ACORD 131 Additional Exposures Part 2 Instructions

Instructions ACORD 131 Contractors Liability, Employers Liability and Incidental Malpractice Liability

CONTRACTORS LIABILITY

Instructions ACORD 131 Contractors Liability

All the questions are first answered as a Yes or NO question by putting a Y or N in the box on the far right hand column for each row.

If you answer YES to any of these questions you need to answer the questions in that row.

10 -  IS BRIDGE, DAM OR MARINE WORK PERFORMED?

11 - DESCRIBE TYPICAL JOBS PERFORMED  (ACORD 101 Additional Remarks Schedule may be attached if more space is required)

If there is a dramatically atypical job that is done from time to time I am sure the underwriters would like to know about that also.

12 - DESCRIBE AGREEMENT (ACORD 101 Additional Remarks Schedule may be attached if more space is required)

Include copies of agreements if possible - at least the pertinent parts.

13 - DOES APPLICANT OWN, RENT OR OTHERWISE USE CRANES. - I am fairly certain that if they own or rent cranes you should also explain how they are used by your customer.

14 - CARRY COVERAGES OR LIMITS LESS THAN APPLICANT? - If so list carriers, policies, effective dates and limits.


EMPLOYERS LIABILITY

How to complete the ACORD 131

All the questions are first answered as a Yes or NO question by putting a Y or N in the box on the far right hand column for each row.

If you answer YES to any of these questions you need to answer the questions in that row.

15 - IS APPLICANT SELF-INSURED IN ANY STATE?  - List states.

16 - SUBJECT TO: - check the boxes if the applicant is under the regulations or conditions of any of the following...

JONES ACT - Link to explanation of Jones Act...

http://en.wikipedia.org/wiki/Merchant_Marine_Act_of_1920

FELA - Federal Employees Liability Act. Here is a link...

http://en.wikipedia.org/wiki/Federal_Employers_Liability_Act

STOP GAP - Stop Gap Employers Liability. Here is a lin to a definition of this...

http://www.irmi.com/online/insurance-glossary/terms/s/stop-gap-endorsement.aspx


OTHER - enter and explain.


INCIDENTAL MALPRACTICE LIABILITY

Here is a link to a definition of Incidental Malpractice Liability

http://www.irmi.com/online/insurance-glossary/terms/i/incidental-malpractice.aspx

ACORD 131 Instructions for Incidental Malpractice Liability

All the questions are first answered as a Yes or NO question by putting a Y or N in the box on the far right hand column for each row.

If you answer YES to any of these questions you need to answer the questions in that row.

17 - IS A HOSPITAL OR FIRST AID FACILITY MAINTAINED? - I would be sure I understood what my underwriter considered a first aid facility. The best way to do that is to ask in writing so you can get a written response.

18 - ARE COVERAGES PROVIDED FOR DOCTORS / NURSES?

If Yes enter the carrier, effective dates, policy number and limits.

19 - INDICATE # of...

DOCTORS

NURSES

BEDS

Just type in the numbers. On the doctors and nurses I might also add a note about full time or part time.

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