ACORD Builder | The Lightbody Team

Step 1

Choose the line of business

The builder only asks questions needed for the selected ACORD packet.

General Liability Generates ACORD 125 + ACORD 126. Property Generates ACORD 125 + ACORD 140. Package Generates ACORD 125 + ACORD 126 + ACORD 140.

Step 2

Producer and contact details

These fields identify who filled out the packet and populate the producer section.

Your risk details and files stay in this browser until you email your packet. On the live site, your contact details, selected line of business, and effective date are shared with the Lightbody Team for follow-up when you continue.

Agent name * Agent email * Agent phone * Agency name * Agency street address Agency city Agency state Agency ZIP

Save producer profile on this device

Step 3

Named insured and business basics

Keep this concise. The ACORDs stay editable for anything unusual after download.

Named insured * Mailing street address * City * State * ZIP * Insured phone Insured contact name Insured contact email Legal entity Business type Business start date Description of operations *

Step 4

Policy dates and pricing context

Effective date * Expiration date Target premium

Expiring policy details are optional. Leave them blank when the insured has no current coverage.

Current carrier Expiring premium Current policy number

Additional insured Optional ACORD 125 additional interest.

Add an Additional Insured to ACORD 125

Additional insured name * Mailing street address City State ZIP Location # Building # Reference / loan # Reason for interest Item description Certificate required Policy required Send bill

Step 5

General liability hazards

Start with the first ACORD 126 Schedule of Hazards row. Add another row only when the risk has another classification or exposure.

General aggregate Products aggregate Each occurrence Personal and adv injury Damage to rented premises Medical expense

Up to three rows map into ACORD 126.

Products/completed operations needed? Products/completed operations gross sales Contractor exposure? Contractor notes

Custom forms

Optional

Assault & battery endorsement/exclusion Tract home exclusion Other forms needed

Step 6

Property location and building details

Start with the first premises/building. Add more buildings when the schedule needs them.

Help me fill this out Quick ACORD 140 checklist

Before you generate

Confirm the address, ZIP, occupancy, year built, square footage, construction type, and protection class.
Use separate limits for Building, Business Income, and Business Personal Property. Do not combine BPP with the building value.
Make sure TIV matches the values you expect to submit, including selected BI and BPP limits.
Check valuation, coinsurance, deductibles, cause of loss, and wind terms before sending.
Add mortgagees, loss payees, photos, SOVs, loss runs, dec pages, and prior terms when available.

Building Physical structure, roof, walls, and fixed systems.

Business Income Income loss or extra expense after covered property damage.

BPP Contents, inventory, furniture, equipment, and tenant property.

Construction Use the ISO type when possible. It affects eligibility and rating.

Location

Physical building address and occupancy shown on ACORD 140.

Required

Premises # Building #

How to number Use the ACORD numbers: Premises 1 / Building 1, then add each extra location or building below.

Property street address * City * State * ZIP * Occupancy/use *

Property coverages and terms

Select Building, Business Income, or BPP. At least one coverage is required for each scheduled building.

Choose at least one

Property deductible * Cause of loss * Wind / hail coverage Wind deductible

Add Building coverage

Building value * Building valuation * Building coinsurance

Add Business Personal Property coverage

BPP limit * BPP valuation * BPP coinsurance BPP additional details

Add Business Income coverage

BI limit * Income type *

BI option * Coinsurance Limit of indemnity

BI coinsurance Limit of indemnity BI additional details

Building facts

Basic underwriting facts and ISO construction type.

Required

Year built * Square footage * Number of stories * Protection class * Distance to hydrant Distance to fire station Construction type *

Construction type guide IRMI ISO reference

ISO 1 - Frame Exterior walls, floors, or roof are mostly combustible, usually wood frame.

ISO 2 - Joisted masonry Masonry exterior walls with combustible wood joist floors or roof.

ISO 3 - Non-combustible Walls, floors, and roof are non-combustible, often light steel or metal.

