versions the vendors who
license ACORD Forms maintain in their systems.
The Forms Future
ACORD has been working with the National Conference
of Insurance Legislatures (NCOIL) and partner insurance
associations to try to resolve differences in their positions
on certificates for commercial property insurance. ACORD
plans to support all the parties involved in the development
of a form that works for everyone.
CONTACT
NAME:
PHONE
(A/C, No, Ext):
FAX
(A/C, No):
E-MAIL
ADDRESS:
CODE:
AGENCY CUSTOMER ID:
INSURED
NAME OF INSURED (First, Middle, Last)
PRIMARY
PHONE #
NAME OF SPOUSE (First, Middle, Last) (if applicable)
PRIMARY
PHONE #
CONTACT
NAME OF CONTACT (First, Middle, Last)
PRIMARY
PHONE #
DATE OF BIRTH
DATE OF BIRTH
WHEN TO CONTACT
HOME
HOME
HOME
BUS
BUS
BUS
CONTACT INSURED
CELL
SUBCODE:
FEIN (if applicable)
CELL
CELL
SECONDARY
PHONE #
FEIN (if applicable)
SECONDARY
PHONE #
SECONDARY
PHONE #
LOSS
LOCATION OF LOSS
STREET:
CITY, STATE, ZIP:
COUNTRY:
DESCRIBE LOCATION OF LOSS IF NOT AT SPECIFIC STREET ADDRESS:
KIND OF
LOSS
FIRE
LIGHTNING FLOOD
THEFT
HAIL
WIND
HOME
HOME
HOME
MARITAL STATUS
MARITAL STATUS
BUS
CELL
POLICY NUMBER
CARRIER
POLICY NUMBER
CARRIER
POLICY NUMBER
CONTACT'S MAILING ADDRESS
PRIMARY E-MAIL ADDRESS:
SECONDARY E-MAIL ADDRESS:
DESCRIPTION OF LOSS & DAMAGE (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
BUS
BUS
CELL
CELL
INSURED'S MAILING ADDRESS
PRIMARY E-MAIL ADDRESS:
SECONDARY E-MAIL ADDRESS:
SPOUSE'S MAILING ADDRESS (if applicable)
PRIMARY E-MAIL ADDRESS:
SECONDARY E-MAIL ADDRESS:
FLOOD POLICY
WIND POLICY
POLICE OR FIRE DEPARTMENT CONTACTED
REPORT NUMBER
PROBABLE AMOUNT ENTIRE LOSS
NAIC CODE
NAIC CODE
REPORTED BY
REPORTED TO
ACORD 1 (2011/07) Page 1 of 3 © 1988-2011 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
“PROVIDING SAMPLE CERTIFICATES OF INSURANCE TO OUR CONTRACTORS, CONSULTANTS AND VENDORS
SPEEDS THE PROCESS OF COMMUNICATING CONTRACTUAL INSURANCE REQUIREMENTS AND HELPS TO
ELIMINATE ERRORS AND OVERSIGHTS IN THE CONTRACTING PROCESS.”
-ANN DODSON, ASSISTANT DIRECTOR OF RISK MANAGEMENT & SAFETY
DASNY
18
19

ACORD IN ACTION
Standards need people to bring them to life. ACORD’s staff works to support the standards community,
providing materials and creating relationships, but the major part of ACORD’s work is done by volunteers from
across the industry. Their extraordinary commitment to maintaining and improving the standards continues
to power ACORD.
Education
ACORD Knowledge Center
ACORD has established a Knowledge Center
on the web to help members do their jobs more
effectively. The growing Knowledge Center
includes implementation resources as well as
training materials for the ACE program. Because
standards implementation is often part of a larger
corporate project that encompasses multiple areas,
the Knowledge Center aims to provide one-stop
shopping for information about implementation
alongside related useful technology topics. The
Knowledge Center features contributions from
experts who have been enlisted as instructors and
webinar presenters on a wide variety of topics.
Training Materials
ACORD is taking a very detailed approach to design
its training materials into modules that address
specific skills.
With each module, ACORD determines what
the instructional methodology is going to be;
approaches include PowerPoint slides, videos,
and job aids that explain exactly how to perform a
specific task. Implementation areas include mapping,
navigating schemas, Framework, web services, and
authentication. The goal is to present information that
helps our members perform complete and correct
implementations.
ACORD Certified Experts
ACORD has implemented a process that enlists
current ACEs to write new questions for the ACE tests.
ACEs attend weekly calls to volunteer to learn how
to write good test questions, and the result is a great
bank of new test questions that will help keep the ACE
designation tests fresh and relevant.
BEING CERTIFIED IN ACORD
STANDARDS IS ONE WAY WHERE
WE CAN COMMUNICATE TO OUR
CUSTOMERS EFFECTIVELY THAT
WE HAVE THAT KNOWLEDGE
AND EXPERTISE IN ORDER TO
GUIDE THEM THROUGH THOSE
PROCESSES.
- LISA SMITH, BROVADA TECHNOLOGIES
ACORD Around The Globe
2012 saw ACORD increase its reach, welcoming new global members and partners and
demonstrating the true value of implementing ACORD Standards to the industry worldwide.
