ACORD 193 Open Cargo Section - Interest, Conveyance and Operations

How to Complete the ACORD 193 Interest, Conveyance and Operations Sections

INTEREST: This defines your insured's interest in the property being shipped. Select one of the following by checking the appropriate box.

1. FREIGHT FORWARDER
2. SHIPPER OF OWNED PROPERTY
3. IMPORTER
4. EXPORTER
5. OTHER - if you check this box add a text description.

CONVEYANCE USED: Describe the type of transportation which will be used to move the property insured under this policy. Examples, container ship, barge, etc.


OPERATIONS

PROPERTY SHIPPED:  Provide a text description of the property being shipped. If this is a large shipment of various items you may want to attach a spreadsheet with a description of all items.

POINTS OF ORIGIN: Where did the shipment originate? More to the point, at what physical location does the coverage begin. If there are separate items picked up along the way, associate each item with its point of origin.

POINTS OF DESTINATION: Where is the shipment begin taken. When does this coverage end. If there are separate items delivered to separate destinations, associate each item with its destination.


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ACORD 125 Additional Interest Section

How to Complete the Additional Interest Section of the ACORD 125

As the forms states, not all fields apply to all insureds. Only complete the ones which do apply. This is very important as any Additional Interest is given many of the rights of the Insured. You do not want to give these rights by error.

If you have more Additional Interests use the ACORD 45 form.

INTEREST

Check the box which applies for this specific business entity.

1. ADDITIONAL INSURED - Good Definition HERE
2. BREACH OF WARRANTY - Good Definition HERE
3. CO-OWNER - some one who is one of the owners of this insured business
4. EMPLOYEE AS LESSOR - If one of this business' employees is leasing property to this business
5. LEASEBACK OWNER - After purchasing an asset, the owner enters a long-term agreement by which the property is leased back to the seller at an agreed rate.
6. LIENHOLDER - a person who retains legal possession of a piece of property until the person to whom he/she has advanced money for use of the property has satisfactorily repaid the debt
7. LOSS PAYEE - Good Definition HERE
8. MORTGAGEE - Good Dicussion HERE
9. OWNER - The person or business which owns this business or item
10. REGISTRANT - This may be the person who registers a trademark, copyright or patent to be used by the insured. It could be the registrant of a web site URL being used by the insured.
11. TRUSTEE - A person appointed to manage the property of another.
12. OTHER - List your own here

NAME ADDRESS

Enter the full name and address as they need to be shown on a certificate of insurance.

RANK

Additional Interest can have a priority of rights. A rank of 1 would indicate this Additional Interest would receive protection from the policy prior to payments being made on behalf of lower ranked Additional Interests.

CHECK BOXES - EVIDENCE / CERTIFICATE / POLICY / SEND BILL

All can be checked.

Evidence means the Additional Interest requires an ACORD 27 or ACORD 28 Evidence of Insurance form to be issued.

Certificate means the Additional Interest requires a Certificate of Insurance to be issued.

Policy means the Additional Interest requires a copy of the actual policy.

Send Bill means the Additional Interest wants a copy of the bill.

REFERENCE  / LOAN #

Enter the loan number.

LIEN AMOUNT

Enter the amount of the original lien, not the current balance.

INTEREST END DATE

Enter the date the loan, lien, interest expires.

PHONE (A/C, No., EXT) 

Enter the phone number for the person at this Additional Interest who should be contacted with any issues related to their Additional Interest.

A/C is area code. No. is number - as in 7 digit phone number. EXT is the phone extension, if any, for this person.

E-MAIL ADDRESS

Enter the e-mail address for the person at this Additional Interest who should be contacted with any issues related to their Additional Interest.

FAX (A/C, No.)

Enter the FAX number for the person at this Additional Interest who should be contacted with any issues related to their Additional Interest.

INTEREST IN ITEM NUMBER

LOCATION, BUILDING, VEHICLE, BOAT, AIRPORT, AIRCRAFT, ITEM CLASS, ITEM

The number to enter here is the number referencing this at other places in this application. For instance, Location refers to the location number listed in the PREMISES INFORMATION section at the top of this page.

ITEM DESCRIPTION

If there is no other reference number in this form or other forms which are part of this application, enter a description.

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ACORD 125 Commerical Insurance Application Premises Information

How to Complete the ACORD 125 Premises Information

The Premises Information Section has room to list up to four locations.

