Certificates of Insurance are
easy to manage in Forms Boss.
We designed our certificates of Insurance to be easy to fill
in and maintain. Doing renewals is a snap. You can
simply create a certificate and add as many holders to it as you
want without having to create a new certificate every time.
Forms Boss allows
you to maintain a master list of holder too, so you don't have to
re-type them every time. You just click a button and drop the
holders onto the certificate of insurance. When you print the
form you can choose to print a single holder, a group of holders or
the entire list.
Here's a video
that will show you how our Certificates work
Certificates of Insurance video.
You can create
certificate of insurance templates too. Then they'll be ready
when you are, this will save you many hours of typing.
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How to Complete a Certificate of Liability
The Certificate of Insurance ACORD 25
is "issued as a matter of information only, and confers no rights
upon the certificate holder. This certificate does not amend,
extend, or alter the coverage afforded by policies".
The above information is included in the opening statement of the
If the receiver of the form wants to verify that liability coverage
exists on a policy and has no direct interest in the policy, use the
certificate of insurance. However, if the receiver of the form does
have a verifiable interest in the policy, such as an additional
insured, the liability policy must be amended by endorsement, to
provide the appropriate coverage for the interested party prior to
issuing a certificate of insurance (since the certificate confers no
rights upon the holder and does not amend the policy).
ACORD 25 was designed to collect policy limit information based on
the ISO commercial lines program . It addresses both Claims Made and
Purpose of the Certificate of Liability Insurance
The purpose of the Certificate of Liability has been the topic of
frequent discussions throughout the industry. Attention centers
around the true purpose of a certificate and the rights, if any, it
conveys to a certificate holder.
In 1974, the Court of Appeals, Fifth District ruled that a
certificate is not a contract between the holder and the insurer. It
only provides information to an interested third party that
insurance is in force at the time of issuance. The court also
stated: "The provision regarding notification in the event of
cancellation is a mere promise, unsupported by any consideration."
Although many companies provide notice of cancellation to
certificate holders, they are not obliged to do so, since the holder
is not a party to the contract. Agents or brokers should not change
any provision on this form without prior consent of the issuing
The Certificate of Liability Insurance is used for most casualty
situations in which the insured has requested certification to a
third party of issued casualty coverages.. The uses of the
Certificate can include large and small contracting or manufacturing
risks, lessor/lessee agreements, or other areas of liability
The ACORD Certificate should be issued only in compliance with
company instructions. ACORD recommends that the Certificate NOT be
used in the following situations:
To waive rights
To provide information to the owner of a leased motor vehicle or the
lender about both liability and physical damage coverages applying
to the vehicle (ACORD 23, Leased Auto Certificate of Insurance,
should be used for this)
To quote wording from a contract
To attach to an endorsement
To quote any wording which amends a policy unless the policy itself
has been amended
Kentucky, Minnesota, North Carolina and Wisconsin require the filing
of certificate of insurance forms. ACORD has filed all of its
certificates in these states.
In these states, the text of ACORD's certificates cannot be
modified, unless the modified form is filed for approval by the
respective state Department of Insurance.
Additionally, virtually every other state will not allow any change
in a certificate of insurance that would attempt to modify a policy
unless the revised certificate is filed and approved.
Month/day/year which the form is completed.
INSURERS AFFORDING COVERAGE
Insurer Letter A through E
This section is designed for use in certifying coverage issued by
many as five companies. Enter only full legal company name(s) as
found in the file copy of the policy. Do not enter group or trade
Enter the NAIC number for each insurer affording coverage.
Enter the Insurer Letter, as identified in the Insurers Affording
Coverage section, next to the appropriate coverage(s).
Use this column if the certificate holder has been named as an
additional insured for any of the coverages described in the
certificate. Place a check mark next to each coverage where an
additional insured endorsement has been issued.
Show the number exactly as it appears on the policy, including
prefix and suffix symbols for each "Type of Insurance".
Policy Effective Date
Date on which the terms of the policy commenced.
Policy Expiration Date
Date on which the terms and conditions of the policy expire.
All limits should be listed as whole dollar amounts. Enter limits
corresponding to those found on the policy declarations page. Any
questions about appropriate limits or applicable policy coverage(s)
should be answered by the issuing insurer(s).
Med. Exp. . . . . . . . . . . . . . . . Medical Expense
Personal & Adv. Injury . . . . . . . Personal and Advertising Injury
Products-Comp/Op Agg . . . . . . Products and Completed Operations
Complete this section if you are certifying general liability
Commercial General Liability
Check this box for Commercial General Liability (CGL) and one of the
corresponding boxes to designate the type of policy issued, Claims
Made, or Occurrence (Occur).
Other General Liability Coverages
The two open option boxes available allow listing of liability
coverages not found on this form. List the coverage type next to the
available box. An example of this would be issuing a certificate for
Comprehensive Personal Liability. The first box would be checked and
"Comprehensive Personal Liability" would be inserted on the line
after the box.
General Aggregate Limit Applies Per
Check the appropriate box to indicate if the general aggregate limit
applies per policy, per project, or per location.
Complete this section only if you are certifying automobile
liability. Check all appropriate boxes to correspond with the
covered auto symbols found on the policy declarations page.
The last available option box allows listing an automobile liability
coverage not found on this form. List the coverage type next to this
If the certificate is being issued to the owner of a leased vehicle,
DO NOT USE THIS FORM. Use ACORD 23, Leased Auto Certificate of
Complete this section only if you are certifying garage liability.
Use the available lines or the "Any Auto" option to indicate
Complete this section only if you are certifying some type of excess
or umbrella liability policy. Check the appropriate box to indicate
whether the "coverage trigger" is on a claims-made or an occurrence
basis. Also show any deductible or retention amount.
Workers Compensation and Employers' Liability
If workers compensation coverage is based on statutory limits, check
the appropriate box within the limit section. If other limits apply,
check the appropriate box and show the limits in the "Other"
section. If Employer's Liability is to be certified, show the limits
applicable to "Each Accident", "Disease-Each Employee" and
This section certifies other coverages that are not listed on the
form. The type of insurance, policy number, policy effective date,
policy expiration date and limits sections should be completed.
Description of Operations/Locations/Vehicles/Exclusions Added by
Record information necessary to identify the operations, locations
or vehicles for which the certificate was issued. Any exclusion
endorsement or special policy conditions should also be indicated.
Information about additional insureds should also be shown here.
However, if it is necessary to show several additional insureds for
liability coverages (e.g., mortgagees, vendors, landlords, etc.),
and there is not enough room on the form, use the Descriptions box
to indicate "see Additional Interest form, ACORD 45, attached" and
use ACORD 45 to show the information pertinent to the additional
Name and mailing address of the individual or entity for whom the
certificate is being prepared. The line within this field is a
margin setting for window envelopes.
Number of days in which the company will endeavor to mail a written
cancellation notice. This amount is subject to approval by the
Form must be signed by an agent, broker, or other representative
authorized by all companies to issue Certificates.
105 Ford Ave., STE 5
Kingsport, TN 37663