AI form filler for ACORD forms and certificates of insurance
Instafill.ai fills your ACORD 25 certificates and your full commercial submission β 125, 126, 140, 127 β from your agency management system, declaration pages, loss runs and prior ACORDs. Stop re-keying the same account onto every form.
You keep your current workflow β files and folders stay put, nothing syncs to Instafill.ai.
Why certificates and submissions eat your account managers' day
Instafill.ai is an AI form filler for insurance agencies β certificates of liability (ACORD 25), the commercial application (125), general liability (126), property (140), business auto (127) and the rest of the commercial-lines set. It targets the part that eats the day: before a single coverage decision, the work is gathering the account, mapping it and re-typing it β the same data, onto every form:
- Certificates issued by hand, all day β holder, carriers, policy numbers, limits and dates typed onto each ACORD 25 request.
- The same account re-keyed onto every ACORD in a submission β 125, 126, 140, 127 β one field at a time.
- Reading policy numbers, limits and dates off each carrier's dec page and transcribing them.
- Remarketing a renewal by re-typing last year's policy into fresh applications for each carrier.
- Pulling loss history off loss runs into the loss section.
- Chasing the account details across the AMS, prior ACORDs, emails and spreadsheets.
"Half my day is certificates and re-typing the same account onto four different ACORDs." β an agency account manager, on the workflow Instafill.ai now automates
From your AMS export and dec pages to a finished ACORD set
Drop in your inputs
Your AMS export, the policy declaration pages, prior-year ACORDs, loss runs, the certificate request and any statement of values.
The agent fills the ACORDs
Maps the account into every form in the submission β applicant, policy and coverage sections β and fills the ACORD 25 certificate from the dec pages and the holder's request.
Review and issue
You check coverages, pick carriers and bind. The gathering and re-keying are already done.
Why ACORD work needs AI, not a template
You've probably already tried to automate part of this β a mapping from your AMS fields into the forms. It works until an input changes shape: a different carrier's dec page, a coverage described in different words, a detail that sits in the notes instead of a field. That brittleness is the gap a language model closes.
- It reads every carrier's declaration page. Dec pages have no standard layout β each carrier arranges limits, forms and dates differently. The model reads them wherever they sit; a fixed template breaks the moment the carrier changes.
- It maps one account onto many forms. Named insured, FEIN, address, entity type and contact flow into 125, 126, 140 and 127 at once β the re-keying across a submission that a person does by hand.
- It carries the renewal forward. Prior-year ACORDs become this year's starting point, so remarketing begins from last year's data instead of a blank application.
- It does the transcription without drift. Policy numbers, limits and dates copied from dec page to form field β the mechanical work where attention slips on the twentieth certificate of the day.
- It reads the documents, too. Dec pages, loss runs and statements of values arrive as PDFs and spreadsheets; the model pulls the values out and places them, rather than you reading and typing.
- It holds the whole submission consistent. The same account has to agree across every ACORD in the packet; the model keeps them aligned instead of you re-entering the same fact five times.
It doesn't make coverage decisions. It extracts what's in your documents and does the mechanical filling β the coverages, carrier selection and binding stay your call.
Issue ACORD 25 certificates of insurance in seconds
The certificate request is the most repetitive job in the agency. Attach the account's declaration pages and the holder's request, and Instafill.ai fills the ACORD 25 β certificate holder, carriers, policy numbers, each limit, effective and expiration dates and the description of operations β so a request becomes seconds of review instead of a form typed from scratch.
ACORD forms supported: 25, 24, 125, 126, 140, 127 and the rest
Certificates and the full commercial-lines submission set.
What Instafill.ai reads from your AMS export, dec pages and loss runs
| You attach | The agent does |
|---|---|
| Agency management system export | Fills the applicant, policy and coverage sections β named insured, FEIN, mailing address, entity type and contact β into every ACORD in the submission. |
| Policy declaration (dec) pages | Carrier, policy number, effective and expiration dates, and each limit β mapped to the right ACORD field. |
| Prior-year ACORDs | Carried forward into this year's application, so a renewal starts from last year's data instead of a blank form. |
| Loss runs | Prior claims and loss history summarized into the loss-history section. |
| Certificate request (email or contract) | Certificate holder, the operations described, and the exact coverages the contract requires β pulled straight onto an ACORD 25. |
| Statement of values (Excel / SOV) | Building schedule mapped into the property section β values, construction type and protection class. |
Works with the agency management system you already run
No direct integration required β the agent works from your export, so it fits whatever platform your agency runs on.
Cut certificate and submission prep from minutes to seconds
ACORD automation FAQ β questions agencies ask
Can it issue an ACORD 25 certificate of insurance automatically?
Yes. Attach the account's declaration pages or your AMS export and the agent fills the ACORD 25 — certificate holder, carriers, policy numbers, each limit, the effective and expiration dates, and the description of operations — so a certificate request becomes seconds of review instead of manual typing.
Can it fill a full commercial submission from one set of inputs?
Yes. The same account data maps across the whole submission — ACORD 125 (applicant), 126 (general liability), 140 (property), 127 (business auto) and the rest — so you enter the insured once, not once per form.
Where does it pull policy numbers, limits and dates?
From the declaration pages you attach. Carrier, policy number, effective/expiration dates and each coverage limit are read off the dec page and placed in the matching ACORD fields.
Can it start a renewal from last year's ACORDs?
Yes. Attach the expiring policy's prior-year ACORDs and the agent carries the account forward, so remarketing a renewal begins from last year's data rather than a blank application.
Does it read declaration pages from any carrier?
Yes — that is why it uses a language model rather than a fixed template. Every carrier lays out its dec page differently; the model reads limits, forms and dates wherever they sit, instead of breaking when the layout changes.
Does it work with my agency management system?
It works from your AMS export — Applied Epic, AMS360, EZLynx, HawkSoft or Vertafore — so you don't need a direct integration to get the account data onto the ACORD forms.
Which ACORD forms are supported?
The commercial-lines set — ACORD 25 and 24 certificates, 125 commercial application, 126 general liability, 127 business auto, 140 property, 130 workers' compensation, 131 umbrella and the supplementary sections that ride along with a submission.
Do I still control the submission?
Yes. Instafill.ai removes the re-keying and the certificate typing; the coverage decisions, carrier selection and binding stay with your team.
See it on your own ACORD forms
Bring a live account β the dec pages, a certificate request and last year's ACORDs β and we'll show you the filled certificate and submission it produces.