Hedge/ACORD form guides/ACORD 131
Preparation guide and PDF access

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.

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The fillable PDF is available through ACORD's licensed portal. This page is a preparation guide, not a hosted download.

Form numberACORD 131
Edition shown in index2017/11
Source reviewed2026-08-24
Electronic fillable PDF access

Get the ACORD 131 PDF.

Already have an eligible ACORD account? Open the Forms Portal and search for form 131. Check the edition your intended market accepts before completing it. An ACORD account and eligible Forms program are required.

Need help identifying the form or access path? Request access help from Hedge. This is a request for assistance, not an instant download or an insurance submission.

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

Show the underlying insurance behind the limit request.

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

  1. List the underlying policies, insurers, effective dates and limits using the current policy information.
  2. Explain the requested umbrella or excess limit and any attachment or follow-form expectations as requests for underwriting review.
  3. Identify operations, locations or exposures that differ across underlying policies and provide relevant large-loss explanations.
Illustrative preparation example

What a clearer packet looks like.

An account has GL and auto policies with different renewal dates. Present both terms and the requested excess effective date explicitly. A limit schedule with no dates can hide a gap or mismatch that must be resolved before binding.

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

ACORD 131 vs. ACORD 126

ACORD 131 supports an umbrella or excess request; ACORD 126 supports general liability review. Neither application establishes follow-form coverage, an attachment point or an issued policy limit.

Read the ACORD 126 guide
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 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.

Submission requirementsHedge-owned formsSubmit for Hedge review