Member Reports - Acord

www.acord.org
© 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.
New York
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Pearl River, New York 10965
USA
Tel.: +1 845 620 1700
Fax: +1 845 620 3600
LoNdoN
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London EC3R 7DD
Tel.: +44 (0) 20 7617 6400
Fax: +44 (0) 20 7617 6401
MeMBerSHIP rePorT
2012
a

IMAGINE
… An industry that embraces a global and enterprise
view of information.
…An industry where all trading partners can easily
exchange information as required.
… An industry where business solutions include
ACORD standards.
For more than 40 years, ACord has been responding
to the needs of our members and partners, working
hand-in-hand to develop the best and most efficient
products and services for ease of doing business.
we’ve kept pace with the changes, in business and in society. From paper forms, to
electronic data Interchange, to XML, to the enterprise architecture of the Framework,
ACord has consistently positioned itself at the leading edge of technology, to anticipate
and respond to the needs of an evolving industry.
As we head into 2012, everything ACord has done up to this point has laid the
groundwork for the next phase of our evolution.
Today’s ACord is shaped by where we’ve been, but it’s defined by where we’re heading.
Today’s ACord is about possibilities, about solutions, and about connecting the dots for
the future of our industry. New initiatives…new growth…new and better ways to serve our
members.
The ACord story today has two important aspects. The first is, of course, our Standards
themselves. The second is the people behind those Standards: the members from all
corners of the industry who develop them, the diverse communities that embrace them,
and the staff that helps to maintain and implement them. As an ACord member, that
story is being written by your hand as much as by ours.
This membership report will tell you the story of what we’re doing, how we’re doing
it, and who’s doing it, on behalf of, and in partnership with, our members. Most
important, it will tell you why our work benefits you, and why we believe that
Standards matter.
Gregory Maciag
President and Ceo
3

John leonard
maine employers’ mutual
Insurance company (memIc)
acord Board chair
“ACORD Standards are absolutely
essential for any organization,
large or small, that wants to
become more efficient, grow
its business and succeed in
today’s global marketplace. It’s
also important for our insurance
community to understand the
role it can play in shaping the
Standards. When you’re working
with ACORD, you’re helping to
create a more interconnected
future.”
STANDARDS VISION
we Seek To MAke ACord STANdArdS THe CorNerSToNe
oF ALL BuSINeSS SoLuTIoNS For eXCHANGe oF INForMATIoN
ACroSS THe INSurANCe vALue CHAIN, BY:
• Advancing a global and enterprise view of information
• Promoting best practices for enterprise architecture
• Providing a roadmap for more dynamic, integrated and effective exchange
• Encouraging broad use of standards-based components to enable more
options for implementation
The greatest value of ACord Standards is in their actual implementation.
ACord’s history demonstrates that when there is clear vision, implementation
follows. our mission is simple: make the vision a reality .
CoNNeCTING THe doTS
what we do
StandardS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
COMMON SERVICES .............................................................5
LIFE & ANNUITY ................................................................6
PROPERTY & CASUALTY ..........................................................7
REINSURANCE. .................................................................8
AUSTRALIA ...................................................................10
SOUTHERN AFRICA .............................................................11
WORkERS’ COMPENSATION REPORTINg ............................................11
framework . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
formS & eformS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
ImplementatIon advISory ServIceS & toolS . . . . . . . . . . . . . . . . . . . . . . . .16
advocacy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
COMMUNICATIONS .............................................................18
INDUSTRY AND gOVERNMENT AFFAIRS. ............................................19
EVENTS ......................................................................20
How we do It
StandardS development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23
StandardS ImplementatIon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
who we Are
acord communItIeS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26
ACORD CERTIFIED ExPERT .......................................................27
gLOBAL COMMUNITY ...........................................................28
VOLUNTEER@ACORD ...........................................................29
PARTICIPATION ................................................................30
AUgIE .......................................................................31
InSIde acord . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32
BOARD OF DIRECTORS ..........................................................32
kEY STAFF....................................................................34
PARTICIPANTS .................................................................35
3

