ACORD 144 Instructions


ACORD 144 (11/94) – Glass and Sign Supplement

This chapter provides basic instructions for completing the ACORD Glass and Sign Supplement which addresses basic underwriting and rating needs for glass and sign coverages written under an Inland Marine or Property policy.

The applicant should describe the “glass” or “sign” in detail, including lettering, ornamentation, class, mechanical operation and other important information which aids in the total evaluation of the risk.

This form was designed to be used in conjunction with the Commercial Insurance Application – Applicant Information Section (ACORD 125), and the Property Section ( ACORD 140) . Refer to the chapters on ACORD 125 and ACORD 140 for information on those Forms.

INFORMATION SECTION

Applicant (first Named Insured)
Applicant’s name as found on the ACORD 125.

Glass Deductible
For glass coverage, enter the deductible amount desired.

Glass Retention
Amount of liability retained by the insured. If applicable, enter the retention percentage.

Sign
If sign insurance is requested, check the appropriate box to indicate whether full coverage or coverage with a deductible is desired.

GLASS SCHEDULE

Complete this section and the General Information section for glass coverage.

Premises Number
Premises number where the glass is located. This may also appear on the Application Information Section (ACORD 125).

Building Number
Specific number for the building if more than one building exists at the premises location.

Item Number
List each piece of glass to be scheduled by assigning it an item number. Plates with the same dimensions and description can be batched under the same number.

Number of Plates
Number of plates of glass to be insured with the same dimensions and description.

Plate Size
Length (horizontal) and width (vertical) of each of plates to be insured. These should be measured in feet and inches. For odd-sized plates, you may need to compute the area (e.g., the size needed to replace a round piece of glass is a rectangle large enough to allow the circle to be cut from it).

Description
Detailed description of the glass to be insured. Identify stained glass items and specify lettering, ornamentation, or class. Describe the type of frame holding each piece of glass and whether or not it is safety glass.

Use and Position
Use and position of glass at each location (e.g., ground floor show windows, ground floor door). This is especially important for freezer cases and display windows. Indicate what floor the glass is on and whether it is interior or exterior glass.

Limit of Insurance
Replacement cost of the pane, plus lettering, tape and any other item that increases the value.

SIGN SCHEDULE

Complete this section and the General Information Section for sign coverage.

Premises Number
Premises number where the glass is located. This may also appear on the Application Information Section (ACORD 125).

Building Number
Specific number for the building if more than one building exists at the premises location.

Item Number
Assign an item number to each sign to be scheduled.

Inside/Outside
Indicate whether each sign listed is located inside or outside a building. Different rates may apply for each.

Description
Detail the kind and size of the sign to be insured. Specify any lettering or ornamentation including whether the sign has mechanical parts or lighting. Specify neon light, electrical, fluorescent bulbs, etc.

Limit of Insurance
Replacement cost for the sign.

GENERAL INFORMATION

Use the Remarks section to provide additional information for any questions answered “Yes.” The following overview lists information that should be added to the remarks section for “Yes” responses.

Questions 1 – 9 apply to Glass only, Questions 10 -13 apply to Glass and Sign, and Question 14 applies to Sign only.

1. Are there any partial or complete painted plates?
Indicate if plate glass to be insured has any design or lettering painted on it. Specify what percentage of the plate has been painted. Include the type of decoration and if hand-painted.

2. Any plates fixed, glued or in angle settings?
Indicate which, if any, plates are fixed, glued, or in special angle settings.

3. Any obstruction or unusual settings?
Indicate if glass has any obstructions or has other unusual features that make replacement difficult, or if the frames are unusual. Both situations can make it difficult or costly to repair/replace.

4. Does applicant wish to insure tape on glass?
If so, specify type of tape and value.

5. Does applicant wish to insure lettering on glass?
Indicate if applicant has special lettering to be insured. Specify type of lettering and give approximate value.

6. Is glass protected by wire mesh or U.L.-approved burglary resistant glazing material?
Indicate the security measures taken to protect the glass.

7. Is all exterior glass above second floor?
Indicate which panes are located above the second floor.

8. Is all exterior glass insured?
Indicate what panes are not being insured and their floor location.

9. Is any glass structural?
Indicate which panes are part of the building structure.

10. Is the building or area under construction?
Indicate whether there is construction or renovation taking place at any location.

11. Does glass or signs have scratches, cracks or defects?
Describe any defects in the glass or sign at the time of this application. Indicate whether any corrective measures are underway. Provide diagram, if required, and specify location of glass.

12. Did agent inspect signs or glass?
Indicate the inspection date and location. If a photograph is available, please attach.

13. Are any locations with glass or signs vacant?
Indicate which locations are vacant and when occupancy is expected, and if any security precautions have been taken to protect the premises.

14. Any signs off premises or not attached to building?
Specify location and type of protection provided for the sign. Indicate if any signs to be covered are not attached to building locations described in the Applicant Information Section (ACORD 125). Give location of signs.

REMARKS

Use this section to provide any additional information required for underwriting or rating.