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ACORD 28, Evidence of Commercial Property Insurance, page 1
Complex · 67/100Form Complexity Index

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What this form asks for

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The ACORD 28, Evidence of Commercial Property Insurance form, is a crucial document in business and real estate transactions. It serves as a snapshot of an active commercial property insurance policy, detailing coverages, limits, deductibles, and interested parties, without conferring any rights or altering the policy itself. This standardized proof of insurance is essential for lenders, landlords, and other stakeholders who require verification of coverage. 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 fields159
Pages1
Sections38
Questions that depend on earlier answers39
Form Complexity IndexComplex, 67/100

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.

Policy Period Chronology

Ensures the 'Policy_ExpirationDate_A' is chronologically after the 'Policy_EffectiveDate_A'. A policy cannot expire before it begins. This is a fundamental check for the validity of the policy term. If this validation fails, the form is considered invalid as the coverage period is illogical.

NAIC Code Format

Validates that the 'Insurer_NAICCode_A' field contains a valid 5-digit numeric code. The NAIC code is a standard, unique identifier for insurance companies. An incorrect or missing code can lead to misidentification of the carrier, causing issues with regulatory reporting and claims processing.

Core Policy Information Completeness

Verifies that essential fields such as 'NamedInsured_FullName_A', 'Policy_PolicyNumberIdentifier_A', 'Policy_EffectiveDate_A', and 'CommercialPropertyCoverage_Property_LimitAmount_A' are not empty. These fields are the minimum required information to identify the insured, the policy, and the primary coverage amount. A submission lacking this data is incomplete and cannot be processed.

Conditional Coinsurance Percentage Requirement

Checks that if the 'CommercialPropertyCoverage_Coinsurance_YesIndicator_A' is marked 'YES', the corresponding 'CommercialProperty_Premises_CoinsurancePercent_A' field is populated with a valid percentage (e.g., 80, 90, 100). Coinsurance is a critical factor in calculating claim payouts. Failure to provide the percentage when coinsurance applies makes it impossible to determine potential claim penalties.

Conditional Business Income Limit

Ensures that if 'CommercialPropertyCoverage_BusinessIncomeOrRentalValue_YesIndicator_A' is checked, the 'CommercialPropertyCoverage_BusinessIncomeOrRentalValue_LimitAmount_A' field contains a valid monetary value. This is crucial because indicating coverage exists without specifying the limit is ambiguous and unacceptable for underwriting or for a certificate holder. The form would be rejected for clarification.

Producer Email Address Format

Validates that the 'Producer_ContactPerson_EmailAddress_A' field contains a string that conforms to the standard email address format (e.g., '[email protected]'). This is important for ensuring reliable electronic communication with the producer for follow-up questions or notifications. An invalid format would prevent communication and cause processing delays.

And 8 more checks
  • Peril Type Selection
  • Address Completeness for Named Insured
  • Logical Check for 'Continued Until Terminated'
  • Conditional Requirement for Blanket Coverage Value
  • Additional Interest Information Completeness
  • Date Field Format (MM/DD/YYYY)
  • Property Type Specification
  • Conditional Requirement for Fungus Exclusion Form ID

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How to Fill Out ACORD 28 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload your ACORD 28 form or select it from a template library.
  2. Provide the producer (agency) and named insured's contact information for the AI to populate in the appropriate sections.
  3. Enter the insurer's name, policy number, and the effective and expiration dates of the commercial property policy.
  4. Detail the property information, including the location and description, and specify the coverage types, limits, and deductibles.
  5. Indicate any special coverages or exclusions, such as for terrorism, flood, or equipment breakdown, by checking the relevant boxes and providing limit details.
  6. List any additional interests, such as a mortgagee or loss payee, along with their contact information and interest type.
  7. Review all the information populated by the AI for accuracy, then download, print, or securely share the completed ACORD 28 form.

Common Mistakes in Completing ACORD 28

The ones the AI is built to catch.

