{ "version": 1, "reviewed_at": "2026-08-24", "updated_at": "2026-09-07", "audience": "Licensed retail insurance professionals", "methodology": "Form numbers, titles, and edition references were taken from the official ACORD Forms Index during the full catalog review on 2026-08-24. A form-level source_reviewed_at records a later selective recheck when present. These pages explain form purpose and submission preparation, offer a narrow Hedge form-access request path, and route licensed users to ACORD for the electronic fillable PDF. Hedge does not host or redistribute ACORD files.", "download_access": { "provider": "ACORD", "portal_url": "https://formsportal.acord.org/FormsSearch", "hedge_request_path": "/request-acord-form", "format": "Electronic fillable PDF", "authentication": "ACORD account and an eligible Forms program are required", "hosting_boundary": "Hedge can help a licensed professional identify the current form and an authorized access path. The editable PDF remains available through ACORD's licensed portal; Hedge does not host or redistribute the ACORD file.", "request_boundary": "A Hedge form request does not create a risk submission, accept risk files, release an account, or authorize transmission to a market." }, "official_sources": [ { "label": "ACORD Forms Index", "url": "https://www.acord.org/docs/default-source/forms/forms_index.pdf" }, { "label": "ACORD Forms Portal", "url": "https://formsportal.acord.org/Home" }, { "label": "ACORD Forms Program", "url": "https://www.acord.org/forms-pages/acord-forms" }, { "label": "ACORD eForms", "url": "https://www.acord.org/forms-pages/eforms" } ], "form_guides": [ { "slug": "acord-125-commercial-insurance-application", "form_number": "125", "title": "Commercial Insurance Application Applicant Information Section", "search_title": "ACORD 125 Fillable PDF: Commercial Insurance Application | Hedge", "search_description": "ACORD 125 guide to applicant details, operations, locations, prior coverage, requested lines, edition checks, and the official fillable PDF source.", "search_terms": [ "ACORD 125 fillable", "ACORD 125 fillable PDF", "ACORD commercial insurance application" ], "edition_shown_in_index": "2025/03", "purpose": "The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.", "key_information": [ "Correct legal entity and DBA names", "Detailed operations and business description", "Locations and ownership structure", "Prior insurance and loss information", "Requested lines, limits, and effective date" ], "review_checks": [ "Use the edition accepted by the intended market", "Keep applicant facts consistent across every attached section", "Attach the line-specific sections and schedules that apply" ], "related_acord_forms": [ "126", "127", "130", "131", "140" ], "related_hedge_forms": [ "hedge-loss-and-claims-supplement", "hedge-schedule-of-locations-supplement" ], "path": "/insurance-form-guides/acord-125-commercial-insurance-application", "category": "Core application", "entity_name": "ACORD 125: Commercial Insurance Application Applicant Information Section", "direct_answer": "The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.", "questions_answered": [ "What is ACORD 125 used for?", "Where can I get the ACORD 125 fillable PDF?", "What information does ACORD 125 collect?", "Which edition of ACORD 125 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=125", "related_acord_form_paths": [ "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-130-workers-compensation-application", "/insurance-form-guides/acord-131-umbrella-section", "/insurance-form-guides/acord-140-property-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement", "/insurance-forms/hedge-schedule-of-locations-supplement" ] }, { "slug": "acord-126-commercial-general-liability-section", "form_number": "126", "title": "Commercial General Liability Section", "edition_shown_in_index": "2025/03", "purpose": "The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.", "key_information": [ "GL classifications and exposure bases", "Premises and operations detail", "Products and completed operations", "Requested limits and deductibles", "Additional insured and contract requirements" ], "review_checks": [ "Reconcile class descriptions with the actual operations narrative", "Explain subcontracted work and unusual hazards", "Include a class-specific supplemental when the operations need more detail" ], "related_acord_forms": [ "125", "131", "185", "186", "803" ], "related_hedge_forms": [ "hedge-contractors-supplemental", "hedge-roofing-contractors-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-126-commercial-general-liability-section", "category": "General liability", "entity_name": "ACORD 126: Commercial General Liability Section", "direct_answer": "The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.", "questions_answered": [ "What is ACORD 126 used for?", "Where can I get the ACORD 126 fillable PDF?", "What information does ACORD 126 collect?", "Which edition of ACORD 126 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=126", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-131-umbrella-section", "/insurance-form-guides/acord-185-restaurant-tavern-supplement", "/insurance-form-guides/acord-186-contractors-supplement", "/insurance-form-guides/acord-803-liquor-liability-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-roofing-contractors-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-127-business-auto-section", "form_number": "127", "title": "Business Auto Section", "edition_shown_in_index": "2015/12", "purpose": "The business auto section used to organize the requested auto coverage, vehicle use, operating radius, garaging, and other fleet-level information. Vehicle and driver schedules may be required with it.", "key_information": [ "Auto coverage requested", "Vehicle use and radius", "Garaging and operating territories", "Fleet ownership and leasing", "Hired and non-owned auto exposure" ], "review_checks": [ "Match vehicle counts to the attached schedule", "Confirm every state and operating radius", "Attach current driver and vehicle information" ], "related_acord_forms": [ "125", "129", "163", "131" ], "related_hedge_forms": [ "hedge-commercial-auto-and-trucking-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-127-business-auto-section", "category": "Commercial auto", "entity_name": "ACORD 127: Business Auto Section", "direct_answer": "The business auto section used to organize the requested auto coverage, vehicle use, operating radius, garaging, and other fleet-level information. Vehicle and driver schedules may be required with it.", "questions_answered": [ "What is ACORD 127 used for?", "Where can I get the ACORD 127 fillable PDF?", "What information does ACORD 127 collect?", "Which edition of ACORD 127 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=127", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule", "/insurance-form-guides/acord-131-umbrella-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-129-vehicle-schedule", "form_number": "129", "title": "Vehicle Schedule", "search_title": "ACORD 129 Vehicle Schedule Form Guide | Hedge", "search_description": "What ACORD 129 is used for, the vehicle details it organizes, common review checks, the indexed edition, and the official fillable PDF access path.", "search_terms": [ "ACORD 129", "ACORD vehicle schedule", "ACORD 129 fillable PDF", "vehicle schedule form" ], "edition_shown_in_index": "2009/11", "purpose": "ACORD 129 is the Vehicle Schedule used to list vehicles connected to a commercial auto submission. It organizes unit-level details such as identification, type, use, garaging, value, and requested physical damage treatment.", "key_information": [ "Year, make, model, and VIN", "Vehicle type and use", "Garaging location", "Cost new or stated value when applicable", "Requested physical damage coverage" ], "review_checks": [ "Validate VINs and unit counts", "Remove sold vehicles and identify newly acquired units", "Reconcile the schedule with loss runs and the auto application" ], "related_acord_forms": [ "127", "163" ], "related_hedge_forms": [ "hedge-commercial-auto-and-trucking-supplemental" ], "path": "/insurance-form-guides/acord-129-vehicle-schedule", "category": "Commercial auto", "entity_name": "ACORD 129: Vehicle Schedule", "direct_answer": "ACORD 129 is the Vehicle Schedule used to list vehicles connected to a commercial auto submission. It organizes unit-level details such as identification, type, use, garaging, value, and requested physical damage treatment.", "questions_answered": [ "What is ACORD 129 used for?", "Where can I get the ACORD 129 fillable PDF?", "What information does ACORD 129 collect?", "Which edition of ACORD 129 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=129", "related_acord_form_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-163-driver-information-schedule" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental" ] }, { "slug": "acord-130-workers-compensation-application", "form_number": "130", "title": "Workers Compensation Application", "edition_shown_in_index": "2026/01", "purpose": "The workers compensation application used to organize entities, locations, states, class codes, payroll, officer treatment, prior coverage, and experience information for workers compensation review.", "key_information": [ "Payroll by state and class code", "Employee duties and headcount", "Experience modification information", "Officer inclusion or exclusion", "Prior coverage and currently valued losses" ], "review_checks": [ "Confirm class codes reflect actual employee duties", "Reconcile payroll totals across entities and locations", "Explain lapses, new ventures, material losses, and subcontractor use" ], "related_acord_forms": [ "125", "611" ], "related_hedge_forms": [ "hedge-workers-compensation-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-130-workers-compensation-application", "category": "Workers compensation", "entity_name": "ACORD 130: Workers Compensation Application", "direct_answer": "The workers compensation application used to organize entities, locations, states, class codes, payroll, officer