ISO 4 - Masonry non-combustible Masonry exterior walls with non-combustible floors and roof.

ISO 5 - Modified fire resistive Protected structural members, usually less fire resistance than full fire resistive.

ISO 6 - Fire resistive Reinforced concrete or protected steel with strong fire-resistance characteristics.

When unsure, select the closest match and add construction details in Property notes.

Updates

These years check the ACORD 140 improvement boxes agents often miss.

Required

Roof type Roof year * Plumbing update year * Wiring/electrical update year * HVAC/heating update year *

Protection, wind class, and interests Optional ACORD 140 lower-section details.

Wind class Heating boiler on premises? Boiler insurance elsewhere? Right exposure/distance Left exposure/distance Front exposure/distance Rear exposure/distance Burglar alarm type Burglar alarm certificate # Burglar alarm expiration Alarm signal Installed/serviced by Alarm extent Alarm grade Guards/watchmen Clock hourly? Premises fire protection % sprinklered Fire alarm manufacturer Fire alarm signal

Property additional interest

Use this for mortgagee, loss payee, or other property-specific interest on ACORD 140.

Interest type Rank Reference # Name and address Certificate required Location # Building # Item description

Additional locations and buildings

Add each scheduled building separately. Multiple buildings are combined into one editable, multi-page ACORD 140.

Optional

Property notes

Add anything that helps an underwriter understand the building.

Optional

Alarms Sprinklers Vacancy Renovations Hydrant/fire station distance Photos or SOV attached

Notes to include in ACORD remarks

Step 7

Loss history

Capture the first known loss detail, or confirm loss-free.

No known losses Marks the ACORD 125 as no prior losses. Losses to report Add the first loss and attach loss runs with the packet.

Loss date Line of business Amount paid/reserved Loss description

Step 8

Email story

These notes become the draft email body. Keep them short and useful for underwriting.

Build the email in short pieces

One or two sentences in each box is enough. Blank sections stay as clean labels in the email draft.

1 Account history How long they have operated, what they do, and the basic account story. 2 Expiring policy / prior terms Carrier, premium, limits, deductibles, key forms, and whether prior terms or competitor quotes are attached. 3 Target pricing Target premium, budget pressure, or renewal pricing guidance. 4 What changed New values, operations changes, claims repairs, ownership changes, or no changes. 5 Why they are shopping Renewal increase, non-renewal, coverage need, service issue, or checking options. 6 Flags or special handling Known concerns, unusual exposures, attachment reminders, vacancies, or claims context.

Prefill from dec page or quote

Backend phase: upload an expiring policy, dec page, or competitor quote here to test the future prefill workflow. This static prototype does not extract data yet.

Select prefill source

No prefill source selected.

Supporting files for ZIP

Attach expiring policies, prior quotes, competitor quotes, dec pages, loss runs, photos, or supplements. These files stay local and are bundled into the generated ZIP.

Select supporting files

No supporting files selected.

Review

Review before generating

Check the summary. You can go back and edit before creating the PDF packet.

Finish

Packet ready

Generate a packet to download it.

Email Matt without attachment

Open the downloaded .eml file in Outlook to review the draft and attachment. If Outlook does not open it as an editable message, use the regular email option.

Generated email body

Before sending, attach what you have:

Generated ACORD ZIP packet
Currently valued loss runs or a loss-free statement
Current declarations page when available
Prior terms, competitor quotes, or renewal proposal if available
Photos, supplements, and schedules that support the risk

Choose the line of business

Quick sample fills

Producer and contact details

Named insured and business basics

Policy dates and pricing context

General liability hazards

Custom forms

Property location and building details

Before you generate

Location

Property coverages and terms

Building facts

Updates

Property additional interest

Additional locations and buildings

Property notes

Loss history

Email story

Build the email in short pieces

Prefill from dec page or quote

Supporting files for ZIP

Review before generating

Packet ready