ACORD 126: Commercial General Liability Section
ACORD 126 is the Commercial General Liability Section. It organizes requested coverage, operations, classifications, exposures, and supplemental liability information.
What it is
ACORD 126 is the Commercial General Liability Section. It organizes requested coverage, operations, classifications, exposures, and supplemental liability information.
Work from the business description, current coverage, contracts or requirements supplied by the client, and exposure records. Keep requested limits separate from existing limits, and keep each exposure amount tied to its correct rating basis.
When it's used
- A market requests a general liability section with the commercial applicant information.
- An account has multiple operations or locations that need a clear hazard schedule.
- The producer is comparing a requested liability program with current insurance.
Section-by-section walkthrough
Agency and applicant identification
Your agency, the carrier the section targets, effective dates, and the named insured carried over from the ACORD 125.
Review check: Match the commercial applicant section.
Coverages and limits
The requested limits: each occurrence, general aggregate, products and completed operations aggregate, personal and advertising injury, medical expense, and damage to rented premises. Deductible options go here too.
Review check: Separate requested limits from current coverage.
Occurrence or claims-made
The requested occurrence or claims-made basis. The actual policy wording determines the coverage trigger and conditions.
Review check: Record the requested basis accurately.
Claims-made details
The retroactive date, prior coverage, and reporting or prior-acts information requested for a claims-made submission.
Review check: Confirm required retroactive and prior-coverage details.
Employee benefits liability
Employee benefit program information and the coverage requested for administration-related liability, where applicable.
Review check: Complete the employee benefits request if applicable.
Schedule of hazards
Each operation classified with a class code, a premium basis (payroll, gross sales, area, units), and the exposure amount for that basis. Multi-location and multi-operation risks get a line per classification.
Review check: Keep classification, basis, amount, and period aligned.
Contractors
For contracting risks: what work is subcontracted, the annual cost of subcontractors, whether certificates of insurance are collected from them, and the kinds of work performed.
Review check: Describe subcontracting and supply the requested cost information.
Products and completed operations
Products sold or work completed: annual gross sales per product, expected life, and whether anything is discontinued, imported, or sold under another label.
Review check: Describe actual products and completed work.
Additional interests
Additional insureds and certificate recipients: landlords, project owners, franchisors. Name, address, and the interest each one holds.
Review check: Distinguish requested interests from policy provisions.
General information questions
The underwriting questions about operations and exposures, answered using the accepted form's wording.
Review check: Follow the question-specific instructions.
Remarks and signatures
Required explanations, material operational context, and the signatures specified by the application process.
Review check: Include material context and required signatures.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 126; 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
- Entering sales where the field asks for payroll or another basis.
- Omitting subcontractor cost or activities requested by the market.
- Treating the application as a complete explanation of the policy's coverage trigger.
Common questions
How should we fill the hazard schedule?
Identify each relevant operation and location, confirm the classification and basis with the market, and enter the corresponding exposure with its period and units.
What should we do with occurrence or claims-made details?
Record the basis requested and any required retroactive or prior-coverage information. Review the actual policy terms for coverage triggers and reporting conditions; a checkbox is not the complete coverage explanation.
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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