treatment, prior coverage, and experience information for workers compensation review.", "questions_answered": [ "What is ACORD 130 used for?", "Where can I get the ACORD 130 fillable PDF?", "What information does ACORD 130 collect?", "Which edition of ACORD 130 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=130", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-611-claims-history-loss-run-request" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-131-umbrella-section", "form_number": "131", "title": "Umbrella Section", "search_title": "ACORD 131 Fillable PDF: Umbrella Section Guide | Hedge", "search_description": "What ACORD 131 is used for, the umbrella and underlying-policy facts it collects, the indexed edition, and the official fillable PDF access path.", "search_terms": [ "ACORD 131 fillable", "ACORD 131 fillable PDF", "ACORD umbrella application", "umbrella ACORD form" ], "edition_shown_in_index": "2017/11", "purpose": "The umbrella section used to organize requested excess or umbrella limits, underlying policies, exposures, and loss information. The actual relationship to underlying coverage depends on the proposed form and terms.", "key_information": [ "Requested umbrella or excess limit", "Underlying policies and limits", "Operations and exposure schedules", "Prior umbrella coverage", "Relevant large-loss information" ], "review_checks": [ "Attach a complete underlying schedule", "Identify requested follow-form treatment and attachment points", "Reconcile the underlying carriers, limits, and effective dates" ], "related_acord_forms": [ "125", "126", "127", "140" ], "related_hedge_forms": [ "hedge-excess-and-umbrella-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-131-umbrella-section", "category": "Umbrella and excess", "entity_name": "ACORD 131: Umbrella Section", "direct_answer": "The umbrella section used to organize requested excess or umbrella limits, underlying policies, exposures, and loss information. The actual relationship to underlying coverage depends on the proposed form and terms.", "questions_answered": [ "What is ACORD 131 used for?", "Where can I get the ACORD 131 fillable PDF?", "What information does ACORD 131 collect?", "Which edition of ACORD 131 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=131", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-140-property-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-excess-and-umbrella-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-139-statement-schedule-of-values", "form_number": "139", "title": "Statement and Schedule of Values", "search_title": "ACORD 139 Statement of Values: Fillable PDF Guide | Hedge", "search_description": "What ACORD 139 is used for, the property values and location details it organizes, the indexed edition, and the official fillable PDF access path.", "search_terms": [ "ACORD statement of values", "ACORD SOV", "ACORD 139 fillable PDF" ], "edition_shown_in_index": "2015/12", "purpose": "A structured schedule for property values by location or item. Markets may also request a spreadsheet statement of values with additional construction, occupancy, protection, and catastrophe fields.", "key_information": [ "Location and building identifiers", "Building and business personal property values", "Business income values", "Construction and occupancy", "Deductible and valuation information" ], "review_checks": [ "Confirm values reconcile to the requested limits", "Use one consistent location identifier across the packet", "Add roof, protection, and catastrophe fields when requested" ], "related_acord_forms": [ "125", "140", "147" ], "related_hedge_forms": [ "hedge-schedule-of-locations-supplement" ], "path": "/insurance-form-guides/acord-139-statement-schedule-of-values", "category": "Property and inland marine", "entity_name": "ACORD 139: Statement and Schedule of Values", "direct_answer": "A structured schedule for property values by location or item. Markets may also request a spreadsheet statement of values with additional construction, occupancy, protection, and catastrophe fields.", "questions_answered": [ "What is ACORD 139 used for?", "Where can I get the ACORD 139 fillable PDF?", "What information does ACORD 139 collect?", "Which edition of ACORD 139 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=139", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section", "/insurance-form-guides/acord-147-installation-builders-risk-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement" ] }, { "slug": "acord-140-property-section", "form_number": "140", "title": "Property Section", "search_title": "ACORD 140 Fillable PDF: Commercial Property Guide | Hedge", "search_description": "What ACORD 140 is used for, the property details and values it collects, the indexed edition, and where licensed agents can request the fillable PDF.", "search_terms": [ "ACORD 140 fillable", "ACORD 140 fillable PDF", "fillable ACORD 140", "ACORD 140 PDF" ], "edition_shown_in_index": "2016/03", "purpose": "The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.", "key_information": [ "Premises and building details", "Construction, occupancy, protection, and exposure", "Building, contents, and business income values", "Valuation and causes of loss", "Requested deductibles and extensions" ], "review_checks": [ "Attach a current statement of values for multiple locations", "Explain roof and major system updates", "Identify vacancy, renovation, coastal, wildfire, flood, and other catastrophe conditions" ], "related_acord_forms": [ "125", "139", "147", "152" ], "related_hedge_forms": [ "hedge-schedule-of-locations-supplement", "hedge-habitational-and-apartment-supplemental", "hedge-vacant-building-and-land-supplemental" ], "path": "/insurance-form-guides/acord-140-property-section", "category": "Property and inland marine", "entity_name": "ACORD 140: Property Section", "direct_answer": "The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.", "questions_answered": [ "What is ACORD 140 used for?", "Where can I get the ACORD 140 fillable PDF?", "What information does ACORD 140 collect?", "Which edition of ACORD 140 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=140", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-139-statement-schedule-of-values", "/insurance-form-guides/acord-147-installation-builders-risk-section", "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-habitational-and-apartment-supplemental", "/insurance-forms/hedge-vacant-building-and-land-supplemental" ] }, { "slug": "acord-147-installation-builders-risk-section", "form_number": "147", "title": "Installation and Builders Risk Section", "edition_shown_in_index": "2016/03", "purpose": "The section used to organize installation or builders risk project information, including the project, values, parties, site, construction, schedule, and requested coverage structure.", "key_information": [ "Project description and location", "Existing structure and completed values", "Hard costs, soft costs, and delay exposures", "Construction type and protection", "Start date and completion schedule" ], "review_checks": [ "Separate renovation values from existing structure values", "Identify work already completed", "Explain security, water damage, wind, wildfire, and theft controls" ], "related_acord_forms": [ "125", "140", "152", "186" ], "related_hedge_forms": [ "hedge-builders-risk-supplemental", "hedge-contractors-supplemental" ], "path": "/insurance-form-guides/acord-147-installation-builders-risk-section", "category": "Property and inland marine", "entity_name": "ACORD 147: Installation and Builders Risk Section", "direct_answer": "The section used to organize installation or builders risk project information, including the project, values, parties, site, construction, schedule, and requested coverage structure.", "questions_answered": [ "What is ACORD 147 used for?", "Where can I get the ACORD 147 fillable PDF?", "What information does ACORD 147 collect?", "Which edition of ACORD 147 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=147", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section", "/insurance-form-guides/acord-152-commercial-inland-marine-section", "/insurance-form-guides/acord-186-contractors-supplement" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-builders-risk-supplemental", "/insurance-forms/hedge-contractors-supplemental" ] }, { "slug": "acord-152-commercial-inland-marine-section", "form_number": "152", "title": "Commercial Inland Marine Section", "search_title": "ACORD 152 Fillable PDF: Inland Marine Guide | Hedge", "search_description": "What ACORD 152 is used for, the movable property and transit details it collects, the indexed edition, and the official fillable PDF access path.", "search_terms": [ "ACORD 152 fillable", "ACORD 152 fillable PDF", "inland marine ACORD form", "inland marine ACORD application" ], "edition_shown_in_index": "2015/06", "purpose": "The commercial inland marine section used to organize movable property, equipment, property in transit, installation interests, or another inland marine exposure identified in the submission.", "key_information": [ "Property or equipment description", "Values and maximum concentration", "Transit, storage, and territory", "Security and loss controls", "Requested valuation and deductible" ], "review_checks": [ "Name the exact property and exposure instead of using a broad label", "Separate owned property from property of others", "Explain transit, unattended vehicle, theft, and catastrophe conditions" ], "related_acord_forms": [ "125", "140", "147" ], "related_hedge_forms": [ "hedge-schedule-of-locations-supplement", "hedge-contractors-supplemental" ], "path": "/insurance-form-guides/acord-152-commercial-inland-marine-section", "category": "Property and inland marine", "entity_name": "ACORD 152: Commercial Inland Marine Section", "direct_answer": "The commercial inland marine section used to organize movable property, equipment, property in transit, installation interests, or another inland marine exposure identified in the submission.", "questions_answered": [ "What is ACORD 152 used for?", "Where can I get the ACORD 152 