What is an ACORD 25 form?
Starting a career in insurance means getting to know the forms and applications you’ll use daily in your Agency Management System (AMS). Read on for details about the documents, such as the the Acord 25 form, you’ll rely on each day to manage client information and insurance policies.
The Acord 25 is commonly known as the Certificate of Liability Insurance. This acord form is often required in business contracts when a party must hold a specific amount of insurance. A certificate of insurance liability form serves as proof of coverage for the third-party (often called the “certificate holder”).
If you’re wondering whether you need to know how to fill out an Acord 25, the answer is absolutely yes. Below, we’ll explore the sections of the Acord 25 – Certificate of Liability Insurance. Scroll to the bottom of this page to see a live version or click here to download a copy.
Agency and Insured Information
At the top of the Certificate of Liability Insurance form, you’ll enter Agency and Insured Information, along with carrier details. Under Producer, include the Agency name and full address, plus a contact name, phone number, fax number, and email. For the Insured, provide the complete named insured and mailing address. In the lower right-hand section, list the carrier name for each insurance company that is granting coverage on the certificate.
Coverages Section - ACORD 25
Next, you’ll move on to the Coverages area. You’ll need to supply information for each applicable line of coverage: Commercial General Liability, Automobile Liability, Umbrella or Excess Liability, and Workers Compensation.
- Commercial General Liability: Include the carrier, specify Claims-Made or Occurrence, note the General Aggregate (per policy, project, or location), and list limits for each occurrence, property damage, bodily injury, and personal & adv injury.
- Automobile Liability: Mark all relevant auto coverages.
- Umbrella Liability: Indicate whether the policy is on a claims-made or occurrence basis.
- Workers Compensation: Specify “yes” or “no” if proprietors, partners, officers, or members are excluded from workers compensation and employers liability.
For each line of coverage, you’ll also indicate “yes” or “no” for Additional Insured and whether subrogation is waived, as well as the policy number, policy period, and policy limits.
Description of Operations - ACORD 25
In the Description of Operations section, detail the operations, locations, vehicles, exclusions by endorsement, and any special provisions for which the certificate was issued.
Certificate Holder and Cancellation
The final part of the Certificate of Liability Insurance provides space for the certificate holder’s name and mailing address. You’ll also see a standard cancellation notice and a spot for the signature of an authorized representative from the agency.
Accessing and Completing Acord Forms
A blank certificate of insurance (Acord 25) is generally available in your AMS. Complete it and then send the acord certificate of insurance to the client for review and forward to the certificate holder. Much of the key data—such as the NAIC number, products-comp/ops aggregate, and whether subrogation is waived—will often auto-populate from your agency management system, saving you time when you fill out the Acord 25 form.
Frequently Asked Questions
The ACORD 25 form, also known as the Certificate of Liability Insurance, consists of several key sections: Insured and Insurer or Insurance Company information, Coverages Section, Description of Operations/Locations/Vehicles, Certificate Holder, Cancellation Notice
Wrong Policy Numbers: Pair each insurance type with its correct policy number.
Mismatched Dates: Verify that effective and expiration dates are correct for each policy.
Inaccurate Coverage Details: Ensure all essential coverage information is accurately reported.
Omitted Exclusions: Include any exclusionary endorsements to avoid misrepresentation.
Incorrect Insured Info: Use the business name and proper address, not an individual’s name.
Listing Nonexistent Coverage: Only list coverage that is actually provided.
Missing or Wrong NAIC Numbers: Check that each insurer’s NAIC number is correct.
The insured is the individual or entity that owns the insurance policy and has paid for the coverage.
The certificate holder is the party that receives the documentation confirming that the insurance is in place—this is often a client, contractor, or another interested party.
The ACORD 25 is used to show evidence of liability insurance, demonstrating that the insured has protection against liability claims.
The ACORD 28 is the form provided to confirm commercial property insurance coverage, verifying protection for property-related risks.
The insured is the policyholder who has purchased the insurance coverage. The certificate holder is the party requesting proof of insurance, often a client or contractor
