ACORD 825: Professional and Specialty Insurance Applicant Section.

How the form is used.

Create one consistent professional applicant record.

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

1. List applicant entities, ownership and services so the intended insured organization is identifiable.
2. Reconcile revenue and employee information with the specific professional or specialty sections.
3. Explain prior coverage and continuity and disclose known circumstances through the authorized account channel.

What a clearer packet looks like.

A consulting group has two entities delivering different services. Show which entity earns each revenue stream and signs the client contracts instead of reporting one blended description across the packet.

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

ACORD 825 vs. 832

ACORD 825 is the professional and specialty applicant section. ACORD 832 adds miscellaneous E&O service detail. The applicant section alone is not a complete description of professional liability exposure.

Facts to prepare.

• Applicant entities and ownership
• Business and professional services
• Financial and employee information
• Prior insurance and continuity
• Claims and known circumstances

Review before using the form.

• Attach the correct line-specific professional section
• Keep entity and revenue information consistent
• Explain prior acts, continuity, and known circumstances

Use ACORD 825 correctly.

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.