6
At ACord, we see an entire industry capable of transacting business using ACord Standards.
This vision includes systems composed of interchangeable components based on ACord
Standards that span the enterprise and provide a 360-degree view of people, organizations
and risks.
It includes the solution providers who build those systems, and it includes all of you who
embrace Standards in your business practices and IT processes. when you implement
any aspect of ACord Standards even in small and incremental ways, you’re showing your
support for an industry based on collaboration, efficiency and sky’s-the-limit potential.
Your Standards implementation is a strong step into the future of our industry. At ACord,
we work to give you all the tools and information you need to help your organization and
your partners take that step together.
Common Services
INTeroPerABILITY ANd CoNSISTeNCY ACroSS ProGrAMS
MeANS FASTer AdoPTIoN ANd GreATer BuSINeSS vALue
To our MeMBerS.
For years, leading organizations in many
industries have established internal
groups to evaluate how their business
units and best practices interface
with the evolving global marketplace.
Today, this kind of broad perspective is
especially important to the insurance
industry. The ACord Common Services
Program mirrors this mission-critical
approach as we aim to minimize
complexity and simplify integration for
ACord’s membership worldwide.
designing ACord’s Common Services
shared Standards to be reusable across
programs and geographies reduces
duplication of effort and use of “one-off”
solutions. This forward-thinking strategy
saves time, money and resources, and
paves the way for solutions to emerging
challenges that face tomorrow’s
insurance industry.
Common Services encompass
Standards-based solutions such as the
acord web Services profile, which
bridges the gap between ACord and
horizontal technical Standards, and
business-oriented content such as the
acord messaging library,
a common set of business
messaging components that
spans multiple domains and can
be used globally.
ACord Common Services also
embrace industry best practices,
including architecture and naming
& design principles aligned with
cross-industry Standards bodies
such as w3C, oASIS, and uN/
CeFACT. This approach allows
ACord members to shorten
implementation timeframes
by leveraging universally
established tools.
Common Services is now focused
on expanding utilization by
the u.S. National Insurance
Producer registry (NIPr),
and in the growing Southern
African market. when new
products are developed and
new markets opened, ACord’s
Common Services provide
the foundation to take our
Standards there.
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Life & Annuity
“THe uSe oF ACord STANdArdS IS eSSeNTIAL For ANY BuSINeSS LookING
To INCreASe eFFICIeNCY ANd ACCurACY wHILe deCreASING CoSTS.”
- Ray SlideR, Vice PReSident, PRudential
2011 was a year of new initiatives and upgrades within the
L&A Program, driven by evolving industry demands for ways
to increase revenue while reducing costs. ACord made
significant progress in several areas including:
Plug & Play
ACORD’s Plug & Play consortium works
to ensure that diverse systems easily
connect with each other (“plug and play”)
through consistent interpretation and
implementation of ACORD Standards. The
current focus is ACORD’s Life & Annuity
Standard and the common ACORD Web
Services Profile. While this initiative
is technical in nature, it is driven by
important business considerations:
• Decrease implementation time
• Reduce associated development
costs by making it easy to reuse
components.
The concept was proven in May 2011 at the
first Plug & Play Jamboree, where companies
with no prior interactions tested their
implementations of ACORD Life, Annuity,
and Health services in a live and unfiltered
environment. The result was a demonstration
of successful service calls achieved by
following the Plug & Play specifications.
Employee Benefits
In the Employee Benefits segment of the
industry, brokers and underwriters often have
to communicate repeatedly to get a complete
data set to create a proposal. ACORD’s XML
Message for Census will enable insurance
carriers to receive the census data for RFI/
RFP, enrollment and maintenance in the same
standard electronic format from every agent/
broker, and help reduce the back-and-forth to a
single exchange of data.
@ACORD_LA acord.org/la @ACORD_PC acord.org/pc
DTCC Messages
The Depository Trust & Clearing Corporation’s record
layouts of the fixed file formats used by their Insurance &
Retirement Services business have been incorporated into
ACORD’s Standard.
The inclusion of the DTCC messages in the Standard is
significant because the industry now views these messages
as a Standard and not as a proprietary entity. This will raise
awareness of the importance of Standards for data exchange
between insurance carriers and distributors and help drive
further adoption.
Insured Retirement Institute
The Insured Retirement Institute brings together the
interests of the industry, financial advisors and consumers
under one umbrella. As part of its straight-through
processing initiative to create a paper-free process, gain
regulatory acceptance and benefit consumers, the IRI
continues to define detailed ACORD L&A and DTCC
Standards-based data messaging.
Life Brokerage Technology Committee
Participation
ACORD and the National Association of Independent Life
Brokerage Agencies (NAILBA) are active participants in
the Life Brokerage Technology Committee, an independent
group that brings together carriers, brokers/agents and
solution providers to address technology needs in the life
industry. The Committee provides a forum for the broker
community to share its collective challenges and increase
its input into helping shape the Standards.
Long Term Care
ACORD is working with members to help the Long Term
Care community start implementing ACORD Standards.
The initial goal is to create standardized messages that
help insurers achieve consistent implementation of
electronic new business applications.
Property & Casualty
The Property & Casualty Standards encompass personal and commercial lines,
surety and workers’ compensation reporting in multiple formats. The P&C
Standards are also used to service data for the global reinsurance market. In
2011, members approved 43 Maintenance requests that improved aspects of
the P&C Standards including XML, AL3, and ACord Forms.
Interoperability
Reinsurance transactions often
require complex global exchanges of
information. ACORD is developing
interoperability between ACORD’s
P&C and Reinsurance Standards
to smooth the flow of reinsurance
data. In addition to the benefits to all
parties along the distribution chain,
this initiative will support ACORD’s
larger interoperability goals by
demonstrating how ACORD
Standards work together to improve
efficiency across lines of business.
Telematics
Telematics is the combination of
telecommunications and informatics
used to gather and transmit data
remotely from motor vehicles. This
data includes driving activity,
accident reporting, GPS usage, and
other functions.
Acting on a member’s suggestion,
ACORD is bringing together a
community of insurers to create
a Standard for telematics data
and reporting. This Standard will
improve the quality and availability
of vehicle data that can be used
for reporting and analytics. A
telematics Standard will enable the
transmission of consistent data that
allows insurers to make business
decisions within their underwriting,
sales, marketing and product
management areas.
Telematics represents an important
opportunity for ACORD to enter an
emerging area that will only grow in
importance to our industry.
Excess & Surplus Lines
ACORD continues to work with
industry organizations such as the
Agents Council for Technology
(ACT), American Association
of Managing General Agents
(AAMGA), and National Association
of Professional Surplus Lines
Offices (NAPSLO) to drive the
Excess and Surplus Lines market
to adopt Standards and to facilitate
automated movement of data
between independent agents,
MGAs, and carriers.
CoMMerCIAL LINeS dowNLoAd
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.
peggy Scott
manager, marketing Information
management, liberty mutual
agency corporation
“ACORD understands and
exemplifies working in
collaboration to maximize
results for all. That’s why
it continues to provide
a forum where carriers,
software providers and
agents can come together
to find single solutions to
technology problems or
business requirements. The
industry today would not be
as far along as it is in terms
of cost effective technology
implementation with industry
standards and improving
operational efficiencies were it
not for ACORD’s stewardship.”
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10
Reinsurance
@ACORD_RE
acord.org/re
SHArING eXPerIeNCe ANd eXPerTISe ACroSS THe GLoBe To INCreASe e-TrAdING eFFICIeNCY.
ACord Standards play a key role in driving major initiatives in the global reinsurance community for both “front
office” placing activity and “back office” premiums and claims processing and settlement.
Placing
There are various initiatives underway:
• The London insurance market is using ACORD messages to administer contract changes and
endorsements. During 2011, 28 broking firms processed more than 30,000 endorsements with 52
Lloyd’s Managing Agents and 21 insurance companies.
• The Exposure Reporting standard has been developed for the collection and reporting of exposure
information which can be used throughout the insurance value chain. The standard was developed
with the assistance of many of the catastrophe modeling software vendors. This group includes
representatives from reinsurance firms from the US and Europe.
Premiums and claims
The reinsurance standards for premiums and claims processing, the electronic Back
office Transaction Standard (eBoT) and electronic Claims office Transaction Standard
(eCoT), are now a global success. Brokers and insurers have implemented them in
more than 30 countries spread across six continents. details include:
• The US Reinsurance Committee is overseeing and promoting implementation
of the standards in the US. Various marketing activities during 2011 have
raised the profile of this work and this will continue in 2012 with specific
activities aimed at cedents.
• The Ruschlikon Initiative is focusing on the implementation activities of some
of the largest firms in the industry who are coordinating their activities globally.
Aon, Willis, Guy Carpenter, Swiss Re, SCOR and Munich Re processed more
than 200,000 messages in 2011 and are set to double that in 2012.
• There are also groups focusing on implementation within other areas such
as Bermuda and London market. Both of these markets already have some
implementations and this is set to increase in 2012.
• Low cost options are in development, including Cedent Bordereau in the US
and Ruschlikon Lite, that allow smaller firms or cedents to participate without
full standards implementation.
• Many insurers in the London market share a common back office and a
version of the standards called E-Accounts has been developed to support this.
8 London brokers are now processing transactions with all Lloyds syndicates
and more than 80 insurance companies.
ACord’s reinsurance standards benefit each member of the value chain. The ceding
company sees reduction in cycle time and paperwork and improvements in data
consistency. For the broker, standards make it easier to analyze data and respond to
queries. For the reinsurer, standards mean faster payment turnaround to the cedent,
and better data, which results in better pricing.
As the reinsurance industry’s understanding deepens about what it gains from
standards implementation, more organizations are taking the important step
toward ACord.
graham clarke
ceo, miller Insurance
Services ltd
“Using ACORD messages
to obtain agreement to our
clients’ endorsements is a
real step forward. It can be
used to support the face to
face negotiation necessary
for complex transactions
but also allows simple
administrative endorsements
to be processed and agreed
without the overhead of
a face to face visit thus
allowing us to concentrate our
efforts where they support
our clients’ needs best.”
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Australia
“IT’S uNPreCedeNTed IN AuSTrALIA For CoMPeTITorS To TALk ABouT
TeCHNoLoGY SoLuTIoNS. However, ACord HAS CreATed A CoLLABorATIve
eNvIroNMeNT To deveLoP STANdArdS THAT BrING reAL vALue To THe INduSTrY
ANd THe CuSToMerS IT ServeS. THe vISIoN IS THere, ANd Now we’re workING
TowArdS IT.”
-tRoy FiliPceVic, executiVe ManageR, SuncoRP
In 2011 ACord established the Australian General Insurance Program to provide insurance
process, messaging and data Standards for the General Insurance (Property & Casualty)
marketplace in Australia. The scope of the Standards includes all general insurance products and
focuses on the entire insurance business process. It involves all constituencies in the community
including agents & brokers, distributors, insurers, solution providers and regulators.
The Australian insurance industry has seen continuous growth in premiums year over year
because of product innovations which include bundling of policies, improved distribution and
servicing strategies. Market size and growth are the driving forces behind improving how data
flows through the Australian market and connects with the rest of the world.
ACord members in Australia officially adopted the ACord Messaging Library as the data
Standard for use within the Australian general insurance market. Two segments of ACord XML,
Professional Indemnity and Commercial Motor, are available for testing and implementation
within the Australian market, and others are in development.
Australian Life Standards
In addition to General Insurance,
ACORD has expanded its presence
into the Australian life insurance
market. The 2011 ACORD Life
Insurance Standards seminar in
Sydney brought together insurers,
funds, administrators and solution
providers to discuss the business
value of implementing ACORD
Standards. The result: development
of the new Australian Life Insurance
Standards Program.
Australian ACORD Forms
acord.org/au
In late 2011, the first group of thirteen
Australia-specific ACORD forms were
approved by member vote. Although the use
of forms in Australia is still in its infancy, the
market shows great interest in eForms.
All of ACORD’s Australian initiatives have
helped to build a thriving community with
local governance, development, deployment
and implementation support for the Standards.
acord.org/za
Southern Africa Program
“INSurANCe TodAY CroSSeS BorderS ANd CoMPANIeS AT A rAPId PACe.
ACCurACY, eFFICIeNCY, ANd TrANSPAreNCY Are AN IMPorTANT PArT oF
TodAY’S INSurANCe TeCHNoLoGY ANd ACord STANdArdS HeLP uS reACH
THoSe oBjeCTIveS.”
- LYdIA MoATe, Ceo, AFrISure
ACord established the South Africa Standards Program to provide insurance process,
messaging and data standards for Short Term (Property & Casualty) insurance. The
scope of the Standards includes all short term insurance products including personal
lines and commercial lines.
Though the program began in South Africa alone, ACord’s facilitation of several faceto-face
meetings and conferences led to major advances in Standards awareness and
development in the region. Almost immediately, organizations in Botswana, Zimbabwe,
and Namibia saw the value of ACord implementation and decided they also wanted
to standardize. By year’s end the ACord Standards Committee had voted to bring the
ACord Standard to these countries and to rename the program “Southern Africa” to
allow ACord’s work to be leveraged by an even wider audience.
The newly renamed program focuses on the entire insurance value chain and involves
all constituencies in the insurance community. Like the Australian program, ACord’s
Southern African initiative is structured for local governance, development and
implementation support for the Standards.
acord.org/wc
Workers’ Compensation Reporting
This year ACord was engaged by
the workers’ Compensation Insurance
organizations (wCIo) and International
Association of Industrial Accident Boards
and Commissions (IAIABC) to help their
community expand upon and modernize
its current fixed length, flat file format data
Standards. ACord’s XML Standard is being
designed to synchronize with the widely
implemented edI standards now in use.
As these organizations increase electronic
transactions and are embracing newer
technology, they have found great value in
the robustly defined and architected XML
business messages found in the ACord
Standards. The workers’ Compensation
community sees ACord XML as a
means to achieve business goals and
realize significant benefits including
cost savings, ease of doing business,
and greater flexibility in its interactions
with the industry.
The initial focus is to provide a
single XML Standard for workers’
Compensation reporting
requirements as an alternative
to the multiple edI Standards.
Currently North Carolina is in
production and Massachusetts is
piloting the Notice of Assignment
XML message.
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Framework
@ACORD_Framework
acord.org/framework
“we Now SHAre A CoMMoN LANGuAGe ANd A CLeAr roAdMAP.”
- BoRiS BulanoV, inFoRMatica.
It has been a year of great activity and
progress for the ACORD Framework.
The recently released Information Model
version 2.0 marked the beginning of a new
phase in the development of the model.
The Information Model represents
the concepts and relationships of the
insurance industry across all programs,
and will continue to be at the core of all
ACORD Standards development. ACORD
members can use the model as the basis
of application development, for validation
of existing models, or as a source of
information exchange between the
business and IT areas. Broad availability
of the enterprise-class model allows
carriers, software vendors, and service
providers to align strategies and move
forward.
Mapping the content of the various
ACORD Standards to the Information
Model is already underway,
focused on common subject
areas used across all programs.
The Framework team has taken
great care to align existing
ACORD Standards, including the
ACORD Forms Library as well as
the XML and EDI data formats, to
the Model.
The Data Model is progressing,
with a member-driven working
group validating the structure and
design before conducting a general
review of the entire model. We expect
many positive enhancements to the
model as a result of membership
participation.
ACORD’s team has also laid out the
foundational pieces of the final piece
of the Framework, the Component
Model.
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Forms & eForms
Newer, faster, easier…and
helping you stay compliant.
ACORD’s Forms department spent 2011
streamlining its internal processes to
provide faster and more efficient response
to the users of our more than 800 forms.
Whether we’re developing new forms for
Australia or updating existing forms to
comply with new government regulations,
we work to make sure that you can always
access the most current forms when you
need them.
eForms and eLabels
An eForm is an electronic version of an
ACORD form. An eLabel is a unique
data label, consistent across all ACORD
eForms, that provides a common reference
point between a specific field on the eForm
and the corresponding field in a database.
Systems that incorporate eLabels make it
easier for insurers and solution providers
to make required updates to our eForms
more efficiently. This means users can
access the latest versions of ACORD eForms
more quickly. eLabels and eForms help
keep users current and compliant, and also
make it possible for solution providers to
expand their systems’ capabilities.
ACORD Forms are always evolving
in response to regulatory and user
requirements. As we release new forms, we’ll
also develop matching eLabels as needed.
Compliance
In response to our forms users’ needs, a new
Forms FAQ now resides on the ACORD website,
fed by a knowledge base that addresses their
questions in a clear and consistent manner.
One common question: How do I know if the
ACORD Forms I’m using are compliant with the
latest regulations in my area? We can’t predict
when lawmakers will decide to change regulations
that affect our forms, but we can make sure that we
respond quickly to regulatory changes.
For example, in 2011 we learned that New York State
was instituting new requirements for producers, and
we immediately began work with the state’s Insurance
Department, the Association of Professional Insurance
acord.org/Standards/forms
Agents (PIA) and the Independent Insurance Agents and
Brokers of New York (IIABNY). The resulting new form,
ACORD 39, was released in advance of the regulatory
deadline, and will make it easier for producers to comply
with the new disclosure requirements.
ACORD is prepared to support any other jurisdictions
with a similar regulatory requirement. We’re helping you
stay current and compliant, year after year.
Dynamic Forms
Many ACORD Forms users have asked about the
possibility of creating dynamic ACORD forms. A
dynamic form changes according to the user’s needs.
For example, specific form fields might disappear if
they’re not being used, or could expand to accommodate
additional required information. In 2011 ACORD
brought together agents, carriers, and solution providers
to discuss the concept and completed a white paper that
documents the business case and user issues in detail. In
2012 we will continue to explore the possibilities.
AGENCY
CONTACT
NAME:
PHONE
(A/C, No, Ext):
FAX
(A/C, No):
E-MAIL
ADDRESS:
CODE: SUBCODE:
AGENCY CUSTOMER ID:
INSURED
NAME OF INSURED (First, Middle, Last)
PRIMARY
PHONE #
NAME OF SPOUSE (First, Middle, Last) (if applicable)
PRIMARY
PHONE #
CONTACT
CONTACT INSURED
NAME OF CONTACT (First, Middle, Last)
PRIMARY
PHONE #
DATE OF BIRTH FEIN (if applicable)
DATE OF BIRTH
WHEN TO CONTACT
HOME BUS CELL
SECONDARY
PHONE #
LOSS
LOCATION OF LOSS
STREET:
CITY, STATE, ZIP:
COUNTRY:
DESCRIBE LOCATION OF LOSS IF NOT AT SPECIFIC STREET ADDRESS:
KIND OF FIRE
LIGHTNING FLOOD
LOSS
THEFT
HAIL
WIND
PROPERTY LOSS NOTICE
HOME BUS CELL
INSURED LOCATION CODE
POLICY NUMBER
CONTACT'S MAILING ADDRESS
PRIMARY E-MAIL ADDRESS:
SECONDARY E-MAIL ADDRESS:
PROPERTY / HOME POLICY
DATE OF LOSS AND TIME
DATE (MM/DD/YYYY)
CARRIER NAIC CODE
POLICY NUMBER
POLICY NUMBER
DESCRIPTION OF LOSS & DAMAGE (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
REPORTED BY
HOME BUS CELL
HOME BUS CELL
SECONDARY
PHONE #
FEIN (if applicable)
SECONDARY
PHONE #
MARITAL STATUS
HOME BUS CELL
MARITAL STATUS
HOME BUS CELL
FLOOD POLICY
CARRIER NAIC CODE
WIND POLICY
CARRIER NAIC CODE
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:
REPORTED TO
POLICE OR FIRE DEPARTMENT CONTACTED
REPORT NUMBER
PROBABLE AMOUNT ENTIRE LOSS
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
AM
PM
Certificates
Last year ACORD changed the
cancellation wording on its certificates
in response to state regulatory
requirements. This change required
insurance producers, carriers, and
regulators - as well as those outside the
industry who receive certificates, such
as general contractors, mortgage lenders,
and governmental agencies - to adapt
to the new language. ACORD took
immediate action to help increase
Forms Highlights
understanding of the issue,
including hosting a meeting
with industry leaders to raise
awareness, participating in
webinars, seeking out speaking
opportunities, and responding
to inquiries from agencies,
carriers and other organizations to
educate them about the insurance
regulatory realities that made the
language changes necessary.
• New and enhanced ACORD Forms were approved and released in 2011. These
included Cyber Liability, Specialty Lines, Flood, Disclosure and Garage.
• Several sectional-style personal lines forms were redesigned to be republished
as “stand-alone” applications, including:
• Personal Umbrella Application
• Dwelling Fire Application
• Personal Inland Marine Application
• Mobile Home Application
• Watercraft Application
The corresponding forms were similarly upgraded to incorporate any relevant
information added to the redesigned applications.
• ACORD convened a new Life & Annuity Forms focus group to take a fresh look
at the current ACORD Life & Annuity forms, and help prioritize actions based
on industry needs.
17

