ACORD Certificate of Insurance

All your questions about the ACORD certificate of insurance, answered.

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What is a Certificate of Insurance?

A certificate of insurance (COI) is a physical or electronic document that provides proof to anyone you work with that you have a valid insurance policy in place. Most certificates of insurance are issued by a company called ACORD (Association for Cooperative Operations Research and Development), which develops form templates that have become industry standards.

Thimble issues all policyholders and Additional Insureds with an ACORD 25 certificate. An ACORD certificate of insurance generally comes in PDF format. A certificate purely for proof of insurance does not amend the terms or conditions of your policy; however, adding an Additional Insured to the certificate does amend the terms and conditions.

Why do I need to provide a Certificate of Insurance?

A COI is important because, quite simply, it is the document that provides you with proof that you have insurance. However, many companies that you provide services to may ask to be added as an Additional Insured to your policy, so that they are covered for any damage you may cause within the scope of work you provide to them.

In addition to the peace of mind that a COI provides for you as a small business owner or freelance worker, many companies or individuals that you work with may require you to provide a COI for the same reason: if something goes wrong, they want to rest assured that they won’t be responsible for footing the bill.

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How much does a Certificate of Insurance cost?

With Thimble, it’s free! Once you have purchased your General Liability insurance coverage, you can access your ACORD certificate of insurance at no additional cost. The cost of your General Liability insurance coverage will vary based on a number of factors, most notably your industry and your zip code. Our plans start at $5 with $0 deductible for a $1 million policy. Ready to explore your options? You can get a quote for coverage that meets your specific needs. We provide coverage for workers in the following industries:

How do I get my Certificate of Insurance?

Once you’ve purchased a policy, viewing and sharing your certificate of insurance is easy. If you have just purchased a policy, you will see the “Congratulations” Policy Detail screen with an option to “Go to My Certificates.” On the mobile app, you can also go to “Certificates and Docs” in the drawer menu, then tap on “View Certificate” or “Individual Certificate” under “Documents.” Once you tap “Go to My Certificates,” your individual ACORD 25 certificate of insurance will load. COIs are only available for purchased policies.

If the policy has Additional Insureds, they will appear in the accordion menu at the top of the page in the mobile app. Tap to reveal the Additional Insureds, and tap on the Additional Insured whose certificate pack you want to view. They will be the certificate holder and the pack will contain their Additional Insured endorsement adding them to the policy, as well as a Waiver of Subrogation.

Can I share my Certificate of Insurance?

You can share your certificate of insurance documents in a few taps within the mobile app. If you want to email the certificate pack (i.e. to an Additional Insured), use your phone’s built-in sharing function: tap the sharing icon in the upper right and the OS menu will open.

On the policy or certificate cover sheet there is a verification link right after “Validate this Policy Online.” You may copy and paste this URL into a web browser, or click it directly if this functionality is enabled in your PDF reader. A web page will open which displays the live status of the policy.