Locations 2 through 4 are completed the same way as location 1.

If you have more than 4 locations use the ACORD 823 for those locations.

LOC# Location number. Starting with the first location assign this location number 1. Then follow with location number 2, etc. Or, if you are trying to irritate people, make the first location an "A" and the second location the number three, etc. I don't suggest this, but at least it still gives you and any other party looking at the application the same reference point.

STREET Enter the full street address of this location. For example - 3000 Computer Dr, Suite 200.

BLD# This is the building number for the building at this location. If the buildings actually have a building number displayed on the outside of the building, use this number. A location does not always include a building. For instance, your customer might own vacant land.

CITY The city for the physical street address.

STATE The two character abbreviation for the state in which this location exists. Example CA for California.

COUNTY The full county name for the location of this premise.

ZIP The 5 digit zip code plus the 4 digit extension if that is available.

CITY LIMITS There are three check boxes. You can only check one.

INSIDE means inside the city limits.

OUTSIDE means the premises is outside the city limits.

I assume the third is for any other municipal or county designation which applies in your state. Maybe INSIDE FIRE DISTRICT.

The importance of all this of course is the fire rates which will apply. Inside the city is always a lower fire rate than outside the city.

Some premises are located across city limit lines. As a general rule of thumb, it has been my experience that some structure must be on the land inside the city limit and then all other structures on the land will be responded to by the city fire department.

We once had an ice cream parlor put up a small metal shed in the corner of the property inside the city limit. Even though the main building was not connected, the main building received inside the city limits fire rates saving much more than the cost of the metal shed.

They also made the best banana pudding ice cream I have ever eaten.

INTEREST Three choices. You get to select one.

OWNER - The insured owns the premises. The ownership will have to be in the same legal name as one of the names in the Named Insured section on page one.

TENANT The insured rents or leases the premises.

OTHER - I ave no idea.

# FULL TIME EMPL The number of full time employees at this premises.Use numbers instead of letters.

# PART TIME EMPL The number of part time employees at this premises. Use numbers rather than letters. Where I live, part time is defined as less than 30 hours a week.

DESCRIPTION OF OPERATIONS A brief, because that is all the room you have, text description of what work is performed at this premises.

ANNUAL REVENUES: $ The estimated annual revenue generated for the business from activities at this premises location. Your customer may very well not be able to break this out by building or even location. That is not always normal accounting practice. If they do not have that information just leave this blank. My guess is this is one of those questions that is on the form only because the form was created by a committee. I suppose this one question is a gimme to the committee member that had no other question in the form.

OCCUPIED AREA List as a number of square feet. It may help at this point to know that an acre is 43,560 square feet. That will make your measurements easier than trying to do the math on oddly shaped property lines.

OPEN TO THE PUBLIC AREA List as a number of square feet.

TOTAL BUILDING AREA This is almost always on record at the county tax office.

ANY AREA LEASED TO OTHERS Y/N Input a "Y" or "N" if you are typing. If you are filling this form out by hand you could just circle the answer.

I hope this has helped you better understand how to complete the ACORD 125 commercial insurance application premises information section. I hope it also gave you some clever thoughts on how to lower your customers insurance premiums.

I believe a steady and regular amount of time spent learning about insurance and ACORD Forms makes you a better insurance professional.

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ACORD 125 How To Complete the Contact Information Section

ACORD 125 Commercial Insurance Application Contact Information Section

You or the insurance carrier may have many reasons to contact the insured. The names you list in the contact information section should anticipate these reasons...

1. General Information - the person you meet with, often the owner, to complete and review the application
2. Accounting Information - the bookkeeper, accountant, comptroller, etc. This would be the person an insurance company auditor would contact to get final payroll or sales numbers.
3. Physical Site Inspection - this would be the person the insurance carriers' safety engineers would contact to arrange an on-site visit.

CONTACT TYPE: Use the list above or add your own description of the type of contact to which this person will be best suited.

CONTACT NAME: The name of this contact. Use the name to which they normally answer. I have always called by brother Andy, but when I call his office nobody there knows him as Andy. They know him as Andrew or Mr. Williams. I would use Andrew Williams as the name for this space.

PRIMARY PHONE and SECONDARY PHONE:

Check the one box that applies - Home / Business / Cell

Some thoughts of mine on home and cell phones. I would never give out a customer's home or cell phone number without having a written permission to do so on file. Cell phones are more problematic than home phones because cell phones can receive texts. Text are a permanent record the same way an email is a permanent record. It is a dangerous legal idea to have a personal cell phone receive any business related text messages. It gets into all kinds of Privacy Law issues.

PRIMARY E-MAIL ADDRESS / SECONDARY E-MAIL ADDRESS

I would get written permission for my file before giving out their e-mail address. Of course, if the person whose email address you are listing here is also the person signing the application, then I think that is written permission.

I would worry about a secondary e-mail address being a personal e-mail address. I would worry about any e-mail address that was received on a personal - as opposed to business only - cell phone. As I understand it, if you have any business related data - texts, voice mails, e-mails - on your personal cell phone and you leave the employment of the business related to that data, then you are automatically at risk of being exposed to having committed a felony for possession of personal data.

SECOND CONTACT INFORMATION

These are exactly the same fields as listed above, just for a second contact.

I hope this has helped you learn how to complete the ACORD 125 commercial insurance application applicant information contact section.

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Table of Contents of all Post on How to Complete an ACORD 25 Certificate of Liability Insurance

For your convenience, here is a table of contents listing all posts on how to complete the ACORD 25.

First, here is a link to a YouTube video I did walking you though the process with a slightly older version of this form. Still useful...

http://simply-easier-acord-forms.blogspot.com/2009/07/how-to-fill-in-acord-25-certificate-of.html


Now, starting at the top of the form, I will show a picture of the form section and then a link to the post...

Legal Notices

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-legal-notice-part-13-how-to.html

Producer Information

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-producer-information-part-10.html

Your Agent Information

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-producer-information-part-10.html

Insured Information

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-insured-information-part-11.html

Insurer Letter and Name

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-insurer-letter-part-9-how-to.html

NAIC Number

http://simply-easier-acord-forms.blogspot.com/2014/03/what-is-naic-code.html

Commercial General Liability

http://simply-easier-acord-forms.blogspot.com/2014/03/details-in-acord-25-certificate-of.html

and

http://simply-easier-acord-forms.blogspot.com/2014/03/claims-made-vs-occurrence-definitions.html

Automobile Liability

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-auto-liability-fields-how-to_25.html

and

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-auto-liability-limits-how-to.html

Umbrella and Excess Liability

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-umbrella-and-excess-liability.html

Workers Compensation Section

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-workers-comp-section-part-8-in.html

Other Coverage Section

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-other-coverage-part-12-how-to.html

Additional Insured and Waiver of Subrogation

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-additional-insured-and-waiver.html

Policy Number and Dates

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-policy-number-and-dates-part.html

Description of Operations

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-description-of-operations-part.html

Certificate Holder Section

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-certificate-holder-part-17-how.html

Cancellation Notice and Signature

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-cancellation-notice-and.html

ACORD 25 - Certificate Holder - Part 17 How to Complete a Certificate of Liability Insurance

The Certificate Holder Section is in the bottom left hand corner or the ACORD 25.

The Certificate Holder is the legal entity - usually a business or government - to whom the Insured is providing proof of insurance.

You should not only list the Entity's name and address. If you have a contact name, department name, email address and contact phone and/or fax number it is a good idea to list these also.

An example of this might be....

City of Mayberry
P.O. Drawer 17
Mayberry, NC 27710

ATTN: Bob Fossy
Dept of Roads

I hope this is helpful in your process of learning how to complete an ACORD 25 certificate of liability insurance.

We all learn things for the first time at some point. Please pass this along to other is may help.

ACORD 25 - Description of Operations - Part 16 How to Complete a Certificate of Liability Insurance

The Description of Operations section is the large box above the Certificate Holder section.

This space is commonly used to limit or define the specific job for which a certificate is issued.

For example, your insured may need to provide a certificate when they win a bid to do a specific job for a city government. Let us say they won a bid to put in sidewalks on Elm St between Main and Oak streets. The description might read...

"Contract 1726-05 awarded April 2nd, 2014 with City of Durham for sidewalk construction on Elm St between Main St. and Oak St."

You should attempt to be this specific when possible.

Many certificates are required for longer term relationships and are re-issued at every renewal. In these cases the Description may be more general.