18
Advisory Services
acord.org/advisoryservices
“ACord’S STAFF IS weLL PrePAred ANd doeS AN eXCeLLeNT joB IN ProvIdING
AN overvIew oF THe oPTIoNS For BuILdING ouT ACord ModeLS. we APPreCIATe
THAT THeY Are ALwAYS wILLING To oFFer ANd reCeIve INPuT. THIS reLATIoNSHIP
wILL Be CrITICAL AS we Go ForwArd AS A CoMPANY ANd AS AN INduSTrY IN
deveLoPING THeSe ModeLS.”
-toBy nunn
SenioR aRchitect, cincinnati Financial
An important aspect of ACord’s current re-organization is the expansion of services that help our members in all
programs with Standards implementations. In 2011, ACord began to offer Advisory Services, including Standards
and Framework training to individual companies, implementation communities, and other groups. ACord
Advisory Services staff can:
• Present an overview of why and how standards should be used
• Recommend tools and resources to maximize your investment in
ACORD standards
• Improve your standards knowledge before starting a new implementation
• Explain how to understand and implement the ACORD Framework
• Help prepare your implementations for ACORD certification
• Prepare you for ACORD Certified Expert tests
• Offer best practices for managing and facilitating an ACORD
implementation project
• Help you address internal barriers to standards implementation
• Educate new and emerging markets on the value of using ACORD standards
• Guide implementation communities looking to address common challenges
by sharing consistent messages and workflows
• Conduct surveys, benchmarking and market analyses
• Perform company health checks to determine readiness for
ACORD implementation
Tools
A key long term goal for ACORD is to further the implementation of
Standards via distribution of tools and utilities that developers can use to
build industry Standards into their software products.
ACORD will make more tools available as we continue the migration to modelbased
Standards and components. A good example of why ACORD’s tooling
initiative will benefit members: Message Forge.
Message Forge
“MeSSAGe ForGe ALLowS Me To Be More AGILe IN THe
CreATIoN ANd doCuMeNTATIoN oF THe STANdArdS, wHICH
IN TurN ProvIdeS our MeMBerS wITH IMProved ANd More
eXACTING IMPLeMeNTATIoN reSourCeS.”
- yolanda auStin, acoRd
In 2011, the addition of Standards
programs for Australia, Southern Africa
and Workers’ Compensation Reporting
brought ACORD to a grand total of eight
Standards programs, and made ACORD
more representative than ever of the
global insurance community.
But with that rapid growth came a
challenge: How to quickly provide new
communities with an efficient method for
Standards development that could remain
consistent across geographies and lines of
business?
Our members wanted robust and precise
messages, tailored for different audiences
such as business analysts or developers.
So we studied the existing message
documentation from all of our programs
and took the best aspects of each. When
we put it together with our members’
feedback – breakthrough! We’d created
a meta-model for message development:
Message Forge.
Message Forge at its core is a template for
uniform message creation. The template
Testing and Certification Facility
approach means all specifications
look and act the same way, and enable
members to develop deliverables that
contain the same level of consistency
and detail across the board. Another
benefit is the ability to add data
directly as a Maintenance Request
that can be voted on and added to the
specification right away
We piloted Message Forge using the
Employee Benefit Census and LIMRA
messages. The results were satisfying,
says ACORD’s Karen Mottley, who
worked on the project.
“When we did a demo of the Message
Forge pilot at AIF, people from
several different working groups
immediately said, ‘I want that too.’ It
tells me we’re on the right track, and
it feels good to help make it happen.”
We listened, we took action, we
built Message Forge. It’s how we’re
working and where we’re going.
ACORD Testing and Certification Facility acts as a virtual business partner
to validate that an organization’s messages are sent and received in ACORDcompliant
workflow. Certification by the Facility is a prerequisite for
participation in many implementation initiatives
In 2012, we plan to release an ACORD Standards Translator utility for the
specific purpose of translating any version of any one ACORD Standard to
any other in the library.
19

