fyllyoBusiness Forms
ACORD 25
Certificate of Liability Insurance
Fyllyo uses local AI to interpret your documents, calculate required answers and fill PDF forms. Review the answers and their sources before saving, without uploading client documents.
A simpler way to prepare a PDF.
Pick a form
Choose a built-in template or set up your own blank fillable PDF once.
Add client documents
Drop in PDFs, scans, photos, Word files or typed notes. The AI reads them on your computer.
Review and save
Check the source lines, confirm key facts and edit the PDF. Uncertain values stay blank and flagged.
Form reference
Before you begin.
Use these notes as a starting point. Check the issuing agency’s current form and instructions for your client’s situation.
Fyllyo helps prepare PDFs. It doesn’t provide legal or tax advice, determine eligibility, or file forms for you.
Have the policy details ready
Collect the named insured and address, each insurer's name and NAIC number, policy numbers and effective dates, limits for each line of coverage, and the certificate holder's name and address. Note any endorsements the holder asked for, such as additional insured or waiver of subrogation.
Details worth checking
Certificate doesn't change the policy
An ACORD 25 only summarizes coverage. Listing a holder as additional insured on the certificate doesn't add them unless the policy has that endorsement.
Expired or mismatched dates
Effective and expiration dates must match the policies in force. Holders often reject certificates that expire before the contract ends.
Limits below the contract's requirement
Compare each limit with what the contract asks for, including per-occurrence and aggregate limits and umbrella coverage.
Wrong certificate holder
The holder's legal name and address should match the contract exactly. A wrong entity means a new certificate.
Missing insurer letters
Each line of coverage must point to the insurer (A to F) that writes it, with that insurer's NAIC number.
Unclear description of operations
Holders often need a specific project, location or contract number in the description box. Vague wording leads to requests for a new certificate.
Set up your own form once.
Fyllyo’s cloud service prepares a reusable template from your blank fillable PDF and setup instructions. No API key is required. Client documents stay on your computer, and subsequent filling runs locally. Check the first few filled forms carefully.
Mac with M1 or later · 16 GB memory recommended · About 8 GB free disk space