Glossary

Certificate Holder

The party that receives a Certificate of Insurance from the insured.

The Certificate Holder is the party listed in the lower-left box of an ACORD 25 Certificate of Insurance. This is the party that the certificate is being issued to, typically a general contractor, property owner, or lender requesting proof of the insured's coverage. Important: being a Certificate Holder confers no coverage whatsoever. It is purely a mailing address. To actually be covered by the insured's policy, a party must be named as an Additional Insured via a separate endorsement.

Related terms

Additional Insured

A party named on another entity’s insurance policy via endorsement, extending coverage to them.

Named Insured

The entity that owns the insurance policy and is the primary party covered.

ACORD 25

The standard industry form used to issue a Certificate of Insurance.

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