Policy Classification Using ACORD Lines-of-Business Codes

In CL SDK 4.0, policy classification is no longer a standalone step. Instead, the linesOfBusiness field inside the PolicyOperationalProfile carries ACORD LOB codes extracted alongside every other policy fact — in the same bounded, source-cited generation call that produces coverage units, dates, and premium. This means classification evidence is traceable to specific source nodes just like any other extracted value.

How Classification Works

The extraction pipeline populates linesOfBusiness as an array of AcordLobCode values. A single policy can return multiple codes when the document covers a package program.

interface PolicyOperationalProfile {
  documentType: "policy" | "quote";
  linesOfBusiness: AcordLobCode[];  // e.g. ["CGL", "AUTOB"]
  // ... other fields
}

linesOfBusiness intentionally accepts multiple codes. A commercial package policy covering general liability and business auto will return ["CGL", "AUTOB"] — do not reduce it to a single value in your application unless you have a specific reason to do so.

Legacy-to-ACORD Code Mapping

If you are migrating from an earlier version of the SDK, the table below maps every legacy policyType string to its corresponding ACORD code or codes.

Legacy value	ACORD code(s)
`general_liability`	`CGL`
`commercial_property`	`PROP`
`commercial_auto`, `non_owned_auto`	`AUTOB`
`workers_comp`	`WORK`
`umbrella`	`UMBRC`
`excess_liability`	`EXLIA`
`professional_liability`	`PL`
`cyber`	`CYBER`
`environmental`, `product_liability`	`OLIB`
`management_liability_package`	`MGMLI`
`homeowners_ho3`, `homeowners_ho5`	`HOME`
`renters_ho4`, `condo_ho6`	`HOME`
`flood_nfip`, `flood_private`	`FLOOD`
`travel`	`TRVL`
`life`, `long_term_care`, `pet`, `identity_theft`, `title`, `other`	`UN`

The legacy policyType string field is deprecated and will be removed in a future major version. Migrate your code to read linesOfBusiness from the operational profile instead.

Exported Utilities

Import all classification utilities from the policy-taxonomy subpath:

import {
  AcordLobCodeSchema,
  ACORD_LOB_CODES,
  ACORD_LOB_LABELS,
  LEGACY_POLICY_TYPE_TO_LOB,
  normalizeOperationalLinesOfBusiness,
  resolveOperationalProfileLinesOfBusiness,
  PERSONAL_LOB_CODES,
} from "@claritylabs/cl-sdk/policy-taxonomy";

AcordLobCodeSchema

A Zod enum containing all 107 ACORD LOB codes. Use it to validate user input or parse external data before passing it into your application logic.

ACORD_LOB_CODES

A plain array of all 107 ACORD LOB code strings. Useful for populating dropdowns or building filter sets.

ACORD_LOB_LABELS

A Record<AcordLobCode, string> map from code to human-readable label. Use this to display friendly names in your UI.

LEGACY_POLICY_TYPE_TO_LOB

Maps every legacy policyType string to one or more ACORD codes. Use this during a migration to translate stored legacy values.

Utility Functions

normalizeOperationalLinesOfBusiness
resolveOperationalProfileLinesOfBusiness
PERSONAL_LOB_CODES

Accepts an array of raw LOB strings — which may be legacy values, ACORD codes, or mixed — and returns a deduplicated array of valid AcordLobCode values.

import { normalizeOperationalLinesOfBusiness } from "@claritylabs/cl-sdk/policy-taxonomy";

const codes = normalizeOperationalLinesOfBusiness(["general_liability", "CGL", "AUTOB"]);
// ["CGL", "AUTOB"]

Resolves the final normalized code array from a PolicyOperationalProfile by combining the profile’s linesOfBusiness hint with coverage-derived inference. Use this when you have a full profile object and want a single authoritative code list.

import { resolveOperationalProfileLinesOfBusiness } from "@claritylabs/cl-sdk/policy-taxonomy";

const { linesOfBusiness } = resolveOperationalProfileLinesOfBusiness({
  profileLinesOfBusiness: operationalProfile.linesOfBusiness,
  coverages: operationalProfile.coverages,
});
// ["CGL", "AUTOB"]

A Set<AcordLobCode> containing all personal lines codes. Use it to branch logic between personal and commercial policies.

import { PERSONAL_LOB_CODES } from "@claritylabs/cl-sdk/policy-taxonomy";

const isPersonal = codes.some((c) => PERSONAL_LOB_CODES.has(c));

Full Classification Example

The following example runs extraction and then reads the resulting LOB codes with a human-readable label for each:

import { createExtractor } from "@claritylabs/cl-sdk";
import {
  ACORD_LOB_LABELS,
  resolveOperationalProfileLinesOfBusiness,
} from "@claritylabs/cl-sdk/policy-taxonomy";

const extractor = createExtractor({ generateObject });
const result = await extractor.extract(pdfBase64, "doc-123", { sourceSpans });

const { linesOfBusiness: codes } = resolveOperationalProfileLinesOfBusiness({
  profileLinesOfBusiness: result.operationalProfile!.linesOfBusiness,
  coverages: result.operationalProfile!.coverages,
});

for (const code of codes) {
  console.log(`${code}: ${ACORD_LOB_LABELS[code]}`);
}
// CGL: Commercial General Liability
// AUTOB: Business Auto

Store the raw AcordLobCode[] array in your database rather than labels or legacy strings. Labels may be updated in future SDK versions, but code values are stable ACORD-defined identifiers.

Get Started

Extraction

Query Agent

Workflows

Foundation

Reference

Policy Classification Using ACORD Lines-of-Business Codes

How Classification Works

Legacy-to-ACORD Code Mapping

Exported Utilities

AcordLobCodeSchema

ACORD_LOB_CODES

ACORD_LOB_LABELS

LEGACY_POLICY_TYPE_TO_LOB

Utility Functions

Full Classification Example

​How Classification Works

​Legacy-to-ACORD Code Mapping

​Exported Utilities

AcordLobCodeSchema

ACORD_LOB_CODES

ACORD_LOB_LABELS

LEGACY_POLICY_TYPE_TO_LOB

​Utility Functions

​Full Classification Example

How Classification Works

Legacy-to-ACORD Code Mapping

Exported Utilities

Utility Functions

Full Classification Example