ACORD FormsBusiness Auto Section
ACORD 127 — Business Auto Section
The ACORD 127 is the section-specific supplement for commercial auto coverage. It is submitted alongside the ACORD 125 and captures detailed vehicle, driver, and coverage information that auto underwriters need to evaluate and price the account.
When you need the ACORD 127
Any business that owns or leases vehicles requires the ACORD 127 for a commercial auto submission. This includes contractors with work trucks, delivery businesses, transportation companies, and any service business that operates vehicles in the field. The ACORD 127 is also used when adding commercial auto to an existing account or quoting a monoline commercial auto policy.
What the ACORD 127 covers
Vehicle schedule
- Year, make, model, and VIN for each vehicle
- Vehicle use (service, commercial, pleasure)
- Radius of operation
- Annual mileage per vehicle
- Vehicle cost new and current value
Driver information
- Full legal name and date of birth for all drivers
- License number and state of licensure
- Years of driving experience
- Violations, accidents, and suspensions in the prior 3–5 years
Coverage selections
- Liability limits (split or combined single limit)
- Uninsured and underinsured motorist limits
- Medical payments limit
- Comprehensive and collision deductibles
- Hired and non-owned auto coverage
Garage information
- Principal garaging address for each vehicle
- Whether vehicles are kept overnight at the business address or elsewhere
Prior insurance
- Current commercial auto carrier
- Policy expiration date
- Any lapses in coverage
- Loss history for auto claims
Common mistakes on the ACORD 127
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Missing drivers
All employees who may operate a company vehicle must be listed. Missing drivers — including occasional drivers — is a coverage gap that can void a claim.
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Incorrect vehicle use classification
Service use, commercial use, and artisan use are rated differently. Misclassifying how vehicles are used leads to incorrect premium and potential coverage issues.
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Wrong garaging address
Vehicles garaged in a different state or ZIP code than listed may not be properly rated. This is a common audit finding.
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Omitting hired and non-owned auto
Businesses whose employees drive personal vehicles for work need hired and non-owned auto coverage. Agents frequently forget to address this exposure.
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Incomplete MVR data
Many agents skip asking about violations because it is an uncomfortable conversation. Undisclosed violations at renewal or loss time can result in non-renewal.
How AgencyAssist handles the ACORD 127
Commercial auto submissions are time-consuming because of the volume of data required — every vehicle, every driver, every violation. Most agents collect this information through phone calls or spreadsheets that then have to be manually entered into the ACORD 127.
AgencyAssist collects all vehicle and driver information through a client intake link. Clients enter their vehicle schedule and driver list in plain English, and AgencyAssist maps that data directly to the ACORD 127. The form is generated automatically alongside the ACORD 125 — no manual data entry required.
Complete commercial auto submissions faster
One intake link collects all vehicle and driver data and generates the completed ACORD 127 automatically.