ACORD 823: Additional Premises Information Explained

ACORD 823 is the Additional Premises Information Schedule. It continues location and building information when a commercial insurance application has more premises than fit in the main applicant section. It supports ACORD 125 and other applicable submissions. It is not a standalone policy schedule and does not prove that every listed location is insured.

When is ACORD 823 used?

Vertafore identifies ACORD 823 as the Additional Premises Information section generated with ACORD 125 when its AMS360 workflow contains more than four unique locations or buildings.^[1] That threshold is a software behavior, not a universal insurance rule. Another system or insurer may attach the schedule under different conditions.

The form's purpose is continuation. It should retain the same named insured, carrier, effective date, and identifying information as the related application. If pages are separated, page numbering and location references should still let underwriting reconnect them.

What should be verified for each premises?

Use a current location list, leases, property records, inspection reports, payroll or staffing records, and revenue reports. Confirm the street address, city, county, state, postal code, location and building number, owner or tenant interest, description of operations, occupied and public area, total building area, employee counts, and revenue when requested.

Do not copy one site's answer across all rows without checking it. A warehouse, office, storefront, and vacant building can present different property and liability exposures. Note shared buildings, subleased areas, seasonal operations, newly opened or closed sites, and any premises under renovation.

Does listing a location on ACORD 823 add coverage?

No. The schedule gives underwriting information. It does not amend an existing policy or establish that an insurer accepted a location, building, coverage, or limit. ACORD also states that it does not provide insurance coverage or process claims.^[2]

After binding, compare every submitted location and building number with the policy's premises schedule. Check applicable property limits, general liability classifications, deductibles, protective safeguards, vacancy provisions, and other location-specific endorsements. Resolve missing or mismatched sites in writing.

Where can you get the official ACORD 823?

Eligible users can search current licensed forms in the ACORD Forms Portal after login.^[3] Obtain the schedule through the producer or insurer assembling the commercial application. This guide does not reproduce the form.

The Bottom Line

ACORD 823 keeps a multi-location commercial application organized. Reconcile location and building numbers, verify the distinct facts for every premises, and connect the schedule to ACORD 125. Then compare the submitted sites with the issued policy. An overflow page supplies information, but it does not add coverage.

This guide is for educational purposes and describes ACORD 823 in original language. Form numbers and titles are cited for identification only, and Menlo Insurance Services is not affiliated with ACORD Corporation. Insurer requirements and policy documents control.