Referencias de formularios de seguros
Explicaciones en lenguaje sencillo de los formularios ISO que aparecen en cotizaciones, contratos y certificados. Cada página resume lo que hace el formulario en nuestras propias palabras, con una hoja de referencia de Menlo descargable.
Fundamentos del Seguro
Responsabilidad Civil General
- ACORD 126Commercial General Liability SectionWhat the ACORD 126 general liability application section asks, how classifications and exposures set CGL premium, and why the subcontractor answers matter.
- ACORD 25Certificate of Liability InsuranceWhat the ACORD 25 certificate of liability insurance shows, why it confers no rights on the holder, and how to read the operations and certificate holder boxes.
- CG 00 01Commercial General Liability Coverage FormWhat the CG 00 01 Commercial General Liability Coverage Form covers, how its three coverage parts work, and who automatically counts as an insured under it.
- CG 20 01Primary and Noncontributory: Other Insurance ConditionWhat the CG 20 01 primary and noncontributory endorsement does, how it changes the other insurance condition, and when construction contracts demand it.
- CG 20 10Additional Insured: Owners, Lessees or Contractors (Scheduled Person or Organization)What the CG 20 10 additional insured endorsement does, why upstream parties demand it on construction contracts, and how its editions differ.
- CG 20 26Additional Insured: Designated Person or OrganizationWhat the CG 20 26 additional insured endorsement does, when it fits better than CG 20 10, and why municipalities, venues, and event sponsors request it.
- CG 20 37Additional Insured: Owners, Lessees or Contractors, Completed OperationsWhat the CG 20 37 completed operations additional insured endorsement covers, why contracts pair it with CG 20 10, and how long you must keep it in force.
Compensación para Trabajadores
- ACORD 130Workers Compensation ApplicationWhat the ACORD 130 workers compensation application asks, how class codes and payroll estimates set premium, and how officer elections and the mod work.
- WC 00 03 13Waiver of Our Right to Recover from Others EndorsementWhat the WC 00 03 13 waiver of subrogation endorsement does, why construction contracts demand it, and what it costs to add to a workers compensation policy.
Propiedad Comercial
- ACORD 140Property SectionWhat the ACORD 140 property section of the commercial application collects, how COPE data drives property underwriting, and how valuation elections work.
- ACORD 27Evidence of Property InsuranceWhat the ACORD 27 evidence of property insurance form does, how evidence differs from a certificate, and when lenders and lessors request this evidence form.
- ACORD 28Evidence of Commercial Property InsuranceWhat the ACORD 28 evidence of commercial property insurance form covers, why commercial lenders demand it over ACORD 25, and how mortgagee interests work.
- CP 00 10Building and Personal Property Coverage FormWhat the CP 00 10 Building and Personal Property Coverage Form covers, its three separate coverage categories, and why it always needs a causes of loss form.
- CP 00 30Business Income (and Extra Expense) Coverage FormHow the CP 00 30 Business Income (and Extra Expense) Coverage Form pays for lost income and extra costs while a business rebuilds after property damage.
- CP 10 30Causes of Loss Special FormHow the CP 10 30 Causes of Loss Special Form works, why open perils coverage beats the basic and broad named perils forms, and what it still excludes.
Auto Comercial
- CA 00 01Business Auto Coverage FormWhat the CA 00 01 Business Auto Coverage Form covers, how covered auto symbols 1 through 9 and 19 work, and why symbol choice decides your protection.
- MCS-90Endorsement for Motor Carrier Policies of Insurance for Public LiabilityWhat the MCS-90 endorsement does, why it is a federal judgment guarantee rather than insurance, the 49 CFR 387 limits, and how it differs from BMC-91 filings.
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