ACORD · US
Issue ACORD 25 certificates without retyping your policy
Drop the ACORD 25 PDF, pull the insured and policy details from a saved profile, edit only the certificate holder and description, and export a clean certificate.
The ACORD 25 is the certificate of liability insurance that landlords, vendors, and general contractors ask for before they let you on site. It shows coverage that already exists. It does not change the policy. Most agencies retype the same named insured, carriers, and policy numbers on every certificate, and one wrong digit sends the request back. FillWizard keeps the policy details in a profile, so each new certificate starts from verified values.
Certificate of Liability Insurance
The ACORD 25 lists the coverage a certificate holder needs to confirm: the insured, the insurers, policy numbers and limits, effective dates, and any additional insured or waiver of subrogation status.
The producer or account manager fills the ACORD 25. The certificate holder is named in the bottom block, and the producer signs the certificate. The insured does not sign it.
Where teams lose time
- Retyping the named insured, carriers, and policy numbers for every certificate
- Endorsement form numbers mistyped in the description of operations
- Certificates sent to the wrong holder because the last request was copied
Why FillWizard
What you get from a saved profile
Endorsement form numbers stored once and picked from a list
Only the certificate holder and description change between requests
Workflow
How to fill ACORD 25
01
Save the insured's policy profile once (named insured, carriers, policy numbers, limits, effective dates)
02
Upload the ACORD 25 PDF from the carrier or your template
03
Edit the certificate holder and description of operations, review the values, and export the filled PDF
What it covers
Inside ACORD 25
What ACORD 25 asks for
The top of the form carries the producer, the insured, and the insurers with their NAIC numbers. The coverage grid lists each policy type with its policy number, effective and expiration dates, and limits. The bottom blocks hold the certificate holder, the description of operations, and the cancellation notice language.
Why the description block causes most rejections
Additional insured and waiver of subrogation status is written in the description block, usually with endorsement form numbers such as CG 20 10 or CG 24 04. Holders check those numbers against the policy. A profile stores the numbers once, so the description matches the policy every time.
What the certificate does not do
An ACORD 25 confirms coverage that exists on the date it is issued. It does not extend coverage, and it does not replace an endorsement. If a holder asks for coverage the policy lacks, the broker needs to add the endorsement first.
Watch out for
Common mistakes on ACORD 25
- Listing a policy number that expired last quarter as current
- Naming the certificate holder without its full legal name and address
- Describing additional insured status without the endorsement form number
- Editing the wrong insured's profile after copying an older certificate