ACORD 126, Commercial General Liability Section
What is ACORD 126?
The ACORD 126 is the supplemental application form for commercial general liability coverage. It accompanies the ACORD 125 and provides the detailed liability-specific information that underwriters need: classification codes, premium basis, products/completed operations exposure, and specific liability hazards.
This form drives the rating process for CGL policies. The classification codes and exposure bases entered here directly determine the premium calculation, making accuracy critical.
When do brokers use ACORD 126?
Every commercial general liability submission requires an ACORD 126. It is completed alongside the ACORD 125 as part of the standard submission package. Brokers use it for new business, renewals with exposure changes, and mid-term modifications that affect CGL coverage.
Key fields explained
Classification
CGL class codes, description of operations, premium basis (sales, payroll, area, units), and estimated annual exposure.
General Information
Policy type (occurrence vs claims-made), retroactive date, deductible/SIR details.
Premises/Operations
Subcontractor usage, hold harmless agreements, safety programs.
Products/Completed Operations
Product types, distribution methods, recall history, warranty details.
Additional Coverages
Employee benefits liability, liquor liability, pollution, professional liability extensions.
Common mistakes to avoid
Selecting the wrong classification code, leads to incorrect premium and potential coverage gaps
Underestimating exposure basis (sales, payroll) which triggers audit premium adjustments
Not disclosing subcontractor usage which affects the aggregate limit calculation
Failing to request occurrence form when the client needs tail-free coverage
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Related ACORD forms
Download the official form
Official ACORD forms are available from ACORD.org. This page explains how to complete the form, visit ACORD for the actual document.
Visit ACORD.orgAuto-populate ACORD 126 from your AMS client data with BrokerageAudit
BrokerageAudit automates ACORD form processing, verification, and tracking, so your team can focus on clients instead of paperwork.