ACORD 137: Commercial Auto Coverages / Limits Section

ACORD 137 is the Commercial Auto Coverages / Limits Section family. State-specific versions record requested coverages, limits, selections, and related information.

What it is

ACORD 137 is the Commercial Auto Coverages / Limits Section family. State-specific versions record requested coverages, limits, selections, and related information.

Work alongside the vehicle and operations schedules. The task is to match the intended protection to the correct autos and requested terms, while completing the applicable state and market requirements.

When it's used

A business auto submission requires the relevant state coverage section.
Coverage choices need to be reconciled with a vehicle schedule.
A producer needs the client's requested selections recorded clearly.

Section-by-section walkthrough

Identification

Agency, carrier, policy number, effective dates, and named insured, matching the ACORD 127 or 132 the form travels with.

Review check: Match the associated application.

Covered auto symbols

The requested covered-auto categories for each coverage. Confirm the symbols with the applicable program and review the policy's full terms.

Review check: Confirm intended auto categories with the market.

Liability

The liability limit requested, either a combined single limit or split bodily injury and property damage limits, depending on what the state edition offers.

Review check: Record the requested liability limits.

State-required coverages

The coverages the state mandates or regulates: personal injury protection, no-fault benefits, first-party benefits, and similar. This block is why the form is state-specific; the choices differ from edition to edition.

Review check: Complete applicable state coverage choices.

Uninsured and underinsured motorist

UM and UIM elections and limits, with state-specific options like stacked or non-stacked coverage where they exist.

Review check: Review UM and UIM selections and required documentation.

Medical payments

Optional medical payments coverage and the limit requested, where the state edition offers it.

Review check: Record medical payments where requested and available.

Physical damage

Comprehensive, specified causes of loss, and collision, with deductibles per coverage. Ties back to the vehicles scheduled on the ACORD 127 or 129.

Review check: Match physical damage choices to the vehicle schedule.

Hired and non-owned auto

The hired and non-owned auto coverage requested and the exposure information the market needs.

Review check: Describe hired and non-owned exposures.

Endorsements, remarks, and signatures

Requested endorsements, explanations that do not fit the boxes, and the applicant's and producer's signatures.

Review check: Complete required selections, remarks, and signatures.

In Relay

Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 137; 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

Using the wrong state version.
Conflicting deductibles or coverage selections across schedules.
Leaving required elections unresolved.

Common questions

Why does the state version matter?

Available selections, notices, and requirements can differ. Confirm the current version and instructions for the risk and market.

Do auto symbols explain the entire coverage?

They help identify categories of autos for a coverage, but the policy's definitions, exclusions, and endorsements also matter. Review the complete quoted terms.

Form references

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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