ACORD - Binding Authorities Implementation Guide v2.1

BINDING AUTHORITIES IMPLEMENTATION GUIDE

VERSION 2.1 OCTOBER 2006

References: ACORD <P&C/Surety HomePolicy> <Standard Version 1.5> ACORD <P&C/Surety CommlPropertyPolicy> <Standard Version 1.5>

IMPORTANT NOTE: Please be advised that this document and your use of it is governed, and you are bound, by the Terms and Conditions of Use accessible at [http://legal.acord.org/terms.pdf].

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© 2001 – 2006 ACORD CORPORATION – ALL RIGHTS RESERVED.

http://legal.acord.org/terms.pdf

© 2001 – 2006 ACORD CORPORATION – ALL RIGHTS RESERVED. ACORD STANDARDS – BINDING AUTHORITIES IMPLEMENTATION GUIDE – VERSION 2.1 – OCTOBER 2006

Table of Contents

1 INTRODUCTION..................................................................................................................................1 1.1 PREFACE.......................................................................................................................................1 1.2 INTENDED AUDIENCE......................................................................................................................1 1.3 PURPOSE OF THE GUIDE ................................................................................................................1 1.4 HIGHLIGHTS OF AN INDUSTRY STANDARD ........................................................................................1

1.4.1 ACORD Standards Overview..................................................................................................2 1.4.2 Resources Available – Getting Help .......................................................................................2

2 BUSINESS OBJECTIVES AND EXPECTED BENEFITS...................................................................3 2.1 OBJECTIVES AND PROBLEM DESCRIPTION.......................................................................................3 2.2 BUSINESS PROCESS(ES) SUPPORTED.............................................................................................3 2.3 VALUE PROPOSITION......................................................................................................................3 2.4 SCOPE ..........................................................................................................................................4 2.5 BUSINESS WORKFLOW DIAGRAM(S)................................................................................................5 2.6 REGIONAL DIFFERENCES................................................................................................................6

3 DATA DICTIONARY ............................................................................................................................7 3.1.1 Homeowners ...........................................................................................................................8 3.1.2 Commercial Property and General Liability...........................................................................16

4 IMPLEMENTATION ISSUES.............................................................................................................38 5 REVISION HISTORY/CHANGE SUMMARY.....................................................................................39

© 2001 – 2006 ACORD CORPORATION – ALL RIGHTS RESERVED. 1 ACORD STANDARDS – BINDING AUTHORITIES IMPLEMENTATION GUIDE – VERSION 2.1 – OCTOBER 2006

1 INTRODUCTION

1.1 Preface

This Guide has been prepared by ACORD and its members to provide you with a roadmap for implementing Binding Authority risk report transactions for the Property, General Liability and Homeowners lines of business. This implementation guide is based upon, and utilizes core ACORD Standards specifications.

1.2 Intended Audience

This Guide is intended for business, operations and technology people.

1.3 Purpose of the Guide

ACORD Standard Implementation Guidelines are designed to help developers of systems using ACORD Standards familiarize themselves with the Standards process and how Standards are being used in actual systems.

The Guidelines represent the consensus of ACORD‘s standards participants on how the ACORD Standards are meant to be used. To explain clearly how to implement the reporting of risks bound under binding authority facilities using

- ACORD standard spreadsheets, or - ACORD XML messages

1.4 Highlights of an Industry Standard

Agreed formats for transfer of electronic information

Agreed definitions of individual data items within the above format/s

Spreadsheet-based and XML-message-based methods for transferring data between partners

Based on the existing Property and Casualty ACORD Standards created for the USA personal and commercial standards

Provides Industry defined usage examples

Identifies industry standard codelist/s that can be used for coded data items.

© 2001 – 2006 ACORD CORPORATION – ALL RIGHTS RESERVED. 2

So now instead of this: We have this:

XML or spread-sheet

One-To-One Sharing, All Different One-To-Many Sharing, All Same

1.4.1 ACORD Standards Overview

This guide is based on the current version 1.30 of the published ACORD P&C/Surety XML Standard specification including any related documents. Any inconsistencies or discrepancies between this Guide and the Standard specification must be resolved using the core Standard. Every effort will be made to keep this guide current and compliant with that Standard.

1.4.2 Resources Available – Getting Help

In addition to this Guide, ACORD provides many additional resources to aid implementation including:

ACORD Web site and File Areas where archives of Specification development and Working Group determinations are available

Technical support from ACORD Implementation Service Team via telephone or email

Training Services from ACORD staff

And never underestimate the networking opportunities provided to attendees at ACORD meetings where you can ask peers how they have handled various implementation issues.

In addition, each ACORD Standards Program provides many specific resources including:

* ACORD P&C/Surety XML Standard (PDF / Adobe file)

* ACORD P&C/Surety XML Standard (Windows Help file – ACORD members only)

* DTD (Document Type Definition)

* Schemas (available in various formats for various uses)

All can be found on the ACORD website at www.acord.org.

ACORD STANDARDS – BINDING AUTHORITIES IMPLEMENTATION GUIDE – VERSION 2.1 – OCTOBER 2006

http://www.acord.org/


2 BUSINESS OBJECTIVES AND EXPECTED BENEFITS

2.1 Objectives and Problem Description

There is an increasing need for insurance carriers who have granted delegated authority facilities (or “binding authorities”) to coverholders (usually Managing General Agents – MGA’s) to receive definitive information regarding the risks that have been bound. There are two reasons for this:

a) To analyze the exposures they have at risk by location (individual location and catastrophe zone), and

b) To better monitor the risks that have been bound under the facility.

