Editable PDF and form guide

ACORD 131: Umbrella Section.

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
Electronic fillable PDF access

Request ACORD 131 from Hedge.

Need this form? Send a quick request and we will help you get the right edition. You can also use the ACORD Forms Portal.

Do not include insured information or upload risk files in a form request.
ACORD 131 details

How the form is used.

What is ACORD 131 used for?
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.
Is ACORD 131 editable?
Yes. Request access help from Hedge or choose the electronic fillable PDF in ACORD's licensed Forms Portal.
Which edition is shown?
2017/11 was observed in ACORD's index on 2026-08-24. The intended market decides what it accepts.
Does Hedge host the PDF?
No. Hedge explains the form and links to ACORD's licensed source.
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, rights, 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 links to ACORD's licensed download source and does not host or redistribute the ACORD file.

Related ACORD forms

Forms commonly considered with ACORD 131.

These relationships help assemble a coherent packet. They do not mean every related form is required for every account.

ACORD 125 / Core application

Commercial Insurance Application Applicant Information Section

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.

Read the ACORD 125 guide →
ACORD 126 / General liability

Commercial General Liability Section

The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.

Read the ACORD 126 guide →
ACORD 127 / Commercial auto

Business Auto Section

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.

Read the ACORD 127 guide →
ACORD 140 / Property and inland marine

Property Section

The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.

Read the ACORD 140 guide →
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 →
Common questions

Use ACORD 131 correctly.

Where can I get help accessing the editable ACORD 131 PDF?

Request ACORD 131 from Hedge for help identifying the current edition and an authorized access path, or use ACORD's official Forms Portal. Hedge does not host or redistribute the ACORD PDF.

What information does ACORD 131 collect?

Requested umbrella or excess limit; Underlying policies and limits; Operations and exposure schedules; Prior umbrella coverage; Relevant large-loss information.

Is edition 2017/11 accepted by every market?

No. That is the edition observed in ACORD's index on the source-review date. Confirm the edition, jurisdiction, related forms, and any market-specific application before releasing the packet.

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 Program

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

Open official source →
Official source

ACORD eForms

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.