ACORD 101 (Additional Remarks Schedule)
A standard ACORD form used to provide additional information that does not fit on the primary application or certificate forms.
What It Is
The ACORD 101, or Additional Remarks Schedule, is a supplemental form used to provide information that exceeds the space available on other ACORD forms. It is most commonly attached to the ACORD 25 (Certificate of Liability Insurance) or ACORD 28 (Evidence of Property Insurance) when the Description of Operations section requires more space.
The form references the primary form it supplements and includes a large free-text area for additional policy descriptions, endorsement details, special coverage notations, or contractual compliance language.
The ACORD 101 is essential for complex accounts where standard form fields cannot accommodate all the required information.
Why It Matters for Brokers
Many certificate holders require specific language in the Description of Operations that exceeds the limited space on the ACORD 25. Without the ACORD 101, brokers cannot include all required contract compliance language, endorsement references, or project-specific descriptions. Proper use of the ACORD 101 ensures that certificates accurately reflect the coverage in force and the specific requirements of each certificate holder. This reduces certificate rejection rates and compliance disputes.
Real-World Example
A construction subcontractor's certificate holder requires a lengthy Description of Operations that includes the project name, contract number, specific additional insured endorsement numbers (CG 20 10 04 13 and CG 20 37 04 13), primary and noncontributory status, and waiver of subrogation language. The broker attaches an ACORD 101 to the ACORD 25 to accommodate all required language.
Common Mistakes
- 1Including coverage language on the ACORD 101 that is not actually supported by endorsements on the policy, creating a misrepresentation.
- 2Failing to attach the ACORD 101 when the Description of Operations is truncated on the ACORD 25, resulting in incomplete certificates.
- 3Not referencing the correct primary form number on the ACORD 101, causing confusion about which certificate it supplements.
How brokerageaudit.com Handles This
COI Manager automatically generates ACORD 101 attachments when the Description of Operations exceeds the space on the ACORD 25. The platform validates that all language in the remarks section is supported by actual policy endorsements.