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ACORD 152, Commercial Inland Marine Section, page 1
Very Complex · 82/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

ACORD Form 152, the Commercial Inland Marine Section, is a standardized insurance application used to apply for coverage on property that is mobile, in transit, or instrumental to a business's operations. It allows applicants to provide detailed information about specific items, their values, storage, and the desired coverage limits and deductibles. 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 fields780
Pages4
Sections73
Tables and lists5
Questions that depend on earlier answers8
Form Complexity IndexVery Complex, 82/100

The AI checks your answers before you download

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

Validate Policy Effective Date

This check ensures the 'EFFECTIVE DATE' (Policy_EffectiveDate_A) is a valid date in MM/DD/YYYY format and is not in the past. This is critical for establishing the correct start of the coverage period. A failed validation would mean the policy cannot be bound as the inception date is invalid, requiring the user to correct the date before submission.

Mandatory Applicant and Producer Signatures

Verifies that both the 'APPLICANT'S SIGNATURE' (NamedInsured_Signature_A) and 'PRODUCER'S SIGNATURE' (Producer_AuthorizedRepresentative_Signature_A) fields are not empty. These signatures are legally required to bind the application and confirm the information's accuracy. If either signature is missing, the form is incomplete and cannot be processed, triggering an error to collect the required authorization.

Conditional Explanation for General Information Questions

Checks the 'GENERAL INFORMATION - EQUIPMENT' section. If any of the questions (e.g., 'EQUIPMENT RENTED, LOANED TO OTHERS') are answered 'Y' (Yes), this validation ensures the corresponding 'EXPLAIN' field is not empty. This is crucial for underwriters to assess additional risks associated with equipment usage. A failure would prompt the user to provide the necessary explanation for all 'Yes' responses.

NAIC Code Format and Validity

Ensures the 'NAIC CODE' (Insurer_NAICCode_A) is a 5-digit numeric value. This code is a standard identifier for insurance companies, and its accuracy is essential for regulatory reporting and correct routing of the application. An invalid format would cause processing delays and potential misidentification of the carrier, so the system should reject non-conforming entries.

Scheduled Item Date Logic

This validation compares the 'PURCHASE DATE' (PropertyItem_ItemDetail_PurchaseDate) and 'MODEL YEAR' (PropertyItem_ItemDetail_ModelYear) for each scheduled item. The 'PURCHASE DATE' cannot be in the future, and the 'MODEL YEAR' cannot be a year after the current year. This prevents data entry errors and ensures the provided information is logical for valuation and underwriting purposes.

Consistency of Item Value and Insurance Amount

For each entry in the 'SCHEDULED ITEMS' section, this check verifies that the 'AMOUNT OF INSURANCE' (PropertyItemCoverage_ContractorsEquipment_LimitAmount) does not exceed the 'ITEM VALUE' (PropertyItem_ItemDetail_ItemValueAmount). Insuring an item for more than its value is a moral hazard and is typically not permitted. If this validation fails, the user must adjust the amounts to be logical and compliant with underwriting rules.

And 7 more checks
  • Additional Interest Completeness
  • Coinsurance Percentage Range
  • Coverage and Premium Correlation
  • Florida National Producer Number Requirement
  • Applicant and Agency Name Presence
  • Scheduled Item Minimum Data
  • Additional Interest Phone and Email Format

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How to Fill Out ACORD 152 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload your ACORD 152 form or select it from the template library.
  2. Enter the applicant, agency, and basic policy information, including the effective date and policy number if known.
  3. Complete the 'Scheduled Items' section by listing each piece of equipment with its description, manufacturer, model, year, serial number, and value.
  4. Define the insurance terms in the 'Coverages / Causes of Loss' section, specifying limits, deductibles, and coinsurance percentages.
  5. Disclose any 'Additional Interest' parties, such as lienholders or loss payees, along with their contact details and interest in the property.
  6. Answer the 'General Information' questions about equipment usage, such as whether it is rented, used underground, or operated afloat.
  7. Review the AI-populated form for accuracy, then have the producer and applicant provide their digital signatures to finalize the application.

Common Mistakes in Completing ACORD 152

The ones the AI is built to catch.

