ACORD 101: Additional Remarks Schedule Explained

ACORD 101 is the Additional Remarks Schedule, an attachment that carries information that does not fit on another ACORD form. It belongs with a base application, certificate, or loss notice and should identify the form and policy information it supplements. Standing alone, it lacks the context needed to interpret the remarks.

The schedule solves a space problem. It does not create coverage, replace an answer on the base form without explanation, or prove that an insurer accepted the added information.

What is ACORD 101 used for?

ACORD 101 provides additional room when an ACORD document cannot hold the full answer. Vertafore documents many system-generated uses. Extra claim participants can overflow from a loss notice, longer certificate descriptions can continue onto ACORD 101, and equipment-floater remarks can populate the schedule.^[1] Current Vertafore release notes also show workers compensation questions and experience-modification details for additional states flowing onto ACORD 101.^[2]

This range is why the schedule should not be read as a specific insurance application. Its meaning comes from the document it continues.

How should additional remarks be organized?

Start each continuation with a precise pointer to the base form, page, section, item, or question. Keep policy identifiers and the named insured consistent. If the package uses several ACORD 101 pages, number them and keep them in order.

Plain labels beat narrative shorthand. For example, identify a continuation as a response to a specific numbered underwriting question rather than writing a free-floating paragraph. Vertafore's ACORD 131 mapping example shows ACORD 101 carrying the originating form number and title alongside additional underlying-policy information.^[3] That connection lets reviewers return to the question that prompted the detail.

Can ACORD 101 change another form or policy?

Not by itself. A remark can clarify or correct submitted information, but the recipient must read and act on it. If the schedule contradicts the base form, ask for a revised package or written acknowledgment instead of assuming the remark silently wins.

Coverage follows the insurer's binding and policy documents. ACORD says it is not an insurer and does not provide insurance coverage.^[4] A schedule attached to an application may affect underwriting once reviewed, but it is not proof that the insurer accepted the risk or amended an issued policy.

Where can you get the official ACORD 101 form?

Eligible users can search and download current forms through the logged-in ACORD Forms Portal.^[5] Agency systems also create ACORD 101 automatically when mapped data exceeds the base form's space. This page is an original explanation, not a blank schedule or reproduction of ACORD's layout.

The Bottom Line

ACORD 101 adds space, not authority. Tie every remark to its base form, organize multi-page continuations, and resolve contradictions in a revised package. The insurer's written policy action determines whether information changes coverage.

This guide is for educational purposes and describes ACORD 101 in original language. Form numbers and titles are cited for identification only, and Menlo Insurance Services is not affiliated with ACORD Corporation. The base form and insurer-issued documents control.