ACORD 25 Form: Download PDF & Step-by-Step Guide

ACORD 25 Form: Certificate of Liability Insurance

The ACORD 25 form is essential in the insurance industry for providing proof of liability insurance. It’s widely used to ensure that businesses, contractors, or vendors are adequately insured for specific liabilities before engaging in contracts or services. Accurate completion of this form is critical for legal and business operations.

This guide covers everything you need to know about the ACORD 25 form, including how to fill it out and related insurance forms you might encounter.

What is an ACORD 25 Form?

The ACORD 25 form is a Certificate of Liability Insurance (COI). It provides official documentation that a policyholder has active liability insurance coverage. Many industries, including construction and real estate, require this form as part of the contract process to ensure that businesses and individuals are adequately covered for potential liabilities.

For related insurance forms, you may also want to learn about the ACORD 35 form used for cancellations or policy changes.

ACORD 25 Form Template PDF

Looking to download the ACORD 25 Form Template PDF? This template is crucial for providing proof of liability insurance in various business settings. Download the PDF to ensure all required details are filled out accurately. For more help, read our step-by-step guide below on completing the ACORD 25 form.

How to fill an ACORD 25 Form

Follow these steps to complete the ACORD 25 form accurately:

1. Date: Enter the date when the form is filled out (MM/DD/YYYY).

2. Producer Information:

Provide the insurance broker/agent with details, including the company name, contact name, phone number, and email.

Example:

Producer Name: ABC Insurance Agency

Contact Name: John Doe

Phone: (123) 456-7890

Email: johndoe@abcinsurance.com

3. Insured:

Provide the insured’s name and address (the individual or entity with the coverage).

Example:

• Insured Name: XYZ Construction, Inc.
• Address: 123 Main Street, Suite 500, Anytown, NY 12345

4. Insurer Details:

For each insurer (A, B, C, etc.), list the insurance company’s name and NAIC number.

Example: 

• Insurer A: Hartford Insurance Co. - NAIC #12345
• Insurer B: Travelers Insurance - NAIC #54321

5. Coverages section:

Input policy details for the various types of liability:

A. General Liability: Include the policy number, coverage limits (per occurrence and aggregate limits), and effective and expiration dates. 

Example

• Policy Number: GL123456789
• Effective Date: 01/01/2024
• Expiration Date: 12/31/2024
• • Coverage Limits: Each Occurrence: $1,000,000
  • Damage to Rented Premises: $100,000
  • Medical Expense (Any one person): $5,000
  • Personal & Advertising Injury: $1,000,000
  • General Aggregate: $2,000,000
  • Products - Completed Operations Aggregate: $2,000,000

B. Automobile Liability: Provide vehicle-related coverage details, including the combined single limit or bodily injury and property damage amounts.

Example 

• Policy Number: AU987654321
• Effective Date: 01/01/2024
• Expiration Date: 12/31/2024
• Coverage Limits:
  • Combined Single Limit: $1,000,000
  • Bodily Injury (Per Person): $500,000
  • Bodily Injury (Per Accident): $1,000,000
  • Property Damage: $500,000

C. Umbrella/Excess Liability: If applicable, add the excess liability limits.

Example 

• Policy Number: EX111222333
• Effective Date: 01/01/2024
• Expiration Date: 12/31/2024
• Each Occurrence: $5,000,000
• Aggregate: $5,000,000

D. Workers Compensation and Employers' Liability: Enter workers' compensation coverage details, policy number, and limits, and indicate any exclusions for certain officers or employees.

Example

• Policy Number: WC333444555
  
• Effective Date: 01/01/2024
• Expiration Date: 12/31/2024
• Workers Compensation: Statutory Limits
• Employers' Liability:
• Each Accident: $1,000,000
• Disease - Each Employee: $1,000,000
• Disease - Policy Limit: $1,000,000

E. Other: Add any additional types of coverage that may be relevant to the insured's business.

6. Description of Operations:

Specify any relevant operations, locations, or vehicles covered by the policy. Example: "General contractor for commercial building projects in New York, NY. Certificate covers liability related to all ongoing operations and use of company-owned vehicles. Additional insured: ABC Property Management, Inc."

7. Certificate Holder:

Fill in the name and address of the entity requesting the certificate.

8. Cancellation:

Indicate conditions for notifying the certificate holder if the policy is canceled.

9. Authorized Representative:

The insurance agent or broker must sign the form.

Everyday Use Cases 

• Construction Projects: Before starting a job, contractors are often required to submit an ACORD 25 form to demonstrate liability coverage.
• Vendor Agreements: Companies may request an ACORD 25 form from vendors to verify their insurance status before engaging in business.
• Business Contracts: Many industries require proof of liability insurance to mitigate risks associated with legal liabilities.

For additional guidance on insurance documentation, check out the ACORD 23 form for vehicle or equipment certificate of insurance.

ACORD 25 Form vs. ACORD 35 Form: What's the Difference?

• ACORD 25 Form: Used to provide proof of liability insurance. It shows the policyholder's coverage and is primarily used in business and contractual settings.
• ACORD 35 Form requests cancellations or changes to an existing insurance policy. For instance, if a policyholder wants to cancel or modify their coverage, they would use this form.

Both forms serve different yet complementary roles in managing insurance coverage. For more on cancellations or policy changes, refer to the ACORD 35 form.

Best Practices for Submitting

1. Submit on Time: Ensure the form is sent to the requesting party before the deadline, as delays can halt projects or business operations.
2. Keep Copies: Maintain a copy of the completed form for your records in case any issues arise.
3. Check for Updates: Be proactive about sending updated forms when policies renew or change to avoid lapses in proof of coverage.

Need more resources for managing your insurance documentation? Visit the ACORD 27 form, which is used to verify property insurance.

Conclusion: Certificate of Liability Insurance

The ACORD 25 form is essential for businesses, contractors, and vendors needing proof of liability insurance. By ensuring accurate and timely submission, you safeguard your business relationships and maintain compliance with industry regulations.

To further explore related insurance forms and certificates, check out the following guides on Eduyush:

• ACORD forms: What are ACORD forms
• Certificate of insurance
• Certificate holder insurance
• Business hazard insurance