At the time of creation of this guide, there are within the industry a number of electronic solutions in place or being built for exchanging such information; individual organizations have specified their own reporting formats. This proliferation of reporting formats is problematic for the industry – causing a lot of extra work for all parties throughout the information chain in manually reviewing electronic information received, checking quality of data, and re-keying information into format/s they can use within their own systems.

A single standard will help provide an increased, and more accurate, flow of this information electronically throughout the chain of business partners. This standard has been created in both XML and spreadsheet formats – the content of each of these being consistent. XML is available for coverholders who wish to output data directly from their internal systems, while spreadsheet solutions are aimed at coverholders who do not have this need, but instead want to key data directly into a spreadsheet for sending on to insurers.

2.2 Business Process(es) Supported

The business processes supported all relate to the exchange of information regarding risks bound under Homeowners, Commercial Property and General Liability Binding Authorities. This is summarized data, that includes some limited underwriting information, and also information regarding exposures (property and casualty).

2.3 Value Proposition

The adoption of this standard will help the industry move towards touch-free electronic processing of the reporting binding authority information and would begin to solve the following:

- Better information on bound risks, which is necessary to allow carriers to continue and/or expand

writing of binding authority business. - Ease of carriers to buy reinsurance if they can give better, more accurate risk exposure

information to reinsurers. - Consistent data input can feed carriers’ catastrophe modeling software. - Better information allows more accurate estimation of PML. - Good information from source will avoid a lot of duplicated effort in re-keying and data

manipulation throughout the information chain.


2.4 Scope

Inside scope:

- Reporting of Risks bound under delegated authority facilities (or “binding authorities”)

- Homeowners, Commercial Property and General Liability lines of business

- All parties within the information chain – from coverholder (usually an MGA) to the insurance carrier

- USA based risks

Outside scope:

- Reporting of premiums or claims

- Non-USA based risks


2.5 Business Workflow Diagram(s)

Note1: This implementation guide only covers flows related to reporting of risks (not premiums or claims) Reporting (Risk / prem / claims bordereau) Filing Submission Submission (if referral) Premium bordereau + block account entry Claim bordereau + block account entry Reporting (risk bordereau) Submission (if referral) Signing messages Submission Submission Filing Accepted/ Submission Rejected Submission Filing Submission

USA Independent Broker/Agent

Retail Producer

Surplus Lines Broker / Wholesale

Agent / MGA

Stamping Office / Insurance

Department

Independent Broker / Agent Retail Producer

London Broker

USA surplus lines carrier

London Bureau

Lloyd’s / London Company

Insurer:

USA Market / Alien Insurer (e.g.

Bermuda)

Insurer: Customer /

Insured / Risk Manager


2.6 Regional Differences

To date the region included in this guide is business originating from USA.


3 DATA DICTIONARY

The data identified that is required for reporting of binding authority risks has been defined by:

- Listing the data, with definitions and other details, that makes up each of the transactions for

homeowners, commercial property and general liability binders.

This section gives a listing of data items defined in business terms, together with showing how data is mapped into message standards.

Within this section, the following information has been defined for each data item: Data item name

This is the name of the data item. Definition

This is the definition of the data item. Format

This is the format of the data item. Character – Can be any mixture of alpha or numeric characters Character (code) – Coded data item (format will depend on codelist being used) Date – Date format (see completion rules in dictionary listing) Amount – Amount (see completion rules in dictionary listing) Amount (percentage) – Percentage

Property / GL indicator (not applicable to Homeowners)

Indicates whether the data item is applicable to Commercial Property(P) , General Liability (L) or both (P/L) Spreadsheet mapping

This gives the spreadsheet “worksheet” and “column” that the data item maps to. XML mapping

This gives the XML data tag that the data item maps to (using XPATH notation).


3.1.1 Homeowners

Data Item Name Definition Format Spreadsheet Mapping XML Mapping Mapping note: All of the tags below map under the

transaction HomePolicyAddRq

Header Information Mapping note: Send header information within the first instance of HomePolicyAddRq .

Source Date Date when report was prepared

See recommendations regarding formatting of dates

Source Date TransactionRequestDt

Source Company Name of Company that reports the data

Character Source Company Producer/GeneralPartyInfo/NameInfo /CommlName/CommercialName

Source Contact Contact person within the company reporting the data

Character Producer/GeneralPartyInfo/NameInfo /PersonName/Surname + GivenName

Date as of Date of reported figures


Date As Of TransactionEffectiveDt

Source Address - Street Addressing details of company reporting data - Street number and name

Character Producer/GeneralPartyInfo/Addr/Addr1

Source Address – City Addressing details of company reporting data - City name

Character Producer/GeneralPartyInfo/Addr/City

Source Address - Country

Addressing details of company reporting data -

Character Producer/GeneralPartyInfo/Addr/CountryCd


Data Item Name Definition Format Spreadsheet Mapping XML Mapping Country name

Currency The country currency that applies to all monetary amounts

Character (code) Currency CurCd

Policy Information Mapping note: It is intended to allow multiple policies (and their related locations etc) to be reporting – for each policy send a separate instance of HomePolicyAddRq.

Policy/Certificate Number

The unique reference assigned to the policy by the coverholder.

