INTRODUCTION
ACORD asked us to summarize the legal requirements applicable to using electronic
signatures, electronic records and electronic delivery in the business of insurance. Our goal is
to help ACORD members and the larger insurance community to understand the legal
requirements applicable to designing and implementing an effective and compliant electronic
signature and delivery processes. The concepts in this paper apply to all lines of insurance,
except where the context clearly indicates otherwise. In this paper we summarize the legal
requirements as well as identify what we believe are some of the best practices in implementing
and using electronic signatures, records and delivery in the insurance business.
TERMINOLOGY