Preparation guide and PDF access

ACORD 25: Certificate of Liability Insurance.

Communicates liability insurance information to a certificate holder. A certificate does not itself add an insured, grant a waiver or amend a policy.

Request help getting the form from Hedge, or use your eligible ACORD account to open the official PDF. We confirm availability and the appropriate access route for your request.

Form numberACORD 25
Edition shown in index2025/12
Source reviewed2026-11-01
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Electronic fillable PDF access

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Already have an eligible ACORD account? Open the Forms Portal and search for form 25. Check the edition your intended market accepts before completing it. An ACORD account and eligible Forms program are required.

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ACORD 25 details

How the form is used.

What is ACORD 25 used for?
Communicates liability insurance information to a certificate holder. A certificate does not itself add an insured, grant a waiver or amend a policy.
Is ACORD 25 editable?
Yes. Request access help from Hedge or choose the electronic fillable PDF in ACORD's licensed Forms Portal.
Which edition is shown?
2025/12 was observed in ACORD's index on 2026-11-01. The intended market decides what it accepts.
Does Hedge host the PDF?
No. Hedge explains the form and links to ACORD's licensed source.
Before completing ACORD 25

Prepare the certificate of liability insurance.

Preparation guidance from Hedge. Follow the instructions in the accepted form edition and the intended market's requirements.

  1. Match each requested coverage to an actual policy
  2. Review additional-insured and waiver requests separately
  3. Check limits, dates and certificate-holder identity
Illustrative preparation example

What a clearer packet looks like.

A general contractor requests a certificate plus additional-insured status for a subcontractor. Identify the required endorsement separately; typing a party into a description box does not establish that coverage.

Hypothetical example, not a placement result or a coverage determination.

ACORD 25 vs. 45

The additional-interest schedule organizes parties and interests. A liability certificate communicates insurance information. Neither is a substitute for an applicable endorsement.

Read the ACORD 45 guide
Information organized

Facts to prepare.

  • Match each requested coverage to an actual policy
  • Review additional-insured and waiver requests separately
  • Check limits, dates and certificate-holder identity
Quality control

Review before using the form.

  • Confirm the form and edition accepted for this transaction
  • Keep names, dates and references consistent with the supporting documents
  • Resolve missing or uncertain facts with the responsible party before use
Edition, rights, and market boundary

The edition shown is the edition observed in the official index on the review date. Confirm the acceptable edition, jurisdiction, and related forms with the intended market. Hedge does not publicly host the ACORD file. Any document delivery requires verification of the exact file and permitted access route.

Related Hedge forms

Hedge-owned supplements that may add class detail.

These fillable Hedge resources can support preparation but do not replace a required ACORD or market-specific application.

Common questions

Use ACORD 25 correctly.

Where can I get help accessing the editable ACORD 25 PDF?

Request ACORD 25 from Hedge for help identifying the current edition and an authorized access path, or use ACORD's official Forms Portal. Hedge does not publicly host the ACORD PDF. Document delivery depends on verified availability and permitted access.

What should I prepare for ACORD 25?

Match each requested coverage to an actual policy; Review additional-insured and waiver requests separately; Check limits, dates and certificate-holder identity.

Is edition 2025/12 accepted by every market?

No. That is the edition observed in ACORD's index on the source-review date. Confirm the edition, jurisdiction, related forms, and any market-specific application before releasing the packet.

Editorial owner: Hedge Specialty. Form identity checked 2026-11-01; preparation guidance is general and should be checked against the accepted form.

Sources

Verify against the publisher.

Official source

ACORD Forms Index

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

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Official source

ACORD Forms Portal

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

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Official source

ACORD Forms Program

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Official source

ACORD eForms

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Next step

Assemble the account-specific packet.

Use the class submission guide to identify the underwriting facts and Hedge forms that may apply, then have Hedge confirm the intended market and route.