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Forms FAQ

ACORD is committed to assisting you in every way possible. This FAQ provides general answers to the questions we receive most often about our forms. If you need additional information, or would like to suggest a new question to be answered here, please contact us at

General Forms

Do I have to be an ACORD Advantage member to use ACORD Forms?

In order to make use of the ACORD Fillable Forms available from this website, yes.

The forms are also made available to the insurance industry through a variety of options; there are many solution providers, insurance carriers and reinsurers licensed to include ACORD Forms in their products, services and/or websites. You do not have to be an ACORD Advantage member to use ACORD forms provided by a licensed partner.​


I clicked on a form and an "Access Denied" page appeared. What do I do?

If your agency is a member of the ACORD Advantage program, you must still register to receive a user name and password on the ACORD site and be linked to your agency's Advantage account.  If you have a user name and password but do not have access to your agency's Advantage account, please contact ACORD Member Services between 8:30 AM and 4:30 PM Eastern (US) at 845.620.1700, option 2, or email  

If your agency is not an ACORD Advantage member, you must join Advantage and pay the membership fee for your location ($199.)

I clicked on a form but nothing happened. What do I do?

For your workflow convenience, ACORD provides several different versions of the ACORD forms. Each version requires that you have the associated program installed on your machine.

  • Using ACORD Fillable Forms - IBM Format requires an installation of the IBM Forms Viewer.
  • ACORD PDF and ACORD Fillable Forms - Adobe PDF files require the free Adobe Reader.

If you are certain that you have the right software and are signed in, it may be that your membership to ACORD Advantage has expired. Please contact, or call 845.620.1700, option 2.​

I am an agent/broker and got my forms from another website. Why should I use the ACORD Advantage Forms?

ACORD is the originator of all the ACORD Forms as well as updated ACORD Forms. If you need to use a form, and it is not available from your other source or is out of date, you may secure the most current form through ACORD.

Do I need to join the ACORD Advantage Program to receive Forms Notifications from ACORD?

No, the Forms Notification Service is complimentary. If you already receive our forms notifications and wish to always be aware of the current forms, you should continue to receive it. If you are not receiving our forms notifications and would like to receive it, you can register on this website. This will ensure that you receive the complimentary Forms Notification Service. To view past forms notifications, click here.​

I just want to place an order for paper forms. How do I do that?

Paid members of the ACORD Advantage Program can place orders for P&C paper forms with the ACORD Member Services department. Please call in your request to 845.620.1700, option 2, fax it to +1.845.620.3600, or email, Monday through Friday, 8:30 am to 4:30 pm.


Does ACORD file forms on behalf of its members?

For the P&C community, ACORD files forms on behalf of its members in states where it is required to file.​

Why are ACORD Forms revised?

ACORD forms are revised often, and for several different reasons.  Sometimes new forms are proposed by members and others. Working groups may design them collaboratively to suit new business needs.

Existing forms may be revised to reflect changes in business practices.  For example, changes in coverage practices or underwriting may occur that need to be reflected in new elements or revised forms instruction language.
ACORD tracks changes in legislative and regulatory requirements country-wide.  Some changes to forms result from new insurance department requirements, typically for auto ID cards, binders, certificates of insurance, and applications.  ACORD is required to file its forms with state insurance departments for approval, even when changes to the forms arise from changes in business practices and not regulatory requirements.​

How can we find out when we are required to file ACORD forms under our own company filing?

ACORD files forms on behalf of it's Members in states where it is required to file. Typically, only a handful of ACORD forms are filed-such as Auto ID cards, Application, Certificates-and only in certain states. In some states, companies submitting Rate, Rule and/or Policy filings can be asked to include copies of ACORD forms as part of their supporting (filing) documents. State filings usually dictate the supporting document requirements. You may want to consult with your carrier underwriting and/or legal departments for more company specific guidelines.​

How do we unlock the fields on the PDF's to allow our data to fill in?

Download the eForms versions of the ACORD forms, they are not locked.  However, you must participate in an ACORD Redistribution Program in order to download ACORD eForms.  For additional information, please call or email ACORD Member Services at 845-620-1700, Option 2 or email​

Who can sign a Certificate of Insurance?

The ACORD Forms Instruction Guide(s) FIG (s) recommends that ACORD Forms be signed by an Authorized Representative. An Authorized Representative is usually determined by the Carrier Legal and Underwriting Department. We encourage you to consult with your Carrier Legal and Underwriting Department for additional guidance.​

Can form users eliminate certain sections of an ACORD Form, specifically an application?

ACORD Forms are filed with state departments of insurance wherever required, and all published forms are compliant with all state regulations. The forms are approved by Departments of Insurance on an "as depicted" basis; this means that modifying them in any way would result in the form being non-compliant.

Where can I download the IBM Forms Viewer?

Visit the Download Viewer Page.  Fill out the brief form and follow the instructions to complete the download.​

Can I use an older version of an ACORD Form?

It is vital you use only the most current ACORD forms.  Once a form is outdated, ACORD no longer checks on whether it remains compliant with law, including state insurance department rules.  Anyone using an outdated form does so at great risk. In particular, agents and insurers using a non-compliant form are subject to severe penalties.​

Fillable Forms

What are ACORD Fillable Forms?

ACORD's fillable forms have the same look and feel as the paper and PDF versions you may be used to, but have the following new time-saving features and capabilities:

  • Fill, Save and Send - You can fill out each form on screen and with the click of a button, email, print, save or fax it!
  • On-Screen Help - Every field features on-screen help and prompts to make filling out the forms easier.
  • Forms Instruction Guide - An "Instructions" link brings up the full instruction guide for that form, right on screen.​

What must I do in order to have access to the ACORD Fillable Forms?

You must participate in an ACORD program that provides access to the forms, such as the Advantage Program.​

How do I download the Free IBM Forms Viewer?

Go to the Download Viewer​ page and fill out the brief form. Follow the instructions that follow.​

Where are the Forms Instructions on the ACORD Fillable Forms?

The ACORD Fillable Forms have instructions that are automatically provided when you scroll your cursor over each field.