ACORD field requirements

Which fields the online forms require, by coverage line. Field numbers match the agency's marked-up ACORD forms and questionnaires.

All lines General LiabilityExcess / UmbrellaCommercial AutoCommercial PropertyWorkers Compensation
Required: must be answered before the customer can submit Optional: not mandatory (only if it applies) Agency only: completed by agency staff (limits, class codes, rating)

"Yes / No" questions are required. The "If yes, explain" box under each one is optional. Schedules (premises, drivers, vehicles, buildings) list the fields required on each row.

Coverage lineForms
Commercial AutoACORD 125 + ACORD 127 + ACORD 129

ACORD 125 · Commercial Insurance Application

Used for: Commercial Auto

58 required · 13 optional · 7 agency only

#SectionFieldStatus
1 Application & Policy Information Transaction Type Required
2 Application & Policy Information Is the policy bound?
If yes (optional): Bound date, or attach a copy		 Required
3 Application & Policy Information Proposed Effective Date Required
4 Application & Policy Information Proposed Expiration Date Required
Application & Policy Information Billing Plan Agency only
Application & Policy Information Payment Plan Agency only
Application & Policy Information Agency Customer ID Agency only
Application & Policy Information Carrier / NAIC Code Agency only
5 Applicant Information (First Named Insured) First Named Insured (legal name) Required
5 Applicant Information (First Named Insured) Mailing Address Required
5 Applicant Information (First Named Insured) City Required
5 Applicant Information (First Named Insured) State Required
5 Applicant Information (First Named Insured) ZIP+4 Required
6 Applicant Information (First Named Insured) Business Phone Required
7 Applicant Information (First Named Insured) Website Address Required
8 Applicant Information (First Named Insured) FEIN or Social Security # Required
9 Applicant Information (First Named Insured) Legal Entity Required
9 Applicant Information (First Named Insured) LLC: No. of Members & Managers Optional
9 Applicant Information (First Named Insured) Other entity (describe) Optional
Applicant Information (First Named Insured) GL Code Agency only
Applicant Information (First Named Insured) SIC Agency only
Applicant Information (First Named Insured) NAICS Agency only
10 Contact Information Contact Type Required
11 Contact Information Contact Name Required
12 Contact Information Contact Phone Required
12 Contact Information Phone Type Required
13 Contact Information E-mail Address Required
14 Premises Information (each row) Location # Required
14 Premises Information (each row) Building # Required
14 Premises Information (each row) Street Address Required
14 Premises Information (each row) City Required
14 Premises Information (each row) County Required
14 Premises Information (each row) State Required
14 Premises Information (each row) ZIP Required
15 Premises Information (each row) City Limits Required
16 Premises Information (each row) Interest Required
17 Premises Information (each row) Occupied Area (Sq Ft) Required
18 Premises Information (each row) Full-Time Employees Required
19 Premises Information (each row) Part-Time Employees Required
20 Premises Information (each row) Annual Revenues Required
21 Premises Information (each row) Description of Operations at this Location Required
22 Nature of Business Nature of Business Required
22 Nature of Business Other (describe) Optional
23 Nature of Business Date Business Started Required
24 Nature of Business Description of Primary Operations Required
25 General Information Is the applicant a subsidiary of another entity?
If yes (optional): Parent company name, relationship and % owned		 Required
26 General Information Does the applicant have any subsidiaries?
If yes (optional): Subsidiary name, relationship and % owned		 Required
27 General Information Is a formal safety program in operation?
If yes (optional): Which apply: Safety Manual, Safety Position, Monthly Meetings, OSHA		 Required
28 General Information Any exposure to flammables, explosives, chemicals?
If yes (optional): Explain		 Required
29 General Information Any other insurance with this company?
If yes (optional): Line of business and policy number(s)		 Required
30 General Information Any policy or coverage declined, cancelled or non-renewed during the prior 3 years? (Missouri applicants: skip)
If yes (optional): Reason: Non-Payment, Non-Renewal, Agent No Longer Represents Carrier, Underwriting, Condition Corrected		 Optional
31 General Information Any past losses or claims relating to sexual abuse or molestation allegations, discrimination or negligent hiring?
If yes (optional): Explain		 Required
32 General Information During the last 5 years (10 in RI), has any applicant been indicted for or convicted of fraud, bribery, arson or any arson-related crime? Required
33 General Information Any uncorrected fire and/or safety code violations?
If yes (optional): Occur date, explanation, resolution, resolve date		 Required
34 General Information Any foreclosure, repossession or bankruptcy, filed or completed, during the last 5 years?
If yes (optional): Occur date, explanation, resolution, resolve date		 Required
35 General Information Any judgment or lien during the last 5 years?
If yes (optional): Occur date, explanation, resolution, resolve date		 Required
36 General Information Has the business been placed in a trust?
If yes (optional): Name of trust		 Required
37 General Information Any foreign operations, foreign products distributed in the USA, or US products sold/distributed in foreign countries?
If yes (optional): Explain (ACORD 815/816 may be required)		 Required
38 General Information Does the applicant have other business ventures for which coverage is not requested?
If yes (optional): Explain		 Required
39 General Information Does the applicant own, lease or operate any drones?
If yes (optional): Describe use		 Required
40 General Information Does the applicant hire others to operate drones?
If yes (optional): Describe use		 Required
41 Prior Carrier Information (each row) Year Required
41 Prior Carrier Information (each row) Line Required
41 Prior Carrier Information (each row) Carrier Required
41 Prior Carrier Information (each row) Policy # Optional
41 Prior Carrier Information (each row) Premium Optional
41 Prior Carrier Information (each row) Effective Optional
41 Prior Carrier Information (each row) Expiration Optional
42 Loss History (last 3 years) No claims or losses during the last three years Optional
42 Loss History (last 3 years) Total value of losses Optional
42 Claims & Losses (each row) Date of Occurrence Required
42 Claims & Losses (each row) Line Required
42 Claims & Losses (each row) Type / Description of Claim Required
42 Claims & Losses (each row) Date of Claim Optional
42 Claims & Losses (each row) Amount Paid Required
42 Claims & Losses (each row) Amount Reserved Optional
42 Claims & Losses (each row) Subrogation Optional
42 Claims & Losses (each row) Claim Open Required

