ACORD 137
A standardized ACORD form used as a commercial umbrella and excess liability application that captures underlying policy information and requested excess coverage details.
The ACORD 137 commercial umbrella/excess liability application documents the underlying insurance program over which excess coverage is requested. It captures details about each underlying policy—carrier, limits, policy number—and the requested umbrella or excess limits, retention amounts, and coverage preferences.
For COI compliance, the ACORD 137 provides the foundation for understanding how umbrella and excess layers relate to primary coverage. The schedule of underlying insurance shown on umbrella certificates directly connects to information captured on this form.
Compliance teams verifying that total insurance limits meet contractual requirements must trace coverage through primary and excess layers. Understanding the ACORD 137 helps professionals recognize when umbrella coverage may contain gaps—for instance, when underlying policies do not match the umbrella's scheduled underlying requirements. This knowledge enables more thorough compliance reviews of complex, multi-layered insurance programs.
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