Four Insurers Successfully Eliminate Z-Codes and Achieve CSIO’s Compliance Certification

(Toronto – December 9, 2025) CSIO congratulates the following insurers on achieving Compliance Certification by eliminating all non-standard coverage codes (Z-Codes) from their data exchange services: APRIL Canada and APRIL Marine, Echelon Insurance, Lambton Mutual Insurance Company and Nova Mutual Insurance Company.

By earning Compliance Certification, these insurers have demonstrated that they exclusively use CSIO Standards when sending coverage codes to Broker Management Systems (BMS). Standardized codes are easily recognized in a BMS, allowing brokers to identify a policy’s coverage without needing to log into insurer portals or renaming codes. As a result, they benefit from more accurate reports, targeted marketing, and a seamless customer experience.

“I am pleased to congratulate these insurers on achieving Compliance Certification, an accomplishment that reflects their commitment to Data Standards and connectivity,” said Kathryn Sinclair, President & CEO of CSIO. “By leveraging CSIO Standard codes, insurers and brokers can expect more consistent data exchange and greater efficiency. Additionally, Standard codes enable brokers to interpret policy information with confidence and support them in delivering the best insurance solutions to their customers.”

CSIO works with insurers every step of the way to eliminate Z-Codes and obtain Compliance Certification. Our Standards Maintenance Request (MR) process allows insurers to request a new Standard code, eliminating the need to create new Z-Codes. MRs are then reviewed by CSIO’s National Standards Working Group, which meets regularly to evolve Data Standards and stay current with business needs. In 2025, CSIO helped insurers remove approximately 1,200 Z-Codes from their data exchange services, marking a significant advancement in Standards adoption.

Insurers committed to eliminating Z-Codes and interested in applying for Compliance Certification can contact us at certification@csio.com. You can also view the full list of Compliance Certified members at csio.com.

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:

CSIO Communications
110 Yonge Street, Suite 500 | Toronto, ON M5C 1T4
(416) 360-1773 | 1 (800) 463-2746
communications@csio.com | www.csio.com