ACORD field requirements
Which fields the online forms require, by coverage line. Field numbers match the agency's marked-up ACORD forms and questionnaires.
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 line | Forms |
|---|---|
| Commercial Property | ACORD 125 + ACORD 140 |
ACORD 125 · Commercial Insurance Application
Used for: Commercial Property
58 required · 13 optional · 7 agency only
| # | Section | Field | Status |
|---|---|---|---|
| 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 140 · Property Section
Used for: Commercial Property
18 required · 17 optional · 8 agency only
| # | Section | Field | Status |
|---|---|---|---|
| 1 | Policy Information | Named Insured(s) | Required |
| 2 | Policy Information | Effective Date | Required |
| 3 | Premises & Building Information (each row) | Premises # | Required |
| 4 | Premises & Building Information (each row) | Street Address | Required |
| 5 | Premises & Building Information (each row) | Building # | Required |
| 6 | Premises & Building Information (each row) | Building Description | Required |
| 7 | Premises & Building Information (each row) | Construction Type | Required |
| 8 | Premises & Building Information (each row) | Distance to Fire Hydrant (ft) | Required |
| 9 | Premises & Building Information (each row) | Distance to Fire Station (mi) | Required |
| 10 | Premises & Building Information (each row) | Fire District | Required |
| 11 | Premises & Building Information (each row) | # of Stories | Required |
| 12 | Premises & Building Information (each row) | # of Basements | Required |
| 13 | Premises & Building Information (each row) | Year Built | Required |
| 14 | Premises & Building Information (each row) | Total Area (Sq Ft) | Required |
| 15 | Premises & Building Information (each row) | Wiring Updated (year) | Optional |
| 16 | Premises & Building Information (each row) | Roofing Updated (year) | Optional |
| 17 | Premises & Building Information (each row) | Plumbing Updated (year) | Optional |
| 18 | Premises & Building Information (each row) | Heating Updated (year) | Optional |
| 19 | Premises & Building Information (each row) | Roof Type | Required |
| 20 | Premises & Building Information (each row) | Primary Heat: Boiler? | Required |
| 21 | Premises & Building Information (each row) | Right Exposure & Distance | Optional |
| 22 | Premises & Building Information (each row) | Left Exposure & Distance | Optional |
| 23 | Premises & Building Information (each row) | Front Exposure & Distance | Optional |
| 24 | Premises & Building Information (each row) | Rear Exposure & Distance | Optional |
| 25 | Premises & Building Information (each row) | Burglar Alarm Type | Required |
| 26 | Premises & Building Information (each row) | Burglar Alarm Certificate # | Optional |
| 27 | Premises & Building Information (each row) | Certificate Expiration | Optional |
| 28 | Premises & Building Information (each row) | Central Station, Local or With Keys | Optional |
| 29 | Premises & Building Information (each row) | Burglar Alarm Installed & Serviced By | Optional |
| 30 | Premises & Building Information (each row) | Premises Fire Protection | Required |
| 31 | Premises & Building Information (each row) | If Sprinklered, % | Optional |
| 32 | Premises & Building Information (each row) | Fire Alarm Manufacturer | Optional |
| 33 | Premises & Building Information (each row) | Fire Alarm: Central Station or Local Gong | Optional |
| 34 | Premises & Building Information (each row) | Mortgage Company Name & Address (if mortgaged) | Optional |
| 35 | Premises & Building Information (each row) | Loan Number | Optional |
| Premises & Building Information (each row) | Building Limit | Agency only | |
| Premises & Building Information (each row) | Business Personal Property Limit | Agency only | |
| Premises & Building Information (each row) | Business Income / Extra Expense | Agency only | |
| Premises & Building Information (each row) | Valuation | Agency only | |
| Premises & Building Information (each row) | Causes of Loss | Agency only | |
| Premises & Building Information (each row) | Coinsurance | Agency only | |
| Premises & Building Information (each row) | Deductible | Agency only | |
| Premises & Building Information (each row) | Protection Class | Agency only |