acord_25

ACORD 25 Certificate of Liability Insurance

Certificate of Liability Insurance (COI) on the ACORD 25 form: producer, insured, insurers A–F with NAIC, policies with dates and limits, certificate holder and description of operations.

Category: Payments and finance
Country: United States
Extracted fields: 12 fields
Cost: 1 credit

acord_25specimen

Certificate date
Certificate number
Revision number
Producer (agent or broker)
Insured
Insurers affording coverage
Policies
Policy expiry date
Description of operations

What it checks

Holder. Name, number or date of birth match what you expect.
Validity. Not expired on the reference date.

Extracted fields

Certificate datecertificate_date
Certificate numbercertificate_number
Revision numberrevision_number
Producer (agent or broker)producer
Insuredinsured
Insurers affording coverageinsurers
Policiespolicies
Policy expiry datepolicy_expiry_date
Description of operationsdescription_of_operations
Certificate holdercertificate_holder
Authorized representativeauthorized_representative
Signature presentsignature_present

Sample request

curl https://api.constaia.com/v1/analyze \
  -H "Authorization: Bearer $CONSTAIA_API_KEY" \
  -F "file=@document.pdf" \
  -F 'options={
    "expect": "acord_25",
    "checks": {
      "not_expired": true,
      "max_age_days": 90,
      "holder": {
        "full_name": "Carmen Especimen Ruiz"
      }
    },
    "storage": "none"
  }'

Sample response

Fictitious data. Shortened response.

200 OK · application/json

{
  "id": "an_01J9Z3K8QW4T6Y2B7N5M1R0PXC",
  "object": "analysis",
  "status": "completed",
  "livemode": false,
  "document": {
    "type": "acord_25",
    "label": "ACORD 25 Certificate of Liability Insurance",
    "confidence": 0.97
  },
  "verdict": {
    "expected": [
      "acord_25"
    ],
    "match": true,
    "status": "valid",
    "reasons": [
      {
        "code": "type_match",
        "severity": "info",
        "message": "The document is: ACORD 25 Certificate of Liability Insurance."
      }
    ]
  },
  "fields": {
    "certificate_date": {
      "value": "2026-09-01",
      "confidence": 0.99,
      "validated": true
    },
    "certificate_number": {
      "value": "COI-000123",
      "confidence": 0.98,
      "validated": null
    },
    "producer": {
      "value": {
        "name": "SPECIMEN INSURANCE AGENCY",
        "address": "1 AGENCY PLAZA, CHICAGO, IL 60601"
      },
      "confidence": 0.97,
      "validated": null
    },
    "insured": {
      "value": {
        "name": "SPECIMEN CONSTRUCTION LLC",
        "address": "100 MAIN ST, SPRINGFIELD, IL 62701"
      },
      "confidence": 0.96,
      "validated": null
    },
    "insurers": {
      "value": [
        {
          "letter": "A",
          "name": "SPECIMEN CASUALTY COMPANY",
          "naic": "12345"
        },
        {
          "letter": "B",
          "name": "SPECIMEN INDEMNITY CO",
          "naic": "23456"
        }
      ],
      "confidence": 0.99,
      "validated": null
    },
    "policies": {
      "value": [
        {
          "insurer_letter": "A",
          "type": "commercial general liability",
          "policy_number": "GL-1234567",
          "effective_date": "2026-01-01",
          "expiry_date": "2027-01-01",
          "additional_insured": true,
          "subrogation_waived": true,
          "limits": [
            {
              "name": "each occurrence",
              "amount": 1000000
            },
            {
              "name": "general aggregate",
              "amount": 2000000
            }
          ]
        },
        {
          "insurer_letter": "B",
          "type": "workers compensation",
          "policy_number": "WC-7654321",
          "effective_date": "2026-01-01",
          "expiry_date": "2027-01-01",
          "additional_insured": false,
          "subrogation_waived": true,
          "limits": [
            {
              "name": "E.L. each accident",
              "amount": 1000000
            }
          ]
        }
      ],
      "confidence": 0.98,
      "validated": null
    },
    "policy_expiry_date": {
      "value": "2027-01-01",
      "confidence": 0.97,
      "validated": null
    },
    "description_of_operations": {
      "value": "Certificate holder is included as additional insured as required by written contract.",
      "confidence": 0.96,
      "validated": null
    },
    "certificate_holder": {
      "value": {
        "name": "SPECIMEN PROPERTIES INC",
        "address": "200 OAK AVE, SPRINGFIELD, IL 62704"
      },
      "confidence": 0.99,
      "validated": null
    }
  },
  "checks": [],
  "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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