ACORD 175 is the Commercial Policy Change Request. It gives an insured and producer a structured way to ask an insurer to add, change, or delete commercial policy information. The form records a request. It does not prove that the insurer approved the change, made it effective on the requested date, or issued the related endorsement.
What kinds of changes can ACORD 175 request?
Vertafore identifies ACORD 175 as the Commercial Policy Change Request and supports it across commercial lines in an endorsement workflow.[1] A request may involve the insured name or address, operations, premises, property, vehicles, drivers, interests, classifications, limits, deductibles, or other policy information. The exact change must be described clearly enough for the insurer to evaluate it.
Some changes need supporting documents or a carrier supplement. Adding a vehicle may require its VIN, use, garaging, ownership, value, and driver information. Adding a location can require construction, occupancy, protection, area, and exposure details. Do not assume a short description supplies everything underwriting needs.
When does a requested change take effect?
The requested effective date tells the insurer what the customer wants. It is not confirmation of acceptance. Vertafore's procedure starts from an endorsement transaction and preserves revisions to the request.[1] That workflow separates creating the request from the insurer's ultimate policy action.
Ask for the issued endorsement or other written confirmation showing the effective date and exact terms. Backdated requests may require special approval and supporting facts. Until acceptance is confirmed, avoid representing the requested coverage or deletion as completed.
How can a change affect premium and coverage?
An added exposure or broader term can increase premium. Removing property, vehicles, or coverage may create return premium, but the amount can depend on timing, minimum premiums, audits, fees, taxes, or financing. The change can also affect deductibles, classifications, schedules, or other endorsements.
ACORD does not provide insurance coverage or process claims.[2] Compare the endorsement and revised declarations with the request, including the transaction effective date. If the insurer approved only part of the request, document the difference.
Where can you get the official ACORD 175?
Eligible users can search current forms through the ACORD Forms Portal after login.[3] The producer or insurer servicing the policy should provide the licensed form. This page is an explanation, not a change request.
Frequently asked questions
Does an emailed ACORD 175 change coverage immediately
No. It communicates a request. Obtain the insurer's endorsement or written acceptance showing the terms and effective date before relying on the change.
Can ACORD 175 be used to cancel the whole policy
Use the process required by the insurer for the intended transaction. A full cancellation may use a separate cancellation request and involves distinct timing and refund considerations.
The Bottom Line
ACORD 175 organizes a commercial policy change request. Identify the policy, describe the change and date precisely, provide supporting facts, and retain the insurer's response. Compare the endorsement and premium adjustment with the request. Submission starts the transaction, but insurer approval completes it.
This guide is for educational purposes and describes ACORD 175 in original language. Form numbers and titles are cited for identification only, and Menlo Insurance Services is not affiliated with ACORD Corporation. The insurer's endorsement and policy control.
References
- 1.Vertafore. “ACORD 175 Commercial Policy Change Request.” Accessed September 2026. https://help.vertafore.com/Sagitta/content/howto/workwithforms/vertafore_eforms/creatingacord175.htm ↩
- 2.ACORD. “Contact Us: Important Note About Insurance Claims.” Accessed September 2026. https://www.acord.org/ACORD-about/contact-us ↩
- 3.ACORD. “Forms Portal.” Accessed September 2026. https://formsportal.acord.org/Home ↩