Farm insurance can be challenging to structure because it merges a variety of protections — property, liability, equipment, and sometimes specialized coverage for livestock or horses — into one policy. To make this process consistent and efficient, the insurance industry relies on the ACORD 401–410 form series. Each form focuses on a different type of risk, helping agents and underwriters gather precise information and issue accurate policies.

Below is an overview of each form, its function, and its role in farm insurance underwriting.

ACORD 401 – Agriculture Application

• Purpose: Acts as the primary application form to initiate agricultural or farm coverage.
• Line of Business: Agriculture Package (APKGE)
• Details: Collects general applicant details, farm addresses, operational activities, and any secondary business operations. Serves as the central document that connects to all other supplemental forms in the series.

ACORD 402 – Agriculture Property Section

• Purpose: Provides information about coverage for farm buildings and other structures.
• Line of Business: Agriculture Property (AGPR)
• Details: Covers structures like barns, silos, and greenhouses, along with valuation method (replacement cost or actual cash value), loss cause types, fire safety measures, alarms, occupancy details, and information on mortgagees or other interests.

ACORD 403 – Agriculture Property: Scheduled / Unscheduled Personal Property

• Purpose: Lists farm personal property for insurance coverage.
• Line of Business: Agriculture Scheduled & Unscheduled Personal Property (AGPP)
• Details: Covers machinery, crops, tools, and livestock. Scheduled property is insured individually, while unscheduled items can be covered under a blanket limit. Also includes items like poultry, irrigation systems, chemicals, and farm supplies.

ACORD 404 – Agriculture Liability Section

• Purpose: Outlines liability coverage for injury or damage occurring on the farm.
• Line of Business: Agriculture Liability (AGLIA)
• Details: Includes bodily injury, property damage, medical payments, personal/advertising injury, limited pollution liability, animal collision, employers’ liability, and coverage for damage to others’ property.

ACORD 405 – Agriculture Premises / Location Diagram

• Purpose: Provides a visual layout of the farm’s structures and land use.
• Line of Business: Agriculture Property (AGPR)
• Details: Supports risk evaluation by helping underwriters understand the placement of buildings and key facilities. Does not itself list coverages.

ACORD 406 – Agriculture Supplement

• Purpose: Records inventory for unscheduled personal property covered under blanket policies.
• Line of Business: Agriculture Scheduled & Unscheduled Personal Property (AGPP)
• Details: Works alongside ACORD 403 to offer detailed item lists, improving valuation accuracy. No direct coverage is applied through this form.

ACORD 407 – Livestock Mortality Section

• Purpose: Protects against financial loss from the death of insured livestock.
• Line of Business: Livestock Mortality (LMORT)
• Details: Covers risks from illness, accident, or death, and can include theft, named perils, optional perils, major medical or surgical expenses, and loss of use.

ACORD 408 – Equine Liability Supplement

• Purpose:Provides liability protection for horse-related activities.
• Line of Business: Equine Liability (EQLIA)
• Details: Can cover horse boarding, breeding, training, lessons, public events, trail rides, rentals, and transportation of horses for others.

ACORD 410 – Small Farm / Ranch Application

• Purpose: Simplified application for smaller-scale farms and ranches.
• Line of Business: Small Farm/Ranch (SFRNC)
• Details: Collects concise information on property and liability coverage, including roadside stands, childcare activities, seasonal or permanent residences, limited pollution liability, animal collisions, and employer liability.

In summary, the ACORD 401–410 series gives insurers a structured and standardized way to collect vital details for agricultural policies, helping ensure that coverage matches the unique risks each farm or ranch faces.