Incomplete Scheduled Item Details
Applicants frequently omit critical identifying information in the 'Scheduled Items' section, such as the 'ID # / SERIAL #', 'Manufacturer', or 'Model Year'. This often happens when the information is not readily available during form completion. Missing these details can lead to significant delays in underwriting, incorrect rating, and potential disputes or denial of a claim, as the insurer cannot uniquely identify the covered piece of equipment.
Vague Equipment Descriptions
Providing a generic description like 'Excavator' or 'Generator' instead of a specific one (e.g., '2022 Caterpillar 336 Hydraulic Excavator') is a common error. Underwriters need precise details to assess the risk and value accurately. Vague descriptions force the underwriter to request more information, delaying the quoting process and potentially resulting in inaccurate coverage or premiums.
Mismatching Valuation and Item Value
Users often misunderstand the relationship between the 'VALUATION' type (e.g., Actual Cash Value, Replacement Cost) and the 'ITEM VALUE' or 'AMOUNT OF INSURANCE' listed. For example, they might list the original purchase price for an older item but select 'Actual Cash Value' as the valuation method, leading to confusion. This discrepancy can result in being underinsured and facing significant financial loss after a claim, as the payout will be based on the policy's valuation terms, not the listed value.
Failing to Explain 'YES' Responses
In the 'GENERAL INFORMATION - EQUIPMENT' section, applicants often check 'Y/N' but neglect to provide the mandatory explanation in the 'REMARKS' section for any 'YES' answer. This is a critical omission, as these questions address high-risk scenarios like renting equipment to others or working afloat. Failure to explain can lead to automatic application rejection or, worse, denial of a claim if the undisclosed activity is a factor in the loss.
Incorrect or Incomplete 'Additional Interest' Information
This section is prone to errors, such as failing to provide the full legal name and address of the lienholder or loss payee, omitting the 'REFERENCE / LOAN #', or incorrectly identifying the type of interest. These mistakes can jeopardize the contractual obligations with a lender, as the insurer cannot properly notify or protect the interested party. To avoid this, double-check all loan documents for the correct information and ensure it is transcribed perfectly.
Omitting Standardized Codes
The form requires specific codes in fields like 'CLASS CODE', 'SUBCLASS CODE', and 'COV CODE' which correspond to standardized industry classifications. Applicants or agents sometimes leave these blank or enter descriptive text instead of the proper code. This prevents automated processing and requires manual intervention, slowing down the entire application-to-issuance timeline.
Inconsistent Schedule and Item Numbering
This complex form uses 'SCH #' and 'ITEM #' to link information across different sections, such as connecting a scheduled item on page 3 to an 'Additional Interest' on page 2. A common mistake is using inconsistent or incorrect numbers, making it impossible for the underwriter to determine which lienholder belongs to which piece of equipment. This creates ambiguity in the policy and can lead to serious issues during a claim settlement.
Ignoring or Misunderstanding Coinsurance
The 'COINS %' (Coinsurance) field is often misunderstood or left blank. This percentage represents the minimum proportion of the item's value that must be insured to avoid a penalty on partial losses. Entering an incorrect value or failing to meet the required insurance-to-value can result in a coinsurance penalty, meaning the applicant would receive a much smaller claim payment than expected.
Missing Producer Licensing and Signature Information
On the final page, producers may forget to include their signature, 'NATIONAL PRODUCER NUMBER' (which is explicitly required in states like Florida), or their state license number. This is an administrative error that can bring the entire process to a halt. The application is not considered legally submitted without the proper producer attestation, causing rejections and delays.
Confusing Blanket vs. Scheduled Coverage
Applicants often struggle to correctly differentiate between items that should be covered under a blanket limit versus those that need to be individually scheduled. They might list a high-value, unique item under a blanket limit or fail to schedule it at all, which may violate policy terms. This can lead to inadequate coverage for key equipment, as blanket coverage often has a lower per-item limit and may not be sufficient for specialized assets.

Frequently Asked Questions About ACORD 152

 

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This plan is for your ACORD 152: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
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How does the AI fill out ACORD 152?
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 152, 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 152 to fill out?
ACORD 152 has a Form Complexity Index of 82 out of 100, in the very complex tier: 780 fillable fields across 4 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 152 form used for?
The ACORD 152, or Commercial Inland Marine Section, is an insurance application used to obtain coverage for business property that is mobile or in transit, such as contractor's tools and equipment. It is typically submitted as an attachment to the main commercial insurance application, ACORD 125.
Who needs to fill out this form?
Businesses that own, lease, or are responsible for mobile equipment and property that is moved between locations should complete this form. This is common for contractors, photographers, and other professionals who transport valuable tools and equipment for their work.
What information do I need for the 'Scheduled Items' section on page 3?
For each piece of equipment you want to insure, you must provide a detailed description, including the manufacturer, model, year, and serial number. You will also need to state its value, purchase date, and whether it is new or used.
What is an 'Additional Interest' and why do I need to list it?
An 'Additional Interest' is a person or entity, other than the insured, who has a financial stake in the property, such as a bank that provided a loan for the equipment. You must list them to ensure their interest is protected under the policy, as they may be entitled to payment in the event of a loss.
What is the difference between 'Scheduled' and 'Blanket' coverage?
Scheduled coverage insures specific, individual items that are listed on the form with their own value, while blanket coverage provides a single limit for a group of items without listing each one individually. Your agent can help you decide which is more appropriate for your property.
I rent equipment from others. Do I need to declare this?
Yes, on page 2 under 'General Information - Equipment', you must answer the question 'Equipment rented, loaned from others...'. This is crucial information for the insurer to accurately assess risk and determine the correct coverage and premium.
What does the 'Valuation' field mean?
Valuation refers to how the value of your property will be determined in case of a claim, typically either 'Actual Cash Value' (ACV) which accounts for depreciation, or 'Replacement Cost' (RC) which does not. The choice affects your premium and how much you would receive after a loss.
What should I do if I have more equipment than fits on the form?
If you have more items than can be listed on the 'Scheduled Items' page, you can attach additional copies of page 3 or a separate schedule document. Ensure all pages are clearly numbered and referenced within the application.
Where do I submit the completed ACORD 152 form?
You will typically complete this form with your insurance agent or producer. They will then submit it to the insurance carrier as part of your complete application package for a new policy or a policy change.
Can AI tools help me fill out this form?
Yes, services like Instafill.ai use AI to auto-fill form fields accurately and save time. This can be especially helpful for repetitive information and ensuring details from your records are entered correctly.
How can I fill out this form online using Instafill.ai?
To fill this form online, you can upload the ACORD 152 PDF to the Instafill.ai platform. The AI will make the form fillable, and you can use its features to quickly populate your business information and equipment schedules before downloading the completed document.
My PDF version of the ACORD 152 is not fillable. What can I do?
If you have a flat or non-fillable PDF, you can use a service like Instafill.ai to help. The platform can convert non-fillable PDFs into interactive forms that you can easily complete on your computer.
Who needs to sign the form on page 4?
Both the applicant (an authorized representative of your business) and the insurance producer (your agent) must sign and date the form. The signature confirms that the information provided is true and complete to the best of your knowledge.
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