COI COI Check PASS / FAIL / NEEDS REVIEW Upload a COI

ACORD 25 Certificate Holder

Understand this ACORD 25 field, what to check, common mistakes, and how to review the field automatically.

Check COI Free Read the guide

ACORD 25 Certificate Holder

The Certificate Holder section shows who the certificate was issued to. It does not automatically make that party Additional Insured.

Where to look

Open the ACORD 25 Certificate of Liability Insurance and find the relevant field or coverage row. Compare the field against your contract requirements, vendor record, and insurance checklist.

What to check

Look for:

  • Correct legal names
  • Current policy dates
  • Coverage types
  • Required limits
  • Required indicators or wording
  • Missing or unclear fields
  • Broker or producer information
  • Authorized representative signature

Common mistakes

Common mistakes include:

  • Assuming the COI creates coverage
  • Assuming Certificate Holder means Additional Insured
  • Ignoring expiration dates
  • Missing low limits
  • Not checking whether required endorsements are attached
  • Not matching the vendor legal name to the contract

Check this field automatically

Upload your ACORD 25 and the checker will extract key fields, flag missing items, and show what needs review.

Disclaimer

This guide is for document-level review only. It does not provide legal advice, insurance advice, or confirmation that policy coverage is active.