Fill out Certificate of Liability Insurance Online in 2026

What is a certificate of liability insurance?

A certificate of liability insurance (COI) is a one-page document, usually the ACORD 25 form, that summarizes a business's active liability policies: the insurers, policy numbers, dates and limits. Clients and partners ask for it as proof that the business is insured.

When is a certificate of liability insurance required?

Clients ask for a COI before signing a contract, general contractors before letting subcontractors on site, landlords before handing over a lease, and event venues before setting up a booth. Many contracts also require it to be renewed each year.

How to fill out a certificate of liability insurance?

1. Open the ACORD 25 in the Profi PDF editor.

2. Producer: enter the agency's name, address and contact details.

3. Insured: enter the business's legal name and address exactly as they appear on the policy.

4. Insurers A–F: list each insurance company with its NAIC number.

5. For each policy (general liability, auto, umbrella, workers' compensation), enter the insurer letter, policy number, effective and expiration dates, and limits.

6. Description of operations: describe the project or location, plus any additional insured or waiver of subrogation wording the holder asked for, but only where the policy has the matching endorsement.

7. Certificate holder: enter the name and address of the party that asked for the certificate.

8. The agent or broker signs as authorized representative.

9. Download the PDF and send it to the certificate holder.

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What are the parts of a certificate of liability insurance?

Producer (the agency), insured (the business), insurers affording coverage, coverages (policy types, numbers, dates and limits), description of operations, certificate holder, cancellation notice, and the authorized representative signature.

Who issues a certificate of liability insurance?

The insurance company or the agent or broker who placed the policy. They confirm the policies listed are active and sign as authorized representative.

How do I get a certificate of liability insurance?

Ask your insurance agent or broker, and tell them who needs it and any wording the holder asked for. Agents can usually send one the same day. If you prepare the details in Profi PDF first, your agent only has to check and sign them.