Character Policy/Certificate Number

PersPolicy/PolicyNumber


Data Item Name Definition Format Spreadsheet Mapping XML Mapping Effective Date The Effective date

on which the terms and conditions of the policy will commence.


Effective Date

PersPolicy/ContractTerm/EffectiveDt

Expiry Date The Expiration date on which the terms and conditions of the policy will terminate.


Expiry Date PersPolicy/ContractTerm/ExpirationDt

Insured The name of the insured appearing on the homeowners policy.

Character Insured InsuredOrPrincipal/GeneralPartyInfo/ NameInfo/PersName/TitlePrefix InsuredOrPrincipal/GeneralPartyInfo/ NameInfo/PersName/GivenName InsuredOrPrincipal/GeneralPartyInfo/ NameInfo/PersName/Surname

Policy Form The code used to identify a specific form. Usually this will be the ISO format code - however for some US States this does not apply, and codes

Character (code) Policy Form PersPolicy/Form/FormName


Data Item Name Definition Format Spreadsheet Mapping XML Mapping identified by that State will be used (e.g. Texas HOA, HOB etc codes).

Policy Limit Overall limit that applies to all physical property related coverages under the policy, including loss of use (i.e. total of coverages A+B+C+D)

Number Policy Limit HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’PD’]/Limit/ FormatCurrencyAmt/Amt

Buildings (A) Limit Coverage A (buildings) limit. An amount must be entered here, even if that is zero.

Number Buildings (A) Limit HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’DWELL’]/ Limit/FormatCurrencyAmt/Amt

Other Structures (B) Limit

Coverage B (other structures) limit. An amount must be entered here, even if that is zero.

Number Other Structures (B) Limit

HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’OS’]/ Limit/FormatCurrencyAmt/Amt

Contents (C) Limit Coverage C (contents) limit. An amount must be entered here, even if that is zero.

Number Contents (C) Limit HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’BPP’]/ Limit/FormatCurrencyAmt/Amt

Loss of Use (D) Limit Coverage D (loss of use) limit. An amount must be entered here, even if that is

Number Loss of Use (D) Limit HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’LOU’]/ Limit/FormatCurrencyAmt/Amt


Data Item Name Definition Format Spreadsheet Mapping XML Mapping zero.

Liability (E) Limit Coverage E (liability) limit. An amount must be entered here, even if that is zero.

Number Liability (E) Limit HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’PL’]/ Limit/FormatCurrencyAmt/Amt

Medical (F) Limit Coverage F (medical) limit. An amount must be entered here, even if that is zero.

Number Medical (F) Limit HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’MEDPM’]/ Limit/FormatCurrencyAmt/Amt

Contract Share Percentage

Percentage of the risk bound hereunder.

Percentage Contract Share Percentage

PersPolicy/ContractSharePct

Earthquake Indicator Whether quake is covered (Yes/No)

Logical (Y/N) Earthquake Indicator No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’ERQK’ below

Earthquake Deductible Amount

Quake-specific deductible expressed as an amount.

Number Earthquake Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’ERQK’]/ Deductible/FormatCurrencyAmt/Amt

Earthquake Deductible Percentage

Quake-specific deductible expressed as a percentage.

Number (percentage) Earthquake Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’ERQK’]/ Deductible/FormatPct

Flood Indicator Whether flood is covered (Yes/No)

Logical (Y/N) Flood Indicator No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’FLOOD’ below

Flood Deductible Amount

Flood-specific deductible expressed as an amount.

Number Flood Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’FLOOD’]/ Deductible/FormatCurrencyAmt/Amt

Flood Deductible Flood-specific Number (percentage) Flood Deductible HomeLineBusiness/PropertyInfo/


Data Item Name Definition Format Spreadsheet Mapping XML Mapping Percentage deductible

expressed as a percentage.

Coverage [CoverageCd=’FLOOD’]/ Deductible/FormatPct

Wind Indicator Whether wind is covered (Yes/No)

Logical (Y/N) Wind Indicator No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’WNDSD’ below

Wind Deductible Amount

Wind-specific deductible expressed as an amount.

Number Wind Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’WNDSD’]/ Deductible/FormatCurrencyAmt/Amt

Wind Deductible Percentage

Wind-specific deductible expressed as a percentage.

Number (percent) Wind Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’WNDSD’]/ Deductible/FormatPct

AOP Policy Deductible Amount

Overall deductible that applies to all non-catastrophe physical property coverages under the policy, expressed as an amount.

Number AOP Policy Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’MIAOP’]/ Deductible/FormatCurrencyAmt/Amt

AOP Policy Deductible Percentage

Overall deductible that applies to all non-catastrophe physical property coverages under the policy, expressed as a percentage.

Number (percent) AOP Policy Deductible HomeLineBusiness/PropertyInfo/ Coverage [CoverageCd=’MIAOP’]/ Deductible/FormatPct

Street Number Street Number Character Street Number Location/Addr/DetailedAddr/StreetNumber Street Name Street Name Character Street Name Location/Addr/DetailedAddr/StreetName City Name of City Character City Location/Addr/City County County or Parish Character County Location/Addr/County


Data Item Name Definition Format Spreadsheet Mapping XML Mapping name in text format.

State Coded identification of the USA state code where the risk is located. The source of the code list is the U.S. Postal Service.

Character (code) - 2 digit State Location/Addr/StateProvCd

Zip Postal or Zip Code applicable to country - 5 or 9 digits. 9 digit code is preferred -and if given should be 9 digits with no spaces.

