ACORD 127: Business Auto Section
ACORD 127 is the Business Auto Section. It organizes a commercial account's vehicle, driver, and operational information for the market.
What it is
ACORD 127 is the Business Auto Section. It organizes a commercial account's vehicle, driver, and operational information for the market.
Build the packet from a current fleet list, driver roster, use and garaging information, and the requested coverage schedule. Count the units across every attachment so the application represents the whole fleet.
When it's used
- A business auto market requests this section.
- A fleet is being quoted or remarketed.
- Vehicle or driver changes need to be reconciled before submission.
Section-by-section walkthrough
Identification
Agency, carrier, named insured, and policy effective dates, matching the ACORD 125 exactly.
Review check: Match the commercial applicant and requested dates.
Vehicle descriptions
Each vehicle: year, make, model, VIN, body type, cost new, garaging address, radius of operation, and how it is used. This is where the underwriter prices the physical risk.
Review check: Check every VIN, garaging location, and actual use.
Driver information
The drivers and identifying, licensing, and experience details the market requests. Use an accepted driver schedule when more space is needed.
Review check: Reconcile the required driver roster.
General information questions
The underwriting yes/no questions: hazardous materials, vehicles leased or rented to others, autos furnished to employees or family members, regulatory filings required, and similar.
Review check: Answer the full operational questions.
Additional interests
Lienholders, lessors, and loss payees tied to the relevant vehicles, with an additional schedule when needed.
Review check: Tie interests to specific vehicles.
Remarks
Context that does not fit the boxes: radius exceptions, seasonal use, driver training programs, a note that an ACORD 129 vehicle schedule is attached.
Review check: List attachments and reconcile the total fleet.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 127; 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
- Missing vehicles from an attached schedule.
- Different garaging or use information across documents.
- Confusing a requested coverage with vehicle description data.
Common questions
What if the fleet exceeds the space on the form?
Use the schedule and format accepted by the market, such as ACORD 129 where appropriate. Identify the attachment and reconcile the total vehicle count.
Do we also need ACORD 137?
Confirm the market's packet requirements. ACORD 137 provides state-specific commercial auto coverage information that may accompany the auto section.
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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