{
  "version": 1,
  "reviewed_at": "2026-08-24",
  "audience": "Licensed retail insurance professionals",
  "methodology": "Form numbers, titles, and edition references are taken from the official ACORD Forms Index reviewed on 2026-08-24. These pages explain form purpose and submission preparation. Hedge does not republish ACORD files through this library.",
  "official_sources": [
    {
      "label": "ACORD Forms Index",
      "url": "https://www.acord.org/docs/default-source/forms/forms_index.pdf"
    },
    {
      "label": "ACORD Forms Portal",
      "url": "https://acord.org/forms"
    },
    {
      "label": "ACORD Forms Search Tools",
      "url": "https://acord.org/forms-pages/acord-forms/forms-search"
    }
  ],
  "form_guides": [
    {
      "slug": "acord-125-commercial-insurance-application",
      "form_number": "125",
      "title": "Commercial Insurance Application Applicant Information Section",
      "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_hedge_forms": [
        "hedge-loss-and-claims-supplement",
        "hedge-schedule-of-locations-supplement"
      ],
      "path": "/insurance-form-guides/acord-125-commercial-insurance-application",
      "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_hedge_forms": [
        "hedge-contractors-supplemental",
        "hedge-roofing-contractors-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-126-commercial-general-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_hedge_forms": [
        "hedge-commercial-auto-and-trucking-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-127-business-auto-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",
      "edition_shown_in_index": "2009/11",
      "purpose": "A schedule for identifying vehicles connected to a commercial auto submission. Accurate unit-level information helps the reviewing market understand ownership, type, use, 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_hedge_forms": [
        "hedge-commercial-auto-and-trucking-supplemental"
      ],
      "path": "/insurance-form-guides/acord-129-vehicle-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_hedge_forms": [
        "hedge-workers-compensation-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-130-workers-compensation-application",
      "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",
      "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_hedge_forms": [
        "hedge-excess-and-umbrella-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-131-umbrella-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",
      "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_hedge_forms": [
        "hedge-schedule-of-locations-supplement"
      ],
      "path": "/insurance-form-guides/acord-139-statement-schedule-of-values",
      "related_hedge_form_paths": [
        "/insurance-forms/hedge-schedule-of-locations-supplement"
      ]
    },
    {
      "slug": "acord-140-property-section",
      "form_number": "140",
      "title": "Property Section",
      "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_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",
      "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_hedge_forms": [
        "hedge-builders-risk-supplemental",
        "hedge-contractors-supplemental"
      ],
      "path": "/insurance-form-guides/acord-147-installation-builders-risk-section",
      "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",
      "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_hedge_forms": [
        "hedge-schedule-of-locations-supplement",
        "hedge-contractors-supplemental"
      ],
      "path": "/insurance-form-guides/acord-152-commercial-inland-marine-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_hedge_forms": [
        "hedge-commercial-auto-and-trucking-supplemental"
      ],
      "path": "/insurance-form-guides/acord-163-driver-information-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",
      "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_hedge_forms": [
        "hedge-cyber-and-technology-e-and-o-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-180-technology-eo-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_hedge_forms": [
        "hedge-restaurant-bar-and-tavern-supplemental",
        "hedge-liquor-liability-supplemental"
      ],
      "path": "/insurance-form-guides/acord-185-restaurant-tavern-supplement",
      "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_hedge_forms": [
        "hedge-contractors-supplemental",
        "hedge-roofing-contractors-supplemental",
        "hedge-workers-compensation-supplemental"
      ],
      "path": "/insurance-form-guides/acord-186-contractors-supplement",
      "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",
      "edition_shown_in_index": "10/96",
      "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_hedge_forms": [
        "hedge-allied-health-and-medical-professional-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-196-medical-professional-liability-application",
      "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_hedge_forms": [
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-611-claims-history-loss-run-request",
      "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_hedge_forms": [
        "hedge-liquor-liability-supplemental",
        "hedge-restaurant-bar-and-tavern-supplemental"
      ],
      "path": "/insurance-form-guides/acord-803-liquor-liability-section",
      "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_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",
      "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",
      "edition_shown_in_index": "2016/03",
      "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_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",
      "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_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",
      "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",
      "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_hedge_forms": [
        "hedge-miscellaneous-professional-liability-supplemental",
        "hedge-loss-and-claims-supplement"
      ],
      "path": "/insurance-form-guides/acord-832-miscellaneous-eo-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_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",
      "related_hedge_form_paths": [
        "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental",
        "/insurance-forms/hedge-loss-and-claims-supplement"
      ]
    }
  ],
  "authority_boundary": "Hedge explains these form purposes but does not republish ACORD files. Confirm the accepted edition, jurisdiction, related forms, licensing, and actual market requirements through authorized sources."
}