Character Zip Location/Addr/PostalCode

Country Code The two-character code identifying the country where the risk is located, as defined in ISO-3166.

Character (code) Country Code Location/Addr/CountryCd

Year Built Year primary building was built

Number (format YYYY) Year Built HomeLineBusiness/Dwell/Construction/ YearBuilt

Protection Class An industry code denoting the level of protection provided in the geographic area. Generally refers to the fire protection available. The

Number Protection Class HomeLineBusiness/Dwell/BldgProtection/ FireProtectionClassCd


Data Item Name Definition Format Spreadsheet Mapping XML Mapping source of this code list is local fire protection manuals or individual insurer. Values 01 to 10.

Vacancy Indicator Indicates whether the insured premises is vacant.

Logical (Y/N) Vacancy Indicator HomeLineBusiness/Dwell/DwellOccupancy/ [OccupancyTypeCd=’VACAN’]

Construction Code Type of Construction (coded according to given codelist scheme)

Character (code) Construction Code HomeLineBusiness/Dwell/Construction/ InsurerConstructionClassCd

Construction Code List Owner

This is the owner of the code list being referenced.

Character (code) Construction Code List Owner

HomeLineBusiness/Dwell/Construction/ InsurerConstructionClassCd /@CodeListRef

Construction Narrative Text description on the type of construction.

Character Construction Narrative HomeLineBusiness/Dwell/Construction/ Description


3.1.2 Commercial Property and General Liability

Data Item Name

Definition Format Property / Gen Lbty Ind

Spreadsheet Mapping

XML Mapping

Header Information

Mapping note: Send header information within the first instance of CommlPkgPolicyAddRq

Source Date

Date when report was prepared


P/L TransactionRequestDt

Source Company

Name of Company that reports the data

Character P/L MiscParty/GeneralPartyInfo/ NameInfo/CommlName/ CommercialName

Source Contact

Contact person within the company reporting the data

Character P/L MiscParty/GeneralPartyInfo/ NameInfo/PersonName/ SurName (+GivenName)

Date As Of Date of reported figures


P/L Date as of

TransactionEffectiveDt

Source Address - Street

Addressing details of company reporting data - Street number and name

Character P/L MiscParty/GeneralPartyInfo/ Addr/Addr1


Data Item Name


Spreadsheet Mapping

XML Mapping

Source Address - City

Addressing details of company reporting data - City name

Character P/L MiscParty/GeneralPartyInfo/ Addr/City

Source Address - Country

Addressing details of company reporting data - Country name

Character P/L MiscParty/GeneralPartyInfo/ Addr/Country

Currency The country currency that applies to all monetary amounts

P/L Currency

CurCd

Policy Information

Mapping note: It is intended to allow multiple policies (and their related locations etc) to be reporting – for each policy send a separate instance of CommlPkgPolicyAddRq.

Policy/ Certificate Number

The unique number assigned to the policy by the coverholder.

Character P/L Policy/ Certificate Number

CommlPolicy/PolicyNumber


Percentage of the risk bound hereunder.

Percentage P Contract Share Percentage

CommlPolicy/SharePct??


Data Item Name


Spreadsheet Mapping

XML Mapping

Effective Date

The Effective date on which the terms and conditions of the policy will commence.


P/L Effective Date

CommlPolicy/ContractTerm/EffectiveDt

Expiry Date The Expiration date on which the terms and conditions of the policy will terminate.


P/L Expiry Date

CommlPolicy/ContractTerm/ExpirationDt

Insured The first named insured appearing on a commercial policy.

Character P/L Insured InsuredOrPrincipal/GeneralPartyInfo/ NameInfo/CommlName/CommercialName


Data Item Name


Spreadsheet Mapping

XML Mapping

Policy Form The code used to identify a specific form (e.g. Basic, Broad, Special). For GL the Policy Form will indicate whether the policy is on a “claims made” or “occurrence” basis.

Character (code)

P/L Policy Form

CommlPolicy/Form/FormName

Retroactive date

The retroactive date applicable to a claims made policy


L Retroactive date

CommlPolicy/CommlPolicySupplement/ClaimsMadeInfo/CurrentRetroactiveDt/

Policy Limit Overall limit that applies to all physical property related coverages under the policy (including BI).

Number P Policy Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/CommlCoverage [CoverageCd=’CBCC’]/Limit

Account Total Insured Value

Total Insured value for all coverages under the policy

Number P Account Total Insured Value

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/TotalnsuredValueAmt


Data Item Name


Spreadsheet Mapping

XML Mapping

Earthquake Indicator

Whether quake is covered (Yes/No)

Logical (Y/N) P Earthquake Indicator

No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’EQ’ below

Earthquake Limit

Quake-specific limit

Number P Earthquake Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’EQ’]/Limit/FormatCurrencyAmt/Amt

Earthquake Deductible Amount

Quake-specific deductible. Expressed as a value

Number P Earthquake Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’EQ’]/Deductible/FormatCurrencyAmt/Amt

Earthquake Deductible Percent

Quake-specific deductible. Expressed as a percentage

Number (percent)

P Earthquake Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’EQ’]/Deductible/Pct

Earthquake Deductible Basis

Coded identification of the basis of the deductible being given. Required when this information exists at policy level. Examples:- • Value • Loss

Character (code)

P Earthquake Deductible Basis

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’EQ’]/Deductible/ DeductibleAppliesToCd

Flood Indicator

Whether flood is covered (Yes/No)

Logical (Y/N) P Flood Indicator

No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’FLOOD’ below

Flood Limit Flood specific limit

Number P Flood Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’FLOOD’]/Limit/FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

Flood Deductible Amount

Flood-specific deductible expressed as an amount.