Inconsistent Conditional Field Entries
Users often check 'YES' for a specific coverage type, such as Business Income or Equipment Breakdown, but then fail to enter the required Limit and Deductible amounts in the adjacent fields. This leaves the evidence of insurance incomplete and ambiguous, potentially leading to rejection by the certificate holder (like a lender) and delays in processing loans or contracts. To avoid this, always double-check that every 'YES' selection has all corresponding financial details filled in from the policy declarations.
Misclassifying the Additional Interest
The form requires specifying the nature of the additional interest (e.g., Mortgagee, Loss Payee, Lender's Loss Payable). People frequently select the wrong category or leave it blank, which can have significant legal and financial consequences, as different categories confer different rights under the policy. This error can delay transactions and may not provide the intended protection to the third party. Always verify the required interest type with the requesting party before completing this section.
Omitting the Coinsurance Percentage
When 'YES' is selected for Coinsurance, it is mandatory to fill in the applicable percentage. This value is critical as it determines how the insurer calculates payments in the event of a partial loss and can result in a significant penalty if the property is underinsured. Forgetting this percentage makes the form incomplete and can misrepresent the policy terms, causing disputes during a claim. Ensure the correct percentage is entered directly from the policy declarations page.
Vague or Incomplete Property Description
The 'LOCATION / DESCRIPTION' field is often filled with just a street address, omitting crucial details for properties with multiple buildings or specific insured areas. This ambiguity can lead to disputes over which specific building or part of a property is actually covered. To prevent this, provide the full address and a clear description, such as 'Building A at 123 Main St.' or 'Business Personal Property on 2nd Floor'.
Contradictory Terrorism Coverage Answers
The form has several related questions about terrorism coverage, including whether it's provided and if specific exclusions apply. A common mistake is to provide conflicting answers, such as checking 'YES' for terrorism coverage but also 'YES' for a terrorism-specific exclusion without clarification. This creates confusion and can lead to the form being rejected. Carefully review the policy to ensure all terrorism-related questions are answered consistently.
Transposing Policy Numbers or Dates
Simple data entry errors, like transposing digits in the policy number or entering incorrect effective/expiration dates, are very common. An incorrect policy number can make it impossible for the recipient to verify coverage, while wrong dates can falsely indicate a lapse in coverage. These errors lead to immediate rejection and require re-issuance, delaying important business processes. AI-powered tools like Instafill.ai can help prevent this by validating data formats and saving correct information for future use.
Omitting Ordinance or Law Coverage Details
The 'ORDINANCE OR LAW' section is broken into three distinct coverages: Undamaged Portion, Demolition Costs, and Increased Cost of Construction. A frequent error is to check 'YES' for one of these without specifying the individual limits and deductibles for each. This provides an incomplete picture of the coverage and can be a major issue if a loss triggers these specific provisions. Ensure that if any part of Ordinance or Law coverage is active, its specific limits are clearly stated.
Incorrectly Indicating Blanket Coverage
When 'Blanket Coverage' is marked 'YES,' the form requires indicating the value(s) reported for the property. A common error is to either check 'YES' without providing the value or to misunderstand what blanket coverage entails. This mistake can misrepresent how limits are applied across multiple locations or types of property, leading to confusion and potential coverage gaps. Ensure that if blanket coverage applies, the associated reported values are included as specified on the policy.
Incomplete Producer or Insurer Information
Failing to provide the full name, address, and NAIC number for the insurance company, or the complete contact details for the producer (agent/broker), is a frequent oversight. The recipient of this form needs this information to verify the policy and contact the appropriate parties. Missing details can halt the verification process and delay the underlying transaction. Using a tool like Instafill.ai can help by storing and auto-populating this recurring information accurately every time.
Missing Authorized Representative Signature
An unsigned ACORD form is not valid evidence of insurance. The signature of the authorized representative certifies that the information is accurate as of the date of issuance. Forgetting to sign the form is a simple but critical error that will cause it to be immediately rejected by the receiving party, requiring it to be re-issued and causing delays. If the form is a non-fillable PDF, tools like Instafill.ai can convert it to a fillable version where a digital signature can be easily applied.

Frequently Asked Questions About ACORD 28

 

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This plan is for your ACORD 28: 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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From your account, in two clicks, any time. No email, no call.
How does the AI fill out ACORD 28?
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 28, 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 28 to fill out?
ACORD 28 has a Form Complexity Index of 67 out of 100, in the complex tier: 159 fillable fields across 1 page. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Evidence of Commercial Property Insurance (ACORD 28) form?
This form is used to provide proof of commercial property insurance to a third party, such as a lender, landlord, or client. It summarizes the policy's key coverages, limits, and insured parties for informational purposes.
Who is responsible for filling out this form?
The insurance producer (the agent or broker) for the named insured is responsible for completing and signing this form. A business owner cannot fill it out themselves; they must request it from their agent.
What is the difference between the 'Named Insured' and the 'Additional Interest'?
The 'Named Insured' is the primary individual or company that owns the insurance policy. The 'Additional Interest' is a third party, like a mortgagee or loss payee, who has a financial stake in the property and requires proof of insurance.
Does this form act as a contract or change my insurance policy?
No, this form is issued for information only and does not alter your policy in any way. The form explicitly states it confers no rights upon the additional interest and is subject to all terms and conditions of the actual policy.
What information do I need to give my agent to get this form?
You will need to provide the full name and address of the party requesting the form (the 'Additional Interest') and any relevant loan or reference numbers. Your agent will use your policy information to complete the rest.
What is the difference between 'Replacement Cost' and 'Agreed Value'?
'Replacement Cost' coverage pays to replace damaged property with new items of similar kind and quality, without deducting for depreciation. 'Agreed Value' waives the coinsurance penalty and pays for losses based on a value that you and the insurer agreed upon when the policy was written.
What happens if my policy is cancelled?
The form states that if the policy is cancelled before its expiration date, a notice will be delivered according to the provisions outlined in your actual insurance policy contract.
What should I do if I have properties insured by multiple insurance companies?
A separate ACORD 28 form must be completed for each insurance company. Your agent will need to issue a distinct form for each policy that applies to the property in question.
What does it mean if the 'Special' perils box is checked?
Checking 'Special' indicates the property has 'all-risk' coverage, which is the most comprehensive type. It covers losses from all perils except those specifically listed as exclusions in the policy.
Can an AI tool help my agent fill out this form?
Yes, insurance professionals can use services like Instafill.ai to streamline form completion. The AI can accurately auto-fill policy data into the correct fields, which saves time and helps reduce manual errors.
How can I fill out this form online using Instafill.ai?
An authorized representative can upload the ACORD 28 PDF to Instafill.ai. The platform's AI will make the document interactive, allowing the user to quickly click and type to fill in all the necessary fields before saving or sharing it.
I received this form as a non-fillable PDF. What can I do?
You can use a service like Instafill.ai to make the document usable. Upload the flat PDF, and the tool will automatically convert it into an interactive, fillable form online.
What is 'Business Income' coverage shown on the form?
Business Income coverage helps replace lost profits and pay for continuing operating expenses (like rent and payroll) if your business must temporarily close due to a covered property loss.
What does the 'Ordinance or Law' section cover?
This coverage applies when building codes enforced after a loss increase the cost of repairs. It can cover the costs to demolish undamaged portions of the building or upgrade to meet new codes, which are often excluded from standard property policies.
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