ACORD 25 - Legal Notice - Part 13 How to Complete a Certificate of Liability Insurance

At the very top of the ACORD 25 Certificate of Liability Insurance There are two sections of legal notices.

THESE ARE INCREDIBILITY IMPORTANT

The first notice states the certificate is not the policy and does not amend the policy. To protect yourself from E&O exposures you need to keep this in mind when you put information into the form. Of particular concern should be what goes into the Description of Operation section. Be certain you do not use wording that could be seen as expanding or modifying the coverage of the policy contract.

The Second notice warns about showing the certificate holder as an Additional Insured or showing Subrogation as Waived. You need to be certain your actual policy is amended to track the certificate for these two items.

I will discuss these two items in the very next post.

As always, this is not a court room explanation, but basic information to help you understand how to complete the ACORD 25.

We all learn for the first time at some point. I hope this is helpful to you in learning how to complete a certificate of liability insurance.