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ACORD Certificate of Liability Insurance
Definition. An ACORD Certificate of Liability Insurance is a standardized one-page form (ACORD 25) that summarizes the active insurance coverage on a business — used to prove coverage to landlords, clients, and counterparties.
Also known as:
ACORD 25, Certificate of Insurance, COI
ACORD (Association for Cooperative Operations Research and Development) publishes the industry-standard forms commercial insurance uses, including the ACORD 25 Certificate of Liability Insurance. The certificate lists the policy holder, carriers, policy numbers, effective dates, coverage types, and limits. It is informational only — it does not extend coverage to the certificate holder, modify the policy, or grant rights beyond those in the policy itself.
Most commercial leases, vendor contracts, and event-permit applications require an ACORD 25 before work or occupancy can begin.
Example
A general contractor requires every subcontractor to provide an ACORD 25 listing the general as a Certificate Holder before they can start work on a job site.
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Disclosures
📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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