Commercial insurance form reference

ACORD 186: Contractors Supplement.

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

Form numberACORD 186
Edition shown in index2011/10
Source reviewed2026-08-24
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 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.

Construction

Hedge Roofing Contractors Supplemental

A fillable Hedge supplemental for commercial and residential roofing contractors.

View form and fillable PDF →
Specialty classes

Hedge Workers Compensation Supplemental

A fillable Hedge supplemental for workers compensation exposure 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.