The Commercial Lines Minimum Data Set by Industry
43 underwriting data risk attributes make up the Minimum Data Set (MDS) needed to underwrite all types of commercial risks. The Commercial Lines (CL) Working Group has incorporated hundreds of Insurance Bureau of Canada (IBC) codes into the MDS for various customer industries. This allows brokers to pass multiple IBC codes under different industries. Below are the IBC codes that the CL Working Group has published.
![Happy professionals in an office with their hands together in a circle](/sites/default/files/styles/media_365x225/public/2023-03/Business-and-professional-services.jpeg?itok=rzQMMaM3)
78 IBC codes I (96% of all IBC business and professional services codes)
![Two contractors talking in front of a desk with construction items on it](/sites/default/files/styles/media_365x225/public/2023-03/Contractors%20IBC%20MDS%20codes.jpeg?itok=j1wfOO9L)
70 IBC codes
(74% of all IBC contractors codes)
![Outdoor restaurant patio with dining tables](/sites/default/files/styles/media_365x225/public/2023-03/CL-Hospitality.jpeg?itok=w5nhQBsE)
21 IBC codes
(78% of all IBC hospitality codes)
![Outside view of a modern strip mall](/sites/default/files/styles/media_365x225/public/2023-03/CL-Real-Estate.jpeg?itok=E_XOL5lH)
24 IBC codes
(75% of all IBC real estate codes)
![Storeowner standing at the door of their small business storefront](/sites/default/files/styles/media_365x225/public/2023-03/Retail-shop.jpeg?itok=pQrzy8H8)
74 IBC codes
(88% of all IBC retail codes)
![Health-Services-resized-for-web](/sites/default/files/styles/media_365x225/public/2023-03/Health-Services-resized-for-web.jpg?itok=gVMylGpZ)
23 IBC codes
(64% of all IBC health services codes)
![Warehousing](/sites/default/files/styles/media_365x225/public/2023-06/AdobeStock_Warehousing.jpeg?itok=HbUWXDEc)
11 IBC codes
(61% of all IBC warehousing services codes)
![Farming](/sites/default/files/styles/media_365x225/public/2023-06/AdobeStock_Farming.jpeg?itok=b3j_Jg5b)
10 IBC Codes
(48% of all IBC farming codes)
![Wholesale Services](/sites/default/files/styles/media_365x225/public/2024-03/AdobeStock_Wholesale%20Services_.jpeg?itok=Pyf5tvpl)
40 IBC Codes
(48% of all IBC wholesale services codes)
![Manufacturing Processing Image](/sites/default/files/styles/media_365x225/public/2024-04/AdobeStock_Manufacturing_CL.jpeg?itok=PRh-t-6E)
21 IBC Codes
![Education Services](/sites/default/files/styles/media_365x225/public/2024-05/AdobeStock_Education_Services.jpeg?itok=YQtXGw1V)
2 IBC Codes
![Member Organization Services](/sites/default/files/styles/media_365x225/public/2024-05/AdobeStock_Member_Organizations.jpeg?itok=AgfJGxE-)
1 IBC Code
The CL MDS helps brokers, insurers and vendors achieve:
Download CL MDS Question Sets by Industry
To enable real-time quoting, insurers and vendors can download the CL MDS Question Set for each industry below and program it into their systems. You can also view our list of certified members.
Business and Professional Services I Contractors I Hospitality I Real Estate l Retail I Health Services l
Warehousing Services l Farming Services l Wholesale Services I Manufacturing/Processing Services I
Education Services l Member Organization Services
CL MDS Adoption Scorecard
Insurers and BMS vendors are reporting several benefits when they program the Commercial Lines Minimum Data Set (MDS) and enable real-time quoting for brokers. Results are updated on a quarterly basis.
Getting Started
Helpful information and resources for insurers and vendors to program the Commercial Lines Minimum Data Set (CL MDS) and achieve certification in CSIO Commercial Lines Data Standards.
![Checklist](/sites/default/files/styles/media_365x225/public/2022-09/checklist.jpg?itok=z3Pw5DfM)
Easily verify whether your systems have the proper data elements to implement the Commercial Lines Minimum Data Set.
![Implementation Guide](/sites/default/files/styles/media_365x225/public/2022-09/implementation%20guide.jpg?itok=CAE0Ucqe)
Helps insurer and vendor members better understand the data elements of the Commercial Lines Minimum Data Set.
![Certification](/sites/default/files/styles/media_365x225/public/2021-10/Certification.jpeg?itok=pZGHgnQr)
Get started on achieving Commercial Lines Certification by programming and implementing the Commercial Lines Data Standards.
![Man in business suit pointing to white business graphic](/sites/default/files/styles/media_365x225/public/2024-07/cl_data_standards_homepage_image_0_0.jpg?itok=U3UTqPwc)
The CL MDS validator confirms if your XML file is compliant with CSIO's Commercial Lines Data Standards.