ACORD 25 Certificate of Liability Insurance
Generate an ACORD 25 certificate of liability insurance in the Spot app from your own policies, and know what each section of the form shows.
Your declarations, forms and endorsements live in your Spot workspace, so the certificate draws from the actual policies.
AlexMaple Street Co.
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
If the request asks for an endorsement your policy doesn’t have, your Spot team requests it through your broker and insurer before the form says so.
General liability insurance
Maple Street Co. · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Create the certificate in the Spot app for the holder who asked, and send it.
AlexMaple Street Co.
Certificate of insurance
Maple Street Co.
Ready for your review
The top of the form shows the broker who placed the coverage and your business’s name and address, and the date the certificate was issued.
Each insurer on the certificate is listed by letter with its NAIC number, and every policy row points to one of those letters.
A row for each policy: general liability, auto, umbrella or excess, workers’ compensation and others, with policy numbers, effective and expiration dates and limits.
Each row has a box for additional insured and one for subrogation waived. They should only be marked when the policy has the endorsement.
Free text for the project, location, vehicles or contract, and for references to endorsements the policy carries.
The party who asked for the certificate, a note that cancellation notice follows the policy provisions, and an authorized representative’s signature.
The ACORD 25 states that it’s issued for information only, gives the holder no rights, and doesn’t amend, extend or alter the coverage of the policies listed.
The form notes that an additional insured needs the policy to have that provision or be endorsed, and that a waiver may also need an endorsement. Your Spot team requests these through your broker and insurer.
Pick the policies the request asks to see. Each becomes a row in the coverages section.
Add the requester’s name and address for the holder box.
Attach the request or list the requirements and any text for the description of operations.
Read every row, box and the description against the request, then download the ACORD 25 or send it.
The ACORD 25 is a certificate of liability insurance. Lenders and landlords asking about property may want a property form such as ACORD 28.
Wording in the description that the policy doesn’t support changes nothing, and reviewers may reject it.
Policy numbers and dates change at renewal. Generate a new certificate rather than resending an old one.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Explore coverageCommercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Explore coverageUmbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Explore coverageWorkers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Explore coverageBuy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Explore coverageGenerate an ACORD 25 certificate of liability insurance in the Spot app from your own policies, and know what each section of the form shows.
Read these before you choose a policy or an insurer.
