ACORD 83: Personal Umbrella Application

ACORD 83 is the Personal Umbrella Application. It brings household exposures and underlying policy information together for the market's review.

What it is

ACORD 83 is the Personal Umbrella Application. It brings household exposures and underlying policy information together for the market's review.

Start with the actual auto, home, watercraft, and other relevant policy documents. Match policy periods, insured names, and limits, then ask about exposures that may not appear in the files you received.

When it's used

A personal umbrella market requests this application.
A household adds a property, driver, vehicle, or watercraft that needs review.
A renewal requires an updated underlying insurance schedule.

Section-by-section walkthrough

Identification

Your agency's details, the applicant, the target carrier, and the proposed effective and expiration dates.

Review check: Match the insured and requested term.

Umbrella coverage

The umbrella limit requested, the retained limit, and uninsured/underinsured motorist options where the program offers them.

Review check: Confirm the requested umbrella terms.

Underlying policy information

Every underlying policy: auto, homeowners or dwelling fire, watercraft, recreational vehicle, and any others, each with carrier, policy number, limits, and term.

Review check: Read each underlying policy's limits and dates.

Prior coverage

The prior umbrella carrier and policy details, if there was one.

Review check: Identify the current umbrella information.

Property

Every residence and location the applicant owns or occupies: address, year built, and occupancy.

Review check: Ask about all relevant residences and ownership.

Automobiles and recreational vehicles

Every auto, motorcycle, ATV, and similar unit: year, make, model, and body type.

Review check: Reconcile the vehicle list with the household and source policies.

Watercraft

Each boat with its length, horsepower, propulsion type, and where it is used.

Review check: Confirm the watercraft details the market requests.

Operators

Every driver and operator in the household: license details, plus the history questions about violations, impairments, and losses.

Review check: Reconcile operators across the underlying schedules.

Employment and general information

Occupations and employers for the applicants, plus the yes/no questions about pools, trampolines, animals, aircraft, business use, and litigation history.

Review check: Explain answers as the form requires.

Remarks, disclosures, and signatures

Explanations and attachments, state-specific UM/UIM disclosures and selections, fraud statements, and the applicant and producer signatures.

Review check: Complete applicable selections and signature requirements.

In Relay

Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 83; 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

Missing a relevant policy written through another agency or insurer.
Using old underlying limits.
Assuming an exposure is covered because it appears on the application.

Common questions

Which underlying policies should we include?

Use the market's requested schedule and the household's actual exposures. Confirm the underlying policies and limits the proposed umbrella requires.

Does listing an exposure mean the umbrella covers it?

No. The application provides information for underwriting. Review the quoted and issued policy, exclusions, and underlying requirements to establish the coverage.

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.

Your next step starts with one email.

Join the waitlist. We’re inviting agencies regularly and will email you when access is available.

Join the waitlist