Hedge/ACORD form guides/ACORD 186
Preparation guide and PDF access

ACORD 186: Contractors Supplement.

A contractors supplement used to describe trade, project mix, payroll, subcontracting, height, depth, residential work, prior projects, and other contracting exposures.

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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 186
Edition shown in index2011/10
Source reviewed2026-08-24
Electronic fillable PDF access

Get the ACORD 186 PDF.

Already have an eligible ACORD account? Open the Forms Portal and search for form 186. 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 186 details

How the form is used.

What is ACORD 186 used for?
A contractors supplement used to describe trade, project mix, payroll, subcontracting, height, depth, residential work, prior projects, and other contracting exposures.
Is ACORD 186 editable?
Yes. Request access help from Hedge or choose the electronic fillable PDF in ACORD's licensed Forms Portal.
Which edition is shown?
2011/10 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 186

Describe the work rather than a generic trade label.

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

  1. Break out trades, project types and employee versus subcontractor work using consistent revenue and payroll periods.
  2. Explain height, depth, structural work and residential or commercial mix with representative project descriptions.
  3. Prepare subcontractor insurance controls and contract information, and disclose unusual work outside the usual trade.
Illustrative preparation example

What a clearer packet looks like.

A painting contractor also performs occasional exterior work at height. Quantify and describe that work instead of allowing the trade name to imply all jobs are ground-level interiors.

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

ACORD 186 vs. 126

ACORD 186 adds contractor-specific detail to the account. ACORD 126 addresses general liability exposures and requested terms. Keep the operations and exposure totals consistent across both.

Read the ACORD 126 guide
Information organized

Facts to prepare.

  • Exact trades and operations
  • Revenue, payroll, and subcontractor cost
  • Residential and commercial mix
  • Maximum height and depth
  • Subcontractor controls and contracts
Quality control

Review before using the form.

  • Avoid a generic contractor description
  • Explain work performed by employees versus subcontractors
  • Identify excluded, unusual, structural, or catastrophe-exposed work
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.

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A fillable Hedge supplemental for workers compensation exposure review.

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Common questions

Use ACORD 186 correctly.

Where can I get help accessing the editable ACORD 186 PDF?

Request ACORD 186 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 186 collect?

Exact trades and operations; Revenue, payroll, and subcontractor cost; Residential and commercial mix; Maximum height and depth; Subcontractor controls and contracts.

Is edition 2011/10 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