It is common practice for entities such as owners, contractors and design professionals to contractually require another party to provide insurance. The most common method of providing information related to this requirement is through a certificate of insurance. A certificate is usually issued on a form copyrighted by an organization named ACORD (Association for Cooperative Operations Research and Development). Other forms can be used, but because the ACORD form is the most commonly used form today, this discussion will focus on the terms of that form of certificate.
