What is an ACORD 25 form?
ACORD 25 is the standard Certificate of Liability Insurance form used across the U.S. insurance industry. When someone asks for "a COI," they almost always mean an ACORD 25 — it lays out general liability, auto, umbrella, and workers' compensation coverage in one fixed, familiar format.
What's on the form
The ACORD 25 has a row for each type of liability coverage, the policy number and dates, and the limits for each. A box at the bottom names the certificate holder, and the "Description of Operations" field is where brokers note things like additional insured status or a waiver of subrogation.
ACORD 25 vs. other ACORD forms
ACORD 25 covers liability. Property coverage shows up on different forms — ACORD 27 and ACORD 28 — which a landlord or lender may request instead. If you are tracking vendors, the ACORD 25 is the one you will see most.
Why the standard format helps
Because every ACORD 25 puts the same data in the same place, software can read it reliably — pulling the limits, dates, and coverage types automatically instead of making you key them in by hand.
Related terms
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