What is an ACORD 25 Form?
The ACORD 25 Certificate of Liability Insurance is the universal standard used across construction, real estate, and facilities management to verify commercial liability coverage.
An ACORD 25 is a standardized one-page summary issued by licensed insurance agents to certify that a named insured maintains active general liability, automobile liability, excess/umbrella, and workers’ compensation policies with specific limits and coverage dates.
Key Sections of the ACORD 25 Form
Producer & Insured Boxes
Top section identifying the issuing broker agency and the exact legal business entity of the subcontractor.
Insurers Affording Coverage
Lists insurance carriers alongside their 5-digit NAIC identification numbers to verify AM Best financial strength.
Policy Lines & Limits
General Liability ($1M/$2M typical), Auto Liability ($1M CSL), Umbrella ($1M-$5M+), and Workers’ Comp statutory limits.
Description of Operations
Crucial box detailing jobsite name, project number, Additional Insured, and Primary/Non-Contributory wording.
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