ACORD 126 Supplemental Schedule
Additional schedule pages attached to the ACORD 126 for accounts with multiple locations or complex liability exposures.
What It Is
The ACORD 126 Supplemental Schedule provides additional pages for the Commercial General Liability section when the primary ACORD 126 form cannot accommodate all location data, classification codes, or exposure information. This is common for accounts with multiple premises, diverse operations, or complex liability exposure profiles.
Each supplemental page follows the same format as the corresponding section of the ACORD 126, allowing brokers to document additional locations, additional classification codes, and premises-specific exposure data.
The supplemental schedule ensures that underwriters receive a complete picture of the risk without the broker having to use non-standard formats or free-form attachments.
Why It Matters for Brokers
Many commercial accounts operate from multiple locations with different classification codes at each site. Without supplemental schedules, brokers either compress information into inadequate space or use non-standard formats that underwriters may overlook or misinterpret. Complete and properly formatted supplemental schedules demonstrate professionalism and give underwriters confidence that the broker understands the account. This often translates to faster quote turnaround and more competitive terms.
Real-World Example
A restaurant group operates 8 locations across three states. The broker uses the ACORD 126 supplemental schedule to document each location's address, classification code, annual revenue, number of employees, liquor liability exposure, and specific operations (fine dining vs. fast casual). The underwriter can evaluate each location individually while quoting the account as a program.
Common Mistakes
- 1Combining multiple locations onto a single line item, preventing the underwriter from evaluating each location's unique risk characteristics.
- 2Using inconsistent classification codes across supplemental pages for similar operations, creating confusion during underwriting.
- 3Omitting supplemental pages entirely for secondary locations, leaving the underwriter unaware of the full scope of operations.
How brokerageaudit.com Handles This
Submission Intake automatically generates supplemental schedule pages when multi-location data exceeds the primary form capacity. The platform validates classification codes and exposure data across all locations for consistency.