Acord 25 Certificate of Insurance

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General Liability

$1,000,000 Limit


Pause Policy

Best Small Business Insurance

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Thimble makes general liability insurance affordable.

  • Monthly and on-demand policies
  • No extra fees or deposits
  • Add Additional Insureds at no extra cost
  • Unlimited Certificates of Insurance
  • Waivers of Subrogation at no extra cost
  • Pause or cancel at any time*

Voted Best Insurance for the Smallest Businesses

What is an ACORD 25 Certificate of Insurance?

A Certificate of Insurance (COI) is a physical or electronic document that provides proof to your clients or business partners that you have a valid, active insurance policy.

Many Certificates of Insurance you see were created by a company called ACORD (Association for Cooperative Operations Research and Development), which develops form templates that have become the industry standard.

An ACORD insurance form summarizes the key details of your insurance policy, including:

  • Your legal name and business information
  • The insurer who issued your policy
  • The policy number, effective date, and expiration date
  • The type of coverage included
    (e.g. professional liability or general liability)
  • Insurance limits and deductibles in dollar amounts
  • It may also show that the certificate holder is an Additional Insured

Thimble issues all policyholders and Additional Insureds an ACORD 25 certificate, which generally comes in PDF format.

A COI provides proof that you have business insurance and are protected against claims of bodily injury, property damage or negligence.”

The content on this page has been verified by
Terri Hitchcock, JD
Chief Insurance Officer, Thimble
Terri has 38 years of industry experience and knows a thing or two about insurance, so she reviewed and approved everything on this page.

How much does a Certificate of Insurance cost?

With Thimble, it’s free! Once you have purchased your general liability insurance or professional liability coverage, you can access your ACORD Certificate of Insurance at no additional cost.

The cost of your 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.

Why do I need to show proof of liability insurance?

A COI is important because, quite simply, it gives small business owners and contractors the confidence that they’re protected by insurance, and in turn, their clients have protection as well. It’s the document that provides others with proof that you have business liability insurance for claims of bodily injury, property damage, or negligence, depending on your policy.

Many companies and individuals may also require you to provide a COI before signing a contract, for the same reason: if something goes wrong, they want to rest assured that they won’t have to foot the bill or make a claim under their own insurance policies.

How long does it take to get one?

With Thimble, it’s instant. Usually you’d have to wait a few days for a broker to send it to you, but when you purchase a Thimble policy, your proof of insurance appears immediately in your inbox.

Got it? COIs, free and instant. Not too shabby.

*A policy under 24 hours in duration cannot be canceled, nor its paid premium returned, once the policy incepts. Only Thimble Monthly policies can be paused, one time and for up to 30 days