Asia Pacific
ACORD has established an Asia Pacific
Implementation Group to promote the
GRLC standards for premiums, claims and
settlement within the APac region.
Regions including Europe, the U.K., the U.S.,
and Bermuda have adopted these standards
and are seeing dramatic improvements in
premium payment times and reduction in
costs. For brokers, the standards improve
client service and result in a more efficient
process with fewer queries. Underwriters
save back-office costs. The APac group’s goal
is to help the region stay competitive with
other reinsurance hubs around the world.
AUGIE
Real Time Day
On February 29, it was lights, cameras, and
action as ACORD presented the first ever
Real Time Day streaming live on the internet.
Real Time Day was created to raise awareness
of the benefits of conducting transactions in
real time. The Real Time campaign started
nearly six years ago under the direction of
the AUGIE Leaders Council.
Russia
A coalition of nine leading Russian insurers
agreed to implement ACORD Standards
earlier this year. ACORD has recommended
that the Russian community evaluate AML
as their potential data standard.
THE DEVELOPMENT OF OUR INSURANCE
MARKET DEMANDS THAT WE TAKE THIS
IMPORTANT STEP TOWARDS GREATER
EFFICIENCY AND FASTER EXCHANGE OF
DATA, WHICH WILL BENEFIT BOTH OUR
COMPANIES AND OUR CUSTOMERS.
- IGOR KHROMOV, DEPUTY GENERAL
DIRECTOR, INGOSSTRAKH INSURANCE
COMPANY.
ACORD User Group Information Exchange (AUGIE) provides agents, brokers, carriers,
associations a forum for open communication about the shared goal of improved workflow
and increased productivity.
AUGIE, ACT, AIMS Meeting
Turning Technology into Dollars - the 2012
joint AUGIE, Agents Council for Technology,
and American Insurance Marketing &
Sales Society meeting - was another success
with attendance exceeding expectations.
Three days of sessions, discussions, and
networking led to increased understanding
of the issues facing the industry as well as
proposed solutions.
One thing these meetings had in common was
energy. There was a true passion by speakers
and attendees for the subjects discussed. That
made sessions more interactive, informative,
and attention-grabbing.
21

Events
The core message of standards is timeless. But the message needs to be taken to new audiences, and new
generations. With the accelerating pace of business, there’s a danger that fundamental infrastructure – like
standards – gets forgotten. To make sure standards continue to serve the industry, and to extend their reach
to every organization, we invest in refreshing the message and telling the standards story to new audiences.
Communications
It was a busy year for ACORD’s Communications team. The website and the newsletter got makeovers; we
introduced several new video franchises, and broke new ground with a first-ever live streaming event on the
internet.
ACORD.org Redesign
2012 concluded a year-long process of redesigning
the ACORD.org website. The new site features
a cleaner visual look and feel and simpler, more
intuitive navigation.
The Community section is particularly significant
because it incorporates all ACORD Working Groups
in a more efficient collaboration environment
that allows for calendar and document sharing,
discussion and brainstorming. Other communities
represented include AUGIE, ACE, US Reinsurance
and Ruschlikon. The new Young Professionals
community on the web demonstrates ACORD’s
recognition of the next generation’s new model for
doing business and underscores our commitment to
nurturing the future leaders of our industry.
Live Event
ACORD’s first live steaming webcast was the February
29th Real Time Day from the ACORD studio in Pearl
River, New York. The Communications team handled
all aspects of the production from setting up
the studio to briefing panelists, to helping Real Time
mascot Eddie onto the set without any problems.
Based on the success of this event, expect to see more
webcasts from ACORD in the future.
Social Media
ACORD logged more than 600 new Twitter followers
this year. Active ACORD discussions continued on
LinkedIn and Facebook throughout the year as our
groups and pages continued to grow, pushing the total
number of ACORD social media fans and followers
close to 5000.
Newsletter
The ACORD Weekly Newsletter unveiled its new
easy-reading layout and continued to reach over
50,000 insurance professionals each week. 2012
brought new columnists and contributors delivering
the latest information from around the industry, and
video was also incorporated, making the newsletter
an interactive multimedia experience.
ACORD Implementation Forum
ACORD LOMA Forum
Facebook.com/ACORDIF
A record number of attendees flocked to Ft. Lauderdale
to dive deeply into learning how to implement ACORD
Standards at the 2012 Implementation Forum.
Highlights included increased interest in the ACORD
Framework including an early beta
version of the ACORD Standards
Translator. Other hot topics included
e-Signatures and social media. At the
ACORD Awards dinner, more than 50
companies received more than 100
awards honoring their work with
ACORD, and new ACORD Certified
Expert designees received their
certifications.
@acordlomaforum
Facebook.com/ACORDLOMA
acordlomaforum.org
The 2012 ACORD LOMA Forum had its usual excitement and energy with sessions for
business and technology attendees. There were plenty of opportunities to network. The
exhibit hall, packed with vendors ready to meet and answer questions, was a great place to
connect with old and new friends while learning more about ACORD.
