1. Which ACORD form is used to issue a Certificate of Insurance (COI)?
The standard ACORD form used to issue a Certificate of Insurance is ACORD 25.
You will find the applicable ACORD forms attached in this document for reference.
2. What type of insurance does ACORD 25 cover?
ACORD 25 is used for Property & Casualty insurance, including:
- Umbrella / Excess Liability
3. When should I use ACORD 28 instead of ACORD 25?
Use ACORD 28 when a Certificate of Property Insurance is specifically required.
This form provides more detailed property coverage information than ACORD 25.
4. Is ACORD 25 legally binding coverage?
No. ACORD 25 is for informational purposes only.
It does not amend, extend, or alter the coverage provided by the policy.
5. Can ACORD 25 be used for personal insurance policies?
No. ACORD 25 is intended for commercial policies only.
6. Who typically requests a COI using ACORD 25?
COIs are commonly requested by:
7. What information is required to generate an ACORD 25 COI?
To issue an ACORD 25, you typically need:
- Insured’s legal name and address
- Policy numbers and effective dates
- Types of coverage and limits
- Certificate holder’s name and address
- Description of operations (if applicable)
8. Can I add additional insured wording on ACORD 25?
Yes. Additional insured wording can be included in the Description of Operations / Locations / Vehicles section, provided the policy includes the appropriate endorsement.
9. What happens if the certificate holder requires specific wording?
Always verify that the requested wording:
- Is allowed by the carrier
- Matches the policy endorsements
- Does not alter coverage beyond what the policy provides
10. What is the most common mistake when issuing a COI?
The most common mistakes are:
- Using the wrong ACORD form
- Adding wording not supported by the policy
- Listing incorrect policy limits or dates