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ACORD 144, Glass and Sign Section, page 1
Complex · 66/100Form Complexity Index

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What this form asks for

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ACORD 144, also known as the Glass and Sign Section, is a supplemental insurance application form used in conjunction with other commercial property applications like ACORD 125. It allows businesses to provide detailed information about their glass installations and signs, including schedules, descriptions, and values, to obtain specific insurance coverage. This detailed information is crucial for underwriters to accurately assess risk and determine premiums. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields255
Pages3
Form Complexity IndexComplex, 66/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Effective Date Format and Logic

This check validates that the 'EFFECTIVE DATE' is a valid date in MM/DD/YYYY format. It also ensures the effective date is not in the past, or is on or after the form's completion date. This prevents backdating policies incorrectly and ensures the policy starts on a valid, future-facing date. If the date is invalid, the form submission should be rejected with an error message prompting for correction.

NAIC Code Format

This validation ensures that the 'NAIC CODE' field contains a valid 5-digit numerical code. The NAIC code is a standard identifier for insurance companies, and an incorrect or improperly formatted code can lead to misidentification of the carrier and processing delays. A failed validation should trigger an error asking the user to enter a valid 5-digit code.

Applicant Name Completeness

This check ensures that the 'APPLICANT / FIRST NAMED INSURED' field is not empty. This is a critical field for identifying the policyholder and is legally required for the insurance contract to be valid. A submission with a missing applicant name should be blocked until the information is provided.

Glass Schedule Area Calculation

For each row in the 'GLASS SCHEDULE', this check verifies that the 'AREA' value is the product of the 'LENGTH' and 'WIDTH' values. This ensures data integrity and accuracy in the schedule, which is used for rating and risk assessment. If the calculation is incorrect, the system should flag the row and prevent submission until the discrepancy is resolved.

Glass Schedule Item Completeness

This validation checks that if a 'LIMIT OF INSURANCE' is entered for an item in the 'GLASS SCHEDULE', then the corresponding 'DESCRIPTION' and 'PLATE SIZE' fields for that item are also filled out. It is impossible to underwrite or price coverage for an item that is not described. A failure would require the user to provide the missing description or remove the limit of insurance.

Sign Schedule Item Completeness

This validation ensures that if a 'LIMIT OF INSURANCE' is entered for an item in the 'SIGN SCHEDULE', the corresponding 'DESCRIPTION' field for that sign is also completed. Similar to the glass schedule, this is crucial for proper risk evaluation and rating. If the description is missing, the system should prompt the user to provide it before proceeding.

And 8 more checks
  • Conditional Explanation for 'Yes' Responses
  • Total Premium Calculation
  • Applicant Signature Presence
  • Applicant Signature Date Validity
  • Florida National Producer Number Requirement
  • Glass Plate Count Validity
  • Limit and Deductible Value Format
  • Producer Signature Presence

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How to Fill Out ACORD 144 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the ACORD 144 form.
  2. Provide the basic applicant, agency, and policy information in the header section.
  3. Complete the 'Glass Schedule' by entering details for each glass plate, including its dimensions, description, use, and the requested insurance limit and deductible.
  4. Fill out the 'Sign Schedule' by listing each sign, its description, whether it's inside or outside, and the corresponding insurance limit and deductible.
  5. Answer all questions in the 'General Information' section for both glass and sign coverage, providing explanations for any 'Yes' responses in the remarks section.
  6. Review all entered information for accuracy, then use the platform's tools to apply the required producer and applicant signatures.
  7. Securely download, save, or share the completed ACORD 144 form directly from the platform.

Common Mistakes in Completing ACORD 144

The ones the AI is built to catch.

