Preparation guide and PDF access

ACORD 140: Property Section.

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

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

Form numberACORD 140
Edition shown in index2016/03
Source reviewed2026-08-24
Electronic fillable PDF access

Get the ACORD 140 PDF.

Already have an eligible ACORD account? Open the Forms Portal and search for form 140. 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.
ACORD 140 details

How the form is used.

What is ACORD 140 used for?
The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.
Is ACORD 140 editable?
Yes. Request access help from Hedge or choose the electronic fillable PDF in ACORD's licensed Forms Portal.
Which edition is shown?
2016/03 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 140

Explain each building as well as its values.

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

  1. Assemble construction, occupancy, protection and exposure information for each location and building.
  2. Match building, contents and business income requests to the current values schedule and valuation assumptions.
  3. Explain roof and system updates, vacancy, renovation and catastrophe exposures using dated supporting information.
Illustrative preparation example

What a clearer packet looks like.

An owner is renovating one building while the neighboring building remains occupied. Describe both conditions separately and reconcile them to the values schedule; one occupancy description for the entire address can conceal an important difference.

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

ACORD 140 vs. 139

ACORD 140 describes property exposures and requested coverage. ACORD 139 organizes values by location and building. Use consistent identifiers when the market requests both.

Read the ACORD 139 guide
Information organized

Facts to prepare.

  • Premises and building details
  • Construction, occupancy, protection, and exposure
  • Building, contents, and business income values
  • Valuation and causes of loss
  • Requested deductibles and extensions
Quality control

Review before using the form.

  • 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
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 Schedule of Locations Supplement

A fillable Hedge schedule for presenting multiple premises and location-level exposure information.

View form and fillable PDF →
Real estate

Hedge Habitational and Apartment Supplemental

A fillable Hedge supplemental for apartments and other habitational properties.

View form and fillable PDF →
Real estate

Hedge Vacant Building and Land Supplemental

A fillable Hedge supplemental for vacant buildings, vacant land, and renovation exposures.

View form and fillable PDF →
Common questions

Use ACORD 140 correctly.

Where can I get help accessing the editable ACORD 140 PDF?

Request ACORD 140 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 140 collect?

Premises and building details; Construction, occupancy, protection, and exposure; Building, contents, and business income values; Valuation and causes of loss; Requested deductibles and extensions.

Is edition 2016/03 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.