us_acord_25

Certificate of liability insurance (ACORD 25)

Insured, insurers, limits, policy dates and additional insured on an ACORD 25.

Category: Certificates
Country: United States
Extracted fields: 15 fields
Cost: 1 credit

us_acord_25specimen

Issue date
Producer (agent or broker)
Insured
Insurers affording coverage
Policy number
General liability, each occurrence
General aggregate
Auto liability, combined single limit
Umbrella liability, each occurrence

Property managers, general contractors and venues collect certificates of insurance (COIs) from every vendor. Constaia reads the ACORD 25, extracts the insured, coverages, limits and policy dates, checks that the policies cover your reference date and whether the additional insured box is marked.

A certificate of insurance is informational only: it does not amend or extend the policy. When your contract requires an endorsement, ask for the endorsement itself.
ACORD is a trademark of ACORD Corporation. Constaia is not affiliated with ACORD.

What it checks

No type-specific deterministic validators: your checks apply (required fields, dates, holder).

Extracted fields

Issue dateissue_date
Producer (agent or broker)producer
Insuredinsured
Insurers affording coverageinsurers
Policy numberpolicy_number
General liability, each occurrencegeneral_liability_each_occurrence
General aggregategeneral_aggregate
Auto liability, combined single limitauto_liability_combined_single_limit
Umbrella liability, each occurrenceumbrella_each_occurrence
Workers' compensation and employers' liabilityworkers_comp_employers_liability
Policy effective datepolicy_effective_date
Policy expiration datepolicy_expiration_date
Additional insuredadditional_insured
Certificate holdercertificate_holder
Signature presentsignature_present

Sample request

curl https://api.constaia.com/v1/analyze \
  -H "Authorization: Bearer $CONSTAIA_API_KEY" \
  -F "file=@us_acord_25_specimen.pdf" \
  -F 'options={
    "expect": "us_acord_25",
    "checks": {
      "not_expired": true,
      "reference_date": "2026-11-01",
      "require_signature": true,
      "holder": {
        "full_name": "Acme Example Facilities LLC"
      },
      "require_fields": [
        "general_liability_each_occurrence",
        "additional_insured"
      ]
    },
    "storage": "none"
  }'

Try it for free with a ck_test_ key and the file us_acord_25_specimen.pdf.

Sample response

Fictitious data. Shortened response.

200 OK · application/json

{
  "id": "an_01J9Z3K8QW4T6Y2B7N5M1R0PXC",
  "object": "analysis",
  "status": "completed",
  "livemode": false,
  "document": {
    "type": "us_acord_25",
    "label": "Certificate of liability insurance (ACORD 25)",
    "confidence": 0.97
  },
  "verdict": {
    "expected": [
      "us_acord_25"
    ],
    "match": true,
    "status": "valid",
    "reasons": [
      {
        "code": "type_match",
        "severity": "info",
        "message": "The document is: Certificate of liability insurance (ACORD 25)."
      }
    ]
  },
  "fields": {
    "issue_date": {
      "value": "2026-09-22",
      "confidence": 0.99,
      "validated": true
    },
    "producer": {
      "value": "EXAMPLE INSURANCE BROKERS",
      "confidence": 0.98,
      "validated": null
    },
    "insured": {
      "value": "ACME EXAMPLE FACILITIES LLC",
      "confidence": 0.97,
      "validated": null
    },
    "policy_number": {
      "value": "GL-000-EXAMPLE",
      "confidence": 0.96,
      "validated": null
    },
    "general_liability_each_occurrence": {
      "value": 1000000,
      "confidence": 0.99,
      "validated": null
    },
    "general_aggregate": {
      "value": 2000000,
      "confidence": 0.98,
      "validated": null
    },
    "policy_effective_date": {
      "value": "2026-04-01",
      "confidence": 0.97,
      "validated": null
    },
    "policy_expiration_date": {
      "value": "2027-04-01",
      "confidence": 0.96,
      "validated": null
    },
    "additional_insured": {
      "value": true,
      "confidence": 0.99,
      "validated": null
    },
    "certificate_holder": {
      "value": "SAMPLE PROPERTY MANAGEMENT CO",
      "confidence": 0.98,
      "validated": null
    },
    "signature_present": {
      "value": true,
      "confidence": 0.97,
      "validated": null
    }
  },
  "checks": [
    {
      "code": "not_expired",
      "passed": true,
      "message": "Valid on the reference date."
    },
    {
      "code": "holder_match",
      "passed": true,
      "message": "The holder matches."
    },
    {
      "code": "signature_present",
      "passed": true,
      "message": "It is signed."
    }
  ],
  "warnings": [],
  "storage": {
    "mode": "none",
    "file_deleted_at": "2026-09-29T10:00:02Z",
    "expires_at": null
  },
  "usage": {
    "credits": 1,
    "pages": 1
  }
}

FAQ

Does Constaia prove the document is authentic?

No. It checks the type, data consistency and your rules, and flags signals such as a possible edit or a screen photo. That does not prove authenticity.

Is a copy of the document kept?

No, unless you ask for it. With storage "none" (the default) the file is deleted when the analysis ends.

And for the record…

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