Employer & policy info
- Legal entity details, FEIN, and entity type
- Locations by state — the driver of state-specific rating
- Requested effective dates and billing/audit preferences
- Prior carrier and policy history
What’s on the 130
The sections that actually drive the quote.
Classifications & payroll
- Workers’ comp class codes per state and location
- Estimated annual payroll per classification
- Full-time / part-time employee counts
- Subcontractor exposure and certificate practices
Rating & limits
- Experience modification factor (EMR) and rating bureau details
- Employer’s liability limits — each accident, disease policy limit, disease per employee
- Deductibles and dividend plans where offered
Officers & elections
- Officer/owner inclusion–exclusion elections by state
- Ownership details that drive combinability and the mod
- Prior losses and open claims context
Where it goes wrong by hand
The 130 is filled once — and retyped everywhere
- Class code + payroll rows are retyped per carrier, and a fat-fingered payroll figure skews premium until audit — when it becomes a billing fight.
- Officer elections differ by state and carrier portals ask for them differently; manual entry quietly gets them wrong.
- The experience mod gets typed from a worksheet into each portal — transpose it and the quote is fiction.
- Multi-state accounts multiply everything: states × classes × carriers is exactly the combinatorial grind automation exists for.
The automated version
Our pipeline reads every field off the ACORD 130 — digital or scanned — with per-field confidence scores, maps it to each carrier’s vocabulary, and fills carrier portals or APIs from the same record. One form in, every appointed market quoted. See the full picture in ACORD to portal, the engineering behind it in ACORD integration services, or feel it free: autofill an ACORD from a DOT number.
FAQ
ACORD 130 questions, answered.
What is an ACORD 130 used for?
It is the standard workers' compensation application. Agencies use it to collect employer information, state-by-state class codes and payroll, experience rating, officer elections, and employer's liability limits — everything a carrier needs to quote a comp policy.
Can automation handle multi-state workers’ comp submissions?
Yes — that’s the strongest case for it. States, classes, and payrolls are extracted as a structured schedule and entered into each portal with state-specific rules respected, including officer elections that vary by state.
How are class codes validated?
Codes from the 130 are checked against the operation description and flagged when they disagree — catching the classic “clerical code on a roofing account” problem before a carrier does. Carrier-specific code variations are handled in the mapping layer.
Does this work with PEO or staffing arrangements?
The extraction and portal automation work the same; the underwriting complexity stays with your producer. The pipeline’s job is faithful data movement and flagging what needs human judgment — not pretending judgment away.
What about the supplemental state forms?
Carrier portals and states ask for supplements the 130 doesn’t carry. The automation fills what your data supports and assembles the remaining questions into one list for the producer — one pass, instead of a surprise per portal.
Related form guides: ACORD 126 (General Liability) · ACORD 140 (Property) · ACORD to portal
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