ACORD 75: Insurance Binder
ACORD 75 is an Insurance Binder form used to document temporary insurance when issued with appropriate authority. Its coverage, effective period, and conditions need to match what the authorized insurer or producer has actually agreed to bind.
What it is
ACORD 75 is an Insurance Binder form used to document temporary insurance when issued with appropriate authority. Its coverage, effective period, and conditions need to match what the authorized insurer or producer has actually agreed to bind.
Treat preparation and issuance as separate steps. Gather the binding instruction, accepted terms, dates and times, covered property or operations, and required interests. An AI draft must not be mistaken for an issued binder.
When it's used
- A market accepts ACORD 75 to document authorized temporary coverage.
- The agency has confirmed its authority and the terms agreed with the carrier.
- A team needs to review the binder against the eventual policy.
Section-by-section walkthrough
Producer and company
The producer and the insurer associated with the authorized binding instruction.
Review check: Confirm the insurer and authority.
Binder number and term
The binder identifier and the effective and expiration dates and times required by the accepted terms.
Review check: Check effective and expiration dates and times.
Insured
The named insured and mailing address.
Review check: Match the insured legal entity.
Description of operations, vehicles, or property
The operations, vehicles, or property identified in the binding instruction.
Review check: Identify exactly what is being bound.
Coverages and limits
The coverages, limits, and deductibles agreed for the binder.
Review check: Match agreed coverages, limits, and deductibles.
Additional interest
The agreed additional interests, item references, and relevant loan information.
Review check: Verify the requested and accepted interests.
Conditions
The binder's actual conditions, including its termination provisions and next required action.
Review check: Read the binder conditions and track the next action.
Authorized representative
The signature of a representative with the required authority to issue the binder.
Review check: Obtain the authorized representative's review.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 75; 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
- Creating a binder from an unaccepted quote.
- Assuming authority from access to a form template.
- Losing track of the binder's end date or policy issuance.
Common questions
How long does a binder last?
Read its stated period and conditions together with applicable requirements and the carrier's instructions. Track policy issuance and resolve any approaching expiry through an authorized process.
Can a binder be prepared before authority is confirmed?
You can organize a draft, but it must remain a draft. Confirm authority and agreed terms before anyone issues or relies on it as evidence of insurance.
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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