“IT’S A TERRIFIC FORUM TO NETWORK AND FIND OUT
WHAT OUR PEERS ARE DOING AND THE REGULATIONS
THAT ARE COMING IN.”
- ANITA SIMPSON,
TD BANK.
acord.org/aif
25

Insurance Technology Congress
Industry leaders from around the world met in London at the 2012 Insurance Technology Congress,
presented by ACORD with Insurance Day magazine. The two day event featured sessions geared toward
the London and European markets. Many speakers voiced the common theme that ACORD Standards must
be a required foundation of any global strategy for the insurance industry.
“THERE’S NO DOUBT THAT THE ACORD STANDARDS ARE
OUR INDUSTRY STANDARD. THE RICHER THEY ARE AND
THE MORE INTERNATIONAL THEY ARE, THE BETTER IT
IS FOR GLOBAL BROKERS AND GLOBAL CARRIERS; IT’S
AS SIMPLE AS THAT.”
- COLIN GRINT, SWIFT
Industry and Government Affairs
ACORD works closely with other associations, in particular other standards development
organizations, to explore how standards can relate to one another.
ACORD also maintains active relationships with associations that represent carriers,
producers, or brokers from around the world. The South African Insurance Associations have
been instrumental in supporting the development of the ACORD community there. Southern
Africa represents a great example of an area where the work of the industry associations
melds with the interests and desires of the insurance supervisors.
ACORD continues to develop its relationship with the insurance regulatory authorities in India,
and in Europe, ACORD is exploring the implications of Solvency II regulations. ACORD also
works with the International Association of Insurance Supervisors to identify opportunities
for the implementation of ACORD standards within the new IAIS data collection and reporting
insurance core principles.
ACORD Forum Australia
Dozens of Australian insurance executives and technology professionals met in Sydney at the 1st Annual
ACORD Forum Australia. The Forum increased awareness of ACORD’s benefits to the Australian Life and
General Insurance markets, including development and implementation of ACORD XML and Australiaspecific
Forms.
The Forum presented high level information for executives and analysts, as well as sessions focused on
programmers, current implementers, and the ACORD Framework.
Insurance Data and Analytics Summit
ACORD and Reactions Magazine teamed up to present the first Insurance Data and Analytics Summit in
New York City.
IDA drew a crowd of executive attendees who listened as speakers shared their experiences about how
working with analytics reduces risks and cuts costs.
Efficiency in Reinsurance Operations Special Cedent Event
Another first was this year’s Efficiency in Reinsurance Operations Special Cedent Event in Hartford,
Connecticut. The event’s goal was to promote e-Business as a solution for cedents, to become more efficient
and accurate.
The National Council on Compensation Insurance supplies most of the Workers’ Comp policy
and rate information for all the United States. ACORD implemented regular conference calls
with NCCI and took up a number of important projects to drive greater implementation of the
forms ACORD publishes on their behalf and the standards that support the forms.
State legislators active at the National Conference of Insurance Legislators adopted model
laws addressing insurance certificates and insurance binders. ACORD worked with producer
associations PIA and IIABA, carrier associations AIA and PCI, and mortgage lenders active
at the ACLI and the MBA to provide technical guidance and business analysis regarding the
models.
ACORD deepened its relationship with NAILBA, the voice of U.S. independent life brokerages.
ACORD staff teamed with their members to identify operational efficiencies and technological
challenges and find solutions.
ACORD is also strengthening its partnership with the Reinsurance Association of America to
help raise awareness of the Ruschlikon E-trading Initiative. ACORD is also driving interest in
catastrophe exposure standards implementation with associations globally that are involved
in reinsurance such as the Association of Bermuda Insurers and Reinsurers.
27

INSIDE ACORD
2012 Board of Directors
John Leonard
ACORD Chair
President & CEO
MEMIC
Mark Esposito
Senior Vice President,
Chief Technology Officer
The Hartford Financial Services Group, Inc.
Robert Kelly
Executive Chairman
Steadfast Group Limited
Dennis Mahoney
Chairman
Sciemus
Lawrence Blakeman
ACORD Vice-Chair
Outside Director
David Findley
Immediate Past Vice–Chair
Outside Director
James Knight
Executive Vice President & Global CIO
Chubb & Son Insurance Company
Samuel Medina
Group CIO
Willis Group Holdings
Gregory A. Maciag
President & CEO
ACORD
Andy Fogarty
Outside Director
Barbara Koster
Senior Vice President & CIO
Prudential Financial
William Pieroni
Chief Operating Officer
Marsh, Inc.
(formerly Operations Vice President,
State Farm Insurance Companies)
Steve Betts
Global Chief Information Officer
AON
Alessandro Iuppa
Senior Vice President,
Government & Industry Affairs
Zurich
Elio “Al” Lagana
Senior Vice President,
Enterprise Operations,
Travelers
Keith Savino
National Association of Professional
Insurance Agents (PIA)
Sal Branca
Senior Vice President
Chartis Insurance
Art Jetter
Past Chairman
National Association of Independent Life
Brokerage Agencies (NAILBA)
Sue Langley
Director, Market Operations
Lloyd’s of London
Markus Schmid
Member of the Group Executive Board
and Head of IT
Swiss Re
Jeremy Cooke
Global Head of Market Relationship
Management
Marsh, Inc.
