ACORD 815 is the International Liability Exposure Supplement. It adds structured information about operations outside the applicant's home country to a commercial general liability submission. Completing it does not create worldwide coverage or replace the insurer's international policy terms.
When is ACORD 815 used?
The form is used when a business has international liability exposure that the main ACORD 126 General Liability Section does not describe fully. A filing record identifies ACORD 815 as an International Liability Exposure Supplement used with ACORD 126.[1] Observable form guidance covers countries, foreign operations or subsidiaries, exposure details, and foreign loss history.[2]
What information should be organized first?
Build a country-by-country inventory of legal entities, locations, projects, products, sales, payroll, employee counts, and travel. Distinguish exports from physical operations and temporary travel from resident employees. Identify local partners, manufacturers, distributors, contractors, or subsidiaries and explain what each does.
Provide foreign loss information consistently with the requested periods and explain material open claims. Currency and valuation dates should be clear so an underwriter does not compare unlike figures.
Does the supplement prove worldwide coverage?
No. It helps an insurer evaluate the exposure. The issued policy determines coverage territory, suits or claims jurisdiction, exclusions, limits, retentions, and any conditions involving locally admitted insurance. Sanctions and local law may also restrict what an insurer can offer. Review the quote and policy instead of treating the application as a coverage grant.
Where can you get the current form?
Use the version provided by the carrier, agency, or authorized forms platform. Eligible users can verify current editions through ACORD's Forms Portal.[3]
Frequently asked questions
Does exporting one product require ACORD 815?
It may. The insurer decides what international details it needs based on destination, product, volume, contracts, and policy structure.
Should amounts be converted to U.S. dollars?
Follow the carrier's instructions. Identify the original currency, conversion basis, and valuation date whenever converted figures could affect underwriting.
The Bottom Line
Use ACORD 815 to give the underwriter a country-specific view of international liability exposures. Reconcile the supplement with the main application, then rely on the issued policy for actual coverage.
This guide is educational and describes ACORD 815 in original language. Menlo Insurance Services is not affiliated with ACORD Corporation. The insurer's documents control.
References
- 1.Oklahoma Insurance Department. “April 2017 Property and Casualty Filing Activity Report.” Accessed September 2026. https://www.oid.ok.gov/wp-content/uploads/2019/11/071017_AprilMonthlyReport.pdf ↩
- 2.Forms Boss. “ACORD 815 International Liability Exposure Supplement.” Accessed September 2026. https://www.formsboss.com/help/acord-815.html ↩
- 3.ACORD. “Forms Portal.” Accessed September 2026. https://formsportal.acord.org/Home ↩