Reference ACORD · ISO · London Submission & policy forms

Forms Catalog, the working set.

The forms that show up in commercial submissions and policy packages, organized by category. ACORD applications and certificates, ISO policy forms and endorsements, London market documents. The catalog leans toward what you will actually see, not the full bureau library.

ACORD Cover Applications ACORD Supplemental Applications ACORD Certificates and Evidence ACORD Specialty and Professional ISO General Liability Forms ISO Commercial Property Forms ISO Other Lines London Market Documents

This is a working catalog, not a comprehensive bureau index. Form numbers and editions evolve; check ACORD and ISO directly for the current authoritative versions. Cross-references point to the chapter where the form receives the deeper treatment.

Category

ACORD Cover Applications

The standard cover applications carry the named insured, locations, prior insurance history, and coverage selection. Every commercial submission starts with a cover application paired with one or more line-specific sections.

ACORD 125
Commercial Insurance Application (Applicant Section) Cover application capturing named insured, locations, contacts, and prior insurance.
ACORD 126
Commercial General Liability Section GL-specific exposure data, products and operations description, coverage selection.
ACORD 127
Business Auto Section (legacy) Older auto application section, largely superseded by ACORD 137.
ACORD 130
Workers Compensation Application Payroll by class code, OSHA history, prior carrier experience, owner and officer information.
ACORD 137
Commercial Auto Section Vehicle schedule, driver information, radius of operations, coverage selection.
ACORD 140
Property Section Location-specific COPE data, values by category, coverage selection.
ACORD 141
Property Statement of Values (SOV) Multi-location supplement listing buildings, values, and COPE attributes.
ACORD 145
Crime Section Crime and fidelity application capturing covered classes, limits, and prior loss history.
ACORD 146
Inland Marine Section Schedule of inland marine exposures (mobile equipment, transit, builders risk, motor truck cargo).
Category

ACORD Supplemental Applications

Supplements gather industry-specific or hazard-specific information that the standard sections do not capture in detail.

ACORD 161
Restaurant / Bar / Tavern Supplement Liquor liability exposure, training, BAC monitoring practices.
ACORD 162
Manufacturers Supplement Products and operations detail for manufacturers.
ACORD 163
Wholesalers Supplement Wholesale operations detail.
ACORD 164
Retailers Supplement Retail operations detail.
ACORD 167
Apartment Supplement Habitational property and liability exposure.
ACORD 168
Condominium Supplement Condo association exposure.
ACORD 169
Hotel / Motel Supplement Hospitality industry exposure detail.
ACORD 170
Day Care Supplement Day care licensing and exposure.
ACORD 171
Educational Institution Supplement School-specific exposures.
ACORD 172
Medical Office Supplement Healthcare professional exposures (lower-acuity).
ACORD 173
Hospital Supplement Hospital-specific exposures and claim history.
ACORD 174
Long Term Care Supplement Nursing home and assisted living exposures.
ACORD 175
Trucking Application Supplement Trucking-specific exposures, fleet detail, MCS-90 considerations.
ACORD 176
Garage Supplement Auto dealership and service exposures.
ACORD 177
Contractors Supplement General contractor and subcontractor exposures.
ACORD 181
Commercial Auto Driver Information Schedule Driver-by-driver detail for commercial auto.
ACORD 191
Supplemental Loss Information Detail on individual claims supplementing the standard loss runs.
Category

ACORD Certificates and Evidence

Documents evidencing coverage to third parties such as lenders, owners, and contractual counterparties. Important: certificates do not extend or alter the underlying policy.

ACORD 25
Certificate of Liability Insurance Evidence of liability coverage. The most-issued document in commercial insurance.
ACORD 27
Evidence of Property Insurance Standard form for commercial real estate lender requirements.
ACORD 28
Evidence of Commercial Property Insurance Expanded property evidence form for sophisticated lenders.
ACORD 24
Certificate of Property Insurance Property-side equivalent of the ACORD 25.
ACORD 75
Insurance Binder Temporary evidence of coverage prior to policy issuance.
ACORD 23
Vehicle or Equipment Certificate of Insurance Specifically for vehicle and mobile equipment evidence.
Category

ACORD Specialty and Professional

Applications for specialty and professional lines, often paired with carrier-specific supplements that add line-specific underwriting questions.