fillable PDF?", "What information does ACORD 152 collect?", "Which edition of ACORD 152 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=152", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section", "/insurance-form-guides/acord-147-installation-builders-risk-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-contractors-supplemental" ] }, { "slug": "acord-163-driver-information-schedule", "form_number": "163", "title": "Commercial Auto Driver Information Schedule", "edition_shown_in_index": "2012/06", "purpose": "A schedule for driver-level information connected to a commercial auto submission. It supports review of driver eligibility, experience, vehicle assignment, and motor vehicle record history.", "key_information": [ "Driver name and license information", "Date of birth and experience", "License state and class", "Vehicle assignment", "Accident and violation information" ], "review_checks": [ "Include every regular and permissive driver requested by the market", "Confirm license details before submission", "Reconcile driver counts with the operation and vehicle schedule" ], "related_acord_forms": [ "127", "129" ], "related_hedge_forms": [ "hedge-commercial-auto-and-trucking-supplemental" ], "path": "/insurance-form-guides/acord-163-driver-information-schedule", "category": "Commercial auto", "entity_name": "ACORD 163: Commercial Auto Driver Information Schedule", "direct_answer": "A schedule for driver-level information connected to a commercial auto submission. It supports review of driver eligibility, experience, vehicle assignment, and motor vehicle record history.", "questions_answered": [ "What is ACORD 163 used for?", "Where can I get the ACORD 163 fillable PDF?", "What information does ACORD 163 collect?", "Which edition of ACORD 163 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=163", "related_acord_form_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental" ] }, { "slug": "acord-180-technology-eo-section", "form_number": "180", "title": "Technology E&O Section", "search_title": "ACORD 180 Technology E&O Form Guide | Hedge", "search_description": "What ACORD 180 asks about technology products, services, customers, contracts, controls, and E&O claims, plus where licensed agents can request the form.", "search_terms": [ "technology E&O ACORD form", "ACORD technology errors and omissions", "ACORD 180 fillable PDF" ], "source_reviewed_at": "2026-08-29", "edition_shown_in_index": "2016/03", "purpose": "The technology E&O section used to describe technology products and services, customers, contracts, revenue, controls, and professional liability exposures for technology-related operations.", "key_information": [ "Technology products and services", "Revenue by service and customer type", "Contract terms and limitation of liability", "Quality assurance and change controls", "Prior claims and known circumstances" ], "review_checks": [ "Separate technology E&O exposure from cyber privacy exposure", "Attach representative customer contracts when requested", "Explain mission-critical, financial, healthcare, and security-related services" ], "related_acord_forms": [ "125", "832", "834" ], "related_hedge_forms": [ "hedge-cyber-and-technology-e-and-o-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-180-technology-eo-section", "category": "Professional and management", "entity_name": "ACORD 180: Technology E&O Section", "direct_answer": "The technology E&O section used to describe technology products and services, customers, contracts, revenue, controls, and professional liability exposures for technology-related operations.", "questions_answered": [ "What is ACORD 180 used for?", "Where can I get the ACORD 180 fillable PDF?", "What information does ACORD 180 collect?", "Which edition of ACORD 180 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=180", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-832-miscellaneous-eo-section", "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-185-restaurant-tavern-supplement", "form_number": "185", "title": "Restaurant and Tavern Supplement", "edition_shown_in_index": "2011/09", "purpose": "A restaurant and tavern supplement used to organize food, alcohol, entertainment, hours, cooking, delivery, security, and other hospitality exposures.", "key_information": [ "Food and alcohol sales", "Hours and closing time", "Entertainment and dancing", "Cooking and fire protection", "Security, delivery, and prior incidents" ], "review_checks": [ "Separate liquor sales from total receipts", "Describe late-night and entertainment operations", "Include liquor liability detail when alcohol exposure is material" ], "related_acord_forms": [ "125", "126", "803" ], "related_hedge_forms": [ "hedge-restaurant-bar-and-tavern-supplemental", "hedge-liquor-liability-supplemental" ], "path": "/insurance-form-guides/acord-185-restaurant-tavern-supplement", "category": "General liability", "entity_name": "ACORD 185: Restaurant and Tavern Supplement", "direct_answer": "A restaurant and tavern supplement used to organize food, alcohol, entertainment, hours, cooking, delivery, security, and other hospitality exposures.", "questions_answered": [ "What is ACORD 185 used for?", "Where can I get the ACORD 185 fillable PDF?", "What information does ACORD 185 collect?", "Which edition of ACORD 185 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=185", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-803-liquor-liability-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental" ] }, { "slug": "acord-186-contractors-supplement", "form_number": "186", "title": "Contractors Supplement", "edition_shown_in_index": "2011/10", "purpose": "A contractors supplement used to describe trade, project mix, payroll, subcontracting, height, depth, residential work, prior projects, and other contracting exposures.", "key_information": [ "Exact trades and operations", "Revenue, payroll, and subcontractor cost", "Residential and commercial mix", "Maximum height and depth", "Subcontractor controls and contracts" ], "review_checks": [ "Avoid a generic contractor description", "Explain work performed by employees versus subcontractors", "Identify excluded, unusual, structural, or catastrophe-exposed work" ], "related_acord_forms": [ "125", "126", "130", "147" ], "related_hedge_forms": [ "hedge-contractors-supplemental", "hedge-roofing-contractors-supplemental", "hedge-workers-compensation-supplemental" ], "path": "/insurance-form-guides/acord-186-contractors-supplement", "category": "General liability", "entity_name": "ACORD 186: Contractors Supplement", "direct_answer": "A contractors supplement used to describe trade, project mix, payroll, subcontracting, height, depth, residential work, prior projects, and other contracting exposures.", "questions_answered": [ "What is ACORD 186 used for?", "Where can I get the ACORD 186 fillable PDF?", "What information does ACORD 186 collect?", "Which edition of ACORD 186 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=186", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-130-workers-compensation-application", "/insurance-form-guides/acord-147-installation-builders-risk-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-roofing-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental" ] }, { "slug": "acord-196-medical-professional-liability-application", "form_number": "196", "title": "Medical Professional Liability Insurance Application", "search_title": "ACORD 196 Medical Professional Liability Form | Hedge", "search_description": "What ACORD 196 asks about medical professional services, credentials, procedures, staffing, locations, and claims, with current ACORD edition guidance.", "search_terms": [ "professional liability ACORD form", "medical professional liability ACORD application", "ACORD 196" ], "source_reviewed_at": "2026-08-29", "edition_shown_in_index": "2013/09", "purpose": "A medical professional liability application identified in the ACORD index. Current markets may use newer carrier or program applications, so the intended market must confirm the acceptable form and edition.", "key_information": [ "Professional services and procedures", "Provider credentials and specialties", "Patient population and locations", "Staffing and supervision", "Prior claims and known incidents" ], "review_checks": [ "Confirm the intended market's accepted application", "Keep protected health information out of public URLs and resources", "Explain higher-hazard procedures and staffing arrangements" ], "related_acord_forms": [ "125", "611" ], "related_hedge_forms": [ "hedge-allied-health-and-medical-professional-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-196-medical-professional-liability-application", "category": "Professional and management", "entity_name": "ACORD 196: Medical Professional Liability Insurance Application", "direct_answer": "A medical professional liability application identified in the ACORD index. Current markets may use newer carrier or program applications, so the intended market must confirm the acceptable form and edition.", "questions_answered": [ "What is ACORD 196 used for?", "Where can I get the ACORD 196 fillable PDF?", "What information does ACORD 196 collect?", "Which edition of ACORD 196 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=196", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-611-claims-history-loss-run-request" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-611-claims-history-loss-run-request", "form_number": "611", "title": "Claims History and Loss Run Request", "edition_shown_in_index": "2015/07", "purpose": "A request form for claims history or loss runs. The resulting carrier-issued loss information, valuation date, coverage period, and open-claim detail matter more than the request form by itself.", "key_information": [ "Correct named insured and policy numbers", "Carrier and policy periods", "Requested lines of business", "Authorization information", "Delivery contact and requested period" ], "review_checks": [ "Request all relevant entities and policy periods", "Confirm loss runs are currently valued", "Explain material open, reserved, or