If you have listed the Certificate Holder as an Additional Insured you should be as specific and limiting as possible.

A common abuse and misuse of this section is to add wording that shows advance cancellation notification time periods or wording that seems to expand coverage. You should never do this. It is setting yourself up for an E&O claim.

I hope this is helpful in your process of learning how to complete the ACORD 25 certificate of liability insurance.

Please feel free to pass this along to others.

ACORD 25 - Policy Number and Dates - Part 15 How to Complete a Certificate of Liability Insurance

In the center of the ACORD 25 form, in the COVERAGES section are three columns titled POLICY NUMBER, POLICY EFF (MM/DD/YYYY), and POLICY EXP (MM/DD/YYYY).

For each COVERAGE TYPE - Commercial General Liability, Automobile Liability, Umbrella and Excess, Workers Compensation, and other you will enter the specific policy number for that coverage type in the column titled POLICY NUMBER.

Include any policy number prefix - such as BAP or WC. Enter any policy number suffix such as 01 or 02. Your policy number might look something like this....

WC-1075998-04

Generally the prefix indicates line of business and the suffix indicates consecutive policy term.

Under the column titled POLICY EFF, enter the effective date of the policy. The requested format of MM/DD/YYYY means two digits for month, two digits for day of the month and four digits for year.

Examples would be 01/01/2014 or 11/15/2014. Use a leading 0 for months and dates less than 10.

The reason for this formatting is to standardize the input for computer systems. If you enter using the requested format you help eliminate errors in the process.

Under the column titled POLICY EXP, enter the policy's expiration date. The comments above about effective date apply to expiration date.

I hope this information is helpful in your learning how to complete the ACORD 25 certificate of liability insurance.

We all learn for the first time at some point. Please feel free to pass this on to others you think it may help.

ACORD 25 - Legal Notice - Part 13 How to Complete a Certificate of Liability Insurance

At the very top of the ACORD 25 Certificate of Liability Insurance There are two sections of legal notices.

THESE ARE INCREDIBILITY IMPORTANT

The first notice states the certificate is not the policy and does not amend the policy. To protect yourself from E&O exposures you need to keep this in mind when you put information into the form. Of particular concern should be what goes into the Description of Operation section. Be certain you do not use wording that could be seen as expanding or modifying the coverage of the policy contract.

The Second notice warns about showing the certificate holder as an Additional Insured or showing Subrogation as Waived. You need to be certain your actual policy is amended to track the certificate for these two items.

I will discuss these two items in the very next post.

As always, this is not a court room explanation, but basic information to help you understand how to complete the ACORD 25.

We all learn for the first time at some point. I hope this is helpful to you in learning how to complete a certificate of liability insurance.

ACORD 25 - Other Coverage - Part 12 How to Complete an ACORD 25 Certificate of Liability Insurance

There is a blank section at the bottom of the coverage section to allow you to enter types of insurance that are not commercial general liability, automobile liability, umbrella or excess liability or workers compensation.

Types of coverage you may enter her might be Boiler Steam, Aircraft, Longshoremen's, etc.

The point is, this form can be used for coverage that requires a certificate of insurance by a certificate holder.

I hope this is helpful in learning how to complete an ACORD 25 certificate of Liability Insurance.

ACORD 25 - Insured Information - Part 11 How to Complete an ACORD 25 Certificate of Insurance

The INSURED section of the ACORD 25 is where you enter the Insured's Name and Address as it is required to appear by the certificate holder.

I hope this is helpful.

It may seem basic, but we all learn for the first time at some point. I want to be thorough in providing information.

ACORD 25 - Insurer Letter - Part 9 How to Complete an ACORD Certificate of Liability Insurance Form

You enter the Insurer's name on the line labeled Insurer A, Insurer B, etc.

On the far left hand column under COVERAGES section there is a column titled INS LTR.

Enter the correctly matching Insurer letter from the INSURER(S) AFFORDING COVERAGE section into this column next to the appropriate TYPE OF INSURANCE.

I hope this is helpful. We all learned things for the first time at some point. I hope this helps you in filling out an ACORD 25 Certificate of Liability Insurance.

ACORD 25 - Workers Comp Section - Part 8 in How to Complete a Certificate of Liability Insurance

In our continuing and exciting series on how to complete the ACORD 25 certificate of Liability Insurance form, in this episode we take a look at the Workers Compensation and Employers' Liability Section.

