# acords.co

> The data fields of the industry-standard insurance forms published by ACORD,
> as one typed model. An artifact door of the api.insure estate, in early
> access. Independent reference: acords.co is not affiliated with, endorsed
> by, or licensed by ACORD Corporation.

## What this site is

acords.co is an independent reference to the data fields carried by the
industry-standard insurance forms published by ACORD: the loss notices that
open claims and the certificates that prove coverage. It publishes a typed
field model for the loss notice (the wave 1 focus), states honestly which
parts of the surface exist today (this reference) and which are roadmap
(everything callable). There is no live parser or API behind this door yet.

ACORD and the form numbers are ACORD Corporation's marks, used here
nominatively to identify the industry-standard documents. The forms themselves
are ACORD Corporation's copyrighted publications, licensed through ACORD; this
site reproduces none of them. The specimen rendered on the page is an
original, illustrative layout of the data fields commonly found on a loss
notice, with fictional values.

## The document family

The most-searched document names in insurance are form numbers: the
certificate of insurance (ACORD 25), and the property, auto, and general
liability loss notices (ACORD 1, 2, 3). The loss notice is how a claim opens:
the first notice of loss (FNOL) an agent, broker, or insured files with the
carrier. Different paper, one recurring set of data fields; those fields are
what this door types.

## The field model (free, keyless)

Typed loss-notice field model. Full JSON Schema: /openapi.json under
components.schemas.LossNotice.

- form (property | auto | liability): which loss-notice family the record maps to
- reported_at (datetime): when the notice was filed; FNOL clocks start here
- reported_by (string): who filed it: the insured, the agent of record, a broker
- carrier (string): carrier the notice is addressed to
- policy_number (string): policy the loss is claimed under
- term_start, term_end (date): policy period; a loss date outside it is the
  first validation an agent runs
- named_insured (string)
- contact (object): name, phone, email for the person the adjuster should reach
- date_of_loss, time_of_loss (datetime): when the loss happened
- loss_type (string): peril, e.g. wind_hail, fire, water, collision
- loss_location (string)
- description (text): plain-language account of the loss
- authorities_contacted (string): police or fire report, if any
- remarks (text)

## Agent surface (ALL ROADMAP, none callable yet)

- parse: a completed loss notice in, typed FNOL fields out (ROADMAP)
- prefill: draft a loss notice from an intake conversation (ROADMAP)
- validate: flag missing or inconsistent fields before submission (ROADMAP)
- route: deliver the finished notice to the right carrier intake (ROADMAP)

Filling, checking, and delivering a notice is open intake work; none of these
verbs is a reserved act. The claim a loss notice opens is decided by a
licensed adjuster; that reserved act lives behind the reserved line at
https://api.insure.

## The kit

- /llms.txt: this file (live)
- /openapi.json: OpenAPI 3.1 stub; the LossNotice schema is real reference
  content, every operation is tagged x-status roadmap and none is callable (live as a document)
- /mcp: FUTURE MCP endpoint, ROADMAP, not live. Planned tools:
  parse_loss_notice, get_loss_notice_schema, prefill_loss_notice
- /og.png: social card (live)
- /robots.txt: allow-all (live)

## Free tier promise

The discoverability layer is the free tier: this page, the field model, and
this file stay free and keyless.

## Status

Early access. No live service. The document rendered on the page is a
specimen with fictional data and an original layout, not an ACORD form.
Roadmap items are labeled ROADMAP. Contact: hello@api.insure
(subject: acords.co early access).

## Links

- https://api.insure (the substrate: the insurance industry as one agent-first API)
- https://gigs.claims (supply side: licensed adjusters)
- https://lossruns.claims (sibling door: the loss run)
- https://eobs.claims (sibling door: the EOB, health register)