ACORD (Association for Cooperative Operations Research and Development) · Insurance

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Certificate of Liability Insurance

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What Is ACORD 25?

ACORD 25 is the standard certificate of liability insurance used across the United States to provide evidence of insurance coverage. It summarizes the types and amounts of insurance a business carries. This form is issued by insurance agents or brokers to third parties (such as clients, landlords, or general contractors) who require proof of coverage.

Agency
ACORD (Association for Cooperative Operations Research and Development)
Category
Insurance
Form Number
ACORD 25
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Who Needs ACORD 25?

Businesses that need to provide proof of insurance to clients or vendors
Contractors bidding on projects that require certificate of insurance
Tenants whose landlord requires evidence of liability coverage
Subcontractors working under a general contractor
Event organizers required to show event liability insurance

How to Fill Out ACORD 25 — Step by Step

1

Producer section: Enter the insurance agent/broker's name, contact information, and phone/fax numbers.

2

Insured section: Enter the insured business's full legal name and address.

3

For each coverage type (General Liability, Auto, Umbrella, Workers Comp), enter the insurer name and NAIC number.

4

Fill in policy numbers, effective dates, and expiration dates for each coverage.

5

Enter the coverage limits for each policy: per occurrence, aggregate, products/completed operations, personal/advertising injury.

6

In the Description of Operations section, describe the project, contract, or relationship requiring the certificate.

7

If a certificate holder needs to be listed as Additional Insured, note it in the Description section.

8

Enter the certificate holder's name and address. The certificate issuer signs and dates the form.

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Common Mistakes to Avoid

Listing incorrect policy limits that don't match the actual policy declarations
Not adding the required Additional Insured endorsement when the contract demands it
Using an expired certificate — always check effective and expiration dates
Omitting the certificate holder's complete legal name and address
Confusing "per occurrence" and "aggregate" limits when entering coverage amounts

Frequently Asked Questions

Is an ACORD 25 the same as an insurance policy?

No. The ACORD 25 is only a summary of coverage — it does not confer any rights or change the terms of the actual insurance policy. It is informational only.

Who can issue an ACORD 25?

Only licensed insurance agents or brokers can issue an ACORD 25. The insured business does not fill out the form themselves — they request it from their insurance provider.

How quickly can I get a certificate of insurance?

Most insurance agents can issue an ACORD 25 within 24 hours of request, and many can do it same-day. If you need specific endorsements (Additional Insured, Waiver of Subrogation), it may take slightly longer.

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