recently closed claims separately" ], "related_acord_forms": [ "125", "130", "196" ], "related_hedge_forms": [ "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-611-claims-history-loss-run-request", "category": "Claims and loss history", "entity_name": "ACORD 611: Claims History and Loss Run Request", "direct_answer": "A request form for claims history or loss runs. The resulting carrier-issued loss information, valuation date, coverage period, and open-claim detail matter more than the request form by itself.", "questions_answered": [ "What is ACORD 611 used for?", "Where can I get the ACORD 611 fillable PDF?", "What information does ACORD 611 collect?", "Which edition of ACORD 611 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=611", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-130-workers-compensation-application", "/insurance-form-guides/acord-196-medical-professional-liability-application" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-803-liquor-liability-section", "form_number": "803", "title": "Liquor Liability Section", "edition_shown_in_index": "2016/03", "purpose": "The liquor liability section used to organize alcohol sales, service, hours, training, entertainment, security, incidents, and requested liquor liability terms.", "key_information": [ "Alcohol sales and service mix", "Hours and closing time", "Server training and ID controls", "Entertainment and security", "Prior liquor-related incidents or claims" ], "review_checks": [ "Use actual alcohol receipts and total receipts", "Describe off-premises, catering, and event service", "Explain late-night, dancing, security, and prior incident conditions" ], "related_acord_forms": [ "125", "126", "185" ], "related_hedge_forms": [ "hedge-liquor-liability-supplemental", "hedge-restaurant-bar-and-tavern-supplemental" ], "path": "/insurance-form-guides/acord-803-liquor-liability-section", "category": "General liability", "entity_name": "ACORD 803: Liquor Liability Section", "direct_answer": "The liquor liability section used to organize alcohol sales, service, hours, training, entertainment, security, incidents, and requested liquor liability terms.", "questions_answered": [ "What is ACORD 803 used for?", "Where can I get the ACORD 803 fillable PDF?", "What information does ACORD 803 collect?", "Which edition of ACORD 803 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=803", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-185-restaurant-tavern-supplement" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental" ] }, { "slug": "acord-807-directors-officers-liability-section", "form_number": "807", "title": "Directors and Officers Liability Section", "edition_shown_in_index": "2016/03", "purpose": "The directors and officers liability section used to organize ownership, governance, financial condition, transactions, prior coverage, claims, and requested management liability terms.", "key_information": [ "Ownership and governance", "Financial condition and funding", "Subsidiaries and acquisitions", "Prior coverage and continuity", "Claims and known circumstances" ], "review_checks": [ "Identify the exact entities and insured-person structure", "Attach financial information requested by the market", "Explain transactions, layoffs, disputes, and distressed conditions" ], "related_acord_forms": [ "125", "825", "827" ], "related_hedge_forms": [ "hedge-management-liability-d-and-o-epl-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-807-directors-officers-liability-section", "category": "Professional and management", "entity_name": "ACORD 807: Directors and Officers Liability Section", "direct_answer": "The directors and officers liability section used to organize ownership, governance, financial condition, transactions, prior coverage, claims, and requested management liability terms.", "questions_answered": [ "What is ACORD 807 used for?", "Where can I get the ACORD 807 fillable PDF?", "What information does ACORD 807 collect?", "Which edition of ACORD 807 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=807", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-825-professional-specialty-applicant-section", "form_number": "825", "title": "Professional and Specialty Insurance Applicant Section", "search_title": "ACORD 825 Professional Liability Applicant Form | Hedge", "search_description": "How ACORD 825 supports professional and management liability applications, what applicant facts it collects, and which line-specific sections follow it.", "search_terms": [ "professional liability applicant form", "ACORD 825", "ACORD 825 fillable PDF" ], "source_reviewed_at": "2026-08-29", "edition_shown_in_index": "2016/05", "purpose": "The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.", "key_information": [ "Applicant entities and ownership", "Business and professional services", "Financial and employee information", "Prior insurance and continuity", "Claims and known circumstances" ], "review_checks": [ "Attach the correct line-specific professional section", "Keep entity and revenue information consistent", "Explain prior acts, continuity, and known circumstances" ], "related_acord_forms": [ "125", "180", "807", "827", "832", "834" ], "related_hedge_forms": [ "hedge-management-liability-d-and-o-epl-supplemental", "hedge-miscellaneous-professional-liability-supplemental" ], "path": "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "category": "Professional and management", "entity_name": "ACORD 825: Professional and Specialty Insurance Applicant Section", "direct_answer": "The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.", "questions_answered": [ "What is ACORD 825 used for?", "Where can I get the ACORD 825 fillable PDF?", "What information does ACORD 825 collect?", "Which edition of ACORD 825 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=825", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-180-technology-eo-section", "/insurance-form-guides/acord-807-directors-officers-liability-section", "/insurance-form-guides/acord-827-employment-practices-liability-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section", "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental" ] }, { "slug": "acord-827-employment-practices-liability-section", "form_number": "827", "title": "Employment Practices Liability Insurance Section", "edition_shown_in_index": "2016/03", "purpose": "The employment practices liability section used to describe workforce, locations, human-resources controls, layoffs, complaints, claims, and requested EPL coverage.", "key_information": [ "Employee counts by location and type", "Human-resources policies and training", "Turnover, layoffs, and reductions", "Prior complaints, charges, and claims", "Third-party and wage-and-hour exposure" ], "review_checks": [ "Reconcile employee counts with payroll and entity records", "Explain recent or planned workforce changes", "Identify prior notices, demands, charges, and known circumstances" ], "related_acord_forms": [ "125", "807", "825" ], "related_hedge_forms": [ "hedge-management-liability-d-and-o-epl-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-827-employment-practices-liability-section", "category": "Professional and management", "entity_name": "ACORD 827: Employment Practices Liability Insurance Section", "direct_answer": "The employment practices liability section used to describe workforce, locations, human-resources controls, layoffs, complaints, claims, and requested EPL coverage.", "questions_answered": [ "What is ACORD 827 used for?", "Where can I get the ACORD 827 fillable PDF?", "What information does ACORD 827 collect?", "Which edition of ACORD 827 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=827", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-807-directors-officers-liability-section", "/insurance-form-guides/acord-825-professional-specialty-applicant-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-832-miscellaneous-eo-section", "form_number": "832", "title": "Miscellaneous E&O Section", "search_title": "ACORD 832 Miscellaneous E&O Form Guide | Hedge", "search_description": "What ACORD 832 asks about professional services, clients, contracts, fees, qualifications, controls, prior insurance, and E&O claims.", "search_terms": [ "miscellaneous E&O ACORD form", "ACORD E&O form", "ACORD 832" ], "source_reviewed_at": "2026-08-29", "edition_shown_in_index": "2016/03", "purpose": "The miscellaneous E&O section used to describe professional services, client types, contracts, fees, qualifications, controls, prior insurance, and claims for a professional liability risk.", "key_information": [ "Exact professional services", "Revenue by service and client type", "Contracts and limitation of liability", "Qualifications and quality controls", "Claims and known circumstances" ], "review_checks": [ "Avoid broad labels such as consultant without service detail", "Attach representative contracts when requested", "Explain work for high-severity clients and any subcontracted professional services" ], "related_acord_forms": [ "125", "180", "825", "834" ], "related_hedge_forms": [ "hedge-miscellaneous-professional-liability-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-832-miscellaneous-eo-section", "category": "Professional and management", "entity_name": "ACORD 832: Miscellaneous E&O Section", "direct_answer": "The miscellaneous E&O section used to describe professional services, client types, contracts, fees, qualifications, controls, prior insurance, and claims for a professional liability risk.", "questions_answered": [ "What is ACORD 832 used for?", "Where can I get the ACORD 832 fillable PDF?", "What information does ACORD 832 collect?", "Which edition of ACORD 832 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=832", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-180-technology-eo-section", "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "acord-834-cyber-and-privacy-coverage-section", "form_number": "834", "title": "Cyber and Privacy Coverage Section", "edition_shown_in_index": "2014/12", "purpose": "The cyber and privacy coverage section used to describe