ACORD Forms
ACORD 127: Business Auto Section
The ACORD 127 is the business auto section of a commercial submission. It attaches to the ACORD 125 and carries the fleet: every vehicle, every driver, and the underwriting questions that tell the carrier how the autos are actually used.
What it is
The ACORD 127 is the business auto section of a commercial submission. It attaches to the ACORD 125 and carries the fleet: every vehicle, every driver, and the underwriting questions that tell the carrier how the autos are actually used.
Coverages and limits mostly live on a companion form, the state-specific ACORD 137. The 127 describes the risk; the 137 describes what you want to buy for it. Most carriers expect both, plus an ACORD 129 vehicle schedule when the fleet outgrows the space on the 127.
When it's used
- New commercial auto submissions, attached to the ACORD 125 and paired with the state's ACORD 137 for coverages and limits.
- Remarketing a fleet, where new carriers want current vehicle, driver, and radius information.
- Mid-term changes that reshape the risk, like a new garaging state or a new vehicle class.
Section-by-section walkthrough
Identification
Agency, carrier, named insured, and policy effective dates, matching the ACORD 125 exactly.
Watch for: Effective dates that do not line up with the rest of the package. Commercial auto is usually written concurrent with the other lines.
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.
Watch for: VINs typed by hand. One transposed character makes the vehicle unrateable and generates a round of emails.
Driver information
Every driver: name, date of birth, license number and state, date of hire, and years of experience. The printed form holds up to 13 drivers; more than that overflows to the ACORD 163 driver schedule.
Watch for: Leaving off part-time and occasional drivers. Carriers order MVRs, and an undisclosed driver showing up on a loss run reads badly.
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.
Watch for: Answering the hazmat question no when even one unit hauls placarded loads. That one surfaces fast.
Additional interests
Lienholders, lessors, and loss payees tied to specific vehicles. The form has room for two entries; additional parties overflow to the ACORD 45.
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.
Watch for: Forgetting to mention the attached vehicle schedule, so the carrier quotes only the vehicles on the 127.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 127 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- VIN errors that make a vehicle impossible to rate or match to prior policies.
- A driver list that does not match MVR results, especially part-time and family drivers.
- Radius of operation that does not match how the vehicles are actually used.
- Submitting the 127 without the state's ACORD 137, leaving the carrier with no coverages or limits to quote.
- Garaging addresses defaulted to the mailing address for vehicles kept elsewhere.
Common questions
Do I need an ACORD 137 with the ACORD 127?
Usually. The 127 describes vehicles, drivers, and operations. The coverages and limits request is captured on the ACORD 137, which is state-specific. Most carriers want the 125, the 127, and the applicable state's 137 together.
How many vehicles and drivers fit on the ACORD 127?
The driver section holds up to 13 drivers, with overflow going to the ACORD 163 driver schedule. When the vehicle blocks run out, additional units go on the ACORD 129 vehicle schedule. Note the attachments in remarks so nothing gets missed.
Can Relay draft an ACORD 127?
Yes. ACORD Generation is live in Relay. It drafts business auto sections from the client record and the documents you already have, including vehicle and driver lists, and a person reviews everything before it goes out.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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