ACORD 125: Commercial Insurance Application
ACORD 125 is the Commercial Insurance Application. It provides the applicant and account information that can accompany commercial line sections.
What it is
ACORD 125 is the Commercial Insurance Application. It provides the applicant and account information that can accompany commercial line sections.
Begin with the legal entities, locations, operations, current insurance, and loss history. A useful packet tells the market what the business actually does and makes the shared facts consistent across the requested coverage sections.
When it's used
- A market requests a commercial application with line-specific sections.
- A new commercial account needs its basic information organized once.
- A remarketing packet needs consistent applicant, location, and history information.
Section-by-section walkthrough
Agency and carrier information
Your agency's name and contact details, the carrier or carriers the submission targets, and the proposed effective dates.
Review check: Confirm the market and intended term.
Applicant information
The legal named insured, mailing address, entity type, FEIN, and contact information. Additional named insureds are listed here too.
Review check: Reconcile legal names, entities, and identifiers.
Premises information
Each location where the applicant operates: address, interest (owned or leased), and basic occupancy details.
Review check: Include relevant operating locations.
Nature of business
What the business actually does, in plain language, plus the date started and business type. This is where the underwriter forms a picture of the risk.
Review check: Describe actual activities in plain language.
Prior carrier information
Coverage history for the past several years: carrier, policy number, premium, and effective dates for each line.
Review check: Use the requested history and explain gaps.
Loss history
Claims for the years requested, matching the loss runs that accompany the submission. Include date, description, and amounts paid and reserved.
Review check: Reconcile the application with available loss runs.
General information questions
The yes/no underwriting questions: prior cancellations, bankruptcies, safety programs, and similar. Explanations go in the remarks section.
Review check: Answer each question and follow its explanation instructions.
Remarks
Explanations, context, and anything that helps the underwriter say yes: safety measures, changes since a loss, details that do not fit the boxes.
Review check: Add supported context and identify missing answers.
Signatures
The applicant's signature and date, plus the producer's. Some states add fraud warnings that must be acknowledged.
Review check: Follow market and form signature requirements.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 125; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →
Common errors
- Treating a trade name as the complete legal entity record.
- Using a one-word operations description.
- Conflicting dates or loss information across attachments.
Common questions
Does ACORD 125 include every coverage application?
No. It supplies shared account information. Attach the sections and supplements the market requests for the lines and exposures being submitted.
What makes an operations description useful?
State what the business does, where, for whom, and any material activities or limits. For a contractor, identify the actual trades and work performed instead of writing only contractor.
Related forms
Form references
- ACORD Forms Portal: current forms and authorized access
- ACORD-authored Forms Index, May 2024 (historical form names)
Confirm the form edition and requirements with the market receiving the submission.
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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