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Insurance Acord 35

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INSURANCE ACORD 35

Producer / Agent

Insured / Applicant Information

Insured Name:

Contact Person:

Phone / Email:

Date of Birth (if individual):

Policy Information

Policy Type:

Policy Number:

Policy Period: From / / to / /

Coverage Limit:

Deductible:

Coverages (select applicable)






Exclusions and Special Conditions

The following exclusions apply unless otherwise endorsed. Check those that apply and provide specifics where required.




Additional Interests / Mortgagee / Loss Payee

Add additional interests to be notified of cancellation or change in coverage.

Claims / Loss Information (if applicable)

/ /

Documentation Checklist

Please indicate which items are attached or will be provided.




Declaration and Certification

By signing below, the applicant certifies that all information provided in this ACORD 35 form is true, accurate and complete to the best of the applicant's knowledge. The applicant acknowledges that any material misrepresentation, concealment or omission of fact may give the insurer grounds to void the policy or deny coverage for a claim. The applicant authorizes the insurer and its representatives to obtain, verify and exchange information relevant to underwriting or claims handling, including inspection of the insured premises and review of third-party records when necessary.

The insurer's obligations are governed by the policy language, endorsements and applicable law. Coverage is subject to payment of premiums and strict compliance with policy terms including notice requirements and cooperation in the investigation and settlement of claims. This form does not alter the terms of any policy except as expressly stated in an endorsement issued by the insurer.

Applicant Signature

Printed Name:

Signature:

Date:

By signing, the applicant attests to the accuracy of the foregoing statements and authorizes the insurer to rely on this certification for underwriting and claims purposes.

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What the Insurance Acord 35 Is and when it’s used

The Insurance Acord 35 is a standardized certificate form used to summarize property insurance coverage and related endorsements for a named insured. It presents insurer, policy, coverage type, limits, effective and expiration dates, and policy numbers in a compact, third‑party readable layout used by lenders, lessors, brokers, and risk managers. The form does not replace the underlying policy language; it is a summary certificate relied upon for verification of coverage, notice, or proof of insurance during transactions and project onboarding.

Why the Insurance Acord 35 matters to transactions

A clear Acord 35 helps counterparties verify coverage quickly, reduces underwriting follow‑up, and documents limits and effective dates in a standardized way for contractual compliance and loss control.

Why the Insurance Acord 35 matters to transactions

Typical users and stakeholders for the Acord 35

Use the Acord 35 when a brief, uniform summary of property coverage is required by a third party or contract provision.

  • Insurance brokers and agents confirm policy details and issue certificates for insureds and certificate holders.
  • Risk managers and property owners verify limits, endorsements, and expiration dates for contract compliance.
  • Lenders and mortgagees review certificate entries to ensure collateral protection and endorsements naming them as loss payees.

Core components to include on a professional Acord 35

A professional Acord 35 presents clear policy identifiers, insured and certificate holder names, coverage types, limits, policy periods, and any endorsements or special conditions that affect coverage.

Insurer and Agent

Enter full carrier and agent names plus contact details so the certificate recipient can reach the issuing party for verification or clarification.

Named Insured

List the legal name of the insured exactly as it appears on the policy; inconsistencies can trigger coverage disputes or rejection by certificate holders.

Certificate Holder

Record the entity requesting proof of insurance, including mailing address and any specific attention line for contract or loan administration purposes.

Policy Numbers

Provide complete policy numbers for each coverage line to enable quick lookups and cross‑references with carrier systems and claim files.

Coverage Types

Identify property and related coverage lines (e.g., Commercial Property, Builders Risk) and note whether endorsements or exclusions materially change coverage scope.

Limits and Periods

Show per‑occurrence and aggregate limits, coinsurance language if applicable, and exact effective/expiration dates so contractual periods align with coverage.

Required data points commonly found on Acord 35

Carrier: Full name
Agent: Contact details
Insured: Legal entity
Policy Number: Exact identifier
Coverage Period: MM/DD/YYYY range
Limits: Monetary amounts

Step-by-step: Completing an Acord 35

Follow a consistent sequence to prevent errors: gather policy documents, confirm named insured, populate policy data, check endorsements, route for signature, and distribute certified copies.

  • 01
    Gather documents: Collect declarations and endorsements before completing the certificate.
  • 02
    Confirm names: Verify legal names for insured and certificate holder to avoid mismatches.
  • 03
    Enter policy data: Populate policy numbers, limits, and effective/expiration dates accurately.
  • 04
    Review endorsements: Note additional insureds, waiver of subrogation, and special conditions.

How issuance and routing typically work

Issuance follows a short workflow: broker prepares the certificate, insurer or agent reviews, authorized signer approves, and the completed certificate is sent to the certificate holder and insured.

  • Preparation: Broker drafts certificate from policy data and client instructions.
  • Internal review: Carrier or agent confirms policy alignment and endorsements.
  • Authorization: Designated signer or delegated authority signs the certificate.
  • Distribution: Send to certificate holder, insured, and retain a copy.

Digital signing and eSubmission considerations

Electronic completion and signature are widely accepted, provided the method meets ESIGN/UETA tests of intent, attribution, and record retention.

  • Authentication: Use email, SMS, or stronger methods to attribute signatures.
  • Audit trail: Capture timestamps, IP addresses, and signer actions.
  • Record retention: Store tamper‑evident copies with reproduction capability.

Ensure your chosen eSignature provider supports required authentication, audit trails, and export formats for downstream verification and audits.

Select eSignature vendors and relative pricing for certificate workflows

Compare basic pricing, trial availability, bulk send, audit trail capability, HIPAA support, and envelope limits when evaluating vendors for certificate issuance.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes (Business Premium) Yes (plan dependent) Yes (plan dependent) Yes (plan dependent) Yes (limited)
Audit Trail Yes Yes Yes Yes Yes
Envelope Cap No envelope cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

Practical tips for accurate, efficient Acord 35 completion

Adopt consistent templates and verification steps to reduce rejection, accelerate approvals, and ensure contractual alignment.

Standardize a template
Use a validated template with locked fields for policy numbers, dates, and numeric limits to prevent transcription errors and speed issuance across accounts.
Verify named insured
Confirm the legal insured name with the policy declarations before issuing the certificate; mismatches are a common cause of rejection and coverage disputes.
Record endorsements
List any endorsements, additional insureds, or waiver of subrogation explicitly on the certificate or as attached exhibits to avoid ambiguous coverage representations.
Preserve audit trails
Maintain tamper‑evident signed PDFs and an audit trail showing signer identity, timestamps, and distribution to support later verification and claims handling.

Frequently asked questions about completing and eSigning an Acord 35

Answers to common questions about signature validity, signer authority, RON acceptance, and document corrections for the Acord 35.


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