The umbrella and excess liability section. Captures requested limits and retained limit, the schedule of underlying liability policies, and the exposures the umbrella sits over.
The ACORD 131 is the Umbrella / Excess Section. It is used to apply for umbrella or excess liability coverage – a separate policy that sits over the insured's primary liability and compensation policies (such as general liability, auto liability, and employers liability) and provides higher limits above them.
A complete umbrella / excess application is the ACORD 125 plus the ACORD 131. The 125 carries the applicant information; the 131 carries the umbrella-specific detail: the transaction type, requested limits and retained limit, employee benefits liability, the primary location and subsidiaries, a schedule of every underlying policy, and the exposures behind those policies – vehicles, property in the applicant's care, custody or control, and a set of additional exposure questions.
The 131 does not replace the line-specific forms for the underlying coverages. Vehicle schedules and drivers still go on the ACORD 127 (Business Auto Section), general liability detail on the 126, and workers' comp and employers liability on the 130. The 131 lists those policies so the umbrella underwriter can see what the excess layer will sit on top of.
The 131 is the Umbrella / Excess Section, not a commercial auto application. Vehicle schedules, driver lists, and auto coverage selections belong on the ACORD 127. The 131 only summarizes vehicle types and counts for the umbrella underwriter.
A complete umbrella / excess application is the ACORD 125 plus the ACORD 131. Some applicant information appears only on the 125, so a 131 on its own is incomplete.
Carrier names, policy numbers, dates, or limits that differ from the underlying declarations pages lead to follow-up questions before the underwriter can quote. Check each entry against the current policies.
The form asks for an explanation of every 'yes' response in the underlying general liability and additional exposure sections. Leaving explanations blank sends the application back for more information.
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