John Kellington
Senior Vice President & CIO
Cincinnati Financial Corporation
Frank Liu
Regional President
China Life Insurance Company Ltd.
Robert Slocum
Independent Insurance Agents &
Brokers of America (IIABA)
Achim Stegner
Head of the Central Division:
Global Business Architecture
Munich Re
26
27

Key Staff
Participants As of January 1, 2013
Gregory A. Maciag
President & CEO
Gary Bel
Vice President, General Counsel
& Corporate Secretary
Lloyd Chumbley
Chief Standards Officer
Beth Grossman
Chief Learning Officer
Ann Henstrand
Chief Compliance Officer,
Government and Industry Affairs
Tanya Krochta
Vice President,
Chief Administrative Officer
Roy Laker
Vice President, London Office
Shane McCullough
Chief Enterprise Architect
Jeannine Purvis
Controller
Pete Teresi
Chief Technology Officer
Insurance Carriers, Reinsurers,
Agents, Brokers And Financial
Services
5Star Life Insurance Company
AAA Mid-Atlantic Insurance Group
ACCC Insurance Company
Accident Fund Group
ACE INA Group
ACUITY
AEGON USA Group
AIA Australia
AIG
Alfa Insurance Group
Alliance United Insurance Company
Allianz Insurance Group
Allianz of America
Allstate Financial
American Compensation Insurance Company
American Modern Insurance Group Inc
American Reliable Insurance Company
American Risk Insurance
American Safety Ins U.S. Group
American Strategic Insurance Group
Ameriprise Group
Amerisafe Insurance Group
Andover Companies
Antares Underwriting Services Limited
AON Corporation
Arbella Insurance Group
Ash Brokerage
Assurity Life Insurance Company
Austin Mutual Insurance Group
Automobile Club Casualty Company
Auto-Owners Insurance
AXA
AXA Financial Group
AXIS Capital Holdings Limited
British-American Insurance Company
(Kenya) Limited
Brotherhood Mutual Insurance Company
Buckeye Insurance Group
California Mutual Insurance Company
Cameron Mutual Group
Capital Insurance Group
Capitol Indemnity Corporation
Casualty Underwriters Insurance Company
Celina Insurance Group
Central Insurance Companies
Central Services Group
Century-National Insurance Company
China Life Insurance Company Ltd.
Chubb Group of Insurance Companies
Cincinnati Life Insurance
Civil Service Employees Group
CNA Insurance Companies
CNO Financial Group Inc.
Colonial Financial Services Pty Ltd
Columbia Insurance Group
Commonwealth Bank
Concord Group Insurance Companies
Consumers Insurance USA Inc
Co-operative Insurance Company
Cornerstone National Insurance Group
Cumberland Insurance Group
Cypress Property & Casualty Group
Desjardins General Insurance Group
Donegal Group
Dongbu Insurance
Electric Insurance Group
EMC Insurance Companies
Employers Insurance Group
Encompass Group
Endurance Worldwide Insurance Ltd
Enumclaw Insurance Group
Erie Insurance Group
Everest Security Insurance Company
Farm Bureau P & C Group
Farmers Alliance Companies
Farmers Mutual Group
Farmers Mutual Insurance Company
of Nebraska
FCCI Insurance Group
Fidelity National Group
First American Corporation Property
& Casualty Companies
Frank Cowan Company Ltd
Frankenmuth Financial Group
Franklin Mutual Group
Frederick Mutual Insurance Group
Fremont Insurance Company
Frontline Homeowners Insurance
Gateway Insurance Company
German Mutual Insurance (OH)
Germania Mutual Group
Global Aerospace Underwriting Managers
Global Indemnity Group
Goodville Mutual Casualty Company
Grange Mutual Casualty Group
Great American Group
Great Northwest Insurance Company
Great West Casualty Company
Grinnell Mutual Group
GroupHEALTH Global Partners
GuideOne Insurance Group
Gulfstream Property and Casualty Insurance
Hallmark Insurance Group
Hart Re Group
Hartford Life Group
Hastings Mutual Insurance
Hawaii Employers Mutual
Hingham Mutual Fire Insurance
Hochheim Prairie Group
IBNA Limited
IMT Insurance Company (Mutual)
Indiana Lumbermens Group
Indwe Risk Services
ING Group (Reins)
International Insurance Company of
Hannover Limited
Jardine Lloyd Thompson Group PLC
Kemper Property and Casualty Group
Kiln Ltd.
Liberty Life Assurance Boston
Liberty Mutual Agency Corporation
Lincoln Financial Group
Lititz Mutual Group
Lloyd’s
Loudoun Mutual Insurance Company
M Financial Group
Main St America Group
Manulife Financial
MAPFRE North America Group
Markel Corporation Group
Marsh Inc
Marysville Mutual
MassMutual Financial Group
Maxum Specialty Insurance Group
MCNA Dental Plans
Medica Intergral GNP, S.A. de C.V.