Number P Flood Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’FLOOD’]/Deductible/ FormatCurrencyAmt/Amt

Flood Deductible Percentage

Flood-specific deductible expressed as a percentage.

Number (Percent)

P Flood Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’FLOOD’]/Deductible/Pct

Flood Deductible Basis


Character (code)

P Flood Deductible Basis

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’FLOOD’]/Deductible/ DeductibleAppliesToCd

Wind Indicator

Whether wind is covered (Yes/No)

Logical (Y/N) P Wind Indicator

No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’WIND’ below

Wind Limit Wind-specific limit

Number P Wind Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’WIND’]/Limit/FormatCurrencyAmt/Amt

Wind Deductible Amount

Wind-specific deductible expressed as an amount..

Number P Wind Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’WIND’]/Deductible/FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

Wind Deductible Percentage

Wind-specific deductible expressed as a percentage.

Number (Percent)

P Wind Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/Comml Coverage [CoverageCd=’WIND’]/Deductible/Pct

Wind Deductible Basis


Character (code)

P Wind Deductible Basis

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’WIND’]/Deductible/ DeductibleAppliesToCd

Terrorism Indicator

Whether terrorism is covered (Yes/No)

Logical (Y/N) P Terrorism Indicator

No mapping required – indication of Earthquake cover within XML is catered for by CoverageCd=’TRIA’ or ‘NTRIA’ below

Terrorism Limit

Terrorism-specific limit

Number P Terrorism Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’TRIA’ or ‘NTRIA’]/Limit/ FormatCurrencyAmt/Amt

Terrorism Deductible Amount

Terrorism-specific deductible can be expressed as a value.

Number P Terrorism Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’TRIA’ or ‘NTRIA’]/Deductible/ FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

Terrorism Deductible Percentage

Terrorism-specific deductible can be expressed as a percentage

Number (Percent)

P Terrorism Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’TRIA’ or ‘NTRIA’]/Deductible/Pct

Terrorism Deductible Basis


Character (code)

P Terrorism Deductible Basis

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’TRIA’ or ‘NTRIA’]/Deductible/ DeductibleAppliesToCd

AOP Policy Deductible Amount

Overall deductible that applies to non-catastrophe physical property coverages under the policy expressed as an amount.

Number P AOP Policy Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’MIAOP’]/Deductible/ FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

AOP Policy Deductible Percentage

Overall deductible that applies to non-catastrophe physical property coverages under the policy expressed as a percentage.

Number (percent)

P AOP Policy Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/ CommlCoverage [CoverageCd=’MIAOP’]/Deductible/ FormatPct

Currency Currency of limits/deductibles etc

Character (code)

P/L Currency

All amounts in P&C XML have their own currency codes associated with them.

Location Information

Location information can repeat within Policy (i.e. there can be many locations reported for a policy)

Location ID A unique Location Number of the location concerned

Character P/L Location ID

Location[@id='LOC_$LocationId']/ItemIdInfo/OtherIdentifier[OtherIdTypeCd='MGA']/OtherId


Data Item Name


Spreadsheet Mapping

XML Mapping

Location Name

Description of Location - ex: further description within business park, used if no street number.

Character P/L Location Name

Location [@id='LOC_$LocationId']/AdditionalInterest/GeneralPartyInfo/ NameInfo/CommlName/CommercialName

Street Number

Street Number - If no Location Name - Switch with Location Name

Character P/L Street Number

Location [@id='LOC_$LocationId']/Addr/DetailedAddr/StreetNumber


Data Item Name


Spreadsheet Mapping

XML Mapping

Street Name

Street Name Character P/L Street Name

Location [@id='LOC_$LocationId']/Addr/DetailedAddr/StreetName

City Name of City Character P/L City Location [@id='LOC_$LocationId']/Addr/City County County or

Parish name in text format.

Character P/L County Location [@id='LOC_$LocationId']/Addr/County

State Coded identification of the USA state code where the risk is located. The source of the code list is the U.S. Postal Service.

Character (code) - 2 digit

P/L State Location [@id='LOC_$LocationId']/Addr/StateProvCd

Zip Postal or Zip Code applicable to country - 5 or 9 digits. 9 digit code is preferred - and if given should be 9 digits with no spaces.

Character P/L Zip Location [@id='LOC_$LocationId']/Addr/PostalCode


Data Item Name


Spreadsheet Mapping

XML Mapping

Country Code - Optional

The two-character code identifying the country where the risk is located, as defined in ISO-3166.

Character (code)

P/L Country Code - Optional

Location [@id='LOC_$LocationId']/Addr/CountryCd

Mapping note: Remainder of location into below is mapped into CommlSubLocation - to link this to the Location provide the Location id in CommlSubLocation/ LocationRef

Year Built Year building was built

Number (YYYY)

P Year Built

CommlSubLocation [@LocationRef='LOC_$LocationId']/Construction/YearBuilt

Number of Stories

The number of stories above ground, counting the ground floor as one.

Number - Whole number

P Number of Stories

CommlSubLocation [@LocationRef='LOC_$LocationId']/Construction/ NumStories


Data Item Name


Spreadsheet Mapping

XML Mapping

Protection Class

An industry code denoting the level of protection provided in the geographic area. Generally refers to the fire protection available. The source of this code list is local fire protection manuals or individual insurer. Values 01 to 10.