data, systems, security controls, prior incidents, dependent services, and requested cyber coverage.", "key_information": [ "Records and sensitive data handled", "Security controls and access management", "Backups and incident response", "Third-party technology dependencies", "Prior incidents, claims, and known events" ], "review_checks": [ "Separate cyber coverage from technology E&O", "Use current security-control facts", "Do not place credentials, protected information, or incident evidence in public URLs" ], "related_acord_forms": [ "125", "180", "825", "832" ], "related_hedge_forms": [ "hedge-cyber-and-technology-e-and-o-supplemental", "hedge-loss-and-claims-supplement" ], "path": "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "category": "Professional and management", "entity_name": "ACORD 834: Cyber and Privacy Coverage Section", "direct_answer": "The cyber and privacy coverage section used to describe data, systems, security controls, prior incidents, dependent services, and requested cyber coverage.", "questions_answered": [ "What is ACORD 834 used for?", "Where can I get the ACORD 834 fillable PDF?", "What information does ACORD 834 collect?", "Which edition of ACORD 834 should I use?" ], "official_fillable_pdf_source": "https://formsportal.acord.org/FormsSearch", "hedge_form_request_path": "/request-acord-form?form=834", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-180-technology-eo-section", "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] } ], "guide_count": 34, "authority_boundary": "Hedge explains form purposes, offers licensed professionals a narrow form-access request path, and links to each publisher's official source. A request is not a risk submission and does not release material to a market. Hedge does not host or redistribute ACORD, ISO, carrier, NCCI, or government files. Confirm the accepted edition, jurisdiction, policy, related forms, licensing, and actual insurer requirements through authorized sources.", "third_party_form_guides": [ { "slug": "iso-cg-00-01-commercial-general-liability-coverage-form", "request_id": "ISO-CG-00-01", "publisher": "Verisk ISO", "publisher_url": "https://www.verisk.com/insurance/", "family": "ISO policy forms", "category": "General liability", "form_number": "CG 00 01", "title": "Commercial General Liability Coverage Form", "search_title": "ISO CG 00 01 Commercial General Liability Form | Hedge", "edition_guidance": "Edition and state filing vary by insurer and jurisdiction", "purpose": "The core ISO commercial general liability coverage form commonly used to structure occurrence-based premises, operations, products-completed operations, personal and advertising injury, and medical payments coverage, subject to its terms, exclusions, conditions, declarations, and endorsements.", "key_information": [ "Named insured and business description", "Policy period and limits", "Classification and exposure basis", "Products and completed operations exposure", "Attached exclusions, conditions, and endorsements" ], "review_checks": [ "Confirm the exact edition and state filing on the proposed or issued policy", "Read the declarations and every attached endorsement together with the coverage form", "Do not treat a form-number reference as a coverage opinion" ], "official_source_label": "Verisk ISO Forms, Rules, and Loss Costs", "official_source_url": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "access_type": "Licensed publisher source", "access_note": "Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.", "related_acord_forms": [ "125", "126" ], "related_hedge_forms": [ "hedge-loss-and-claims-supplement" ], "related_third_party_forms": [ "iso-cg-20-10-additional-insured-ongoing-operations", "iso-cg-20-37-additional-insured-completed-operations" ], "path": "/insurance-form-guides/iso-cg-00-01-commercial-general-liability-coverage-form", "entity_name": "ISO CG 00 01: Commercial General Liability Coverage Form", "direct_answer": "The core ISO commercial general liability coverage form commonly used to structure occurrence-based premises, operations, products-completed operations, personal and advertising injury, and medical payments coverage, subject to its terms, exclusions, conditions, declarations, and endorsements.", "questions_answered": [ "What is ISO CG 00 01 used for?", "Where can I get the current ISO CG 00 01 form?", "Which edition of ISO CG 00 01 should I use?", "Does Hedge host the ISO CG 00 01 file?" ], "official_form_source": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "hedge_form_request_path": "/request-acord-form?form=ISO-CG-00-01", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cg-20-10-additional-insured-ongoing-operations", "/insurance-form-guides/iso-cg-20-37-additional-insured-completed-operations" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "iso-cg-20-10-additional-insured-ongoing-operations", "request_id": "ISO-CG-20-10", "publisher": "Verisk ISO", "publisher_url": "https://www.verisk.com/insurance/", "family": "ISO policy forms", "category": "General liability", "form_number": "CG 20 10", "title": "Additional Insured Owners, Lessees or Contractors Scheduled Person or Organization", "search_title": "ISO CG 20 10 Ongoing Operations Endorsement | Hedge", "edition_guidance": "Edition and state filing vary by insurer and jurisdiction", "purpose": "An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's ongoing operations, subject to the exact edition, schedule, policy, and attached limitations.", "practical_context": "CG 20 10 is commonly discussed while the named insured's work is still in progress. The schedule, contract, project, and exact edition matter because the endorsement is not a generic certificate instruction. A certificate can report that an endorsement exists, but the issued endorsement and policy control the actual insurance contract.", "common_confusions": [ "Ongoing operations is not the same time period as completed operations", "A certificate of insurance does not replace the issued endorsement", "Scheduled wording is not automatically blanket additional insured wording" ], "key_information": [ "Scheduled additional insured name", "Project or location when required", "Named insured operations", "Written contract requirements", "Policy limits and related endorsements" ], "review_checks": [ "Compare the requested wording with the actual issued endorsement", "Confirm that names, project, and location information are exact", "Review the edition because wording and scope differ across editions" ], "edition_checks": [ "Record the full endorsement identifier and edition date shown in the contract requirement and on the issued form; CG 20 10 by itself is incomplete version information", "Do not assume an older edition, a newer edition, a carrier manuscript form, or equivalent wording provides the same scope", "Confirm the insurer and state filing permit the requested edition or approved equivalent for the policy and jurisdiction", "Read the endorsement with the declarations, underlying CGL coverage form, schedule, and every limitation or modifying endorsement" ], "decision_steps": [ "Is the contract asking for additional insured status during work, after completion, or both?", "Does the requirement identify CG 20 10, an edition date, a scheduled party, or acceptable equivalent wording?", "Is the person or organization named exactly on the issued endorsement and tied to the correct project, location, or operation?", "If completed operations are required, is a separate completed-operations endorsement such as CG 20 37 actually issued?", "Are primary and noncontributory status, waiver of subrogation, limits, notice, and duration separate requirements that need separate evidence?", "Does the issued policy contain exclusions or restrictions that change the promised additional insured result?" ], "form_relationships": [ { "name": "CG 20 10", "role": "Scheduled additional insured endorsement associated with the named insured's ongoing operations, subject to the exact edition, schedule, policy, and limitations." }, { "name": "CG 20 37", "role": "A separate scheduled additional insured endorsement associated with completed operations. It should not be inferred from the presence of CG 20 10." }, { "name": "Certificate or verification form", "role": "Evidence or a summary of policy information. It does not replace, amend, or expand the issued endorsement and policy." }, { "name": "Contract requirement", "role": "The commercial promise to procure specified insurance. Whether the issued policy satisfies that promise requires contract and policy review." } ], "additional_sources": [ { "label": "Verisk ISO Forms Library", "url": "https://core.verisk.com/Forms/Forms-Preview", "supports": "Licensed access, form metadata, comparison, filing, and related circular workflow" }, { "label": "New York DFS approved ACORD 855 NY addendum", "url": "https://www.dfs.ny.gov/apps_and_licensing/insurance_companies/certificates_approved/acord_855_ny_2014_05", "supports": "Official example distinguishing additional insured endorsement identifiers while stating that the actual policy controls coverage" } ], "official_source_label": "Verisk ISO Forms, Rules, and Loss Costs", "official_source_url": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "access_type": "Licensed publisher source", "access_note": "Use the insurer-issued endorsement or authorized Verisk access. Hedge does not publish the ISO file.", "related_acord_forms": [ "125", "126" ], "related_hedge_forms": [ "hedge-contractors-supplemental" ], "related_third_party_forms": [ "iso-cg-00-01-commercial-general-liability-coverage-form", "iso-cg-20-37-additional-insured-completed-operations" ], "path": "/insurance-form-guides/iso-cg-20-10-additional-insured-ongoing-operations", "entity_name": "ISO CG 20 10: Additional Insured Owners, Lessees or Contractors Scheduled Person or Organization", "direct_answer": "An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's ongoing operations, subject to the exact edition, schedule, policy, and attached limitations.", "questions_answered": [ "What is ISO CG 20 10 used for?", "Where can I get the current ISO CG 