ACORD 125: Commercial Insurance Application Applicant Information Section.

How the form is used.

Build the account record before the coverage sections.

Preparation guidance from Hedge. Follow the instructions in the accepted form edition and the intended market's requirements.

1. Start with legal entities, DBAs and ownership. Use the same names on schedules and coverage applications.
2. Write an operations description that explains what the business does, who its customers are and where work occurs.
3. Reconcile locations, effective dates and prior insurance with the line-specific sections before requesting terms.

What a clearer packet looks like.

A contractor operates through two LLCs but uses one trading name. List the entities and explain which one employs staff, owns vehicles and signs contracts. A single DBA on every attachment can leave the underwriter unable to tell which operation is being presented.

Hypothetical example, not a placement result or a coverage determination.

ACORD 125 vs. 126

ACORD 125 describes the applicant and account. ACORD 126 adds general liability exposures. A complete applicant section does not replace the liability section or the market's supplemental questions.

Facts to prepare.

• 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 before using the form.

• 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

Use ACORD 125 correctly.

Assemble the account-specific packet.

Use the class submission guide to identify the underwriting facts and Hedge forms that may apply, then have Hedge confirm the intended market and route.