ACORD 131 — Commercial Umbrella and Excess Section

The ACORD 131 is used to submit commercial umbrella and excess liability applications. It is always submitted alongside the ACORD 125 and requires a complete schedule of all underlying policies. Umbrella is one of the most frequently requested coverages for mid-size commercial accounts, and it is increasingly standard for contractors, distributors, and businesses with significant operations exposure.

When you need the ACORD 131

The ACORD 131 is required any time a client is requesting commercial umbrella or excess liability coverage — either as a new policy, a renewal, or an add-on to an existing commercial account. Umbrella coverage is particularly important for clients in contractually required industries (contractors, staffing, transportation), businesses with significant completed operations exposure, and any account where the standard CGL limits may not be sufficient for a serious claim.

What the ACORD 131 covers

Common mistakes on the ACORD 131

How AgencyAssist handles the ACORD 131

Umbrella submissions require gathering policy numbers, limits, and carrier information from multiple underlying policies — data that clients often don't have readily available. Agents typically spend extra time collecting this from prior declarations pages or calling the current carrier.

AgencyAssist prompts clients to provide their underlying policy information as part of the intake process. The data is collected alongside all other submission information and mapped into the umbrella section of your submission summary automatically — a custom summary, not an official ACORD 131 form. When the client has all of their policies with the same agency, the underlying schedule can be pre-populated from existing submission data.