ACORD 128 is the Garage and Dealers Section used to collect underwriting information for auto dealers, repair shops, service stations, parking operations, and related businesses. It describes the operation, vehicle storage, drivers, dealer inventory, customer autos, and requested coverages. It is an application section, not proof that garage coverage has been issued.
Who uses ACORD 128?
Vertafore's current commercial forms map identifies ACORD 128 as the Garage and Dealers Section and lists the 2015/12 edition.[1] The section can support submissions for franchised or independent dealers, repair facilities, service stations, trailer dealers, storage garages, and parking businesses. The actual insurer may require supplemental questions for specialized operations.
What information does it collect?
The section distinguishes the type of business, locations, vehicle storage, employee counts, remuneration, dealer inventory, and vehicles held for others. It also collects driver and loss information and requested coverage details. Vertafore notes that driver names on ACORD 128 use separate first and last name fields and that additional drivers can flow to ACORD 163.[2]
What should a garage business verify?
Describe every revenue producing operation, including towing, body work, fuel sales, valet work, or overnight storage when applicable. Report how many customer vehicles may be in the business's care at one time and the highest realistic total value, not an average that ignores busy periods. Separate owned inventory from customer autos. Confirm where vehicles are kept, how keys are controlled, and whether lots are fenced, lit, or monitored.
Does ACORD 128 select all coverage terms?
No. It supplies underwriting and requested coverage information. State specific ACORD 138 forms can record local coverage and limit elections. The insurer's quote, binder, declarations, coverage forms, and endorsements establish the final contract. Review them for covered auto symbols, garagekeepers terms, deductibles, limits, and exclusions.
Where can you get ACORD 128?
Eligible users can search the ACORD Forms Portal for the current form.[3] Complete the copy supplied by the agency or authorized system and keep all attached schedules.
Frequently asked questions
Is ACORD 128 only for car dealerships
No. It can also apply to repair shops, service stations, storage garages, parking operations, trailer dealers, and other garage businesses.
Does ACORD 128 provide garagekeepers coverage
No. It requests and records underwriting information. The issued policy determines whether garagekeepers coverage applies and on what terms.
The Bottom Line
ACORD 128 gives an underwriter a structured picture of a garage or dealer operation. Report all services, drivers, owned inventory, and customer autos accurately. Confirm actual protection in the insurer's issued documents.
This guide is educational and describes ACORD 128 in original language. Menlo Insurance Services is not affiliated with ACORD Corporation. The insurer's documents control.
References
- 1.Vertafore. “Commercial Lines ACORD Form Mapping.” Accessed September 2026. https://help.vertafore.com/Sagitta/content/eforms_mapping/commerciallines.htm ↩
- 2.Vertafore. “AMS360 2017 R1 Release Notes.” Accessed September 2026. https://help.vertafore.com/AMS360/content/releasenotes/v2016r2_to_2017r1/ams360_2017r1_release_notes.htm ↩
- 3.ACORD. “Forms Portal.” Accessed September 2026. https://formsportal.acord.org/Home ↩