Inadequate Glass or Sign Descriptions
Applicants often provide vague descriptions like 'window' or 'store sign' in the schedule sections. The form requires specific details such as lettering, ornamentation, class of glass, or for signs, whether they are neon, electrical, their construction, and size. This lack of detail can lead to underinsurance or disputes during a claim, as the insurer cannot accurately assess the replacement value. To avoid this, provide a comprehensive description for each item, and consider using tools like Instafill.ai which can prompt for necessary details to ensure completeness.
Failing to Explain 'YES' Responses
The form explicitly requires an explanation for all 'YES' answers in the General Information section, but this is frequently missed. For example, checking 'YES' to 'IS ANY GLASS STRUCTURAL?' without explaining which glass and where creates ambiguity and forces the underwriter to request more information. This oversight halts the application process and delays quoting and binding. Always review the form for conditional requirements and use the remarks section if the provided space is insufficient.
Inaccurate Glass Measurements and Area Calculation
In the Glass Schedule, applicants may enter incorrect length and width measurements or miscalculate the total area. This often happens due to simple measurement errors or confusion about units (e.g., inches vs. feet). Incorrect dimensions lead to inaccurate risk assessment and premium calculation, potentially resulting in being underinsured. Double-check all measurements on-site and verify calculations before submission; AI-powered tools can also help by performing automatic calculations to prevent arithmetic errors.
Omitting Pre-existing Damage
When answering question #11, 'DOES GLASS OR SIGNS HAVE SCRATCHES, CRACKS OR DEFECTS?', applicants may be tempted to answer 'NO' to avoid higher premiums or denial, even if minor damage exists. This is a form of misrepresentation that can lead to the policy being voided or a future claim for the damaged item being denied. It is critical to disclose all existing defects honestly; the insurer may simply exclude the pre-existing damage from coverage rather than deny the policy outright.
Incorrectly Identifying Building and Item Numbers
The 'BLDG #' and 'ITEM #' fields are used to link specific glass panes or signs to properties listed on other forms, like the ACORD 125. Applicants often leave these blank or use inconsistent numbering, making it impossible for the insurer to know which item belongs to which building. This can cause major confusion and claim denials if the location of the damaged property cannot be verified. Ensure these numbers are used logically and correspond directly to the property schedule.
Misunderstanding Specialized Terms like 'Structural Glass'
Applicants may not understand technical insurance terms on the form, such as 'structural glass' (question #9) or 'angle settings' (question #2), and answer incorrectly. Answering 'No' when a building has glass curtain walls, for instance, materially misrepresents the risk and could void coverage for those elements. If unsure about a term, it is crucial to ask the agent or broker for clarification before completing the section.
Forgetting to Attach Required Core ACORD Forms
The top of the form clearly states 'Attach to ACORD 125 and ACORD 140', but applicants or agents sometimes submit the ACORD 144 as a standalone document. This form is a supplemental section and is meaningless without the context of the main commercial application (ACORD 125) and property section (ACORD 140). Submitting it alone will result in an immediate rejection for being incomplete. Always bundle the required forms together as a single submission package.
Leaving 'Use and Position in Building' Blank
The 'USE AND POSITION IN BUILDING' column in the Glass Schedule is a critical risk factor that is often overlooked. A ground-floor storefront window has a much higher risk of vandalism or breakage than an interior office window on the 10th floor. Failing to provide this information prevents the underwriter from accurately pricing the risk and will lead to follow-up questions, delaying the entire process. Be specific about each item's exact location and function.
Missing Signatures or Dates
A common and easily avoidable error is forgetting to sign and date the application in the designated fields for the applicant and producer. An unsigned application is not legally binding and cannot be processed by the insurance carrier, causing unnecessary delays. Always perform a final review of all pages to ensure all signature and date fields are properly completed. Using digital form fillers can help by highlighting required signature fields before submission.
Incorrectly Summing Limits and Premiums
The form includes fields for individual item limits and a 'TOTAL PREMIUM' at the bottom of each schedule. Manual calculation of these totals is prone to error, leading to discrepancies between the itemized values and the stated total. This can cause confusion in billing and, more importantly, may result in the total insured value being incorrect. Using a tool like Instafill.ai, which can be used to make flat PDFs fillable and can automate calculations, helps ensure accuracy and prevents such mathematical errors.

