Acord 25 Certificate of Insurance

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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)
The insurer who issued your policy
The policy number, effective date, and expiration date

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 insurnace and are protected against claims of bodily injury, property damage or negligence.

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.

Certificate of Insurance FAQs

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.

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