Editable PDF and form guide

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.

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

Request ACORD 186 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 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.
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 ACORD forms

Forms commonly considered with ACORD 186.

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 130 / Workers compensation

Workers Compensation Application

The workers compensation application used to organize entities, locations, states, class codes, payroll, officer treatment, prior coverage, and experience information for workers compensation review.

Read the ACORD 130 guide →
ACORD 147 / Property and inland marine

Installation and Builders Risk Section

The section used to organize installation or builders risk project information, including the project, values, parties, site, construction, schedule, and requested coverage structure.

Read the ACORD 147 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.

Construction

Hedge Roofing Contractors Supplemental

A fillable Hedge supplemental for commercial and residential roofing contractors.

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Specialty classes

Hedge Workers Compensation Supplemental

A fillable Hedge supplemental for workers compensation exposure review.

View form and fillable PDF →
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.