ACORD 101 data extraction: the additional remarks schedule and its parent form

ACORD 101 is the Additional Remarks Schedule: a standard ACORD form that holds remarks that don't fit on another ACORD form, such as the description of operations on an ACORD 25 certificate. It names the parent form by number and title and repeats the policy it belongs to, so extracting it means linking each remark to that form and section, not just reading the text.

This guide covers what's on the form, how it travels with its parent, what to extract, the checks to run and how to automate them.

What is an ACORD 101?#

ACORD lists the 101 among its countrywide property and casualty forms, and the current edition is ACORD 101 (2008/01), per its forms index of September 8, 2026. It isn't tied to one form: the ACORD 24, 25, 27 and 28 each allow an ACORD 101 when a box runs out of room. The page has three parts:

• Header

  Agency, carrier and NAIC code, policy number, named insured and effective date, plus the agency customer ID, a location number and "page _ of _".

• Attached-to box

  "This additional remarks form is a schedule to ACORD form", with the form number and title: the link to the parent.

• Remarks

  Free text that continues whichever section of the parent ran out of room.

How an ACORD 101 travels with its parent form#

A 101 is a schedule, so it arrives with the form it continues: behind a certificate in a COI packet, behind evidence of property insurance, or with an application in a submission. Apart from its parent, a remarks page loses its meaning, so the job is to keep the two together from intake to your system.

What to extract from an ACORD 101#

Checks to run on every ACORD 101#

• Parent presentThe form number and title point to a form in the same packet. A 101 without its parent goes back to the agent.
• Policy and carrier matchThe policy number matches a policy on the parent, and so do the carrier and NAIC code when they're filled in. On an ACORD 25, that's one of insurers A to F and its policy row.
• Insured and date matchThe named insured and effective date are the parent's, for that policy.
• Every page is thereCheck each "page _ of _" against the packet; some agencies count the certificate as page 1.
• Remarks agree with the boxesAdditional insured or waiver of subrogation wording in the remarks matches the ADDL INSD and SUBR WVD marks on the parent and names the endorsement: the ACORD 25 says a statement on the certificate confers no rights in place of one.

If the header says "see attached" instead of repeating the policy, or its form number doesn't match its form title, tie the page to its parent by named insured and packet order, and send it to a person.

How to automate ACORD 101 extraction#

Manual data entry means retyping each remark and matching it to a policy by eye. Plain OCR gets the text, but not the form or policy it belongs to.

1. Collect whole packetsRoute COI inboxes, portal uploads and submission emails to one queue, keeping each packet together.
2. Classify and splitTell the 101 from its parent and any endorsements. Docsumo classifies and splits mixed packets on its Business plan.
3. Extract the header and remarksDocsumo reads ACORD forms, scans and handwriting included, and reports 99% field-level accuracy across 250+ document types. For named items in the free text, such as endorsement numbers, add a workflow step you set up: an AI step or your own Python code.
4. Link and checkKeep the 101 and its parent in one case and compare the headers. Case management and cross-document validation are on Docsumo's Enterprise plan.
5. Review exceptionsFields the model is unsure about go to a person, with the source line highlighted on the page.
6. Send it onPass the remarks with the parent's data to your COI tracking or policy system through the API and webhooks.

Docsumo reads completed ACORD forms. Vertikal RMS uses Docsumo for COI verification through ACORD capture, and Arbor reached 99% accuracy on insurance compliance documents with it.

• 99%99%field-level accuracy across 250+ document types
• 95%+95%+of documents processed straight through, without manual review

The bottom line#

An ACORD 101 only makes sense next to the form it continues. Read its header and remarks, tie them to the parent by form number, policy, insured and date, check the remarks against the parent's boxes, and send people only the pages that don't match.

Book a demo with a few of your own ACORD packets, or start a free trial.

Frequently asked questions#