ACORD XML Protocol

All Safeco Auto communication uses ACORD XML transmitted over HTTPS. Internally, the XML is represented as JSON (converted by SafecoV3XmlConverterService) so all mapping and manipulation happens in JS objects.

Transaction Types

Transaction	Type Value	Sub-Transaction	Purpose
RC1	RateCall1	—	Plain rate call (establish quote, get UUIDs)
RC1 + CC	RateCall1	com.safeco_ReconcileCC	Prior insurance verification (CLUE)
RC1 + ADD	RateCall1	com.safeco_ReconcileADD	Additional driver discovery
RC2	RateCall2	com.safeco_ReconcileADD	Final rating with MVR/CLUE ordering and driver reconciliation
RC3	RateCall3	com.safeco_Bind	Bind policy with payment

ACORD Envelope Structure

ACORD
├── SignonRq
│   ├── SignonPswd → CustId → CustLoginId (agent login)
│   └── ClientApp → Org, Name, Version
└── InsuranceSvcRq
    ├── RqUID (unique request ID)
    └── PersAutoPolicyQuoteInqRq
        ├── com__safeco_TransactionType
        ├── com__safeco_SubTransactionType (optional)
        ├── TransactionRequestDt
        ├── InsuredOrPrincipal (named insured)
        ├── PersPolicy
        │   ├── ContractTerm (EffectiveDt, ExpirationDt, DurationPeriod)
        │   ├── QuoteInfo (CompanysQuoteNumber, com.safeco_CompanyURL)
        │   └── PaymentOption (for RC3 bind)
        ├── PersAutoLineBusiness
        │   ├── LOBCd: "AUTOP"
        │   ├── PersDriver[] (drivers with IDs, DOB, license, relation)
        │   ├── PersVeh[] (vehicles with VIN, year, make, model, garaging)
        │   ├── Coverage[] (coverages with codes and limits)
        │   └── Discount[] (discount codes and amounts)
        ├── Location[] (garaging addresses)
        └── CreditScoreInfo (IBS consent)

Entity References

Safeco assigns internal IDs to drivers, vehicles, and locations on the first RC1 call. These IDs must be preserved across all subsequent calls.

carrier_quote_sessions.metadata.entityRefs = {
  drivers:   { driver_1: "safeco-id-abc", driver_2: "safeco-id-def" },
  vehicles:  { vehicle_1: "safeco-id-123", vehicle_2: "safeco-id-456" },
  locations: { location_1: "safeco-id-loc1" }
}

Entity refs are extracted after each RC1 call via extractQuoteSessionFromResponse() and merged with existing refs. New refs overwrite by key; existing refs are preserved.

Source: libs/apis/carriers/safeco/src/v3/application/utils/safeco-session.extractor.ts

Full Rate Flow (4 Steps)

RC1 + CC (Prior Insurance Verification)

Runs a CLUE report to verify prior insurance history. The sub-transaction com.safeco_ReconcileCC triggers Safeco to order a Comprehensive Claims (CC) report.

Response codes (com__safeco_CLUEOrderResult):

Code	Meaning
C	Clean — no prior claims
H	Hits — prior claims found
N	No hit — no record found
E	Error ordering report
999	System error

RC1 + ADD (Additional Driver Discovery)

Discovers undisclosed household drivers. Safeco returns DriverCandidate entries that must be reconciled in RC2.

For RC2, discovered drivers are injected with:

• com__safeco_DriverCandidateType: 'N' (not adding)
• com__safeco_AddAction: 'N' (decline to add)

RC2 (Final Rating)

Before sending RC2, the service validates ~14 required fields:

Field	Validation
TransactionType	Must be RateCall2
EsignYN	Must be present
PaperlessBillingYN	Must be present
AgentEmailAddress	Must be present
NIPRId	Must be present
ContractNumber / RqUID	Must be present
Insured name + DOB	Must be present
Address	Must be present
CreditScoreInfo (IBS)	Must be present
LOBCd	Must be AUTOP
EffectiveDt	Must be present
Drivers	Count > 0
Vehicles	Count > 0

MVR response codes (com__safeco_MVROrderResult):

Code	Meaning
C	Clean record
H	Hits — violations found
N	No record found
E	Error ordering report
999	System error

RC3 (Bind)

RC3 preparation:

1. Clone RC2 quote data
2. Set TransactionType = 'RateCall3', SubTransactionType = 'com.safeco_Bind'
3. Remove MsgStatus (response-only field)
4. Add PaymentOption to PersPolicy with Hydra instrument and plan details

Response Parsing

All rate responses are parsed through parseRateResponse():

Extracted Data	ACORD Path
Status	ACORD.Status.StatusCd (0 = success)
Message status	PersAutoPolicyQuoteInqRs.MsgStatus.MsgStatusCd
Extended errors	MsgStatus.ExtendedStatus[].ExtendedStatusDesc
Quote number	PersAutoPolicyQuoteInqRs.RqUID
Policy number	PersAutoPolicyQuoteInqRs.PolicyNumber
FullTermAmt	Sum of PersVeh[].FullTermAmt.Amt
Policy term	PersPolicy.ContractTerm.DurationPeriod.NumUnits
Coverages	PersAutoLineBusiness.Coverage[]
Discounts	PersAutoLineBusiness.Discount[]
Payment plans	PersPolicy.PaymentOption[]
Safeco URL	com.safeco_CompanyURL

API Client

Implementation: libs/apis/carriers/safeco/src/v3/infrastructure/api/safeco-v3-api.client.ts

Config	Env Variable
RC1/RC2 endpoint	SAFECO_RC1_RC2_URL
RC3 (bind) endpoint	SAFECO_RC3_URL
Attribution ID	SAFECO_RC1_RC2_ATTRIBUTION_ID
Timeout	SAFECO_API_TIMEOUT (default 30s)

Auth: Bearer token from SafecoV3AuthService → Switchboard OAuth (SwitchboardTokenManagerService).

Headers: Authorization, Content-Type: application/xml, Accept: application/xml, x-partner-attribution-id.

Retry: On 401, clears cached token and retries once.

Logging: Request/response XML and JSON logged to logs/api/ with timestamps.

Field Mapper

SafecoV3FieldMapperService converts GHCMS session data into the ACORD XML structure:

Session Data	ACORD Target
Applicant name, DOB, SSN	InsuredOrPrincipal
Drivers (license, relation)	PersDriver[]
Vehicles (VIN, year, make, model)	PersVeh[]
Garaging addresses	Location[]
Prior policy info	PriorPolicy on PersAutoLineBusiness
Coverages (BI, PD, UM, PIP)	Coverage[]
Policy info (effective date, term)	PersPolicy.ContractTerm
Agent NPN	NIPRId
E-sign acceptance	com__safeco_EsignYN
Excluded drivers	com__safeco_ExcludedDriverInputs

Source: libs/apis/carriers/safeco/src/v3/infrastructure/mapping/safeco-v3-field-mapper.service.ts