20 20
Facebook.com/ACORD.Standards @ACORD_Standards
acord.org/about/iga
Communications
with the launch of important new initiatives like ACord 2020 and the reorganization of the
Standards development process, the communications group took on an even more crucial role
in promoting ACord’s activities to the industry. In 2012, ACord‟s communications tools will be
focused on promoting a strong sense of community among ACord members and engaging them
as active participants using our website and other social media tools.
The ACord newsletter entered its second year as a weekly publication, with a strong subscriber
base. Fresh content and unique perspectives provided by professional industry writers and
bloggers, alongside the ongoing contributions from leading publications are making the
newsletter a valuable one-stop hub of industry information, aggregating content of interest
to all our member communities.
ACord video’s new bi-weekly “ACord in the News”, spotlights our accomplishments and
milestones worldwide. It can be viewed on the acord.org homepage. ACord’s social media
presence continues to grow on Twitter and Facebook. Staff post regular updates and we are
adding new fans each week. A LinkedIn group launched this year to promote the ACord
Implementation Forum Group grew to 600 members. An ACord LoMA Forum group has been
launched for the 2012 event.
ACord communications aim to raise awareness of the ACord mission with focused and targeted
messages that drive home the value of implementation to each industry community.
Industry & government Affairs
“BY PArTNerING wITH ACord, we Are eXCITed To HeLP
drIve STANdArdS, eSPeCIALLY THoSe uNIque To our LIFe
ANd HeALTH INSurANCe INduSTrY, To ProvIde CAPABILITIeS,
eFFICIeNCIeS ANd eCoNoMIeS To ProduCerS ANd INSurANCe
CoMPANIeS, uLTIMATeLY To THe BeNeFIT oF CoNSuMerS.”
-aRt JetteR, nailBa
ACORD’s members hail from many lines of business and countries, each with
differing needs, interests and opinions. To make sure our goals for the future align
with our members’ and the industry’s many priorities, ACORD works actively with
industry and government associations to stay well informed and to educate the
industry about our initiatives.
Many ACORD members come from the Information Technology sector, and since
IT infrastructure investments receive increased scrutiny in the current financial
climate, ACORD works to help their insurance business counterparts understand
why ACORD Standards are an especially important and valuable tool that should
be implemented. At the same time, we work with IT departments to increase their
understanding of the business sector, so they can anticipate business strategies and
develop tools that will help achieve their organization’s goals.
ACORD participates in a broad range of trade association meetings, conferences
and collaborative projects covering the range of insurance industry lines of business
and geographies represented within our membership. We had strong presence as
invited speakers, event sponsors and exhibitors at major conferences including RIMS,
NAILBA, CIAB, the Big I and more. We bring a focus on specific near-term projects
with implementation and advocacy opportunities.
We actively track regulations that impact our Standards and Forms, and also larger
international developments like Solvency II and other modernization efforts such as
emerging marketplace conduct.
ACORD’s partnership with the National Insurance Producer Registry (NIPR) is a
great example of what happens when insurance-related data is shared between
the industry and the state regulatory bodies. The ACORD/NIPR relationship
has yielded significant advances in creating appropriate standard messages to
transmit that data.
“THe MoST eXCITING MoMeNTS IN MY roLe AT ACord Are
wHeN I GeT To eXPLAIN To A TrAde ASSoCIATIoN CoLLeAGue
or AN INSurANCe SuPervISor wHY ACord’S dATA
STANdArdS MATTer So vITALLY. THIS INduSTrY MANAGeS
rISk ANd INForMATIoN, ANd THAT ALL CoMeS dowN To
dATA. So IT’S THrILLING wHeN You TeLL PeoPLe ABouT How
our STANdArdS IMPLeMeNTATIoNS LeNd eFFICIeNCY ArouNd
THe GLoBe, ANd wATCH THe LIGHT dAwN oN THeIr FACeS.”
-ann henStRand, acoRd
21

22
22
Events
wHere BuSINeSS ANd TeCHNoLoGY SHAre kNowLedGe, FINd SoLuTIoNS ANd NeTwork.
ACORD LOMA Forum
@acordlomaforum
Facebook.com/ACORDLOMA
acordlomaforum.org
The ACORD LOMA Insurance Systems Forum headed to a new location in sunny San Diego
and featured Twitter founder Biz Stone as the keynote speaker. The ACORD LOMA program
featured sessions that appealed to attendees from both the business and technology
sectors of the industry who also enjoyed the valuable networking opportunities.
Facebook.com/ACORDIF acord.org/aif
ACORD Implementation Forum
The ACORD Implementation Forum saw steady growth in its fourth
year and continues to reinforce its status as THE place to learn about
working with ACORD Standards and the Framework. A highlight of
this year’s Forum was the well-attended ACORD Awards and ACE
conferment ceremony.
Insurance Technology Congress
ACORD, in association with Insurance Day magazine,
presented the inaugural Insurance Technology Congress event
in London. More than 300 delegates attended the two-day
event which featured sessions covering topics relevant to the
London and European markets and global implementation of
ACORD standards.
23

24
Reorganizing to serve you better.
acord.org/communities/sdo
Standards Development
“THe ACord STANdArdS CoMMuNITY HAS TruLY CoMe
ToGeTHer To STreAMLINe ProCeSSeS, deveLoP A STrATeGY
To deLIver STANdArdS FASTer ANd More TrANSPAreNTLY,
ANd INCLude our CoMMuNITIeS, eSPeCIALLY THe
GeoGrAPHICALLY reMoTe oNeS, MuCH More. I Look
ForwArd To workING wITH ACord STAFF ANd voLuNTeerS
TowArd A More AGILe STANdArdS deveLoPMeNT ProCeSS
THAT BeNeFITS ALL our MeMBerS.”
-Monique heSSeling
chaiR, acoRd StandaRdS coMMittee
head oF PeRSonal lineS/SMall coMMeRcial SegMent
deVeloPMent, ZuRich
In 2011, after a decade of unprecedented growth in participation and expansion
of scope we began the first phase of a reorganization designed to better serve our
members and provide greater benefit to the industry at large.
We began by separating the standards development process from the standards
implementation process, and set up a structure that allows us to focus the
appropriate resources in each area.
We’re examining the day-to-day details of how we develop ACORD Standards,
taking a fresh look at who we are, and who we can be. We seek to constantly validate
that are we meeting the needs of the industry with well-focused Standards that are
developed with openness and broad participation.
The ACORD Standards Committee will direct the development initiatives, working
towards our longer term goal to build a model-based standards development
platform that more precisely targets our communities and serves their specific needs.
This platform is an important first step towards creating a new perception of
standards as products developed by experts based on industry requirements.
This effort has been extremely successful in all aspects so far. It has engaged
members in thoughtful dialogue, brainstorming and visioning. It has identified
opportunities across a broad spectrum. And most importantly it has resulted in a
robust, specific plan of action.
Creating better Standards. That’s what ACORD is all about.
“IT’S NoT ABouT ASkING You To uSe wHAT we HAve; IT’S
ABouT ProvIdING You wHAT You Need.”
-Rick heil, acoRd
25

26
ACORD 2020 Advisory Committee
“THe vALue oF STANdArdS SHouLd Be MeASured INITIALLY BY uTILIZATIoN,
AdoPTIoN ANd, uLTIMATeLY, BY eCoNoMIC vALue Added To MeMBerS oF
THe INSurANCe INduSTrY vALue CHAIN. THAT CHAIN INCLudeS CoNTrIBuTorS
rANGING FroM THoSe ProvIdING ProduCTS, CAPACITY, CLAIMS, dISTrIBuTIoN,
ANd SoLuTIoNS To CLIeNTS, CuSToMerS ANd INSuredS. THe eFForTS ACord
IS MAkING To CoNTINuouSLY IMProve uPoN STANdArdS IMPLeMeNTATIoN
ProCeSSeS wILL Serve To INCreASe THe vALue oF THe orGANIZATIoNS ANd
INdIvIduALS THAT PArTICIPATe.”
- SPeRo ZachaRiaS
chaiR, acoRd 2020 adViSoRy coMMittee
SenioR Vice PReSident, chuBB
As part of ACORD’s reorganization, we have created a companion committee to the ACORD
Standards Committee. While the ASC focuses on development, the new ACORD 2020 Advisory
Committee focuses on driving Standards implementation. The 2020 Committee is the central
forum for ACORD’s implementation activities including:
• Identifying implementation opportunities across the industry
• Forming strategies to turn those opportunities into successful implementations
• Defining metrics to measure the success of implementation initiatives
• Inspiring industry understanding of the vision and value of implementation
The 2020 Committee’s initial activities involved organizing roundtable discussions with a broad
cross-section of industry communities on a variety of topics. A 2020 presentation took center stage
at the ACORD Implementation Forum, and expanded media presence and advocacy is planned for
2012, including a series of videos featuring ACORD members showcasing their successful ACORD
Standards implementations.
The ACORD 2020 Advisory Committee will create an environment that helps facilitate the work of
the various communities within the industry that implement ACORD Standards. A community may
be small and united around a single purpose, or it may cross geographic borders and lines of business
in pursuit of a broad set of business objectives.
Since each community has a different personality and objective, the 2020 Committee will explore ways
in which ACORD can leverage the activities of one community to help another, as well as identifying
shared needs, such as advocacy, exchange development, or tooling.
CoMMuNITIeS ANd INITIATIveS AddreSSed BY THe
2020 CoMMITTee INCLude:
• AAMGA
• AUGIE
• Bermuda
• CIAB
• DTCC
• E-Accounts
• E-Endorsements
• E-Signatures
• Excess & Surplus Lines
• IIABA
• IICMVA
• IRI
• LBTC
• LIMRA
• LTCI
• NASBP
• RAPA
• Ruschlikon
• SILA
• Telematics
• US Reinsurance
27