ACORD 130 series
Workers Compensation Standard WC cover and supplements.
ACORD 145
Crime Application Crime and fidelity coverage detail.
ACORD 146
Inland Marine Inland marine exposure schedule.
ACORD 147
Excess Liability Application Umbrella and excess casualty submission.
ACORD 822
Professional Liability General Application Generic professional liability cover, typically supplemented with line-specific supplements.
ACORD 823
Cyber Liability Application Standardized cyber application capturing security controls, exposure metrics, and prior loss history.
ACORD 825
Directors and Officers Application Standardized D&O cover application.
ACORD 837
Employment Practices Liability Application Standardized EPL application.
Category

ISO General Liability Forms

The ISO Commercial General Liability program is the bureau-standard liability product. CG 00 01 is the foundational policy form; the CG 20 series are additional insured endorsements; the CG 21 series are exclusion endorsements.

CG 00 01
Commercial General Liability Coverage Form (Occurrence) The standard occurrence-form CGL policy. The reference form for commercial liability.
CG 00 02
Commercial General Liability Coverage Form (Claims-Made) The claims-made variant of CGL, less common in primary placements.
CG 20 10
Additional Insured (Owners, Lessees, Contractors, Scheduled Person or Organization) The most-used additional insured endorsement. Multiple editions matter; the 2013 edition narrowed coverage from prior versions.
CG 20 26
Additional Insured (Designated Person or Organization) Generic additional insured endorsement; broader than CG 20 10.
CG 20 33
Additional Insured (Owners, Lessees, Contractors, Automatic Status When Required in Construction Agreement) Automatic AI for downstream contractors meeting written contract requirements.
CG 20 37
Additional Insured (Owners, Lessees, Contractors, Completed Operations) AI extension for completed operations, often required in construction.
CG 21 04
Exclusion - Products / Completed Operations Removes products and completed operations coverage.
CG 21 47
Employment-Related Practices Exclusion Excludes employment-related claims (covered by EPLI instead).
CG 21 96
Silica Exclusion Exclusion for silica-related claims.
CG 21 86
Total Pollution Exclusion Broad pollution exclusion. Drove the development of separate environmental coverage.
CG 22 series
Specialty Exclusions Industry-specific exclusions and modifications.
Category

ISO Commercial Property Forms

ISO commercial property forms govern the dominant property products. The CP forms are the building blocks; carriers package them into their own product structures.

CP 00 10
Building and Personal Property Coverage Form Standard property coverage form for buildings and contents.
CP 00 17
Condominium Association Coverage Form Property coverage tailored to condo association exposures.
CP 00 30
Business Income (and Extra Expense) Coverage Form Standard BI coverage form. Pairs with CP 00 10.
CP 10 10
Causes of Loss - Basic Form Named perils basic form (fire, lightning, explosion, smoke, vandalism, sprinkler leakage, sinkhole collapse, volcanic action).
CP 10 20
Causes of Loss - Broad Form Adds water damage from plumbing systems, weight of ice/snow, and falling objects.
CP 10 30
Causes of Loss - Special Form All-risk form. Covers all causes of loss except those specifically excluded.
CP 04 05
Ordinance or Law Coverage Coverage extension for increased cost of construction due to building code requirements.
CP 04 11
Protective Safeguards Endorsement Maintenance of protective safeguards as a coverage condition.
CP 10 32
Water Exclusion Endorsement Excludes flood and water damage from external sources.
Category

ISO Other Lines

ISO maintains form libraries across other commercial lines, with the CA series covering commercial auto and the CR series covering crime.

CA 00 01
Business Auto Coverage Form Standard commercial auto policy form.
CA 99 03
Auto Medical Payments Coverage Med pay coverage for occupants of covered autos.
CA 99 22
Drive Other Car Coverage - Broadened Coverage for Named Individuals DOC coverage for executives driving non-owned autos.
CR 00 21
Commercial Crime Coverage Form (Loss Sustained) Loss-sustained-form crime coverage.
CR 00 22
Commercial Crime Coverage Form (Discovery) Discovery-form crime coverage.
CR 00 23
Commercial Crime Coverage Form (Computer Fraud and Funds Transfer Fraud) Cyber-crime crime coverage.
Category

London Market Documents

The London market uses its own document conventions, distinct from U.S. ACORD/ISO. The Market Reform Contract (MRC) is the standardized slip format.

MRC
Market Reform Contract Standardized London market slip format. The contract document at Lloyd's and the company market.
LMA wordings
Lloyd's Market Association wordings Standard policy wordings developed by the LMA for market-wide use.
Cover note
Broker-issued cover note Evidence of placement in the London market, equivalent to a U.S. binder.
Premium advice note
Broker-issued premium advice Documentation of premium and broker remuneration on a London placement.
Endorsement / NCAD
Notice of Cancellation, Alteration, or Distance London market endorsement format.