MEMIC Group
Mennonite Mutual Insurance Company
Merchants Insurance Group
MetLife Auto & Home
Metropolitan Life & Affiliated
Michigan Millers Mutual Insurance Company
Middlesex Mutual and Holyoke Mutual
Millville Mutual Insurance Companies
MMG Insurance Company
Morgan Stanley
Motorists Insurance Group
Mountain States Insurance Group
Munich American Holding Corp
Mutual & Federal Insurance Company
Limited
28
29

Participants (continued)
Mutual Benefit Group
Myron F Steves & Co
Nationwide Ins
New Mexico Mutual Group
New York Life Group
NIAC - Nonprofits’ Insurance Alliance of
California
Northwest G F Mutual
Ohio Mutual Insurance Group
Old Mutual
OneBeacon Insurance Group
Oregon Mutual Insurance Company
Pacific Life Group
Palisades Group
Pan-American Life Group
PartnerRe US Group
Partners Mutual Insurance Company
Paychex Agency, Inc
Pekin Insurance Group
Penn National Insurance
Pennsylvania Lumbermens Mutual Insurance
Company
Philadelphia Contributionship Group
Philadelphia Insurance Company
Philadelphia Insurance/Tokio Marine Group
Pinnacol Assurance
Pioneer State Mutual Insurance Company
Plymouth Rock Companies
Preferred Mutual Insurance Company
Presidential Life Insurance Company
Principal Life Group
Progressive Group
Protective Life Corporation
Prudential Financial
QBE Management Services PTY Limited
Quincy Mutual Group
Republic Group of Insurance Companies
RFIB Group Limited
Rimac - Internacional Compania de Seguros
y Reaseguros
RVOS Farmers Mutual Group
Safety Group
Santam Ltd
SBLI USA Group
SCOR Group
SECURA Insurance Companies
Selective Insurance Company of America
Sentry Group
Service Insurance Group
SFM Mutual Insurance Companies
Shelters Insurance Companies
SPARTA Insurance Group
Sportscover Australia Pty Ltd
Standard Insurance Group
Star Casualty Insurance
State Auto Insurance Companies
State Farm Group
Steadfast Group Limited
Sterling Insurance Company
Stonetrust Commercial Insurance Company
Sun Life Financial Group
Suncorp
Swiss Reinsurance Company Ltd.
Swiss Reinsurance Group (Life)
Swiss Reinsurance Group (P&C)
TAL Services Limited
Texas Mutual Insurance Company
The Bremen Farmers’ Mutual Insurance
Company
The Brethren Mutual Insurance Company
The Cincinnati Insurance Company
The Grotenhuis Group
The Hanover Insurance Group
The Hartford Insurance Group
The Hollard Insurance Company Limited
The Norfolk & Dedham Group
The Travelers Companies Inc
TigerRisk Partners
Tower Group Companies
Tower Hill Insurance Group, LLC
Tuscarora-Wayne Group
Underwriters Rating Board
Union Mutual of VT Companies Group
United Educators
United Fire & Casualty Group
United Heritage Property/Casualty Group
Upland Mutual Insurance Inc
Utica First Insurance Company
Utica National Insurance Group
Vela Insurance Services LLC
Vermont Mutual Group
W R Berkley Corporation
W&R Corporate LLC
West Bend Mutual Group
Western National Insurance Group
Western Reserve Pool
Westfield Group
Willis
Wisconsin Mutual Insurance Company
Wolverine Mutual Insurance Company
XL Insurance Company Limited
XL Reinsurance
Zurich Insurance Group - NA
Solution Providers
Accenture
Adminovate Inc
Adsensa Ltd.
Advantage Information Systems Inc
Agency Computer Systems Inc
Agency Insurance Services U.S. Inc.
Agency Matrix LLC
Agency Software Inc
Agency Technologies Inc
Agencyport Software
American Para Professional Systems Inc
Aon eSolutions
Aplifi
Applied Systems Inc
Appulate Inc
Assurance Systems Inc
ASTUTE Financial Services Exchange
Birlasoft India Pvt Limited
Blackwell Consulting Services
Bond-Pro LLC
Boston Software Corporation
Brolink
Brovada Technologies Inc
Capita
Catex
CGI Technologies and Solutions Inc
Chartrand Advantage LLC
Clinical Reference Laboratory
Cognizant
Computer Solutions & Software International
Inc
Cover-All Technologies Inc
CS Stars
CSC Financial Group
Dell Services
Deloitte Consulting
Delphi Technology Inc
Diasoft
Discoverture Solutions LLC
DTCC
eBaoTech Inc
Ebix Europe
Ebix Inc
eBridge Solutions Inc
ediTRACK Limited
Effisoft
EMC Corporation
EMSI
Epic-Premier Insurance Solutions Inc
EquiSoft
Ereinsure.com
Eurobase
Evolution Agency Management LLC
ExamOne, A Quest Diagnostics Subsidiary
Exigen Insurance Solutions
EXL Life PRO
EZLYNX by Webcetera LP
FAST
FICO
FINEOS Corporation
FirstBest
Focus Technologies LLC
Gamma-DynaCare Medical Labs
Global Insurance Technology Inc
GMC Software Technology
Guidewire Software
Hawksoft Inc
HCL Technologies Ltd
Hewlett Packard
Hooper Holmes
Hyland Software Inc
IBM
IDMI
Informatica
Infosys Technologies Ltd
Innovation Group
InsPro Technologies
Insurance Data Processing, Inc
Insurance Market Technologies
Insurance Technologies
Insurance Technologies Corporation
Insurance Technology International Inc
InsuranceCONNECT Pty Ltd
InSure Vision Technologies LLC
Insurity, Inc
iPipeline
ISCS Inc
ISIS Papyrus America Inc
iter8 Inc
IVANS
Jenesis Software
L&T Infotech
LexisNexis
Majesco Mastek Ltd.
