ACORD Form Library

Free ACORD Form Reference Library

Downloadable guides for every major commercial P&C ACORD form — what they cover, what to collect, and tips for faster submissions.

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How to use this library:Each guide covers one ACORD form — what it's used for, which sections to complete, what information to collect from your client, and agent tips to avoid common mistakes. Download the PDF to keep at your desk or share with your team.

Want to skip the forms entirely? AgencyAssist automates the entire intake process — send clients a link, they answer plain-English questions, and you get a completed ACORD form instantly.

ACORD 125

Commercial Insurance Application

All Commercial Accounts

The foundation of every commercial submission. Captures core business info, named insured, operations, and loss history.

Key Sections

→Applicant & Business Information
→Business Description & Operations
→Gross Revenue & Payroll
→Prior Loss History (3–5 years)
→Coverage Selections

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ACORD 126

Commercial General Liability

GL / BOP / Contractors

Supplements the ACORD 125 with detailed GL underwriting data including premises, operations, and subcontractor exposure.

Key Sections

→Premises & Operations Details
→Products / Completed Operations
→Subcontractor Costs & COIs
→Additional Insureds
→Limits & Deductibles

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ACORD 130

Workers Compensation Application

Workers Comp

Required for any employer with workers comp coverage. Captures payroll by class code, experience mod, and officer/owner elections.

Key Sections

→Payroll by Classification Code
→Experience Modification (e-mod)
→Officers / Owners Include/Exclude
→States of Operation
→Safety Programs

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ACORD 140

Property Section

Commercial Property / BOP

Details building values, business personal property, and business income. Used alongside the ACORD 125 for all property risks.

Key Sections

→Location & Construction Details
→Building Replacement Cost Value
→Business Personal Property
→Business Income / Extra Expense
→Roof Age & Condition

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ACORD 137

Commercial Auto Section

Commercial Auto / Fleet

Covers business-owned vehicles and hired/non-owned auto. Required for any account with company vehicles or employees driving for work.

Key Sections

→Vehicle Schedule (Year/Make/VIN)
→Driver List & MVR History
→Coverage Limits & Deductibles
→Hired & Non-Owned Auto
→Radius of Operations

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ACORD 131

Commercial Umbrella / Excess

Umbrella / Excess Liability

Used for Umbrella and Excess Liability submissions. Requires a full schedule of underlying policies and limits.

Key Sections

→Schedule of Underlying Policies
→Underlying Limits & Carriers
→Requested Umbrella Limits
→Prior Umbrella History
→States of Operation

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