28
ACord STAFF MeMBerS INvoLve THeMSeLveS IN ALL THe PrACTICAL
dAY-To-dAY ACTIvITIeS NeCeSSArY To SuPPorT our dIverSe MeMBerSHIP
IN ITS vArIouS dISCIPLINeS.
“ASSoCIATIoNS ANd CoMMuNITIeS Are BuILT INTo THe dNA oF
ACord. 40 YeArS AGo THe ProFeSSIoNAL INSurANCe AGeNTS
PLAYed AN INTeGrAL PArT IN THe deveLoPMeNT oF ACord
STANdArdS, ANd THe AGeNT CoMMuNITY HAS reAPed THe
BeNeFITS oF PArTICIPATIoN IN ACord ever SINCe. THe FuTure
IS BrIGHTer STILL.”
-keith SaVino, Pia
@ACORD_education
ACORD Certified Expert
acord.org/ace
The ACord Certified expert (ACe) program is a cornerstone of ACord’s educational
initiatives. To achieve the ACe designation, a candidate must complete three rigorous
exams that include not only detailed and specific ACord knowledge but also general
knowledge of the insurance industry.
This certification provides ACes and their employers with a badge of honor in our industry
that stands for quality, ACord expertise and skill. It also provides industry consumers
with security. An organization that works with a vendor or consultant who employs
ACord Certified experts can be sure that their standards implementation will be
executed properly and efficiently.
The ACe program has graduated more than 70 ACes representing the Life, P&C and
reinsurance lines of business, and nearly 300 candidates are currently enrolled.
In 2011, an exclusive ACe Community website launched that features ACe educational
materials, a discussion forum, and a listing of all current ACe graduates. This site is being
developed into a hub of ACe activity where ACes, ACe candidates, potential employers
and other interested parties can learn about the program, share information and learn
from each other.
In November, new ACes and previous graduates attended the 2011 ACord
Implementation Forum to participate in the ACe conferment ceremony at the ACord
Awards dinner. The Implementation Forum offers ACe training and testing as part of
the program, and has become a valuable event for ACe networking and mentoring
opportunities.
work is underway to streamline the ACe testing process, increase the number of
proctors, and enhance the training materials. As the program expands and the
number of designees and candidates grows, ACord Certified experts will play an
even more vital role in improving the quality of ACord implementations across
the industry.
29

30
global Community
IN AddITIoN To THe New STANdArdS ProGrAMS LAuNCHed IN AuSTrALIA ANd
SouTHerN AFrICA, ACord IS ACTIveLY INvoLved IN SeverAL oTHer GLoBAL
INITIATIveS INCLudING:
Canada
The Centre for Studies in Insurance Operations (CSIO)
has been a partner with ACORD for many years in the
development of Property & Casualty Standards in Canada.
In recent months many of our P&C agency management
vendors have been expanding their presence in Canada and
have expressed a desire to use ACORD eForms technology
with CSIO forms.
ACORD has also had a long relationship with the Canadian
Life Insurance EDI Standards (CLIEDIS). Similar to the P&C
activities, ACORD delivers the XML Standards for CLIEDIS.
India
In 2011 ACORD began discussions with the
Indian insurance community about the use of
ACORD Standards, resulting in a document
from the Insurance Regulatory and Development
Authority (IRDA) that ordered the creation of
a Steering Committee to create India-specific
ACORD Standards for the market.
India is a very diverse insurance market and
ACORD is being discussed on multiple levels for
many different lines of business: Reinsurance
Global Placement, Commercial Property &
Casualty, Personal Lines Property & Casualty,
Life Insurance and Micro-Insurance. Each of
these poses a unique challenge.
ACORD is approaching India as it did Australia
and South Africa -- by working with the
community to define the desired outcome and
the technologies to be used. The Indian market is
very specific about accommodating local needs
and enhancing e-trading capabilities inside the
country. This provides a unique opportunity for
expansion of the ACORD Standards.
China
ACORD’s relationships in China primarily center
on the China Insurance Regulatory Commission
(CIRC) and the China Insurance Industry
Technology Committee (CIISTC). In 2011 ACORD
had its first year of official cooperation in the 8th
Insurance Information Technology Summit and
this will move forward with a wider footprint in
2012.
China Life Ltd. in Beijing continues to expand
the footprint of ACORD Standards inside the
organization, employing various components of
current Framework models. China Life is also
pioneering proof-of-concept for future assets
including the Component Model. This activity has
led to deeper discussions with the parent company,
China Life Group, and the possibility of adoption
of ACORD Standards across the enterprise.
Volunteer@ACORD
acord.org/volunteer
volunteers have been the driving force behind ACord since its beginnings in 1970,
and continue to support and inspire the organization today. ACord volunteers
help create solutions in all areas of Standards development and implementation.
working with ACord helps to improve our entire industry and also brings
professional benefit to the volunteers and their organizations.
ACord’s newly published volunteer Handbook explains the various benefits, which
include opportunities for volunteers to:
• Contribute to the development and enhancement of Standards in line with
their company’s business needs.
• Network with peers and experts who share common professional interests.
• Identify opportunities for Standards implementation that might not have been
otherwise known to their company
• Gain early insight into the future direction of the industry, and help to shape it
31

32
Participation
ACORD Membership
Agents / brokers
Industry Associations / User Groups
Vendors
Insurers / Reinsurers
18%
5%
77%
Forms Program Participation
10%
37%
48%
Reinsurance
Life & Annuity
Property & Casualty
ACORD Forms have been an industry staple for more than 40 years, used daily by
hundreds of insurance companies and thousands of agencies. ACORD makes forms
available to the industry through a variety of programs that include access to the latest
forms in both electronic and printed formats, and we also license our forms to hundreds
of solution providers who incorporate them into their software products.
5%
AUgIE
@ACORD_AUGIE acord.org/augie
The ACORD User Group Information Exchange (AUGIE) facilitates open
communication among industry communities who seek improved workflow
and increased productivity, including agents, brokers, insurers, associations, and
solution providers. AUGIE unites these diverse groups and brings their voices
into the Standards process through meetings, free resources, and online tools.
THe reAL TIMe CAMPAIGN, SPoNSored IN PArT BY ACord
ANd AuGIe, CoNTINueS To work TowArdS INCreASING
reAL TIMe CAPABILITIeS INduSTrY-wIde AMoNG
BoTH AGeNTS ANd INSurerS. reAL TIMe ALLowS AN
INdePeNdeNT AGeNT To eNTer dATA oNCe ANd reCeIve
MuLTIPLe quoTeS oN A PoLICY wITHIN MINuTeS. THIS
INCreASeS THe quALITY oF CuSToMer ServICe wHILe ALSo
FreeING uP TIMe For oTHer TASkS. ACord STANdArdS
Are AT THe rooT oF reAL TIMe CAPABILITIeS.
In February 2011, AUGIE joined forces with ACT and the AIMS Society for a
three-day event in Tampa focused on helping agencies improve business by using
technology, mining existing data, and reducing manual data . Key areas of focus
are increasing implementations in commercial lines, increased use of ACORD
eForms, and the Power of Change educational curriculum that helps agencies
manage change and workflow transitions effectively. AUGIE members also actively
explored the emerging eSignatures area, which will continue to remain
a hot topic in the year to come.
33

INSIDE ACORD
32
John leonard
ACord Chair
President & Ceo
MeMic
lawrence Blakeman
ACord vice-Chair
outside director
gregory a . maciag
President & Ceo
acoRd
Steve Betts
Global Chief Information officer
aon
Sal Branca
Senior vice President
chartis insurance
Jeremy cooke
Global Head of Market relationship
Management
Marsh, inc.
mark esposito
Senior Vice President,
chief technology officer
the hartford Financial Services group, inc.
david findley
immediate Past Vice–chair
outside director
andy fogarty
outside director
alessandro Iuppa
Senior vice President,
Government & Industry Affairs
Zurich
art Jetter
Past Chairman
national association of independent life
Brokerage agencies (nailBa)
John kellington
Senior vice President & CIo
cincinnati Financial corporation
robert kelly
executive Chairman
Steadfast group limited
James knight
executive vice President & Global CIo
chubb & Son insurance company
Barbara koster
Senior vice President & CIo
Prudential Financial
elio “al” lagana
Senior vice President,
enterprise operations,
travelers
Sue langley
director, Market operations
lloyd’s of london
frank liu
regional President
china life insurance company ltd.
2012 BoArd oF dIreCTorS
dennis mahoney
chairman
Sciemus
Samuel medina
group cio
Willis group holdings
william pieroni
Chief operating officer
Marsh, Inc.
(formerly operations Vice President,
State Farm insurance companies)
keith Savino
national association of Professional
insurance agents (Pia)
markus Schmid
Member of the Group executive Board
and Head of IT
Swiss Re
robert Slocum
independent insurance agents &
Brokers of america (iiaBa)
achim Stegner
Head of the Central division:
Global Business Architecture
Munich Re
33