Number P Protection Class

CommlSublocation [@LocationRef='LOC_$LocationId']/BuildingProtection/ FireProtectionClassCd

Vacancy Indicator

Indicates whether the insured premise is written as a vacant risk.

Logical (Y/N) P Vacancy Indicator

CommleSublocation [@LocationRef='LOC_$LocationId']/BldgOccupancy/ VacantUnoccupiedCd

Occupancy Type Code

A code identifying the occupancy type of a building.

Character (code)

P Occupancy Type Code

CommlSubLocation [@LocationRef='LOC_$LocationId']/BldOccupancy/ NatureBusinessCd


Data Item Name


Spreadsheet Mapping

XML Mapping

Occupancy Code Owner


Character (code)

P Occupancy Code Owner

CommlSubLocation [@LocationRef='LOC_$LocationId']/BldOccupancy/ NatureBusinessCd/@CodeListRef

Occupancy Narrative

A brief description of all the occupants found within the location or sub-location.

Character P Occupancy Narrative

CommlSubLocation [@LocationRef='LOC_$LocationId']/BldOccupancy/ OccupancyDesc

Construction Code

Type of Construction (coded according to given scheme)

Character (code)

P Construction Code

CommlSubLocation [@LocationRef='LOC_$LocationId']/Construction/ InsurerConstructionClassCd

Construction Code Owner


Character (code)

P Construction Code Owner

CommlSubLocation [@LocationRef='LOC_$LocationId']/Construction/ InsurerConstructionClassCd/@CodeListRef

Construction Narrative

Text description on the type of construction.

Character P Construction Narrative

CommlSubLocation [@LocationRef='LOC_$LocationId']/Construction/Description


Data Item Name


Spreadsheet Mapping

XML Mapping

Mapping notes: herehere Location-specific LIMIT/DEDUCTIBLE amounts below:- Location-specific LIMIT/DED items below are mapped into a repeat of the aggregate "CommlPropertyLineBusiness/ PropertyInfo/BlanketInfo". In order to link this to a specific location, a repeat of the aggregate CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo needs to be given, with two cross-references:- (1) Location reference in CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo/LocationRef AND (2) The Blanket Reference in CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo/BlanketNumber Location-specific VALUE amounts below:- Location-specific VALUE items below are mapped into a repeat of the aggregate "CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo" - AND, in order to link this to a specific location, a cross-reference needs to be given of Location reference in CommlPropertyLineBusiness/ PropertyInfo/CommlPropertyInfo/LocationRef

Building Limit

Buildings-specific limit

Number P Building Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BLDG’]/ Limit/FormatCurrencyAmt/Amt

Buildings Deductible Amount

Buildings-specific deductible expressed as an amount -only given if different from policy deductible

Number P Buildings Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BLDG’]/ Deductible/FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

Buildings Deductible Percentage

Buildings-specific deductible expressed as a percentage -only given if different from policy deductible

Number (percent)

P Buildings Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BLDG’]/ Deductible/FormatPct

Buildings Value

Buildings Total Value - Only if different from the Limit.

Number P Buildings Value

CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo/ItemValueAmt [SubjectInsuranceCd=’BLDG’]/Amt

Contents Limit

Contents-specific limit

Number P ContentsLimit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’CONT’]/ Limit/FormatCurrencyAmt/Amt

Contents Deductible Amount

Contents-specific deductible expressed as an amount. Only give if different from policy deductible

Number P ContentsDeductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’CONT’]/ Deductible/FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

Contents Deductible Percentage

Contents-specific deductible expressed as a percentage. Only give if different from policy deductible

Number (percentage)

P Contentsdeductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’CONT’]/ Deductible/FormatPct

Contents Value

Contents Total Value - Only if different from the limit.

Number P ContentsValue

CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo/ItemValueAmt [SubjectInsuranceCd=’C’]/Amt

Business Interruption Limit Amount

Business Interruption-specific limit expressed as an amount.

Number P Business Interruption Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BUSIN’]/ Limit/FormatCurrencyAmt/Amt

Business Interruption Indemnity period

Business Interruption-specific limit expressed as a number of days.

Number P Business Interruption Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BUSIN’]/ Limit/FormatInteger

Business Interruption Deductible

Business Interruption specific deductible expressed as an amount. Only give if different from policy deductible.

Number P Business Interruption Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BUSIN’]/ Deductible/FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

Business Interruption Deductible Period

Business Interruption-deductible expressed as a number of days

Number P Business Interruption Deductible

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage [CoverageCd=’BUSIN’]/ Deductible/FormatInteger

Business Interruption Value

Business Interruption-value

Number P Business Interruption Value

CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo/ItemValueAmt [SubjectInsuranceCd=’BI’]/Amt

"Other coverage” Code

Coded identification of the type of "Other" coverage being reported

Character (code)

P "Other" coverage Code List -

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo/CommlCoverage/CoverageCd

"Other coverage” Limit

"Other" coverage specific limit

Number P "Other coverage” Limit

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage/Limit/ FormatCurrencyAmt/Amt

"Other coverage” Description

Text description of the type of "Other" coverage being reported

Character P "Other coverage” Description

CommlPropertyLineBusiness/PropertyInfo/ BlanketInfo [BlanketTypeCd=’BLNKT’]/ CommlCoverage/CoverageDesc