Frequently Asked Questions About ACORD 144

 

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How does the AI fill out ACORD 144?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of ACORD 144, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is ACORD 144 to fill out?
ACORD 144 has a Form Complexity Index of 66 out of 100, in the complex tier: 255 fillable fields across 3 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the ACORD 144 form used for?
The ACORD 144 is a supplemental form used to apply for commercial insurance coverage for glass and signs. It provides the insurer with detailed information about the specific glass plates and signs you wish to insure.
Who needs to complete this form?
Any business or individual applying for commercial property insurance who wants specific coverage for glass features or business signs should complete this form. It is submitted along with a general commercial insurance application like the ACORD 125.
The form says 'Attach to ACORD 125 and ACORD 140'. What are those?
ACORD 125 is the Commercial Insurance Application, and ACORD 140 is the Property Section. The ACORD 144 is an add-on that provides the specific details about glass and signs required for that property coverage.
What information do I need for the 'Glass Schedule'?
For each piece of glass you want to insure, you will need to provide its dimensions, a description including any lettering, its location in the building, and the desired insurance limit and deductible.
How do I fill out the 'Sign Schedule'?
For each sign, you must provide a detailed description (e.g., neon, electrical, size), indicate if it's located inside or outside, and state the limit of insurance and deductible you are requesting.
My sign has a small crack. How do I report this on the form?
You must disclose this in the 'GENERAL INFORMATION' section by checking 'Yes' for question 11, 'DOES GLASS OR SIGNS HAVE SCRATCHES, CRACKS OR DEFECTS?'. You should then provide a detailed explanation in the space provided or in the Remarks section.
What does 'Is any glass structural?' mean?
This question asks if any of the glass is a load-bearing part of the building's structure, such as glass walls or floors, rather than just a simple window pane. You should answer 'Yes' if the glass provides structural support.
I have a sign that isn't attached to my building. Can I insure it with this form?
Yes, but you must disclose it by answering 'Yes' to question 14, 'ANY SIGNS OFF PREMISES OR NOT ATTACHED TO BUILDING?'. Provide details about its location and type in the explanation box or the Remarks section.
What is the 'Remarks' section for?
The Remarks section is used to provide additional information or explanations for any of the questions on the form. If you need more space than is provided for a specific question, you can reference it and continue your answer here.
Who needs to sign this form?
Both the applicant (or an authorized representative of the business) and the insurance producer (agent) must sign and date the form. Their signatures certify that the information provided is true and complete to the best of their knowledge.
The form mentions 'Builders Risk Section'. Is this form only for construction projects?
While the header mentions 'Builders Risk Section,' the form's primary content is the 'Glass and Sign Section,' which is applicable to any commercial property. It does, however, have a specific question to identify if the property is under construction, making it useful in both scenarios.
Can I use an AI tool to help me fill out this form?
Yes, AI-powered services like Instafill.ai can help you complete this form accurately and efficiently. These tools can auto-fill fields based on your provided information, reducing manual entry and saving time.
How can I fill out the ACORD 144 form online?
You can use a service like Instafill.ai to fill out the form online. Simply upload the ACORD 144 PDF, and the platform will make it an interactive, fillable form that you can complete, sign, and download from your browser.
The PDF I received is not fillable. What can I do?
If you have a flat, non-fillable PDF, you can use a service like Instafill.ai to convert it into an interactive, fillable form. This allows you to easily type your information directly into the fields without needing to print and write by hand.
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Other forms like this one

ACORD forms: ACORD 84, Dwelling Fire Application (2013/09), ACORD 140 (2014/12), Property Section (Attach to ACORD 125), ACORD 36, Agent/Broker of Record Change, ACORD 131, Umbrella / Excess Liability Section, ACORD 125, Commercial Insurance Application and ACORD 143, Transportation Section, ACORD 125, Commercial Insurance Application, ACORD 125, Commercial Insurance Application, Applicant Information Section, ACORD 27, Evidence of Property Insurance, ACORD 24, Certificate of Property Insurance, ACORD 28, Evidence of Commercial Property Insurance, ACORD 141, Commercial Insurance Application - Crime Section, ACORD 140, Property Section, ACORD 80, Homeowner Application, ACORD 82, Watercraft Application, ACORD 85, Mobile Home Application, ACORD 160, Property Loss Notice, ACORD 75, Insurance Binder, ACORD 83, Personal Umbrella Application, ACORD 137 CA, Commercial Auto Application - California, ACORD 81, Personal Inland Marine Application (2012/02)

builders risk forms: ACORD 147, Installation / Builders Risk Section, ACORD 147 (2001/02), Installation/Builders Risk Section

construction insurance forms: ACORD 147, Installation / Builders Risk Section, ACORD 145, Accounts Receivable / Valuable Papers, ACORD 146, Equipment Floater Section, ACORD 147 (2001/02), Installation/Builders Risk Section

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