McCamish Systems
MIB Group Inc
Microsoft
MIP Holdings
MSG Systems AG
NexJ Systems Inc.
NIIT Insurance Technologies Limited
NIIT-Technologies
No Magic Inc
North American Software Associates
Northdoor plc
NSIA Technologies
NxTech Inc.
Object Edge Inc
Oceanwide Inc
One Inc
OneShield Inc
OPEX Corporation
Oracle Corporation
Pegasystems Inc
Perceptive Software
Perspective Technologies Ltd.
PilotFish Technology
Pitney Bowes Business Insight
PlanetSoft
Polaris Financial Technology
Prima Solutions
Project CAP (Consumer Agent Portal, LLC)
Qatar Insurance Services LLC
QQ Solutions
Quomation Insurance Services Inc
Resource Pro
Revolution Group
RGA Technology Partners
RSA Medical
Salesforce.com
SAP
Sapiens North America
SAS Institute Inc
SeaPass
Sequel Business Solutions Limited
Siebre Systems Ltd
Silanis Technology
Silvermoon Business Systems
Sinosoft Co Ltd
Software AG
Solutandi Cía. Ltda.
SPAN Systems Corporation
Special Agent
Strategic Insurance Software LLC
STRIPE Global Services Limited
Superior Access Insurance Services Inc
Superpartners
Synechron Inc
Systema Software
Systemize IT Limited
Tata Consultancy Services
TD Ameritrade
Telesis Global Solutions Limited
Telus Communications Inc
Thunderhead.com
Tibco Software
TIW Group Ltd.
Trace Isys Ltd
Transunion Credit Bureau (Pty) Ltd.
UnivitaHealth
Vallue Consulting
ValueMomentum Inc
Verisk Analytics
Vertafore Inc
VERTEX Inc
V-NEO Inc.
VOC Company, LLC
VRC Insurance Systems
Web Connectivity Limited
Xanatek Inc
Xchanging Ins-sure Services Limited
Associations
AAMGA
AIPSO - Automobile Insurance Plans
Service Office
ASCnet - Applied Systems Client Network
CIAB - Council of Insurance Agents &
Brokers
CLIEDIS - The Canadian Life Insurance
Standards Association
Commonwealth Automobile Reinsurers
CSIO - Centre for Study of Insurance
Operations
FIA - Financial Intermediaries Association
of South Africa
HR-XML
IAIABC - International Association
of Industrial Accident Boards and
Commissions
Idaho Surveying & Rating Bureau
IDMA Inc - Insurance Data Management
Association
IFX Forum Inc - Interactive Financial
eXchange Forum
IIABA - Independent Insurance Agents &
Brokers of America
Injured Workers Insurance Fund
Insurance Council of Botswana
Insured Retirement Institute
IUA - International Underwriting Associations
LIIBA - London and International Insurance
Brokers’ Association
30
31

Participants (continued)
LMA
NAILBA - National Association of
Independent Life Brokerage Agencies
NAPSLO - National Association of
Professional Surplus Lines Offices Ltd
NASBP - National Association of Surety
Bond Producers
NASPA - National Association of SIS Partner
Agents Inc
NCCI - National Council of Compensation
Insurance
NetVU
Nexsure User Group
NUDGMI - National Users Development
Group for MI Inc
Object Management Group - OMG
PIA National - Professional Insurance Agents
Reinsurance Administration Professionals
Association
RIMS - The Risk & Insurance Management
Society
SFAA - The Surety & Fidelity Association
of America
South African Insurance Crime Bureau
STRIDE
The South African Insurance Association
TMEL - The Message Exchange Limited
Washington Surveying & Rating Bureau
Workers Compensation Insurance
Organizations (WCIO)
XBRL International, Inc.
