✓ Verified ACORD 25 (2016/03 & 2026) Certificate Standards · ISO CG 20 10 / 20 37 Endorsements 🏛️ AM Best Financial Size Category (A- VII+) · SOC 2 / HIPAA VRM

Certificate of Insurance Requirements & ACORD 25 COI Compliance Checker

Built for Both Procurement Risk Managers & B2B Vendors: Whether you are a procurement/compliance manager verifying a contractor's ACORD 25 Certificate of Insurance or a SaaS/consulting vendor checking your own COI before submitting to an enterprise buyer, select your target MSA contract tier below, load a preset or paste your ACORD 25 declarations, and instantly audit every coverage limit and endorsement gap.

🔍 DETERMINISTIC ACORD 25 COI GAP AUDITOR

Audit an ACORD 25 Certificate Against Contract Requirements

1. Target Contract / MSA Requirement Tier:

2. Vendor ACORD 25 Tech E&O Limit ($):

3. Vendor Cyber Liability Aggregate Limit ($):

4. Social Engineering / Wire Fraud Sublimit ($):

5. Insurer NAIC / A.M. Best Financial Rating:

6. Policy Expiration & Retroactive Date:

7. ACORD 25 Description of Operations & Endorsement Boxes (ADDL INSD / SUBR WVD):

Client Named as Additional Insured (ADDL INSD = Y) Primary & Non-Contributory Wording Endorsed Waiver of Subrogation (SUBR WVD = Y) Explicit "Technology E&O" Wording (Not Generic Consultant E&O)

Optional: Paste ACORD 25 Certificate Text / Description of Operations to Auto-Scan Keywords:

⚡ Vendor Action — Fix This Gap & Generate a Compliant ACORD 25 COI Today

Are you the Vendor / Contractor? Do not lose or delay your enterprise contract over a rejected ACORD 25. The carriers below bind instant limit upgrades ($1M/$2M to $5M/$5M), Tech E&O + Cyber packages, and Blanket Additional Insured + Waiver of Subrogation endorsements with same-day live COI PDFs:

Best for $2M–$5M Tech E&O + Cyber Gaps Embroker Tech E&O + Cyber Fixes Tech E&O, $250k Social Eng. & SOC 2 MSA gaps in 15 mins

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Best for Startup / AI Blanket Add'l Insured Vouch Business Shield Unlimited Blanket Additional Insured + Waiver of Subrogation COIs

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Best for IT Consultants & Agencies ($45/mo) Hiscox Professional E&O Instant ACORD 25 COI PDF email delivery upon online bind

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Best for Fast SMB / Contractor COIs ($40/mo) Next Insurance Pro E&O Unlimited free live ACORD 25 certificates & Additional Insured

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📋 Are You the Procurement / Risk Manager? Send This Remediation Notice to Your Vendor:
One click copies the exact ACORD 25 gap list + pre-vetted instant carrier quote links so your contractor can cure their deficiency today.

Standard ACORD 25 Certificate of Insurance Requirements Checklist (2026)

ACORD 25 Field / Section	SMB Contract Requirement	Mid-Market SOC 2 MSA Requirement	Enterprise / HIPAA / Bank MSA Requirement
Insurer A.M. Best Rating	A- VI or better	A- VII or better	A- VIII to A++ XV Admitted / Approved E&S
Commercial General Liability (CGL)	$1M Occurrence / $2M Aggregate	$1M Occurrence / $2M Aggregate	$1M/$2M + $5M Umbrella/Excess
Technology E&O / Professional Liability	$1M Occurrence / $1M–$2M Aggregate	$2M Occurrence / $2M Aggregate	$5M Occurrence / $5M Aggregate
First- & Third-Party Cyber Liability	$1M Aggregate	$2M Aggregate (incl. Ransomware)	$5M Aggregate (incl. Regulatory Fines)
Social Engineering / Funds Transfer Sublimit	$50,000–$100,000	$250,000 Minimum Sublimit	$500,000–$1,000,000 Sublimit
ADDL INSD & SUBR WVD Columns	Additional Insured on CGL	Blanket Additional Insured + Waiver of Subrogation	Additional Insured + Primary & Non-Contributory + 30-Day Cancellation Notice

Related E&O & Cyber Insurance Subdivision Pages

Cyber Insurance Cost Calculator & Professional Liability Cost by Industry — Estimate the exact cost of upgrading your COI limits from $1M to $2M or $5M.
Tech E&O & Cyber Insurance Policy Requirements by Industry — Review mandatory endorsements for SaaS, AI, FinTech, Healthcare HIPAA BAs, and IT Consultants.
State-by-State E&O Minimum Liability Limits Matrix — Lookup state statutory vs. contractual limits across all 50 states + DC.