ACORD 137 (Commercial Auto Application)
The ACORD supplement form used to capture commercial automobile insurance application data including fleet and driver information.
What It Is
The ACORD 137 is the Commercial Automobile section that supplements the ACORD 125. It captures vehicle information, driver data, coverage selections, radius of operations, and auto-specific underwriting details including DOT numbers, cargo hauled, and fleet size.
The form works in conjunction with the ACORD 23 (Vehicle Schedule) and ACORD 127 (Driver Schedule) to provide a complete picture of the commercial auto risk. It includes sections for hired and non-owned auto coverage, garage locations, and any applicable state-specific requirements.
For trucking and transportation accounts, the ACORD 137 captures additional details about commodities hauled, operating radius, and regulatory compliance.
Why It Matters for Brokers
Commercial auto is one of the hardest lines to place in the current market. A thorough ACORD 137 with complete vehicle schedules and driver information gives underwriters confidence in the risk and improves the chances of receiving a competitive quote. Brokers who submit incomplete ACORD 137 forms — missing driver MVRs, incomplete vehicle lists, or vague radius descriptions — often find their submissions declined or quoted with significant surcharges that reflect the underwriter's uncertainty.
Real-World Example
A plumbing company with a fleet of 12 service vans needs commercial auto coverage. The broker completes the ACORD 137 documenting a 50-mile operating radius, no DOT requirements, hired and non-owned auto coverage for employees using personal vehicles, and attaches an ACORD 23 with all 12 VINs. The ACORD 127 lists all 18 drivers with their license numbers and dates of birth for MVR ordering.
Common Mistakes
- 1Omitting hired and non-owned auto coverage on the ACORD 137 for accounts where employees use personal vehicles for business errands.
- 2Not listing all drivers who operate company vehicles, which can result in coverage disputes if an unlisted driver has an accident.
- 3Failing to update the radius of operations, which affects underwriting when a business expands its service area.
How brokerageaudit.com Handles This
Submission Intake extracts fleet data from the ACORD 137 and ACORD 23, validates VINs, and cross-references driver lists with MVR data. The platform flags missing drivers, expired licenses, and vehicles without the correct coverage symbols.