Others
Business Insurance
National Insurance Producer Registry (NIPR)
Success Group International LLC
Forms Pool Participants
Accident Fund Group
ACE INA Group
ACUITY
Admiral Insurance Company
AEGIS Limited
Affinity Mutual Insurance
AgriGeneral Insurance Company
AIG
Aioi US Group
Alamance Farmers Mut Ins Gp
Alaska National Insurance
Alfa Insurance Group
Alleghany Insurance Holdings
Alliance Mutual Insurance (NC)
Allianz of America
Allied World Reinsurance Company
American Family Insurance Group
Americas Insurance Company
Amerisafe Insurance Group
Amerisure Companies
Arbella Insurance Group
Argonaut Group
ARI Insurance Group
Assurant Solutions
AT&T Services, Inc
Atlantic American/Delta Group
Attorneys Insurance Mutual of the South, Inc.
Austin Mutual Insurance Group
Auto Club Enterprises Ins Group
AXIS Insurance Group
Balboa Insurance Group
Baldwin & Lyons Group
Bankers Insurance Group Inc
Barnstable Group
Bear River Mutual Insurance Company
Berkshire Hathaway Group
Briar Creek Mutual Insurance Company
BrickStreet Mutual Insurance
Brotherhood Mutual Insurance Company
Builders Insurance Group
Builders Mutual Insurance Group
California Casualty Group
Canal Group
Caterpillar Insurance Group
CEM Insurance Company
Century-National Insurance Company
Church Mutual Insurance
Colorado Farm Bureau Mutual
Companion Property & Casualty Group
CompSource Oklahoma
Conifer Insurance Company
ConocoPhillips Company
Cook Children’s Indemnity Company
Country Insurance & Financial Services
Country-Wide Insurance Group
Cumberland Insurance Group
De Smet Farm Mutual
Deerbrook Group
Eastern Alliance Insurance Group
Electric Insurance Group
Elephant Insurance Company
Encompass Group
Erie Insurance Group
Everest Reinsurance Group
Fairfax Financial Companies (US)
Farm Bureau Mutual of ID
Farm Bureau P & C Group
Farm Family Insurance Group
Farmer Mutual Insurance Company of Noble
County
Farmers & Mechanics Group
Farmers &Merch Mutual F
Farmers Fire Insurance Companies (PA)
Farmers Insurance Company of Flemington
Farmers Mutual Insurance (WV)
Farmers Union Mutual (ND)
Farmers Union Mutual(MT)
Federated Mutual Group
FFVA Mutual Insurance Company
Fidelity National Group
Fire Districts of New York Mutual
First Benefits Insurance Mutual
First Chicago Insurance Company
First Nonprofit Insurance Company
FirstComp Group
FMH Insurance Group
Forestry Mutual Insurance Company Group
Founders Insurance Group
Franciscan Alliance
FRSA Self Insurers Fund
Galen Insurance Company
Geneva Insurance Company
Germania Mutual Group
Germantown Mutual Insurance
Glencoe Group of Companies
Global Indemnity Group
GMAC Insurance Group
Granada Insurance Company
Grange Insurance Group
Greater New York Group
GUARD Insurance Group
Halifax Mutual Insurance Group
Highmark Casualty Insurance Group
Hiscox Insurance Companies
Hochheim Prairie Group
Hortica
Hospitals Insurance Company Inc
Housing Authority Insurance Group
Hyundai Marine & Fire Insurance
ICW Group
IFG Companies
Illinois Casualty Company
Indiana Farmers Mutual
Insurors Indemnity Group
INTEGRAND Assurance Company
Interboro Insurance Group
Juniata Mutual Insurance
Kentucky Employers Mutual Insurance
Kentucky Farm Bureau Group
Kentucky National Insurance Group
Kingsway America Group
LA Home Builders Self Insurers
Lackawanna Insurance Group
Lebanon Valley Insurance Company
Little Black Mutual Insurance Group
Louisiana Workers Compensation
Corporation
Lousiana Pest Control Insurance Company
(LPCIC)
Lumberman’s Underwriting Alliance
Magna Carta Companies
Main St America Group
MAPFRE PRAICO Insurance Group
Markel Corporation Group
McM Corporation Group
Meadowbrook Insurance Group
MEMIC Group
Mercer Mutual Group
Mercury General Group
Middleton Insurance Company
Midwest Family Mutual
Millers First Companies
Millers Mutual Insurance Company
Missouri Employers Mutual Ins Group
Missouri Valley Mutual
MLMIC Group
Mount Carroll Mutual Fire Insurance
Company
Munich American Holding Corp
Munich Re/American Modern Group
National American Insurance
National Fire & Indemnity Exchange
Nautilus Insurance Group
Nazareth Mutual Insurance
New York Marine Group
NLC Insurance Companies
Nodak Mutual Group
North Star Companies Group
Northern Mutual Insurance Company (MI)
Northern Neck Insurance Company
Northern Plains Insurance Company
Old Republic General Group
Oregon Dental Services Group
Oriska Insurance Company
Parrot Bay Insurance
Partners Mutual Insurance Company
Pharmacists Mutual Insurance
Piedmont Mutual Insurance Company
Plymouth Rock Companies
Preferred Professional Insurance Company
