Commercial insurance form reference

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.

Form numberACORD 131
Edition shown in index2017/11
Source reviewed2026-08-24
Information organized

Facts to prepare.

  • Requested umbrella or excess limit
  • Underlying policies and limits
  • Operations and exposure schedules
  • Prior umbrella coverage
  • Relevant large-loss information
Quality control

Review before using the form.

  • Attach a complete underlying schedule
  • Identify requested follow-form treatment and attachment points
  • Reconcile the underlying carriers, limits, and effective dates
Edition and market boundary

The edition shown is the edition observed in the official index on the review date. Confirm the acceptable edition, jurisdiction, and related forms with the intended market. Hedge does not provide this ACORD file for download.

Related Hedge forms

Hedge-owned supplements that may add class detail.

These fillable Hedge resources can support preparation but do not replace a required ACORD or market-specific application.

Any risk

Hedge Excess and Umbrella Supplemental

A fillable Hedge supplemental for excess and umbrella liability submissions.

View form and fillable PDF →
Any risk

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

View form and fillable PDF →
Sources

Verify against the publisher.

Official source

ACORD Forms Index

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Official source

ACORD Forms Portal

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Official source

ACORD Forms Search Tools

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Next step

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.