"Other coverage” Value

"Other" coverage total value - Only if different from the Limit

Number P "Other coverage” Value

CommlPropertyLineBusiness/PropertyInfo/ CommlPropertyInfo/ItemValueAmt [SubjectInsuranceCd=’OT’]/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

General liability detailed information

General liability detailed information can repeat within Policy and Location (i.e. there can be many GL lines repeated under each location)

Mapping notes: General liability detailed information below:- Location-specific General Liability items below are mapped into a repeat of the aggregate " GeneralLiabilityLineBusiness/LiabilityInfo/" - AND, in order to link this to a specific location, a cross-reference needs to be given of Location reference (attribute) in GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/@LocationRef

Description of Operations

A text description of the operations of this risk or insured

Character L Description of Operations

GeneralLiabilityLineBusiness/LiabilityInfo/ContractorsUnderwritingQuestions/WorkContractedShortDescription

GL General Aggregate Limit

General liability aggregate limit

Number L GL General Aggregate Limit

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’GENAG’]/Limit/FormatCurrencyAmt/Amt

GL Occurrence Limit

General liability occurrence limit

Number L GL Occurrence Limit

GeneralLiabilityLineBusiness/LiabilityInfo/CommlCoverage [CoverageCode=’ EAOCC’]/Limit/FormatCurrencyAmt/Amt


Data Item Name


Spreadsheet Mapping

XML Mapping

GL Products / Completed Operations Aggregate Limit

General liability aggregate limit in respect of Products / Completed operations

Number L GL Products / Completed Operations Aggregate Limit

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ PCO’]/Limit/FormatCurrencyAmt/Amt

Damage to Premises Rented To You Limit

General liability limit in respect of "Premises rented to you"

Number L Damage to Premises RentedTo You Limit

Look up meeting notes (another name in ISO)?

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ PREM’]/Limit/FormatCurrencyAmt/Amt

Medical Expense Limit

General liability medical expense limit

Number L Medical Expense Limit

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ MEDEX’]/Limit/FormatCurrencyAmt/Amt

Personal & Advertising Injury Limit

General liability limit for Personal and Advertising injury

Number L Personal & Advertising Injury Limit

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ PIADV’]/Limit/FormatCurrencyAmt/Amt

Classification Code

A code that identifies the nature of business.

Character (code)

L Classification Code

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/ClassCd

Classification Code Description

Text description of the nature of business.

Character L Classification Code Description

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/ClassCdDesc


Data Item Name


Spreadsheet Mapping

XML Mapping

GL Premium Basis Type

This indicates the basis of premium calculation. For example: area, payroll.

Character (code)

L GL PremiumBasis Type

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage/PremiumBasisCd

GL Premium Basis Amount

This is the amount as indicated by the GL Premium Basis Type.

Number L GL PremiumBasis Amount

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage/Rate

GL Rate - Premises / Operations

This is the final rate (premises/ operations) after the application of all modifiers.

Number L GL Rate - Premises / Operations

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ PREM’]/CurrentTermAmt

GL Rate - Products / Completed Ops

This is the final rate (products / completed ops) after the application of all modifiers.

Number L GL Rate - Products / Completed Ops

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ PCO’]/CurrentTermAmt

Increase Limit Factor

Factor used to determine amendment to General liability rate due to increased limit

Number L Increase Limit Factor

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage/CreditOrSurcharge [CreditSurchargeCd =’INCLF’]/NumericValue


Data Item Name


Spreadsheet Mapping

XML Mapping

Loss Cost Modifier

Factor used to determine amendment to general liability rate due to loss costs as deemed by the insurance carrier.

Number L Loss Cost Modifier

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage/CreditOrSurcharge [CreditSurchargeCd =’EXP’]/NumericValue

Surcharge Surcharge on General liability rate required for any final modification of the premium including any modification to reach a minimum premium.

Number L Surcharge

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage/CreditOrSurcharge [CreditSurchargeCd =’SURC’]/NumericValue

GL Deductible

The deductible each and every claim.

Number L GL Deductible

GeneralLiabilityLineBusiness/LiabilityInfo/CommlCoverage [CoverageCode=’ EAOCC’]/Deductible/FormatCurrencyAmt/Amt

GL Gross Premium

General liability gross premium amount

Number L GL Gross Premium

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage [CoverageCode=’ GL’]/CurrentTermAmt

(GL) TRIA Indicator

Whether TRIA is covered (Yes/No)

Character (code)

L (GL) TRIA Indicator

GeneralLiabilityLineBusiness/LiabilityInfo/GeneralLiabilityClassification/CommlCoverage/CoverageCode (set to value “TRIA”

© 2001 – 2006 ACORD CORPORATION – ALL RIGHTS RESERVED 38 ACORD STANDARDS – BINDING AUTHORITIES IMPLEMENTATION GUIDE – VERSION 2.1 – OCTOBER 2006

4 IMPLEMENTATION ISSUES

Spreadsheet vs. XML transaction formats

Two different transaction formats have been specified for sending data between organizations; spreadsheet format and XML format.

The XML transaction format can also be used by any organization. It is expected to be used by sending organizations with sophisticated internal systems – to send to their business partners that have equally sophisticated internal systems. XML is a structured language that allows the full reporting flexibility laid out in the data dictionary part of this guide.

This has been defined within the existing ACORD P&C (property and casualty) XML structure – so that there is inbuilt compatibility with primary risks already submitted using that standard.