ACORD 127 · Business Auto Section

Used for: Commercial Auto

40 required · 6 optional · 13 agency only

#SectionFieldStatus
1 Named Insured Named Insured(s) Required
Coverages & Limits Liability (CSL) Agency only
Coverages & Limits Covered Auto Symbol Agency only
Coverages & Limits Medical Payments Agency only
Coverages & Limits UM / UIM Agency only
Coverages & Limits Personal Injury Protection Agency only
Coverages & Limits Comprehensive Deductible Agency only
Coverages & Limits Collision Deductible Agency only
Coverages & Limits Hired Auto Agency only
Coverages & Limits Non-Owned Auto Agency only
2 Driver Information (each row) Driver # Required
3 Driver Information (each row) Driver Name Required
4 Driver Information (each row) City, State, ZIP Required
5 Driver Information (each row) Sex Required
6 Driver Information (each row) Marital Status Required
7 Driver Information (each row) Date of Birth Required
8 Driver Information (each row) Driver's License # Required
9 Driver Information (each row) License State Required
10 General Information Excluding encumbrances, are any vehicles to be insured not solely owned by and registered to the applicant?
If yes (optional): Vehicle # and name of other owner		 Required
11 General Information Do over 50% of the employees use their autos in the business? Required
12 General Information Is there a vehicle maintenance program in operation? Required
13 General Information Are any vehicles corporate-leased to others? Required
14 General Information Are any vehicles modified or equipped with special equipment (including customized vans or pickups)?
If yes (optional): Vehicle #, description and cost		 Required
15 General Information Are ICC, PUC or other filings required? Required
16 General Information Do operations involve transporting hazardous materials?
If yes (optional): Describe (ACORD 194 may be required)		 Required
17 General Information Are there any hold harmless agreements in effect? Required
18 General Information Are any business vehicles used by family members?
If yes (optional): Family members and vehicles		 Required
19 General Information Are MVR verifications obtained? Required
20 General Information Does the applicant use a formal driver recruiting method? Required
21 General Information Are any drivers excluded from or not covered by Workers Compensation? Required
22 General Information Are there any vehicles owned by the entity that are not scheduled on this application? Required
23 General Information Are there any drivers with recent convictions for moving traffic violations? Required
24 General Information Has the insurance agent personally inspected the vehicles? Required
25 General Information Are all vehicles to be included in this policy part of a fleet? Required
26 General Information Are there electronic monitoring devices that record and transmit data in any vehicles?
If yes (optional): Percentage of fleet monitored (1-100%)		 Required
30 Additional Interest Evidence of Interest Required Optional
31 Additional Interest Interest in Vehicle # Optional
31 Additional Interest Interest in Location # Optional
32 Additional Interest Is ACORD 45 attached for additional named interests? Optional
35 Vehicle Description (each row) Vehicle # Required
35 Vehicle Description (each row) Year Required
35 Vehicle Description (each row) Make Required
35 Vehicle Description (each row) Model Required
35 Vehicle Description (each row) Body Type Required
35 Vehicle Description (each row) V.I.N. Required
35 Vehicle Description (each row) Garaging Street Address (required in KY) Optional
35 Vehicle Description (each row) Garaging City Required
35 Vehicle Description (each row) County Required
35 Vehicle Description (each row) State Required
35 Vehicle Description (each row) ZIP Required
35 Vehicle Description (each row) Registration (Lic) State Required
36 Vehicle Description (each row) GVW / GCW Required
36 Vehicle Description (each row) Seating Capacity Optional
36 Vehicle Description (each row) Radius of Operations Required
37 Vehicle Description (each row) Cost New Required
Vehicle Description (each row) Class Agency only
Vehicle Description (each row) SIC Agency only
Vehicle Description (each row) Factor Agency only
Vehicle Description (each row) Territory Agency only

ACORD 129 · Vehicle Schedule

Used for: Commercial Auto

No separate questions. Vehicles 5 and up from the ACORD 127 vehicle schedule print on the ACORD 129.