20 10 form?", "Which edition of ISO CG 20 10 should I use?", "Does Hedge host the ISO CG 20 10 file?" ], "official_form_source": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "hedge_form_request_path": "/request-acord-form?form=ISO-CG-20-10", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cg-00-01-commercial-general-liability-coverage-form", "/insurance-form-guides/iso-cg-20-37-additional-insured-completed-operations" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental" ] }, { "slug": "iso-cg-20-37-additional-insured-completed-operations", "request_id": "ISO-CG-20-37", "publisher": "Verisk ISO", "publisher_url": "https://www.verisk.com/insurance/", "family": "ISO policy forms", "category": "General liability", "form_number": "CG 20 37", "title": "Additional Insured Owners, Lessees or Contractors Completed Operations", "search_title": "ISO CG 20 37 Completed Operations Endorsement | Hedge", "edition_guidance": "Edition and state filing vary by insurer and jurisdiction", "purpose": "An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's completed operations, subject to the exact edition, schedule, policy, and attached limitations.", "practical_context": "CG 20 37 is commonly requested for the period after the named insured's operations have been completed. It is often discussed alongside an ongoing-operations endorsement, but the two references address different stages of the work. The completed project, contractual requirement, schedule, and policy dates should be reconciled before anyone describes the endorsement as satisfying a contract.", "common_confusions": [ "Completed operations is distinct from work that is still underway", "The endorsement does not automatically extend every contractual promise", "A scheduled person or organization must be identified accurately on the issued form" ], "key_information": [ "Scheduled additional insured name", "Completed project or operation", "Location information when required", "Written contract requirements", "Completed operations coverage period" ], "review_checks": [ "Confirm the endorsement was actually issued and scheduled correctly", "Distinguish completed operations from ongoing operations requirements", "Read the edition, policy, and other endorsements together" ], "official_source_label": "Verisk ISO Forms, Rules, and Loss Costs", "official_source_url": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "access_type": "Licensed publisher source", "access_note": "Use the insurer-issued endorsement or authorized Verisk access. Hedge does not publish the ISO file.", "related_acord_forms": [ "125", "126" ], "related_hedge_forms": [ "hedge-contractors-supplemental" ], "related_third_party_forms": [ "iso-cg-00-01-commercial-general-liability-coverage-form", "iso-cg-20-10-additional-insured-ongoing-operations" ], "path": "/insurance-form-guides/iso-cg-20-37-additional-insured-completed-operations", "entity_name": "ISO CG 20 37: Additional Insured Owners, Lessees or Contractors Completed Operations", "direct_answer": "An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's completed operations, subject to the exact edition, schedule, policy, and attached limitations.", "questions_answered": [ "What is ISO CG 20 37 used for?", "Where can I get the current ISO CG 20 37 form?", "Which edition of ISO CG 20 37 should I use?", "Does Hedge host the ISO CG 20 37 file?" ], "official_form_source": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "hedge_form_request_path": "/request-acord-form?form=ISO-CG-20-37", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cg-00-01-commercial-general-liability-coverage-form", "/insurance-form-guides/iso-cg-20-10-additional-insured-ongoing-operations" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental" ] }, { "slug": "iso-cp-00-10-building-personal-property-coverage-form", "request_id": "ISO-CP-00-10", "publisher": "Verisk ISO", "publisher_url": "https://www.verisk.com/insurance/", "family": "ISO policy forms", "category": "Commercial property", "form_number": "CP 00 10", "title": "Building and Personal Property Coverage Form", "search_title": "ISO CP 00 10 Building and Personal Property Form | Hedge", "edition_guidance": "Edition and state filing vary by insurer and jurisdiction", "purpose": "A core ISO commercial property coverage form commonly used to describe covered building property, business personal property, property of others, additional coverages, coverage extensions, limits, and conditions when attached to a commercial property policy.", "practical_context": "CP 00 10 helps define which categories of commercial property are covered at the described premises and how core property provisions operate. The declarations supply location-level limits and other selections. A separate causes of loss form identifies the covered cause-of-loss structure, so CP 00 10 should not be read as a complete answer about what events are insured.", "common_confusions": [ "The coverage form is not the same document as the causes of loss form", "A statement of values supports underwriting but does not replace the declarations", "Building, business personal property, and property of others are separate interests" ], "key_information": [ "Covered premises and building description", "Building and business personal property limits", "Property of others", "Valuation and coinsurance", "Causes of loss form and attached endorsements" ], "review_checks": [ "Match every location and limit to the declarations and statement of values", "Confirm the applicable causes of loss form", "Review exclusions, valuation provisions, deductibles, and endorsements" ], "official_source_label": "Verisk ISO Forms, Rules, and Loss Costs", "official_source_url": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "access_type": "Licensed publisher source", "access_note": "Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.", "related_acord_forms": [ "125", "139", "140" ], "related_hedge_forms": [ "hedge-schedule-of-locations-supplement" ], "related_third_party_forms": [ "iso-cp-10-30-causes-of-loss-special-form" ], "path": "/insurance-form-guides/iso-cp-00-10-building-personal-property-coverage-form", "entity_name": "ISO CP 00 10: Building and Personal Property Coverage Form", "direct_answer": "A core ISO commercial property coverage form commonly used to describe covered building property, business personal property, property of others, additional coverages, coverage extensions, limits, and conditions when attached to a commercial property policy.", "questions_answered": [ "What is ISO CP 00 10 used for?", "Where can I get the current ISO CP 00 10 form?", "Which edition of ISO CP 00 10 should I use?", "Does Hedge host the ISO CP 00 10 file?" ], "official_form_source": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "hedge_form_request_path": "/request-acord-form?form=ISO-CP-00-10", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-139-statement-schedule-of-values", "/insurance-form-guides/acord-140-property-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cp-10-30-causes-of-loss-special-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement" ] }, { "slug": "iso-cp-10-30-causes-of-loss-special-form", "request_id": "ISO-CP-10-30", "publisher": "Verisk ISO", "publisher_url": "https://www.verisk.com/insurance/", "family": "ISO policy forms", "category": "Commercial property", "form_number": "CP 10 30", "title": "Causes of Loss Special Form", "search_title": "ISO CP 10 30 Causes of Loss Special Form | Hedge", "edition_guidance": "Edition and state filing vary by insurer and jurisdiction", "purpose": "An ISO commercial property causes of loss form commonly used to provide special-form protection for direct physical loss unless the cause is excluded or limited, subject to the complete policy and endorsements.", "practical_context": "CP 10 30 addresses the cause-of-loss structure rather than identifying the insured premises or property limits. The special form is often described using open-peril shorthand, but that shorthand is incomplete without the exclusions, limitations, deductible, protective safeguards, and endorsements attached to the policy. It should be read with the applicable property coverage form and declarations.", "common_confusions": [ "Special form does not mean every type of loss is covered", "The causes of loss form does not establish the property's insured value", "Water, theft, collapse, ordinance, and catastrophe treatment may depend on separate provisions" ], "key_information": [ "Covered location and property", "Applicable deductible", "Excluded and limited causes of loss", "Water, theft, collapse, and ordinance treatment", "Attached endorsements and protective safeguards" ], "review_checks": [ "Do not describe the form as covering every cause of loss", "Read exclusions, limitations, and endorsements before summarizing protection", "Confirm the exact edition and state filing" ], "official_source_label": "Verisk ISO Forms, Rules, and Loss Costs", "official_source_url": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "access_type": "Licensed publisher source", "access_note": "Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.", "related_acord_forms": [ "125", "139", "140" ], "related_hedge_forms": [ "hedge-schedule-of-locations-supplement" ], "related_third_party_forms": [ "iso-cp-00-10-building-personal-property-coverage-form" ], "path": "/insurance-form-guides/iso-cp-10-30-causes-of-loss-special-form", "entity_name": "ISO CP 10 30: Causes of Loss Special Form", "direct_answer": "An ISO commercial property causes of loss form commonly used to provide special-form protection for direct physical loss unless the cause is excluded or limited, subject to the complete policy and endorsements.", "questions_answered": [ "What is ISO CP 10 30 used for?", "Where can I get the current ISO CP 10 30 form?", "Which edition of ISO CP 10 30 should I use?", "Does Hedge host the ISO CP 10 30 