34
keY STAFF
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
AAA Mid-Atlantic Insurance group
ACCC Insurance Company
Access Admin Services
Accident Fund group
ACE INA group
ACUITY
AEgON USA group
Affirmative Insurance group, Inc.
AIA Australia
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
Americo Life group
Ameriprise group
Amerisafe Insurance group
Ameritas Life Insurance Corporation
Andover Companies
Antares Underwriting Services Limited
Aon Corporation
Arbella Insurance group
Arrowhead general Insurance Agency
Ash Brokerage
Assurance America Insurance Company
Assurity Life Insurance Company
Austin Mutual Insurance group
Automobile Club Casualty Company
Auto-Owners Insurance
Aviva USA
AxA Financial group
AxIS Capital Holdings Limited
Brotherhood Mutual Insurance Company
Buckeye Insurance group
PArTICIPANTS as of March 11, 2012
California Mutual Insurance Company
Cameron Mutual group
Capital Insurance group
Casualty Underwriters Insurance Company
Celina Insurance group
Central Insurance Companies
Central Services group
Century-National Insurance Company
CgU Insurance Limited
Chartis
China Life Insurance Company Ltd.
Chubb group of Insurance Companies
Cincinnati Insurance Companies
Civil Service Employees group
CNA Insurance Companies
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
Donegal group
Dongbu Insurance
Electric Insurance group
EMC Insurance Companies
Employers Insurance group
Encompass group
Enumclaw Insurance group
Erie Insurance group
Everest Security Insurance Company
Farmers Alliance Companies
Farmers Mutual Insurance Company
of Nebraska
FBL Financial group, Inc.
FCCI Insurance group
Fidelity National group
First American Corporation Property &
Casualty Companies
Florida Family Insurance Company
Frank Cowan Company Ltd
Frankenmuth Financial group
Franklin Mutual group
Frederick Mutual Insurance group
Fremont Insurance Company
Frontline Homeowners Insurance
gateway Insurance Company
genworth Financial group
german Mutual Insurance
germania Mutual group
global Aerospace Underwriting Managers
global Indemnity group Inc
goodville Mutual Casualty Company
grange Mutual Casualty group
great American group
great Northwest group
great West Casualty Company
grinnell Mutual group
guideOne Insurance group
gulfstream Property and
Casualty Insurance Co
H W kaufman Financial group
Hallmark Insurance group
Harleysville Insurance Companies
Hart Re group
Hartford Life group
Hastings Mutual Insurance
Hawaii Employers Mutual
Hingham group
Hochheim Prairie group
Home Wise Management Company
IBNA Limited
IMT Insurance Company (Mutual)
Indiana Lumbermens group
Indwe Risk Services
INg group
Injured Workers Insurance Fund
International Insurance Company
of Hannover Limited
Jardine Lloyd Thompson group PLC
kemper Preferred
35

PArTICIPANTS (continued)
36
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 U.S.A. Corp.
Markel Corporation group
Marlborough Underwriting Agency
Limited
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
Mercury general group
MetLife Auto & Home
Metropolitan Life & Affiliated
Michigan Millers Mutual Insurance
Company
Middlesex Mutual and Holyoke Mutual
Miller Insurance Services Limited
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
Mutual Benefit group
Nationwide
Nationwide
New Mexico Mutual group
New York Life group
NIAC - Nonprofits’ Insurance Alliance
of California
Northwest g F Mutual
Ohio Mutual Insurance group
OneBeacon Insurance group
Oregon Mutual Insurance Company
Pacific Life group
PartnerRe US group
Partners Mutual Insurance Company
Pekin Insurance group
Penn Millers Insurance
Penn National Insurance
Pennsylvania Lumbermens Mutual
Insurance Company
Philadelphia Contributionship group
Philadelphia Insurance Company
Pinnacol Assurance
Pioneer State Mutual Insurance
Company
Plymouth Rock Companies
Poulton Associates Inc
Preferred Mutual 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
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
Star Life Insurance Company
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.
Texas Mutual Insurance Company
The Bremen Farmers’ Mutual Insurance
Company
The Brethren Mutual 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
TIAA-CREF Life Insurance Company
TigerRisk Partners
Tokio Marine Management Inc U.S.
Manager for Tokio Marine & Nichido
Fire Ins
Tower group Companies
Tuscarora-Wayne group
Union Mutual of VT Companies group
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
West Bend Mutual group
Western National Insurance group
Western Reserve Pool
Westfield group
Willis
Wisconsin Mutual Insurance Company
Wolverine Mutual Insurance Company
xL Reinsurance
Zurich Financial Services
Australia Limited
Zurich Insurance group - NA
Solution Providers
Accenture
Adsensa Ltd.
Advantage Information Systems Inc
AETINS Sdn Bhd
Agency Computer Systems Inc
Agency Insurance Services U.S. Inc.
Agency Matrix LLC
Agency Software Inc
Agency Technologies Inc
American Para Professional Systems Inc
Aon eSolutions
Aplifi
Applied Systems Inc
Appulate Inc
AQS Inc
Artizan Internet Services
Assentis Technologies Inc
ASTUTE Financial Services Exchange
Birlasoft India Pvt Limited
Blackwell Consulting Services
Boston Software Corporation
Brandex Corporation
Brolink
Bupa
Cedar Springs Technologies Inc
CgI Technologies and Solutions Inc
Clinical Reference Laboratory
CodeObjects
Cognizant
Computer Solutions & Software
International Inc
Cover-All Technologies Inc
Crump
CS Stars
CSC Financial group
Dell Services
Deloitte Consulting
Diasoft
Discoverture Solutions LLC
Dragonflyware LLC
DST Systems
DTCC
Duck Creek Technologies Inc
eBaoTech Inc
Ebix Inc
eBridge Solutions Inc
Effisoft
EMC- Document Sciences
EMSI
Entrepreneurial Advantage
Epic-Premier Insurance Solutions Inc
EquiSoft
Ereinsure.com
Eurobase
Evolution Agency Management LLC
ExamOne, A Quest Diagnostics
Subsidiary
Exaxe Ltd.
Excalibur Consulting LLC
Exigen Insurance Solutions
ExL Life PRO
EZLYNx by Webcetera LP
FAST
FINEOS Corporation
FirstBest
FJA-US Inc
Focus Technologies LLC
gamma-DynaCare Medical Labs
global Insurance Technology Inc
gMC Software Technology
guidewire Software
Hawksoft Inc
HCL Technologies Ltd
Hewlett Packard
Hexaware Technologies Inc
Hitachi, Ltd. Financial Information
Systems Division
Hooper Holmes
Hyland Software Inc
IBM
IDMI
igATE Patni
Informatica
Infosys Technologies Ltd
Innovation group
InsPro Technologies
Insurance Data Processing
Insurance Technologies
Insurance Technologies Corporation
Insurance Technology International Inc
InsuranceCONNECT Pty Ltd
InSure Vision Technologies LLC
iPipeline
ISCS Inc
ISIS Papyrus America Inc
iter Inc
IVANS
Jenesis Software
kaplan Compliance Solutions
L&T Infotech
LexisNexis
McCamish Systems
Mg SYSTEMS CONSULTORIA E
SISTEMAS LTDA
MIB group Inc
Microsoft
MIP Holdings
MphasiS Corporation US
MSg Systems
NexJ Systems Inc.
NIIT Insurance Technologies Limited
NIIT-Technologies
No Magic Inc
North American Software Associates
NSEit
NxTech Inc.
Oceanwide Inc
One Inc
OneShield Inc
Oracle Corporation
Pegasystems Inc
Perspective Technologies Ltd.
PilotFish Technology
Pitney Bowes Business Insight
PlanetSoft
37