Put a Y or N for yes or no in the box next to "Any Proprietor/Partner/Executive Officer/Member Excluded?"

Note this is apparently always a Y if the company insured is in New Hampshire.

Not all states allow this exclusion, but many do allow it. It is a way for you to keep the premium cost of insurance lower. It also means those employees do not have workers comp coverage. So be careful and document well when you use this exclusion.

Under Limits, to the best of my knowledge and research, all states have limits per Statute, so you would always check this. Some states allow the business to purchase limits in excess of the statutory limits. You need to ask your underwriter if that is available in the state in which you are providing coverage.

Under limits there are three lines which start with E.L This stands for Employers Liability. This provides coverage that protects the company in the event that an employee alleges that the employer's negligence or failure to provide a safe work place was the cause of the employees's illness or injury. refer to your actual policy for these limits.

I hope this is helpful. It is intended not as a legal document but as a training tool for learning how to complete certificates of liability insurance.

We all learn each thing for the first time at some point. This is intended to help with that learning.

ACORD 25 - Umbrella and Excess Liability Section - How to Complete a Certificate of Insurance Part 7

Here is a quick run through of the Umbrella and Excess Liability sections of the ACORD 25 Certificate of Liability Insurance form.

As always, this is not a courtroom explanation, but a practical guide to help you complete the form.

You should check the box next to either the Umbrella Liability text or the Excess Liability text. While I suppose it is possible to have both an Excess and an Umbrella policy on the same insured, I cannot recall ever seeing this done.

An Umbrella policy provides liability coverage after the underlying, or primary, liability policy has been paid out. Umbrella policies have a significant retention or deductible amount the insured must pay after the primary insurance policy pays. The umbrella policy has its own terms and conditions and may provide coverage the primary policy does not provide or restrict coverage to not cover some losses the primary policy does cover.

An Excess policy can be an Excess Follow policy. This is where the coverage, terms and conditions track the primary policy.

Enter a check mark in either the Deductible or Retention box.

Deductibles and Retention - self insured retention - are not the same. They differ in the responsibilities of the carrier when a loss occurs, defense costs, collateral requirements, limits erosion and certificates of insurance details.

Generally speaking I have been told the deductible is more favorable to the insured. My Daddy always told me for a variety of reasons that it is always best in the event of a loss to have all your policies with the same carrier.

Show the liability limits of coverage - for example $1,000,000.  or $5,000,000, etc next to the appropriate "Each Occurrence" and "Aggregate" text.

If your insured has a deductible you do not have to show the deductible limit on the certificate of insurance, but if they have a self insured retention you do need to show that amount in the box under the other limits.

I hope this is helpful. We all learned everything for a first time as some point. Some of us continue to learn.

Next up is the Workers Compensation Section of the ACORD 25 Certificate of Liability Insurance.

ACORD 25 Auto Liability Limits - How to complete an ACORD 25 -Part 6

Here is a quick explanation of the Limits data fields for Commercial Auto Liability section in the ACORD 25 Certificate of Liability Insurance form.

As always, this is not a court room definition, but intended to help you learn what information goes where on the ACORD form.

Auto policy liability limits are either Combined Single Limits or Split Limits.

The split limits refers to the Bodily Injury and Property Damage having separate, specific limits. So, you will never put limits in the Combined Single Limits field and also put limits in any of the other fields for Automobile Liability.

Combined Single Limits is often abbreviated as CSL.

Bodily Injury and Property Damage are often abbreviated as BI and PD respectively.

Bodily Injury will have a person limit, such as $100,000 and an aggregate limit, such as $300,000. These combinations differ from state to state.

Bodily Injury pays for bodily harm the insured is legally responsible for to others as a result of the operation of a motor vehicle covered under this specific policy. The per person limit is the most the insurance carrier will pay for any one person. The Aggregate limit is the most the insurance carrier will pay regardless of how many people are injured.

Property Damage coverage pays for the damage to the property of others the insured is legally responsible for as a result of the operation of a vehicle insured under this specific policy. The coverage is shown as applying on a per accident basis. The definition of an accident is not the same as an occurrence. It is possible for a given occurrence to consist of many separate accidents. I will get into that in a later post.

I hope this is helpful to you.