file?" ], "official_form_source": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "hedge_form_request_path": "/request-acord-form?form=ISO-CP-10-30", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-139-statement-schedule-of-values", "/insurance-form-guides/acord-140-property-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cp-00-10-building-personal-property-coverage-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement" ] }, { "slug": "iso-ca-00-01-business-auto-coverage-form", "request_id": "ISO-CA-00-01", "publisher": "Verisk ISO", "publisher_url": "https://www.verisk.com/insurance/", "family": "ISO policy forms", "category": "Commercial auto", "form_number": "CA 00 01", "title": "Business Auto Coverage Form", "search_title": "ISO CA 00 01 Business Auto Coverage Form | Hedge", "edition_guidance": "Edition and state filing vary by insurer and jurisdiction", "purpose": "A core ISO business auto coverage form commonly used to structure covered auto liability and selected physical damage coverage through covered-auto symbols, declarations, conditions, exclusions, and endorsements.", "key_information": [ "Covered-auto symbols", "Liability and physical damage limits", "Scheduled vehicles and garaging", "Driver and vehicle use information", "State and policy endorsements" ], "review_checks": [ "Confirm the covered-auto symbols shown in the declarations", "Reconcile vehicles and drivers with the application schedules", "Read state-specific and business-use endorsements with the coverage form" ], "official_source_label": "Verisk ISO Forms, Rules, and Loss Costs", "official_source_url": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "access_type": "Licensed publisher source", "access_note": "Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.", "related_acord_forms": [ "125", "127", "129", "163" ], "related_hedge_forms": [ "hedge-commercial-auto-and-trucking-supplemental" ], "related_third_party_forms": [ "fmcsa-mcs-90-endorsement" ], "path": "/insurance-form-guides/iso-ca-00-01-business-auto-coverage-form", "entity_name": "ISO CA 00 01: Business Auto Coverage Form", "direct_answer": "A core ISO business auto coverage form commonly used to structure covered auto liability and selected physical damage coverage through covered-auto symbols, declarations, conditions, exclusions, and endorsements.", "questions_answered": [ "What is ISO CA 00 01 used for?", "Where can I get the current ISO CA 00 01 form?", "Which edition of ISO CA 00 01 should I use?", "Does Hedge host the ISO CA 00 01 file?" ], "official_form_source": "https://www.verisk.com/products/forms-rules-and-loss-costs/", "hedge_form_request_path": "/request-acord-form?form=ISO-CA-00-01", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "related_third_party_form_paths": [ "/insurance-form-guides/fmcsa-mcs-90-endorsement" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental" ] }, { "slug": "kinsale-security-guards-supplemental-application", "request_id": "KINSALE-SG", "publisher": "Kinsale Insurance", "publisher_url": "https://www.kinsaleins.com/", "family": "Carrier supplemental applications", "category": "Security services", "form_number": "Security Guards Supplemental", "title": "Security Guards Supplemental Application", "search_title": "Kinsale Security Guards Supplemental Application | Hedge", "edition_guidance": "Use the current file linked by Kinsale and confirm acceptance with the intended underwriter", "purpose": "Kinsale's carrier supplemental application for security guard and related security operations. It adds operations, armed and unarmed work, contracts, staffing, screening, training, weapons, and loss-control detail to the commercial application packet.", "key_information": [ "Armed and unarmed service mix", "Client types and contract requirements", "Employee screening and training", "Weapons and use-of-force controls", "Prior incidents, claims, and loss runs" ], "review_checks": [ "Confirm the current Kinsale file before completing it", "Reconcile payroll, receipts, headcount, and service mix with the ACORD packet", "Do not submit the form through this public guide" ], "official_source_label": "Kinsale Security Guards Supplemental Application", "official_source_url": "https://www.kinsaleins.com/wp-content/uploads/2025/06/GC-Security-Guards-Supplemental-Application.pdf", "access_type": "Official carrier PDF", "access_note": "The file remains on Kinsale's website. Hedge links to the carrier source and does not republish it.", "related_acord_forms": [ "125", "126" ], "related_hedge_forms": [ "hedge-security-guard-and-alarm-supplemental", "hedge-loss-and-claims-supplement" ], "related_third_party_forms": [ "iso-cg-00-01-commercial-general-liability-coverage-form" ], "path": "/insurance-form-guides/kinsale-security-guards-supplemental-application", "entity_name": "Kinsale Security Guards: Security Guards Supplemental Application", "direct_answer": "Kinsale's carrier supplemental application for security guard and related security operations. It adds operations, armed and unarmed work, contracts, staffing, screening, training, weapons, and loss-control detail to the commercial application packet.", "questions_answered": [ "What is Kinsale Security Guards used for?", "Where can I get the current Kinsale Security Guards form?", "Which edition of Kinsale Security Guards should I use?", "Does Hedge host the Kinsale Security Guards file?" ], "official_form_source": "https://www.kinsaleins.com/wp-content/uploads/2025/06/GC-Security-Guards-Supplemental-Application.pdf", "hedge_form_request_path": "/request-acord-form?form=KINSALE-SG", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cg-00-01-commercial-general-liability-coverage-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "slug": "kinsale-restaurant-bar-tavern-supplemental-application", "request_id": "KINSALE-REST", "publisher": "Kinsale Insurance", "publisher_url": "https://www.kinsaleins.com/", "family": "Carrier supplemental applications", "category": "Hospitality and liquor", "form_number": "Restaurant, Bar or Tavern Supplemental", "title": "Restaurant, Bar or Tavern Supplemental Application", "search_title": "Kinsale Restaurant and Tavern Supplemental | Hedge", "edition_guidance": "Use the current file linked by Kinsale and confirm acceptance with the intended underwriter", "purpose": "Kinsale's carrier supplemental application for restaurants, bars, and taverns. It adds food and alcohol sales, hours, entertainment, security, cooking, delivery, and operational detail to the commercial application packet.", "key_information": [ "Food, alcohol, and other sales", "Hours and late-night operations", "Entertainment, dancing, and security", "Cooking equipment and fire protection", "Delivery, catering, and prior incidents" ], "review_checks": [ "Separate alcohol receipts from total receipts", "Reconcile operations and sales with the ACORD and liquor liability sections", "Use the current carrier file and confirm any state-specific requirements" ], "official_source_label": "Kinsale Restaurant, Bar or Tavern Supplemental Application", "official_source_url": "https://www.kinsaleins.com/wp-content/uploads/2025/06/GC-Restaurant-Bar-or-Tavern-Supplemental-Application.pdf", "access_type": "Official carrier PDF", "access_note": "The file remains on Kinsale's website. Hedge links to the carrier source and does not republish it.", "related_acord_forms": [ "125", "126", "185", "803" ], "related_hedge_forms": [ "hedge-restaurant-bar-and-tavern-supplemental", "hedge-liquor-liability-supplemental" ], "related_third_party_forms": [ "iso-cg-00-01-commercial-general-liability-coverage-form" ], "path": "/insurance-form-guides/kinsale-restaurant-bar-tavern-supplemental-application", "entity_name": "Kinsale Restaurant, Bar or Tavern: Restaurant, Bar or Tavern Supplemental Application", "direct_answer": "Kinsale's carrier supplemental application for restaurants, bars, and taverns. It adds food and alcohol sales, hours, entertainment, security, cooking, delivery, and operational detail to the commercial application packet.", "questions_answered": [ "What is Kinsale Restaurant, Bar or Tavern used for?", "Where can I get the current Kinsale Restaurant, Bar or Tavern form?", "Which edition of Kinsale Restaurant, Bar or Tavern should I use?", "Does Hedge host the Kinsale Restaurant, Bar or Tavern file?" ], "official_form_source": "https://www.kinsaleins.com/wp-content/uploads/2025/06/GC-Restaurant-Bar-or-Tavern-Supplemental-Application.pdf", "hedge_form_request_path": "/request-acord-form?form=KINSALE-REST", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-185-restaurant-tavern-supplement", "/insurance-form-guides/acord-803-liquor-liability-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cg-00-01-commercial-general-liability-coverage-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental" ] }, { "slug": "kinsale-habitational-supplemental-application", "request_id": "KINSALE-HAB", "publisher": "Kinsale Insurance", "publisher_url": "https://www.kinsaleins.com/", "family": "Carrier supplemental applications", "category": "Habitational", "form_number": "Habitational Supplemental", "title": "Habitational Supplemental Application", "search_title": "Kinsale Habitational Supplemental Application | Hedge", "edition_guidance": "Use the current file linked by Kinsale and confirm acceptance with the intended underwriter", "purpose": "Kinsale's carrier supplemental application for apartments and other habitational risks. It adds property, occupancy, management, tenant, maintenance, safety, and loss-control detail to the commercial application packet.", "key_information": [ "Location, unit, and occupancy schedule", "Property management and tenant profile", "Building age and system updates", "Life-safety and security controls", "Habitability issues, incidents, and losses" ], "review_checks": [ "Reconcile unit counts, values, and locations with the property application and statement of values", "Explain vacancies, subsidized housing, student housing, and renovation", "Use the current carrier file and confirm state-specific requirements" ], "official_source_label": "Kinsale Habitational Supplemental Application", "official_source_url": "https://www.kinsaleins.com/wp-content/uploads/2025/06/GC-Habitational-Supplemental-Application.pdf", "access_type": "Official carrier PDF", "access_note": "The file