ACORD 133 (Contractors Supplement)
An ACORD supplemental form capturing construction-specific information for contractor insurance applications.
What It Is
The ACORD 133 is a supplemental form designed specifically for contractor accounts. It captures construction-specific information that standard commercial application forms do not address, including largest project size, type of work performed (new construction, renovation, demolition), subcontractor usage and oversight practices, and safety programs.
The form also documents whether the contractor works on residential or commercial projects, their experience with specific construction types (wood frame, steel, concrete), and any specialty operations like hot work, blasting, or crane operations.
This supplement is typically attached to the ACORD 125/126/130 submission package when the insured is a construction contractor.
Why It Matters for Brokers
Construction accounts require specialized underwriting that general commercial forms cannot adequately address. The ACORD 133 provides the construction-specific data that underwriters need to properly evaluate the risk. Brokers specializing in construction must master this form because incomplete or inaccurate contractor supplements are a leading reason for declined submissions in this class of business.
Real-World Example
A mechanical contractor applies for a package policy. The broker completes the ACORD 133 documenting that the firm does 70% commercial new construction and 30% renovation, their largest single project is $8M, they use an average of 12 subcontractors per project with written subcontracts and insurance requirements, and they have an OSHA-compliant safety program with a dedicated safety manager. The detailed supplement enables the underwriter to quote competitively without extensive follow-up.
Common Mistakes
- 1Understating the largest project size, which causes the underwriter to apply an incorrect project capacity tier.
- 2Failing to document subcontractor oversight practices, which is a critical underwriting factor for general contractors.
- 3Omitting information about specialty operations like demolition or hot work that require specific endorsements.
How brokerageaudit.com Handles This
Submission Intake provides construction-specific data validation for the ACORD 133, ensuring project sizes align with reported revenue and subcontractor usage is consistent with the type of work described.