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 holders 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
You can create certificate of insurance templates too. Then they'll be
ready when you are, this will save you many hours of typing.
Check out our streaming videos today. Click this link now to start the
tour... Guided Tour
How to Complete a Certificate of Liability Insurance 25
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 form.
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
ACORD 25 was designed to collect policy limit information based on the ISO
commercial lines program . It addresses both Claims Made and Occurrence
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
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 company.
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 certification.
The ACORD Certificate should be issued only in compliance with company
instructions. ACORD recommends that the Certificate NOT be used in the
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
To quote wording from a contract
To attach to an endorsement
To quote any wording which amends a policy unless the policy itself has
Kentucky, Minnesota, North Carolina and Wisconsin require the filing of
certificate of insurance forms. ACORD has filed all of its certificates in
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
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 names.
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
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 Aggregate
Complete this section if you are certifying general liability coverage.
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 Insurance.
Complete this section only if you are certifying garage liability. Use
the available lines or the "Any Auto" option to indicate coverage
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 "Disease-Policy Limit".
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 insureds.
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.
Form must be signed by an agent, broker, or other representative
authorized by all companies to issue Certificates.