ACORD Forms
ACORD 175: Commercial Policy Change Request
The ACORD 175 is the Commercial Policy Change Request, the standard form for asking a carrier to endorse a commercial policy mid-term. Add a location, raise a limit, delete a vehicle, swap a loss payee: the 175 states the request once, clearly, in writing.
What it is
The ACORD 175 is the Commercial Policy Change Request, the standard form for asking a carrier to endorse a commercial policy mid-term. Add a location, raise a limit, delete a vehicle, swap a loss payee: the 175 states the request once, clearly, in writing.
It handles one policy per form. Each requested item is marked as an add, a change, or a delete, which is exactly how the underwriter will process it. An account that needs changes on the package policy and the auto policy needs two 175s.
When it's used
- Mid-term endorsement requests on commercial policies: coverages, limits, locations, vehicles, interests.
- Documenting the client's instruction in the file, even when the change itself is keyed into a carrier portal.
- Coverage reductions and deletions, where a signed request protects the agency as much as it informs the carrier.
Section-by-section walkthrough
Agency and policy identification
Your agency, the carrier, the policy number, and the named insured exactly as the policy reads.
Watch for: A named insured that does not match the policy. The endorsement gets issued against the policy, not against your memory of it.
Effective date of change
The date the change should take effect. Endorsements are priced and processed to a date.
Watch for: Leaving it blank, or asking for a date already in the past with no explanation. Backdated endorsements get extra scrutiny.
Requested changes
Each item marked add, change, or delete, with enough specifics that the underwriter can issue the endorsement without a follow-up: which coverage, which limit, which location, which vehicle.
Watch for: Vague asks. "Increase the property limit" tells the carrier nothing. "Increase the building limit at location two to a stated amount" gets endorsed without a phone call.
Additional interest changes
New, changed, or deleted mortgagees, lienholders, and loss payees, with full legal names, addresses, and loan numbers.
Watch for: Shorthand lender names. The interest on the policy has to match the financing documents, or the lender's tracking service keeps writing letters.
Remarks
Context the boxes cannot hold: why the deletion, what triggered the change, anything the underwriter would otherwise ask.
Signatures
The insured signs the request, and for reductions or deletions of coverage most carriers insist on it.
Watch for: A coverage deletion with no insured signature. If the claim that would have been covered arrives later, the unsigned form becomes the agency's problem.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 175 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- Changes for two policies squeezed onto one form. The 175 handles one policy per form.
- No effective date on the requested change.
- Reductions or deletions submitted without the insured's signature.
- Descriptions too vague to endorse, which turns a form into an email thread.
- The request sent but never reconciled against the endorsement the carrier actually issued.
Common questions
Do I need an ACORD 175 if I make the change in the carrier's portal?
The portal transmits the change; the 175 documents the instruction. Plenty of agencies keep a signed 175 in the file for anything that reduces coverage, whatever channel carried the request.
Can one ACORD 175 cover several changes?
Yes, several changes to the same policy. Mark each item as an add, a change, or a delete. What one form cannot cover is more than one policy.
Can Relay draft an ACORD 175?
Yes. ACORD Generation is live in Relay: it drafts ACORD forms from the client record you already have, and a person reviews every form before it goes anywhere.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
Get started
Get on the Summer ’26 list.
Spring ’26 is full. Get on the Summer ’26 list and we will be in touch as spots open.