ACORD 827: Employment Practices Liability Insurance Section.

How the form is used.

Reconcile the workforce before explaining its risks.

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

1. Organize employee counts by entity, location and worker type and explain the date or period represented.
2. Describe HR policies, training, turnover and completed or planned workforce changes.
3. Prepare accurate histories of complaints, charges and claims and explain any requested third-party or wage-and-hour terms.

What a clearer packet looks like.

A business reduces staff after the date of its payroll report. Explain the workforce change and use consistent dates across the application rather than presenting the old headcount as current.

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

ACORD 827 vs. 807

ACORD 827 supports employment practices review. ACORD 807 supports directors and officers review. A management liability package does not make these exposures or coverage terms interchangeable.

Facts to prepare.

• Employee counts by location and type
• Human-resources policies and training
• Turnover, layoffs, and reductions
• Prior complaints, charges, and claims
• Third-party and wage-and-hour exposure

Review before using the form.

• Reconcile employee counts with payroll and entity records
• Explain recent or planned workforce changes
• Identify prior notices, demands, charges, and known circumstances

Use ACORD 827 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.