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

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

70 IBC codes
(74% of all IBC contractors codes)

Outdoor restaurant patio with dining tables

21 IBC codes
(78% of all IBC hospitality codes)

Outside view of a modern strip mall

24 IBC codes
(75% of all IBC real estate codes)

Storeowner standing at the door of their small business storefront

74 IBC codes
(88% of all IBC retail codes)


23 IBC codes
(64% of all IBC health services codes)


11 IBC codes
(61% of all IBC warehousing services codes)


10 IBC Codes
(48% of all IBC farming codes)

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 Warehousing Services Farming Services


Brokers can find out their potential savings by working with insurers and vendors who programmed the CL MDS into their systems using CSIO's Commercial Lines Real Time Quote Savings Calculator.

Getting Started

Helpful information for brokers, 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.


Easily verify whether your systems have the proper data elements to implement the Commercial Lines Minimum Data Set. 

Implementation Guide

Helps insurer and vendor members better understand the data elements of the Commercial Lines Minimum Data Set. 


Get started on achieving Commercial Lines Certification by programming and implementing the CL Data Standards.