PArTICIPANTS (continued)
38
Polaris Software
Prima Solutions
Progress Software Corporation
Qatar Insurance Services LLC
QQ Solutions
Quadrant Information Services
RCg global Services Inc
RgA Technology Partners
RiverStone Resources
Riverswave
RSA Medical
Salesforce.com
SAP
Sapiens North America
SAS Institute Inc
SeaPass
Sequel Business Solutions Limited
Siebre Systems Ltd
Silvermoon Business Systems
Sinosoft Co Ltd
Special Agent
StoneRiver
Strategic Insurance Software LLC
STRIPE global Services Limited
Superior Access Insurance Services Inc
Superior Mobile Medics Inc
Sword Insurance
Syntel Ltd
Systemize IT Limited
Tandicorp
Tata Consultancy Services
Telesis global Solutions Limited
Teradata
Thunderhead
Tibco Software
TIW group Ltd.
Torrent Technologies Inc
Total Objects Limited
Trace Isys Ltd
Transunion Credit Bureau (Pty) Ltd.
TriSystems Limited
UnivitaHealth
Vallue Consulting
ValueMomentum Inc
Verisk Analytics
Vertafore Inc
VERTEx Inc
VRC Insurance Systems
Web Connectivity Limited
Wipro Technologies Ltd
xanatek Inc
xchanging Ins-sure Services Limited
Associations
AAMgA
AIPSO - Automobile Insurance Plans
Service Office
ASCnet - Applied Systems Client
Network
Aviation Software Alliance
Business Insurance
CIAB - Council of Insurance Agents
& Brokers
CLIEDIS - The Canadian Life Insurance
Standards Association
Commonwealth Automobile Reinsurers
CSIO - Centre for Study of Insurance
Operations
Fenaseg
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
Insurance Bureau of Canada
Insurance Council of Botswana
Insured Retirement Institute
IUA - International Underwriting
Associations
LIIBA - London and International
Insurance Brokers’ Association
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
NIPR
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 Africian Ins Crime Bureau
Success group International LLC
The South African Insurance Association
Underwriters Rating Board
Washington Surveying & Rating Bureau
Workers Compensation Insurance
Organizations (WCIO)
ACord Forms Participants
1st Auto & Casualty Insurance Company
Accident Fund general Insurance
Company
Accident Fund Insurance Company
of America
Accident Fund National Insurance
Company
ACE American Insurance Company
ACE Fire Underwriters Insurance
Company
ACE Insurance Company of the Midwest
ACE Property & Casualty Insurance
Company
ACUITY A Mutual Insurance Company
Advantage Workers Compensation
Insurance Company
Affinity Mutual Insurance Company
AgCS Marine Insurance Company
Agrigeneral Insurance Company
Aioi Nissay Dowa Insurance Company
of America
Alamance Farmers Mutual Insurance
Company
Alamance Insurance Company
Alaska National Insurance Company
Alfa Alliance Insurance
Alliance Mutual Insurance Company
Allianz global Risks US Insurance
Company
Allied Eastern Indemnity Company
Alterra Specialty Insurance Company
America West Insurance Company
American Alternative Insurance
Corporation
American Automobile Insurance
Company
American Bankers Insurance Company
of Florida
American Country Insurance Company
American Family Home Insurance
Company
American Family Insurance Company
American Family Mutual Insurance
Company
American Insurance Company
American Interstate Insurance Company
American Interstate Insurance Company
of Texas
American Mercury Insurance Company
American Mercury Lloyds Insurance
Company
American Mining Insurance Company
American Modern Home Insurance
Company
American Modern Insurance Company
FL
American Modern Lloyd’s Insurance
Company
American Modern Select Insurance
Company
American Modern Surplus Lines
Insurance Company
American Reliable Insurance Company
American Service Insurance
Company Inc
American Southern Home Insurance
Company
American Southern Insurance Company
American Standard Lloyd’s Insurance
Company
American Western Home Insurance
Company
Americas Insurance Company
Amerisure Insurance Company
Amerisure Mutual Insurance Company
AmeriTrust Insurance Corporation
Amguard Insurance Company
AmTrust Insurance Company of kansas
Arbella Protection Insurance Company
Argonaut great Central Insurance
Company
Argus Fire and Casualty Insurance
Company
ARI Casualty Company
ARI Mutual Insurance Company
Arizona Home Insurance Company
Associated Indemnity Corporation
Association Insurance Company
AT&T Services, Inc
Atlantic Employers Insurance Company
Attorneys Insurance Mutual of Alabama
Austin Mutual Insurance Company
AxIS Insurance Company
AxIS Reinsurance Company
AxIS Specialty Insurance Company
Axis Surplus Insurance Company
Bankers Insurance Company
Bankers Standard Fire & Marine
Company
Bankers Standard Insurance Company
Barnstable County Insurance Company
Barnstable County Mutual Insurance
Company
Bear River Mutual Insurance Company
Berkley National Insurance Company
Berkley Regional Insurance Company
Bituminous Casualty Corporation
Bituminous Fire and Marine Insurance
The Brethren Mutual Insurance
Company
Briar Creek Mutual Insurance Company
BrickStreet Mutual Insurance
Brookwood Insurance Company
Brotherhood Mutual Insurance Company
Builders Insurance
(A Mutual Captive Company)
Builders Mutual Insurance Company
Bunker Hill Insurance Company
California Casualty & Fire Insurance
Company
California Casualty general Insurance
Company OR
California Casualty Indemnity Exchange
California Casualty Insurance Company
Canal Insurance Company
Capitol Indemnity Corporation
Capitol Specialty Insurance Corporation
Carolina Casualty Insurance Company
Caterpillar Insurance Company
CEM Insurance Company
Century Indemnity Company
Century Surety Company
Century-National Insurance Company
Chartis Ins Co-Puerto Rico
Chicago Insurance Company
Church Mutual Insurance Company
Colorado Farm Bureau Mutual
Columbia Insurance Company
Companion Commercial
Insurance Company
Companion Property & Casualty
Insurance Company
Compensation Rating and Inspection
Bureau of NJ
CompSource Oklahoma
Conifer Insurance Company
Continental Divide Insurance Company
39

PArTICIPANTS (continued)
40
Continental Western Insurance Company
Cooperative Mutual Insurance Company
Cornhusker Casualty Company
Cotton States Mutual Insurance
Company
Country Casualty Insurance Company
Country Mutual Insurance Company
Country-Wide Insurance Company
Countryway Insurance Company
Crum & Forster Indemnity Company
CT Inter Local Risk Management Agency
Cumberland Insurance Company Inc
Cumberland Mutual Fire Insurance
Company
Cypress Insurance Company(California)
Dairyland County Mutual Insurance
Company(Texas)
Dairyland Insurance Company
De Smet Insurance Company of SD
Deerbrook Insurance Company
Dentists Benefits Insurance Company
Diamond State Insurance Company
DTRIC Insurance Company Ltd
DTRIC Insurance Underwriters Ltd
Eastern Advantage Assurance Company
Eastern Alliance Insurance Company
Electric Insurance Company
Elephant Insurance Company
Employers Security Insurance Company
Encompass Floridian Indemnity
Encompass Floridian Insurance
Company
Encompass Indemnity Company
Encompass Insurance Company
Encompass Insurance Company of NJ
Erie Insurance Company
Erie Insurance Company of NY
Erie Insurance Exchange
Erie Insurance Property & Casualty
Company
Everest Indemnity Insurance Company
Everest National Insurance Company
Everest Reinsurance Company
Explorer Insurance Company
F B Insurance Company
Fairmont Insurance Company c/o
MFxChange US Inc
Fairmont Premier Insurance Company
c/o MFxChange US Inc
Fairmont Specialty Insurance Company
Farm Bureau Mutual of ID
Farm Bureau Property & Casualty
Insurance Company
Farm Family Casualty Insurance
Company
Farm Insurance Brokerage Company Inc
Farmer Mutual Insurance Company of
Noble County
Farmers & Merchants Mutual Fire
Farmers Fire Insurance Companies (PA)
Farmers Insurance Company of
Flemington
Farmers Mutual Hail Insurance Company
of Iowa
Farmers Mutual Insurance
Company(WV)
Farmers Union Mutual Insurance(MT)
Farmers Union Mutual Insurance(ND)
Federated Mutual Insurance Company
Federated Service Insurance Company
FFVA Mutual Insurance Company
Fidelity National Indemnity Insurance
Fidelity National Insurance Company
Fidelity National P & C Insurance
Company
Financial Pacific Insurance Company
Fire Districts of New York Mutual
Fireman’s Fund County Mutual
Insurance Company
Fireman’s Fund Indemnity Corporation
Fireman’s Fund Insurance Company
Fireman’s Fund Insurance Company of
Hawaii
Fireman’s Fund Insurance Company of
Louisiana
First Benefits Insurance Mutual
First Chicago Insurance Company
First Nonprofit Insurance Company
FirstComp Insurance Company
Firstline National Insurance Company
Flagship City Insurance Company
Florida Farm Bureau Casualty
Florida Workers Compensation Joint
Underwriting Association
Florists’ Mutual Insurance Company
Forestry Mutual Insurance Company
Founders Insurance Company
Founders Insurance Company of
Michigan
Franciscan Alliance
Franklin Insurance Company
FRSA Self Insurers Fund
FUBA Workers’ Comp
galen Insurance Company
geneva Insurance Company
germania Insurance Company
germantown Mutual Insurance Company
government Employees Ins Co
grain Dealers Mutual Insurance
Company
granada Insurance Company
grange Insurance Association
granite State Insurance Company
great Divide Insurance Company
great West Casualty Company
greater New York Mutual Insurance
Company
greenwich Insurance Company
Halifax Mutual Insurance Company
Harco National Insurance Company
The Harford Mutual Insurance Company
Highmark Casualty Insurance Company
Hiscox Insurance Company
HM Casualty Insurance Company
Hochheim Prairie Casualty Insurance
Company
Hochheim Prairie Farmers Mutual
Hospitals Insurance Company Inc
Housing Authority Property Insurance
Housing Authority Risk RRg Inc
Housing Enterprise Risk Services
Hyundai Marine & Fire Insurance
Idaho State Insurance Fund
Illinois Casualty Company
Illinois FAIR Plan Association
Illinois Union Insurance Company
Indemnity Insurance Company of North
America
Indiana Farmers Mutual Insurance
Injured Workers Insurance Fund
Insurance Company of greater New York
Insurance Company of North America
Insurance Company of the West
Insurors Indemnity Company
Integon general Insurance Corporation
INTEgRAND Assurance Company
Interboro Insurance Company
Interinsurance Exchange of the
Automobile Club
Jewelers Mutual Insurance Company
Joint Insurance Association (MD)
Juniata Mutual Insurance Company
kentucky Employers Mutual Insurance
kentucky Farm Bureau Mutual
kentucky National Insurance Company
Lackawanna American Insurance
Company
Lackawanna Casualty Company
Lackawanna National Insurance
Company
Lebanon Valley Insurance Company
Little Black Mutual Insurance Company
Louisiana Commerce and Trade
Association
Louisiana Pest Control Insurance
Company (LPCIC)
Louisiana Workers Compensation
Corporation
Lumbermen’s Underwriting Alliance
Maine Employers’ Mutual Insurance
Company
Manufacturers Alliance Insurance
Company
MAPFRE Insurance Company of Florida
MAPFRE Pan American Insurance
Company
MAPFRE PRAICO Insurance Company
MAPFRE Preferred Risk Insurance
Company
Markel American Insurance Company
Markel Insurance Company
Markel Insurance Company of Canada
Medical Liability Mutual Insurance
Company
MEMIC Indemnity Company
Mercer Insurance Company
Mercer Insurance Company of NJ
Mercury Casualty Company
Meritplan Insurance Company
Middlesex Insurance Company
Middleton Insurance Company
Midwest Family Mutual Insurance
Company
Millers Capital Insurance Company
Millers Classified Insurance Company
Millers First Insurance Company
Milwaukee Casualty Insurance Company
Mississippi Farm Bureau Casualty
Insurance Company
Missouri Employers Mutual Insurance
Company
Missouri Valley Mutual Insurance
Company
Mount Carroll Mutual Fire Insurance
Company
Mount Vernon Fire Insurance Company
Mt Washington Assurance Corporation
National American Insurance
Company(Ok)
National Continental Insurance Company
National Fire & Indemnity Exchange
National Fire & Marine Insurance
Company
National Indemnity Company
National Indemnity Company
of the South
National Indemnity Company
of Mid-America
National Liability & Fire Insurance
Company
National Specialty Insurance Company
National Surety Corporation
Nautilus Insurance Company
Nazareth Mutual Insurance Company
New Hampshire Insurance Company
New York Marine & general Insurance
Company
Newport Insurance Company
Nodak Mutual Insurance Company
North American Specialty Insurance
Company
North River Insurance Company
North Star Mutual Insurance Company
Northbrook Indemnity Company
Northern Mutual Insurance Company
(MI)
Northern Neck Insurance Company
Northern Plains Insurance Company
Northwest Dentists Insurance Company
Nova Casualty Company
NY Property Insurance Underwritrs
Association
Oak River Insurance Company
Old Republic Insurance Company
Oriska Insurance Company
Pacific Employers Insurance Company
Palisades Insurance Company
Palisades Property and Casualty
Insurance Company
Palisades Safety & Insurance
Association
Parrot Bay Insurance
Partners Mutual Insurance Company
Patriot general Insurance Company
Penn-America Insurance Company
Penn-Patriot Insurance Company
Penn-Star Insurance Company
Pennsylvania Manufacturers Indemnity
Company
Pennsylvania Manufacturers’ Association
Insurance Company
Pharmacists Mutual Insurance Company
Philadelphia Indemnity Insurance
Company
Piedmont Mutual Insurance Company
Platte River Insurance Company
Preferred Professional Insurance
Company
Princeton Insurance Company
Pro group Captive Management
Services
Providence Mutual Fire Insurance
Public Service Mutual Insurance
Company
QBE First
41