Please share with anyone you wish.

We all learn things for the first time at some point.  Tomorrow I will cover the Umbrella and Excess sections of the ACORD 25.

The Useful ACORD 101 Additional Remarks Schedule

The ACORD 101 form can be used with any other ACORD form when you need extra space.

We most often see the users of Cap Dat ACORD use it with the ACORD 25 Certificate of Insurance.

Many agents who insure trucking firms use it to list vehicles.

Others use it to be specific about the various job sites the certificate addresses.

The second most common form we see it combined with is the ACORD 125 Commercial Insurance Application - Applicant Information Section. In this combination it is used to expand on the Business Description or the Loss History section.

The ACORD 101 is used so often by our Certificate Center users that we have created a standard template combining the ACORD 25 and the ACORD 101 into a single form to make it a little less work for our users.

Claims Made vs Occurrence Definitions

Experts often suggest that it is extremely important, when purchasing a property and casualty insurance policy, to determine if claims are paid on a "claims made basis" or a "claims occurrence basis".

Occurrence Basis Liability Coverage

If a claim arises out of an event during the period when a policy is in force, the insurance company is responsible for its payments, up to the limits of the policy regardless of when the business submits the claim.

Claims Made Basis Liability Coverage

If a claim is made during the time period a liability policy is in effect, an insurance company is responsible for its payment, up to the limits of the policy, regardless of when the event causing the claim occurred.

Wording from Coverage Explanations in Cap Dat ACORD Forms

We all have to learn these things for the first time. I hope this is helpful.

Here is a Brain Teaser

If a manufacturing company had an occurrence policy in effect when a product was manufactured by that company and a claims made policy in effect when the claim was made, does coverage exist under both policies?

What is the NAIC Code

The ACORD 25 Certificate of Insurance has a section for listing the Insurers Affording  Coverage which asks for the Insurer's Name and NAIC code.

At Cap Dat ACORD Forms we are often asked what the NAIC code is.

NAIC stands for the National Association of Insurance Commissioners.

Here is their website home page...

http://www.naic.org/index.htm

They assign each insurance company a five digit code. You can search for any insurance company by name on their website at this page...

https://eapps.naic.org/cis/

I put in Travelers as the company name and here were my results...

You can see Travelers has many companies so you need to know the exact masthead name for the company.

I hope this is helpful. We all had to learn these things for a first time at some point.

Google's Mobile Milestone

Business Insider had a very interesting article today about Google's mobile milestone.

This is important to all businesses in America today.

Here is the killer quote...

"Mobile devices will account for more than 50% of all paid ad clicks on Google in the U.S. by December 2015, according to a search marketing company that handles $6 billion in online spending.

What this means is that in 2015, for the first time mobile — not desktop — will be the de facto main screen of online life."

If you are like me, you  have been seeing your number of clicks through Adwords and organic search decline steadily over the past several years. If you want to know where they are going, this article is very good proof where they are going.

Your Web Site Will be Less Important than Your App

This is not what many of you want to hear, but that does not make it true. Most businesses just finished fully committing to the web and now the world is changing again.

My suggestion, do not procrastinate.

Your Employees Work Flow Will Change

Your employees need to be able to work on the devices they have with them.

That is why we have been so aggressive for the past three years in putting mobile development of our ACORD forms services in front of all other development.

Here is a short - 59 second - video highlighting the service that will make you feel more professional than ever.





Change is happening faster than ever. At Cap Dat ACORD we a determined to stay ahead of it for you.

I'm Back - and Happy to be back

I have been away far too long, but I am thrilled to be back to regular posting.

We have made so many changes to our Cap Dat ACORD service in two years it is hard to decide where to start.

The biggest thing has been our complete re-write to build a tablet based tool.

Now you can use our ACORD forms service with exactly the same user experience - screens, commands, etc. from your desktop browser or your iPad or Android or Microsoft tablet.

Now you can truly do your work anywhere you need to be.

Here is a link to a few videos that show our new Cap Dat ACORD user interface...

http://www.simply-easier-acord-forms.com/cap_dat_acord_videos.html

We built it to be the most intuitive ACORD forms service in the world. I think we succeeded.

We are also giving you free access to try us out.

Sign up here to take her for a spin.

Again, glad to be back. And it will be more about the details of ACORD forms than ever before.

Yours,

Duke