Obtain the current ACORD 130 form field map (published by ACORD and available through vendors like Vertafore AMS360); identify all required fields grouped by section: producer info, applicant info, policy info, locations, rating/payroll, loss history, and individuals included/excluded
Connect to your payroll system API to retrieve FEIN, legal business name, legal entity type, mailing address, and payroll data by state and class code; map these to the corresponding ACORD 130 fields
Populate the classification/rating section: for each employee class code, retrieve the NCCI class code, description, payroll amount, and expected rate from your rating data source; pre-fill the rows in the rating table
For the loss history section, query your claims management system or loss run service for the prior three to five years of workers comp claims; format as date, description, and paid/reserve amounts
Render the pre-filled ACORD 130 form as a PDF or interactive web form for agent review; flag any fields that could not be auto-populated (e.g., 24 yes/no underwriting questions) for manual completion
On agent submission, validate that all required fields are present and the payroll totals reconcile; submit the completed form data to the carrier's submission intake API or email the rendered PDF per carrier instructions
Known gotchas
ACORD 130 has state-specific variants (e.g., California has its own form with modified fields); always use the correct state version — submitting the base form for a state that requires its own variant will cause the carrier to reject the submission
NCCI class codes differ from ISO class codes; workers comp uses NCCI codes (or state-specific bureaus in monopolistic states like Ohio, Washington, Wyoming, North Dakota) — do not cross-populate ISO codes into the NCCI class code field
Payroll figures on the ACORD 130 are estimated at inception; the policy will be subject to a premium audit at expiration where actual payroll is reconciled — ensure your digital form captures the estimate nature of the figures and sets correct customer expectations
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp