ACORD 25 tracking for vendor certificates
The ACORD 25 is the certificate of liability insurance most vendors send. Tracking it means more than storing the PDF. It means reading what it actually says and lining that up with what you required.
What an ACORD 25 is
It is a certificate, not the policy. It lists liability lines, limits, dates, the producer, the insured, and a certificate holder. It can claim Additional Insured on the face. The coverage still lives on the policy and the endorsements.
If you treat “we got an ACORD 25” as compliant, you are tracking receipts, not insurance.
Collecting without vendor accounts
Vendors should not have to join your software. A magic-link upload is enough: they open the email, drop in the PDF, and leave. COI Tracker extracts limits, dates, and Additional Insured for you to confirm. The link expires. You still own the review.
After the file lands
Compare limits to the property. Watch the expiration. Do not auto-pass endorsement lines from a checkbox. Help you chase what is missing or coming due. Export a pack when the owner or lender wants the current certificates.
Questions
- What is an ACORD 25?
- The standard Certificate of Liability Insurance form. It is evidence a policy existed on a date, not a substitute for the policy or the endorsement.
- How does COI Tracker handle ACORD 25 uploads?
- Vendors upload through a magic link. AI fills in limits, dates, and Additional Insured for you to confirm. Daily status runs against your requirements.
Drop in an ACORD 25. Confirm the lines that matter. Help you chase the rest.
Start with ten vendors. No credit card.
Create a workspace, add a building, and request the first COI today. Vendors never create an account.