AIR's Open Data Standards

To promote the collection of high quality exposure data, enable accurate and transparent data exchange throughout the insurance value chain, and encourage deeper analytics, AIR has committed to making its exposure data formats open.

AIR has long been a proponent of open standards. We developed UNICEDE® in 1993 and made it available to the industry via a public website. Our software platforms were the first to be certified by ACORD for the implementation of the ACORD property exposure standards. AIR continued its commitment to openness in 2014 by publishing its CEDE™ database schema.

As AIR develops new models for emerging risks such as cyber and supply chain, the data formats for these will be made available in advance of model release so that companies can get a head start on data collection. AIR believes that doing so will help the insurance industry better prepare for catastrophic and related risks.

Cede DatabaseCEDE, which stands for Catastrophe Exposure Data Exchange, is the exposure database format used by Touchstone®. As adoption of Touchstone continues to grow, so does the demand for CEDE files. AIR’s open data standards offer insurers, reinsurers, and brokers the opportunity to transfer risk more efficiently and with greater precision to a wider audience.

View AIR’s CEDE database schema

UNICEDE, or Universal Cession Electronic Data Exchange, is a family of exposure data formats and tools used by both Touchstone and CATRADER, the software of choice for analyzing reinsurance contracts and insurance linked securities. UNICEDE/2 files are a critical component of reinsurance submission packs that cedants deliver to their reinsurance partners.

View AIR’S UNICEDE format and tools

The Verisk Cyber Exposure Data Standard, along with its SQL implementation, is the tool that can help companies understand their exposure and aggregation risk, evaluate risk, and make underwriting or pricing decisions today. The Data Standard is flexible, allowing organizations to grow the types of data they collect over time.

View AIR's Cyber Exposure Data Schema and Preparer's Guide

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