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
General LiabilityACORD 125 + ACORD 126 + GL Supplemental

ACORD 125 · Commercial Insurance Application

Used for: General Liability

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 126 · Commercial General Liability Section

Used for: General Liability

42 required · 1 optional · 19 agency only

#SectionFieldStatus
Coverages & Limits Coverage Form Agency only
Coverages & Limits Each Occurrence Agency only
Coverages & Limits General Aggregate Agency only
Coverages & Limits Aggregate Applies Per Agency only
Coverages & Limits Products & Completed Ops Aggregate Agency only
Coverages & Limits Personal & Advertising Injury Agency only
Coverages & Limits Damage to Rented Premises Agency only
Coverages & Limits Medical Expense Agency only
Coverages & Limits Deductible Agency only
Coverages & Limits Retroactive Date (claims-made) Agency only
Schedule of Hazards (each row) Loc # Agency only
Schedule of Hazards (each row) Haz # Agency only
Schedule of Hazards (each row) Class Code Agency only
Schedule of Hazards (each row) Classification Agency only
Schedule of Hazards (each row) Premium Basis Agency only
Schedule of Hazards (each row) Exposure Agency only
Schedule of Hazards (each row) Territory Agency only
Schedule of Hazards (each row) Rate - Prem/Ops Agency only
Schedule of Hazards (each row) Rate - Products Agency only
1 Contractors Does the applicant draw plans, designs or specifications for others? Required
2 Contractors Do any operations include blasting or utilize/store explosive material? Required
3 Contractors Do any operations include excavation, tunneling, underground work or earth moving? Required
4 Contractors Do your subcontractors carry coverages or limits less than yours? Required
5 Contractors Are subcontractors allowed to work without providing you with a certificate of insurance? Required
6 Contractors Does the applicant lease equipment to others with or without operators? Required
7 Contractors Describe the type of work subcontracted Optional
8 Contractors Total annual amount paid to subcontractors Required
9 Contractors Percentage of total work subcontracted (%) Required
10 Contractors Total number of full-time staff Required
11 Contractors Total number of part-time staff Required
12 Products / Completed Operations Does the applicant install, service or demonstrate products? Required
13 Products / Completed Operations Are foreign products sold, distributed or used as component parts? Required
14 Products / Completed Operations Is research and development conducted on-site or are new products planned? Required
15 Products / Completed Operations Do your offerings include guarantees, warranties or hold harmless agreements? Required
16 Products / Completed Operations Are any products related to the aircraft or space industry? Required
17 Products / Completed Operations Have any products been recalled, discontinued or changed in design/formulation? Required
18 Products / Completed Operations Are products of others sold or re-packaged under the applicant's label? Required
19 Products / Completed Operations Are your products sold under the label of others? Required
20 Products / Completed Operations Is vendor's coverage required by your clients? Required
21 Products / Completed Operations Does any Named Insured sell products to other Named Insureds within the enterprise? Required
22 General Information Are any medical facilities provided or medical professionals employed/contracted? Required
23 General Information Is there any operational exposure to radioactive or nuclear materials? Required
24 General Information Have past, present or discontinued operations involved storing, treating, discharging, applying, disposing or transporting hazardous material? Required
25 General Information Have any operations been sold, acquired or discontinued in the last 5 years? Required
26 General Information Do you rent or loan equipment to others?
If yes (optional): Small tools or large equipment, and whether instructions are given		 Required
27 General Information Are any watercraft, docks or floats owned, hired or leased? Required
28 General Information Are any parking facilities owned or rented by the applicant? Required
29 General Information Is a fee charged to customers or the public for parking? Required
30 General Information Are recreational facilities provided for employee or public use? Required
31 General Information Are there any lodging operations, including apartments?
If yes (optional): # of apartments, total apartment area (sq ft), other lodging operations		 Required
32 General Information Is there a swimming pool on the premises?
If yes (optional): Which apply: approved fence, limited access, diving board, slide, above ground, in ground, life guard		 Required
33 General Information Are social events sponsored by the business? Required
34 General Information Are athletic teams sponsored by the business?
If yes (optional): Sport, contact sport?, age group, extent of sponsorship		 Required
35 General Information Are any structural alterations contemplated on the premises? Required
36 General Information Is any demolition exposure contemplated? Required
37 General Information Has the applicant been active in, or is currently active in, joint ventures? Required
38 General Information Do you lease employees to or from other employers? Required
39 General Information Is there a labor interchange with any other business entity or subsidiaries? Required
40 General Information Are day care facilities operated or controlled by the applicant? Required
41 General Information Have any crimes occurred or been attempted on your premises within the last 3 years? Required
42 General Information Is there a formal, written safety and security policy in effect? Required
43 General Information Does promotional literature make any representations about the safety or security of the premises? Required

GL Supplemental · General Liability Supplemental

Used for: General Liability

3 required · 3 optional · 0 agency only

Placeholder questions: no marked-up supplemental was provided yet. Send the supplemental form you use and these will be replaced.
#SectionFieldStatus
Operations Detail Describe a typical job or day of operations Required
Operations Detail % Residential work Optional
Operations Detail % Commercial work Optional
Operations Detail Largest job in the past 3 years Optional
Operations Detail Are written contracts used with customers? Required
Operations Detail Does the applicant hold all required licenses?
If yes (optional): License types and numbers		 Required