ACORD 24 vs ACORD 25: Property vs Liability Certificates
ACORD 24 reports property insurance; ACORD 25 reports liability insurance. Receiving one is not the same as receiving the other. When a vendor uploads a certificate, compare the coverage being requested with the document’s actual purpose before checking dates and limits.
The Texas Department of Insurance’s approved certificate list identifies ACORD 24 as Certificate of Property Insurance and ACORD 25 as Certificate of Liability Insurance. That list is a Texas regulatory resource, not a universal instruction about what every transaction must use.
Two different review questions
Property evidence concerns insurance on identified property interests. A reviewer might need to understand which premises, equipment or contents are described and which reported limit or deductible relates to that interest.
Liability evidence concerns the listed liability policies. On an ACORD 25, the reviewer looks at the relevant coverage rows, policy dates, limits and certificate indicators, then requests supporting documents for policy terms that matter to the contract.
| Intake question | Property certificate | Liability certificate |
|---|---|---|
| Main subject | Identified property interests | Listed liability insurance |
| Identity check | Insured, property and location | Insured business and policy rows |
| Follow-up | Relevant property terms and interests | Relevant provisions and endorsements |
| What it cannot do | Create property-policy rights | Create liability-policy rights |
Match the document to the requirement
Keep the requester’s insurance checklist beside the upload. If the contract requires general liability and workers compensation, an equipment property certificate leaves those review items unanswered. Conversely, a liability certificate does not demonstrate that leased equipment has the required property coverage.
The NY OGS insurance guidance reproduces the certificate limitation that policy terms control. Treat either document as a starting point for evidence review, not an amendment to the policy.
A hypothetical equipment rental
Crest Excavation supplies a property certificate for rented machinery. The project manager also needs evidence of Crest’s liability and workers-comp arrangements. The manager requests the appropriate liability certificate and supporting information rather than rejecting the property document as useless. It can be relevant to one requirement while leaving another open.
Record what each file answers. A checklist with separate rows for property, GL, auto and workers comp is more useful than one “COI received” tick.
Ask for a precise correction
Use the COI request email template to identify the missing coverage evidence and required date. For field-by-field liability review, use the annotated ACORD 25 sample. For property evidence, see ACORD 27 vs ACORD 28.
Certy helps organize certificate intake and renewal follow-up. It does not turn a property certificate into a liability policy or determine coverage from a document title.
Frequently asked questions
What is the main difference between ACORD24 and25?
ACORD24 is a Certificate of Property Insurance; ACORD25 is a Certificate of Liability Insurance. The different titles reflect different insurance information.
Can a property certificate satisfy a subcontractor liability requirement?
Not by itself. Request evidence of the actual coverage required and review any supporting policy documents or endorsements.