Filling ACORD Forms with SoterAI
The ACORD Forms workflow finds and fills the ACORD forms you need for a client — applications, coverage sections, supplements, loss run requests, evidence of insurance and more. You describe the task in plain language, share your client's documents, and SoterAI picks the right forms, fills them from those documents, and gives you back completed PDFs to review.
You don't need to upload blank forms or know form numbers: the blank forms are already on the platform.
At a glance
| Topic | Details |
|---|---|
| What you provide | A description of the task (or the form numbers, if you know them), plus your client's documents — policies, prior applications, schedules, vehicle and driver lists, loss runs, emails. You can also type details into the chat. |
| What you get | Filled ACORD PDFs, ready for your review, with a list of anything that is still missing. |
| What it won't do | Sign, attest, bind coverage or submit anything to a carrier. Signature fields are left blank for the right person to sign. |
| Forms available | 20 ACORD forms, including state versions for California, Florida, Georgia, Arkansas, Minnesota and Montana — see Supported ACORD forms. |
How it works
- 1Describe the task. Tell SoterAI what you are trying to do, for example “Prepare a renewal submission for a manufacturing client's property and general liability.” If you already know which forms you need, you can name them instead. If the request is ambiguous, SoterAI asks a clarifying question before choosing forms.
- 2Share your client's information. Upload the documents you have and add anything else in the chat. SoterAI reuses what you have already given it, so the same detail only needs to be provided once, even when it appears on several forms.
- 3SoterAI selects the forms. It picks the forms that match your task from the supported list — for example, ACORD 125 with the coverage sections you actually asked for — and briefly explains what each one is for. It doesn't add forms you don't need.
- 4Answer any follow-up questions. If information is missing or two documents disagree, SoterAI asks targeted, grouped questions. If you can't answer, the field is left blank and flagged.
- 5Review and download. You receive the completed PDFs in the chat, along with a short list of fields that still need attention. Review them before signing or sending them on.
Example requests
- “Get general liability quotes for this client.” — typically ACORD 125 + 126
- “Quote the company vehicles.” — typically ACORD 125 + 127
- “Insure our building, inventory and contents.” — typically ACORD 125 + 140
- “Insure a contractor's business.” — typically ACORD 125 + 126 + 186
- “Obtain umbrella coverage.” — typically ACORD 125 + 131
- “Get workers compensation coverage in California.” — the California version of ACORD 130
- “Request five years of claims history from the previous insurer.” — ACORD 611
- “Our lender needs evidence of commercial property insurance.” — usually ACORD 28
These are typical starting points. The final set always depends on the coverages you ask for and on what the carrier requires.
Supported ACORD forms
These are the forms currently available to the workflow. Where a state version exists, SoterAI uses it when your task or your client's documents point to that state.
Applications and coverage sections
| Form | Title | Versions and editions |
|---|---|---|
| ACORD 125 | Commercial Insurance Application — Applicant Information Section | Standard (2025/03) · California (2023/01) · Florida (2016/03) |
| ACORD 126 | Commercial General Liability Section | 2025/03 |
| ACORD 127 | Business Auto Section | 2015/12 |
| ACORD 130 | Workers Compensation Application | Standard (2026/08) · California (2023/01) · Florida (2019/07) |
| ACORD 131 | Umbrella / Excess Section | 2017/11 |
| ACORD 140 | Property Section | 2016/03 |
| ACORD 147 | Installation / Builders Risk Section | 2016/03 |
| ACORD 152 | Commercial Inland Marine Section | 2015/06 |
| ACORD 210 | Yacht Section | 2016/03 |
| ACORD 402 | Agriculture Property Section | 2016/03 |
| ACORD 403 | Scheduled Agriculture Property and Unscheduled Farm Personal Property Section | 2016/03 |
| ACORD 807 | Directors & Officers Liability Section | Standard · Arkansas · Minnesota · Montana (all 2016/03) |
Supplements
| Form | Title | Edition |
|---|---|---|
| ACORD 186 | Contractors Supplement | 2011/10 |
| ACORD 810 | Business Income / Extra Expense / Rental Value — Supplement to Property Section | 2014/12 |
| ACORD 811 | Value Reporting Information — Supplement to Property Section | 2014/12 |
Requests
| Form | Title | Edition |
|---|---|---|
| ACORD 611 | Claims History / Loss Run Request | 2015/07 |
Certificates, evidence of insurance and logs
| Form | Title | Versions and editions |
|---|---|---|
| ACORD 25 | Certificate of Liability Insurance | Standard (2025/12) · Georgia (2026/09) |
| ACORD 26 | Policy Certification Log | 2002/01 |
| ACORD 27 | Evidence of Property Insurance | 2016/03 |
| ACORD 28 | Evidence of Commercial Property Insurance | 2016/03 |
Things to know
Nothing is made up
Every value comes from your documents or from what you type in the chat. Anything SoterAI can't support from those sources stays blank and appears in the missing-information list.
Blank, "No" and "not applicable" are different
SoterAI only marks a question "No" when your information says so; otherwise it leaves the answer blank for you.
Partial drafts are fine
You can download forms that still have gaps — they are returned as drafts, not as completed submissions.
Signatures stay blank
The workflow never signs or attests on anyone's behalf, and it doesn't bind coverage or send anything to a carrier.
Forms outside the list
If your task needs a form that isn't listed above (for example ACORD 101 Additional Remarks or ACORD 45 Additional Interest), SoterAI tells you rather than substituting a different form. Some sections are normally attached to a base form that isn't in the list yet — ACORD 807 attaches to ACORD 825, and ACORD 402/403 attach to ACORD 401.
Always review before sending
Carrier requirements decide the final packet, so check the filled forms before they go to a market.
Availability
The ACORD Forms workflow is available on request for brokerage workspaces. Contact your Soter Analytics account manager to have it enabled. Once it's enabled for your workspace, it appears in the Library under Shared with you, and you can add it to My Workflows from there — see Finding and adding workflows.