ACORD 25 - Additional Insured and Waiver of Subrogation Indicators - Part 14 How to Complete a Certificate of Liability Insurance

About a third of the way from the left hand side of the COVERAGE section, next to the TYPES OF INSURANCE are two columns labeled ADDL INSD and SUBR WVD.

For each applicable coverage type you should put a check mark in the box for Additional Insured if the certificate holder on this policy is also listed as an Additional Insured on the actual policy. It is important to note if you check this box and the actual policy does not show the certificate holder listed as an Additional Insured, checking this box has not made that coverage available. It may have, however, made you and your agency open to an E&O claim over that error.

An Additional Insured is a person or legal entity which is not included as a Named Insured under the Policy Definitions, but is added by endorsement to the policy to be an insured. A more complete definition is available from IRMI.

For each applicable coverage type if the policy includes a Waiver of Subrogation you should put a check mark in the box labeled SUBR WVD.

Subrogation is the assignment of the insured's rights to collect the amount of a loss from the liable party from the Named Insured to the insurance carrier for the coverage type.

Subrogation can be waived by endorsement to the actual policy. Be certain the polciy has been endorsed if you check this box.

I hope this helps you learn how to complete an ACORD 25 certificate of liability insurance.