PArTICIPANTS (continued)
42
Rainer Insurance Company
RAM Mutual Insurance Company
Red Shield Insurance Company
Redwood Fire & Casualty Insurance
Company
Republic Fire & Casualty Insurance
Company
Republic Lloyds
Republic Underwriters Insurance
Company
Republic-Vanguard Insurance Company
Repwest Insurance Company
RLI Insurance Company
Rochdale Insurance Company
Rockford Mutual Insurance Company
Rockingham Casualty Company
Rockingham Mutual Insurance Company
Rocky Mountain Fire and Casualty
Company
Rural Mutual Insurance Company
Safety First Insurance Company
Safety Indemnity Insurance Company
Safety Insurance Company
Safety National Casualty Corporation
SAIF Corporation
Savers Property & Casualty Insurance
Company
SC Home Builders Self Insurers Fund
SCF American
SCF Arizona
SCF Casualty
SCF general
SCF Indemnity
SCF National
SCF Premier
SCF Western
SeaBright Insurance Company
Security National Insurance Company
Sentry Casualty Company
Sentry Insurance A Mutual Company
Sentry Select Insurance Company
Service Lloyds Insurance Company
Silver Oak Casualty Inc
Society Insurance a Mutual Company
Sompo Japan Insurance Company of
America
Sompo Japan F&M Ins Company of
America
Southern Insurance Company
Southern Mutual Church Insurance
Company
Southern Trust Insurance Company
Southern Underwriters Insurance
Company
Southern Vanguard Insurance Company
SPARTA Insurance Company
Standard Mutual Insurance Company
Star Insurance Company (MI)
StarNet Insurance Company
State Compensation Insurance
Fund of CA
State National Insurance Company Inc
STICO Mutual Insurance Co RRg
Stonington Insurance Company
Sutter Insurance Company
T.H.E. Insurance Company
Technology Insurance Company Inc
Texas Mutual Insurance Company
Thames Insurance Company Inc
TIg Insurance Company c/o MFxChange
US Inc
TNUS Insurance Company
Tower National Insurance Company
Transit general Insurance Company
Triangle Insurance Company
U.S. Underwriters Insurance Company
Ulico Casualty Company
Umialik Insurance Company
Underwriters Rating Board
Union Insurance Company
United Automobile Insurance Company
United Farm Family Insurance Company
United Farm Family Mutual Insurance
Company
United National Casualty Insurance
Company
United National Insurance Company
United National Specialty Insurance
United States Fire Insurance Company
United States Liability Insurance
Company
United Wisconsin Insurance
Universal Insurance Company (NC)
Universal Insurance Company of Texas
Universal Insurance of North America
Valiant Insurance Company
Valiant Specialty Insurance Company
Vanliner Insurance Company
Vinings Insurance Company
Washington State Transit Insurance Pool
Wayne Mutual Insurance Company
Wesco Insurance Company
Westchester Fire Insurance Company
Westchester Fire Insurance Company
Westchester Surplus Lines Insurance
Western Agricultural Insurance Company
Western Community Insurance Company
Williamsburg National Insurance
Company
Wilshire Insurance Company
Wisconsin Municipal Mutual Insurance
Workers Compensation Fund of Utah
xL Specialty Insurance Company
Zenith Insurance Company
ZNAT Insurance Company
Forms Licensees
Abacus Insurance Brokers Inc
Advantage Information Systems Inc
Agency Computer Systems Inc
Agency rating System
Agency resources
Agency Software Inc
Agency Systems
Agency Technologies Inc
American wholesalers underwriting
Ameriprise Financial
Aon Corporation
Arrowhead General Insurance Agency
Assurance Systems Inc
Atlatl
Automotive risk Management
Insurance Services
Barney & Barney LLC
Bollinger Insurance Inc
Boston Software Corporation
Braishfield Associates
Britt/Paulk Insurance Agency Inc
Brown & Brown Insurance
Builders & Tradesmen’s Insurance
Services, Inc.
Burns & wilcox Ltd
CCiComputer Services Inc
Cedar Springs Technologies Inc
Certificate exchange
CGI Technologies and Solutions Inc
Choices Software Inc
City of Los Angeles
Coastal Insurance underwriters Inc
Cochrane & Company
Combined Group Insurance Services
Inc.
Consolidated risk Solutions
Crump Insurance Services of TX
CS Stars
CSC Financial Group
duck Creek Technologies Inc
ebix Inc
epic-Premier Insurance Solutions Inc
evolution Agency Management LLC
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
Hays Companies
Hoffman Computer Systems
Hyland Software Inc
IBq Systems
ICe Systems Inc
Impressive Publishing
Innovation Group
Insurance Technologies Corporation
Insurance visions Inc
International risk Management
Institute
Iroquois Group Inc
ISCS Inc
iter8 Inc
IvANS
kapnick & Company Inc
Leading Insurance Services Inc
LexisNexis
Lockton Company
M & r Information Services Inc
M j kelly Company
Networked Insurance Agents
North American Software Associates
oCI (options and Choices Inc)
oracle Corporation
PaperFree Corporation
Pearl & Associates Ltd
Pitney Bowes Business Insight
PointSure
Policy works Inc
Porter & Curtis LLC
qq Solutions
quomation Insurance Services Inc
rain & Hail LLC
risk Placement Services Inc
Self Insured Solutions
Service First Insurance Group
Silverlake Software LLC
Single entry Systems Inc
Special Agent
Specialty Insurance Agency
Stoneriver
Strategic Insurance Software LLC
Summit Consulting Inc
Superior Access Insurance Services Inc
Sword Insurance
Symetra Financial
Symmetry Technology Labs Inc
TerraAlta risk Inc
Terrace Software Inc
The Heffernan Group
The rough Notes Company
The Starr Group
Time warner
Tower Hill Insurance Group Inc
Transportation Certificate Service Inc
Tri-State General Insurance Agency Ltd
Tropics Software Technologies
united Software developers Inc
verisk Analytics
vrC Insurance Systems
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 GG
Insurance Services
43