Pro Group Captive Management Services
Progressive Group
Providence Mutual Group
Public Service Mutual Insurance Company
RAM Mutual Insurance Group
Red Shield Insurance Company
Republic Group of Insurance Companies
Republic Western Insurance Group
(REPWEST)
Risk Management Resources Inc
RLI Group
Rockford Mutual
Rockingham Mutual Insurance Company
Rural Mutual Insurance Company
Safety Group
Safety National Casualty Corporation
SAIF Corporation
SC Home Builders Self Insurers Fund
SCF Insurance Group
SeaBright Insurance Company
Seibels Bruce Group
Sentry Group
Service Insurance Group
SFH Assurance, Ltd
Society Group
Sompo Japan PC Group
Southern Farm Bureau Group
Southern Mutual Church
Southern Trust Insurance Company
SPARTA Insurance Group
Standard Mutual Insurance
State Compensation Insurance Fund of CA
State National Companies
STICO Mutual Insurance Co., RRG
Sutter Insurance Group
Swiss Reinsurance Group
Symetra Life Group
T.H.E. Insurance Company
TASB Risk Management Fund
Texas Mutual Insurance Company
The Brethren Mutual Insurance Company
The Harford Mutual Insurance Companies
The PMA Capital Insurance Group
The Triangle Companies
The Warranty Group
TIG Holdings Group
Tower Group Companies
Transit General Insurance Company
ULLICO Group
Umialik Insurance Co
Underwriters Rating Board
United Automobile Insurance Group
United Farm Bureau of IN Group
Universal Insurance Group of Puerto Rico
Valiant Insurance Group
W R Berkley Corporation
Wayne Mutual Insurance Company
Western Mutual Insurance Group
Wisconsin Municipal
Wisconsin Reinsurance Group
Workers Compensation Fund of Utah
XL America Group
Zenith National Insurance Group
Forms Redistribution Participants
Abacus Insurance Brokers Inc
Advantage Information Systems Inc
Agency Business System, Inc.
Agency Computer Systems Inc
Agency Matrix LLC
Agency Rating System
Agency Resources
Agency Software Inc
Agency Systems
Agency Technologies Inc
Agencyport Software
American Wholesalers Underwriting
Aon Corporation
Applied Systems Inc
Arrowhead General Insurance Agency
Assurance Systems Inc
Atlatl
Automotive Risk Management Insurance
Services
Banc of America Insurance Services, Inc
Barney & Barney LLC
Bollinger Insurance Inc
Boston Software Corporation
Braishfield Associates
BritAmerica Inc
Britt/Paulk Insurance Agency Inc
Brown & Brown Insurance
Builders & Tradesmen’s Insurance Services, Inc.
Burns & Wilcox Ltd
CCiComputer Services Inc
Certificate Exchange
32
33

Participants (continued)
CGI Technologies and Solutions Inc
Choices Software Inc
Coastal Insurance Underwriters Inc
Cochrane & Company
Combined Group Insurance Services Inc.
Consolidated Risk Solutions
CS Stars
Ebix Inc
Epic-Premier Insurance Solutions Inc
EZLYNX by Webcetera LP
Farmers Mutual Insurance Agency
FergTech Inc
First Internet Solutions
FirstBest
Five Star Specialty Program
Focus Technologies LLC
FOJP Service Corp
FrankCrum
GBS Inc
Global Aerospace Underwriting Managers
Hawksoft Inc
Hoffman Computer Systems
iaAnyware Pty Limited
IBQ Systems
Impressive Publishing
Innovation Group
Insurance Technologies Corporation
Insurance Visions Inc
insureon
Insurity, Inc
International Risk Management Institute
Iroquois Group Inc
iter8 Inc
IVANS
Jaeger & Haines, Inc.
Kapnick & Company Inc
Kofax
Leading Insurance Services Inc
LexisNexis
Lockton Company
M & R Information Services Inc
M J Kelly Company
Myron F Steves & Co
Networked Insurance Agents
North American Software Associates
OCI (Options and Choices Inc)
Oracle Corporation
PaperFree Corporation
Pearl & Associates Ltd
Pegasystems Inc
PointSure
Policy Works Inc
Porter & Curtis LLC
Professional Program Insurance
Brokerage
QQ Solutions
Quomation Insurance Services Inc
Rain & Hail LLC
Risk Insurance Services
SAN Group
Self Insured Solutions
Service First Insurance Group
Silverlake Software LLC
Special Agent
Specialty Insurance Agency
Strategic Insurance Software LLC
Summit Consulting Inc
Superior Access Insurance Services Inc
Symmetry Technology Labs Inc
Terrace Software Inc
The Heffernan Group
The Rough Notes Company
The Starr Group
Time Warner
Tower Hill Insurance Group, LLC
Transportation Certificate Service Inc
Tri-State General Insurance Agency Ltd
Tropics Software Technologies
Trust Risk Management Services Inc
United Contractor Insurance
United Software Developers Inc
Vertafore Inc
VRC Insurance Systems
Wells Fargo Bank N.A.
WESTCAP Insurance Services
Wolters Kluwer Financial Services
Woodruff-Sawyer & Company
Xanatek Inc
XDimensional Technologies Inc
Zain Jeewanjee Insurance Agency d/b/a
Go One Global d/b/a G1G Insurance
Services
34