remains on Kinsale's website. Hedge links to the carrier source and does not republish it.", "related_acord_forms": [ "125", "126", "139", "140" ], "related_hedge_forms": [ "hedge-habitational-and-apartment-supplemental", "hedge-schedule-of-locations-supplement" ], "related_third_party_forms": [ "iso-cg-00-01-commercial-general-liability-coverage-form", "iso-cp-00-10-building-personal-property-coverage-form" ], "path": "/insurance-form-guides/kinsale-habitational-supplemental-application", "entity_name": "Kinsale Habitational: Habitational Supplemental Application", "direct_answer": "Kinsale's carrier supplemental application for apartments and other habitational risks. It adds property, occupancy, management, tenant, maintenance, safety, and loss-control detail to the commercial application packet.", "questions_answered": [ "What is Kinsale Habitational used for?", "Where can I get the current Kinsale Habitational form?", "Which edition of Kinsale Habitational should I use?", "Does Hedge host the Kinsale Habitational file?" ], "official_form_source": "https://www.kinsaleins.com/wp-content/uploads/2025/06/GC-Habitational-Supplemental-Application.pdf", "hedge_form_request_path": "/request-acord-form?form=KINSALE-HAB", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section", "/insurance-form-guides/acord-139-statement-schedule-of-values", "/insurance-form-guides/acord-140-property-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cg-00-01-commercial-general-liability-coverage-form", "/insurance-form-guides/iso-cp-00-10-building-personal-property-coverage-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-habitational-and-apartment-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement" ] }, { "slug": "fmcsa-mcs-90-endorsement", "request_id": "MCS-90", "publisher": "Federal Motor Carrier Safety Administration", "publisher_url": "https://www.fmcsa.dot.gov/", "family": "Official and regulatory forms", "category": "Motor carrier", "form_number": "MCS-90", "title": "Endorsement for Motor Carrier Policies of Insurance for Public Liability", "search_title": "FMCSA MCS-90 Endorsement Form Guide | Hedge", "edition_guidance": "Use the current FMCSA form and the insurer-executed endorsement attached to the policy", "purpose": "The federal motor carrier public liability endorsement described by FMCSA and required in applicable circumstances under federal financial responsibility rules. It is attached to a motor carrier liability policy and is completed or issued through the insurer, not treated as a standalone insurance application.", "key_information": [ "Motor carrier legal name and address", "Policy number and effective dates", "Primary or excess status", "Applicable public liability limit", "Authorized insurer representative execution" ], "review_checks": [ "Confirm whether the federal financial responsibility requirement applies", "Use the insurer-issued endorsement attached to the policy", "Do not confuse MCS-90 with an FMCSA electronic insurance filing" ], "official_source_label": "FMCSA Form MCS-90", "official_source_url": "https://www.fmcsa.dot.gov/registration/form-mcs-90-endorsement-motor-carrier-policies-insurance-public-liability-under", "access_type": "Official federal source", "access_note": "FMCSA publishes the official form. 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It is attached to a motor carrier liability policy and is completed or issued through the insurer, not treated as a standalone insurance application.", "questions_answered": [ "What is FMCSA MCS-90 used for?", "Where can I get the current FMCSA MCS-90 form?", "Which edition of FMCSA MCS-90 should I use?", "Does Hedge host the FMCSA MCS-90 file?" ], "official_form_source": "https://www.fmcsa.dot.gov/registration/form-mcs-90-endorsement-motor-carrier-policies-insurance-public-liability-under", "hedge_form_request_path": "/request-acord-form?form=MCS-90", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-ca-00-01-business-auto-coverage-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental" ] }, { "slug": "nfip-flood-insurance-application", "request_id": "NFIP-APP", "publisher": "FEMA National Flood Insurance Program", "publisher_url": "https://www.fema.gov/flood-insurance", "family": "Official and regulatory forms", "category": "Flood insurance", "form_number": "FF-206-FY-21-117", "title": "NFIP Flood Insurance Application", "search_title": "FEMA NFIP Flood Insurance Application | Hedge", "edition_guidance": "FEMA form dated 05/2021 with the displayed OMB approval expiring 2027-02-28; check FEMA for a replacement before use", "purpose": "FEMA's National Flood Insurance Program application for requesting an NFIP flood insurance policy. It collects property, occupancy, building, coverage, rating, premium, and producer information needed for an NFIP application.", "key_information": [ "Property address and occupancy", "Building characteristics and foundation", "Flood zone and rating information", "Building and contents limits", "Producer, payment, and certification information" ], "review_checks": [ "Use FEMA's current application and manual", "Complete both pages and all required certifications", "Confirm eligibility, rating, and supporting documents through the authorized NFIP process" ], "official_source_label": "FEMA NFIP Flood Insurance Application", "official_source_url": "https://www.fema.gov/sites/default/files/documents/fema_ff-206-fy-21-117_flood-insurance-application_may-2021_exp-28-feb-2027.pdf", "access_type": "Official federal PDF", "access_note": "FEMA publishes the official application PDF. The current linked file has no interactive form fields, so complete it with a compatible PDF editor or print it as required. Hedge links to FEMA and does not mirror the file.", "related_acord_forms": [ "125", "139", "140" ], "related_hedge_forms": [ "hedge-schedule-of-locations-supplement" ], "related_third_party_forms": [ "iso-cp-00-10-building-personal-property-coverage-form", "iso-cp-10-30-causes-of-loss-special-form" ], "path": "/insurance-form-guides/nfip-flood-insurance-application", "entity_name": "FEMA/NFIP FF-206-FY-21-117: NFIP Flood Insurance Application", "direct_answer": "FEMA's National Flood Insurance Program application for requesting an NFIP flood insurance policy. It collects property, occupancy, building, coverage, rating, premium, and producer information needed for an NFIP application.", "questions_answered": [ "What is FEMA/NFIP FF-206-FY-21-117 used for?", "Where can I get the current FEMA/NFIP FF-206-FY-21-117 form?", "Which edition of FEMA/NFIP FF-206-FY-21-117 should I use?", "Does Hedge host the FEMA/NFIP FF-206-FY-21-117 file?" ], "official_form_source": "https://www.fema.gov/sites/default/files/documents/fema_ff-206-fy-21-117_flood-insurance-application_may-2021_exp-28-feb-2027.pdf", "hedge_form_request_path": "/request-acord-form?form=NFIP-APP", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-139-statement-schedule-of-values", "/insurance-form-guides/acord-140-property-section" ], "related_third_party_form_paths": [ "/insurance-form-guides/iso-cp-00-10-building-personal-property-coverage-form", "/insurance-form-guides/iso-cp-10-30-causes-of-loss-special-form" ], "related_hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement" ] }, { "slug": "ncci-workers-compensation-forms-manual", "request_id": "NCCI-MANUAL", "publisher": "National Council on Compensation Insurance", "publisher_url": "https://www.ncci.com/", "family": "Official and regulatory forms", "category": "Workers compensation", "form_number": "Forms Manual", "title": "Workers Compensation and Employers Liability Insurance Forms Manual", "search_title": "NCCI Workers Compensation Forms Manual | Hedge", "edition_guidance": "Use current NCCI Atlas content and the state-specific forms accepted for the policy jurisdiction", "purpose": "NCCI's indexed compilation of workers compensation policy forms, general endorsements, state-specific endorsements, and form-use notes. It is the authorized research path for participating jurisdictions, not a single universal application form.", "key_information": [ "Policy jurisdiction and effective date", "Required general endorsements", "State-specific endorsements", "Coverage and premium endorsements", "Authorized form edition and use notes" ], "review_checks": [ "Confirm that NCCI is the applicable rating organization for the state", "Use current state-specific rules and endorsements", "Respect NCCI access and redistribution terms" ], "official_source_label": "NCCI Forms Manual", "official_source_url": "https://www.ncci.com/ServicesTools/Pages/FORMSMANUAL.aspx", "access_type": "Licensed manual access", "access_note": "NCCI states that downloadable RTF policy forms and endorsements are available to affiliates. Hedge links to the official manual and does not republish NCCI content.", "related_acord_forms": [ "125", "130", "611" ], "related_hedge_forms": [ "hedge-workers-compensation-supplemental", "hedge-loss-and-claims-supplement" ], "related_third_party_forms": [], "path": "/insurance-form-guides/ncci-workers-compensation-forms-manual", "entity_name": "NCCI Forms Manual: Workers Compensation and Employers Liability Insurance Forms Manual", "direct_answer": "NCCI's indexed compilation of workers compensation policy forms, general endorsements, state-specific endorsements, and form-use notes. It is the authorized research path for participating jurisdictions, not a single universal application form.", "questions_answered": [ "What is NCCI Forms Manual used for?", "Where can I get the current NCCI Forms Manual form?", "Which edition of NCCI Forms Manual should I use?", "Does Hedge host the NCCI Forms Manual file?" ], "official_form_source": "https://www.ncci.com/ServicesTools/Pages/FORMSMANUAL.aspx", "hedge_form_request_path": "/request-acord-form?form=NCCI-MANUAL", "related_acord_form_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-130-workers-compensation-application", "/insurance-form-guides/acord-611-claims-history-loss-run-request" ], "related_third_party_form_paths": [], "related_hedge_form_paths": [ "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] } ] }