ACORD 127 — Business Auto Section
What is ACORD 127?
The ACORD 127 is the supplemental application for commercial automobile insurance. It accompanies the ACORD 125 and captures vehicle-specific information including vehicle schedules, driver lists, radius of operation, and coverage selections.
This form is essential for any commercial auto submission. Underwriters use it to evaluate fleet size, vehicle types, driver experience, and loss history to price the coverage appropriately.
When do brokers use ACORD 127?
Required for every commercial auto insurance submission. Used for business auto policies covering owned vehicles, hired and non-owned auto, and fleet operations. The form captures vehicle identification numbers, garaging locations, and use classifications.
Key fields explained
Vehicle Schedule
Year, make, model, VIN, cost new, and garaging address for each vehicle.
Driver Schedule
Name, date of birth, license number, years experience, and driving record for each driver.
Coverage Selections
Liability limits, physical damage (comprehensive/collision), uninsured/underinsured motorist, medical payments.
Radius of Operation
How far vehicles travel from their garaging location — local, intermediate, or long distance.
Common mistakes to avoid
Missing VINs or incorrect vehicle identification numbers
Not listing all drivers who operate the vehicles
Incorrect radius of operation classification affecting premium
Omitting hired and non-owned auto exposure
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.
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