The data within the spreadsheet and the XML transactions remain interoperable, as they are mapped from the same data dictionary (see earlier in this guide). Business partners are expected to jointly agree which of these transaction standards they will use to exchange exposure information – but for any organizations who are able to receive both spreadsheet and XML transactions (from different business partners), they will be able to do this as the data content between the two standards remains compatible.

Format of Limits and Deductibles Limits and Deductibles can be given as an amount, a percentage or as a number of days (for BI coverage). Within the XML standard separate data items for each of the different formats. However, there is only one field within the spreadsheet standard to give all formats – the rule for the spreadsheet is that;

- if the value entered is followed by the sign % (e.g. 20%), then is should be assumed to be a percentage), or

- if the value entered is followed by the word “days” (e.g. 120days) then it should be assumed to be a number of days, or

- if the value entered is just a number with no additional text, then it should be assumed to be a monetary amount.

Date formats

Two formats are allowed for giving dates, depending on transmission method:-

Spreadsheet date format Spreadsheet software holds formatted dates in a standard way – and is able to display them in different formats. Templates provided with this standard expect dates to be entered as mm/dd/yyyy, but they display dates as "nn-aaa-nn" (e.g. "1-Jan-03", "21-Feb-03", "7-Sep-03', etc).

XML data format See the detailed XML specifications for the format dates must be sent in for that technology.


5 REVISION HISTORY/CHANGE SUMMARY

Version Date Description of Change 1.0 25 July 2003 Release of 1.0 Final Version.

2.0 01 May 2004 Incorporation of General Liability into the standard

Correction of some XPATH mappings

2.1 October 2006 ACORD's Terms and Conditions of Use have been updated.


HEADER INFORMATION

Source date

Source company Date as of

Currency

HOMEOWNERS Policy/Certificate Number

Effective Date Expiry Date Insured

Policy Form

Policy Limit

Buildings (A) Limit

Other Structures (B) Limit

Contents (C) Limit

Loss of Use (D) Limit

Homeowners continued…

Liability (E) Limit Medical (F) Limit



Earthquake Deductible

Flood Indicator

Flood Deductible

Wind Indicator

Wind Deductible

AOP Policy Deductible

Homeowners continued…

Street Number

Street Name City County State Zip

Country Code

Year Built

Protection Class

Vacancy Indicator

Construction Code

Construction Code List Owner



HEADER INFORMATION Source date


Currency

COMMERCIAL PROPERTY

Policy/Certificate Number


Effective Date

Expiry Date Insured Policy Form

Policy Limit



Earthquake Limit

Earthquake Deductible

Commercial property continued… Earthquake Deductible Basis

Flood Indicator

Flood Limit

Flood Deductible


Wind Indicator

Wind Limit

Wind Deductible


Terrorism Indicator

Terrorism Limit

Terrorism Deductible


Commercial property continued…

AOP Policy Deductible Currency

Location ID

Location Name

Street Number

Street Name City County State Zip

Country Code

Year Built

Number of Stories


Protection Class

Vacancy Indicator

Occupancy Type Code


Occupancy Narrative

Construction Code

Construction Code Owner


Building Limit

Buildings Deductible

Buildings Value


Contents Limit

Contents Deductible

Contents Value

Business Interruption Limit



"Other Coverage" Code

"Other Coverage" Limit

"Other Coverage" Description

"Other Coverage" Value




Currency

GENERAL LIABILITYPolicy/Certificate Number

Effective Date

Expiry Date Insured Policy Form Retroactive Date

Currency Location ID Location Name

Street Number

Street Name

General Liability continued… City County State Zip Country

Code Description of Operations


GL Occurrence Limit




General Liability continued… Personal & Advertising Injury Limit

Classification Code







Loss Cost Modifier

Surcharge GL Deductible

General Liability continued…

GL Gross Premium

(GL) TRIA Indicator




Currency

MIXED COMMERCIAL PROPERTY AND GENERAL LIABILITYPolicy/Certificate Number


Effective Date

Expiry Date

Insured Policy Form Retroactive Date

Policy Limit



Earthquake Limit

Mixed Commercial Property and General Liability continued… Earthquake Deductible

Earthquake Deductible Basis

Flood Indicator

Flood Limit

Flood Deductible


Wind Indicator

Wind Limit Wind Deductible


Terrorism Indicator

Mixed Commercial Property and General Liability continued… Terrorism Limit

Terrorism Deductible


AOP Policy Deductible

Currency Location ID Location Name

Street Number

Street Name City County

Mixed Commercial Property and General Liability continued… State Zip Country

Code Year Built

Number of Stories

Protection Class

Vacancy Indicator

Occupancy Type Code


Occupancy Narrative

Construction Code

Mixed Commercial Property and General Liability continued… Construction Code Owner


Building Limit

Buildings Deductible

Buildings Value

Contents Limit

Contents Deductible

Contents Value

Business Interruption Limit




Mixed Commercial Property and General Liability continued… Business Interruption Indemnity Period

"Other" Code List - drop box?

"Other" Limit

"Other" Description "Other" Value

Description of Operations


GL Occurrence Limit




Mixed Commercial Property and General Liability continued… Personal & Advertising Injury Limit

Classification Code







Loss Cost Modifier

Surcharge GL Deductible

Mixed Commercial Property and General Liability continued…

GL Gross Premium

(GL) TRIA Indicator

Documents

ACORD - Binding Authorities Implementation Guide v2.1