ACORD Forms

Every ACORD Form Used in Commercial Insurance

ACORD forms are the standardized application forms used throughout the commercial insurance industry. Most agents use the same 3–5 forms repeatedly, but knowing the full library helps when encountering specialty accounts or coverage lines outside the standard BOP and GL/WC package. Here is a complete reference of the ACORD forms used in commercial insurance and when each is required.

Core commercial application forms

ACORD 125

Commercial Insurance Application

Required on every commercial submission. Covers named insured information, business contact details, prior carrier history, and loss history. The coversheet for every commercial package.

ACORD 126

Commercial General Liability Section

Required for any GL coverage, including BOP GL, standalone CGL, and GL within a commercial package. Captures class codes, revenue, operations description, and premises information.

ACORD 130

Workers Compensation Section

Required for all workers compensation submissions. Captures payroll by class code, officer election/exclusion information, EMR, and prior WC carrier history.

ACORD 140

Property Section

Required for commercial property coverage — standalone or within a package. Captures building location, construction type, year built, protection class, replacement cost value, and coverage options.

ACORD 137

Commercial Auto Section

Required for business auto coverage. Covers the vehicle schedule, driver list, MVR information, and prior auto carrier history. Used with the ACORD 125.

Specialty and supplemental forms

ACORD 131

Professional Liability Section

Used for E&O, D&O, and professional liability submissions where a carrier accepts ACORD format. Many professional liability carriers use proprietary supplementals instead of or in addition to ACORD 131.

ACORD 150

Garage Section

Required for auto dealers, service stations, repair shops, and other garage operations. Covers dealer inventory, service operations, and the unique liability exposures of auto-related businesses.

ACORD 160

Farm Section

Covers agricultural operations — crop, livestock, and farm property. Used by rural commercial insurance agents writing farm accounts.

ACORD 180

Umbrella/Excess Section

Used for commercial umbrella and excess liability submissions. Documents the underlying coverage structure that the umbrella sits above.

ACORD 855

Inland Marine Section

Used for floater policies covering movable property — contractors equipment, installation floaters, motor truck cargo, and other inland marine classes.

Which ACORD forms are needed for common commercial packages

GL + WC (most common commercial package)

ACORD 125, 126, 130

BOP (Business Owner's Policy)

ACORD 125, 126, 140

Commercial property only

ACORD 125, 140

Commercial auto

ACORD 125, 137

Full commercial package (GL + WC + Property + Auto)

ACORD 125, 126, 130, 140, 137

Commercial umbrella

ACORD 125, 180 (plus underlying coverage forms)

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→ How to complete the ACORD 125 form faster → How to complete the ACORD 126 form → How to complete the ACORD 130 form → Best ACORD automation for commercial insurance