Table of Contents of all Post on How to Complete an ACORD 25 Certificate of Liability Insurance

For your convenience, here is a table of contents listing all posts on how to complete the ACORD 25.

First, here is a link to a YouTube video I did walking you though the process with a slightly older version of this form. Still useful...

http://simply-easier-acord-forms.blogspot.com/2009/07/how-to-fill-in-acord-25-certificate-of.html


Now, starting at the top of the form, I will show a picture of the form section and then a link to the post...

Legal Notices

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-legal-notice-part-13-how-to.html

Producer Information

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-producer-information-part-10.html

Your Agent Information

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-producer-information-part-10.html

Insured Information

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-insured-information-part-11.html

Insurer Letter and Name

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-insurer-letter-part-9-how-to.html

NAIC Number

http://simply-easier-acord-forms.blogspot.com/2014/03/what-is-naic-code.html

Commercial General Liability

http://simply-easier-acord-forms.blogspot.com/2014/03/details-in-acord-25-certificate-of.html

and

http://simply-easier-acord-forms.blogspot.com/2014/03/claims-made-vs-occurrence-definitions.html

Automobile Liability

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-auto-liability-fields-how-to_25.html

and

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-auto-liability-limits-how-to.html

Umbrella and Excess Liability

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-umbrella-and-excess-liability.html

Workers Compensation Section

http://simply-easier-acord-forms.blogspot.com/2014/03/acord-25-workers-comp-section-part-8-in.html

Other Coverage Section

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-other-coverage-part-12-how-to.html

Additional Insured and Waiver of Subrogation

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-additional-insured-and-waiver.html

Policy Number and Dates

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-policy-number-and-dates-part.html

Description of Operations

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-description-of-operations-part.html

Certificate Holder Section

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-certificate-holder-part-17-how.html

Cancellation Notice and Signature

http://simply-easier-acord-forms.blogspot.com/2014/04/acord-25-cancellation-notice-and.html

ACORD 25 - Insured Information - Part 11 How to Complete an ACORD 25 Certificate of Insurance

The INSURED section of the ACORD 25 is where you enter the Insured's Name and Address as it is required to appear by the certificate holder.

I hope this is helpful.

It may seem basic, but we all learn for the first time at some point. I want to be thorough in providing information.

ACORD 25 - Producer Information - Part 10 - How to Complete an ACORD 25 Certificate of Liability Insurance

The Producer information section in the top left hand corner of the ACORD 25 is where you enter your agency's name and address.

The contact section to the right of the PRODUCER section is where you enter your - the individual agent's - name, phone number, email and fax.

I hope this is helpful to you in learning how to complete the ACORD 25 Certificate of Liability Insurance form.

ACORD 25 - Insurer Letter - Part 9 How to Complete an ACORD Certificate of Liability Insurance Form

You enter the Insurer's name on the line labeled Insurer A, Insurer B, etc.

On the far left hand column under COVERAGES section there is a column titled INS LTR.

Enter the correctly matching Insurer letter from the INSURER(S) AFFORDING COVERAGE section into this column next to the appropriate TYPE OF INSURANCE.

I hope this is helpful. We all learned things for the first time at some point. I hope this helps you in filling out an ACORD 25 Certificate of Liability Insurance.

ACORD 25 - Umbrella and Excess Liability Section - How to Complete a Certificate of Insurance Part 7

Here is a quick run through of the Umbrella and Excess Liability sections of the ACORD 25 Certificate of Liability Insurance form.

As always, this is not a courtroom explanation, but a practical guide to help you complete the form.

You should check the box next to either the Umbrella Liability text or the Excess Liability text. While I suppose it is possible to have both an Excess and an Umbrella policy on the same insured, I cannot recall ever seeing this done.

An Umbrella policy provides liability coverage after the underlying, or primary, liability policy has been paid out. Umbrella policies have a significant retention or deductible amount the insured must pay after the primary insurance policy pays. The umbrella policy has its own terms and conditions and may provide coverage the primary policy does not provide or restrict coverage to not cover some losses the primary policy does cover.

An Excess policy can be an Excess Follow policy. This is where the coverage, terms and conditions track the primary policy.

Enter a check mark in either the Deductible or Retention box.

Deductibles and Retention - self insured retention - are not the same. They differ in the responsibilities of the carrier when a loss occurs, defense costs, collateral requirements, limits erosion and certificates of insurance details.

Generally speaking I have been told the deductible is more favorable to the insured. My Daddy always told me for a variety of reasons that it is always best in the event of a loss to have all your policies with the same carrier.

Show the liability limits of coverage - for example $1,000,000.  or $5,000,000, etc next to the appropriate "Each Occurrence" and "Aggregate" text.

If your insured has a deductible you do not have to show the deductible limit on the certificate of insurance, but if they have a self insured retention you do need to show that amount in the box under the other limits.

I hope this is helpful. We all learned everything for a first time as some point. Some of us continue to learn.

Next up is the Workers Compensation Section of the ACORD 25 Certificate of Liability Insurance.