ACORD 45: Additional Interest Schedule
ACORD 45 is the Additional Interest Schedule. It provides space to identify interested parties and connect each requested interest to the relevant policy, vehicle, property, or other item.
What it is
ACORD 45 is the Additional Interest Schedule. It provides space to identify interested parties and connect each requested interest to the relevant policy, vehicle, property, or other item.
The useful detail is the relationship: who the party is, which item it concerns, what designation is requested, and which reference number it uses. Notice and coverage rights depend on the actual policy provisions.
When it's used
- An application needs more space for additional interests.
- A market requests a separate interest schedule.
- A financed or leased item requires a clearly identified interest request.
Section-by-section walkthrough
Agency and carrier information
Your agency, the carrier, and the codes that route the schedule to the right place.
Review check: Match the agency and carrier.
Policy identification
The policy number, effective and expiration dates, and the named insured exactly as the policy reads.
Review check: Identify the policy or application.
Item identification
Which insured item the interest attaches to: a vehicle, a boat, a building, or another scheduled item, identified well enough to be unambiguous.
Review check: Tie each party to the correct item.
Nature of the interest
The requested relationship, such as mortgagee, lienholder, loss payee, additional insured, or lessor, as supported by the relevant request and policy process.
Review check: Confirm the requested designation and policy support.
Interest name and address
The interested party's legal name and mailing address exactly as the financing documents state them, which is often a servicing address, not a branch.
Review check: Use the exact entity and servicing address.
Loan and reference numbers
The loan, lease, or account number the interested party uses to track the coverage.
Review check: Verify loan, lease, and account references.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 45; 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 additional insured, mortgagee, and loss payee interchangeably.
- Listing a lender without identifying its item.
- Assuming an interest automatically receives every policy notice.
Common questions
Does listing an additional interest create policy rights?
The schedule records information or a request. Check the carrier's acceptance and the policy provisions to establish the actual designation and any rights.
When is a separate schedule helpful?
Use it when the application lacks space or the market requests it. Keep the policy, item, and interest references consistent across the submission.
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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