Five Insurers Successfully Achieve CSIO’s Compliance Certification

(Toronto – July 15, 2025) CSIO is pleased to announce that five insurers have achieved CSIO’s Compliance Certification by eliminating all Z-Codes (non-standard coverage codes): 

• Algoma Mutual—A Division of Integrated Mutual Insurance Group 
• Axiom Mutual Insurance Company 
• Edge Mutual Insurance Company  
• North Blenheim Mutual Insurance Company 
• Usborne & Hibbert Mutual Fire Insurance Company 

The Certified insurers have demonstrated that they only use CSIO Standard codes in their data exchange services with their broker partners. Eliminating Z-Codes allows brokers to interpret policy data quickly and easily in their Broker Management System, leading to greater efficiency, more time savings and an enhanced customer experience. 

Additionally, this achievement has resulted in insurers improving their CSIO Standards Certification Rating for Personal Lines. The Ratings were developed by CSIO’s Standards Governance Advisory Council to highlight organizations’ commitment to adopting CSIO Data Standards to benefit brokers. 

“By earning Compliance Certification, these five insurers have achieved significant progress in advancing Data Standards to increase broker productivity,” said Kathryn Sinclair, Interim President at CSIO. “Together, CSIO and the industry are committed to eliminating Z-Codes, ensuring data accuracy and seamless connectivity in the P&C broker channel.” 

CSIO works closely with insurers to eliminate Z-Codes by mapping them to CSIO Data Standards. If insurers have a coverage code for which a Standard code does not exist, they can submit a Maintenance Request (MR) to replace it with a Standard code. MRs are reviewed and approved by CSIO’s National Standards Working Group, which meets monthly to ensure Standards are up-to-date and respond to business needs. Once approved, MRs can be programmed immediately into insurers’ systems, removing the need for Z-Codes.  

Insurers who have eliminated all Z-Codes can apply for CSIO’s Compliance Certification. Email certification@csio.com to get started and check out our list of Compliance Certified members. 

About Centre for Study of Insurance Operations (CSIO) 

CSIO is Canada’s industry technology association of property and casualty insurers, vendors and over 43,000 brokers. CSIO is committed to driving innovative solutions that enable the best insurance experience in Canada by overseeing the development, implementation, and maintenance of technology Standards and solutions, such as CSIOnet, eDocs, and My Proof of Insurance. The CSIO XML Standard is licensed to CSIO by ACORD (Association for Cooperative Operations Research and Development). For more information, visit csio.com. 

For further information, please contact: 

Igor Rakic | Senior Communications Manager 
110 Yonge Street, Suite 500 | Toronto, ON M5C 1T4 
(647) 446-0649 | 1 (800) 463-2746 x2300 
irakic@csio.com | www.csio.com