Last reviewed: June 18, 2026 by Policyhold Compliance Team

Named insured does not match contracting vendor legal entity

The insured name on the ACORD 25 must match the subcontractor legal entity on your contract.

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What this issue means

The named insured on the certificate is a different legal entity than the subcontractor you contracted with.

Why it matters for mobilization

Coverage may not extend to the party performing work on your project, leaving your organization exposed if a claim arises.

How to resolve it

Ask the subcontractor broker to reissue the ACORD 25 with the insured name matching the contract signature block and W-9 legal name.

When approval should be blocked

Block mobilization until the named insured matches the contracting vendor entity.

Recommended next step

Request a corrected certificate with the vendor legal entity exactly as shown on the contract.

Related issues

FAQ

Does a DBA on the COI matter?
The legal entity on the contract must be the named insured. DBAs may appear in the description of operations but cannot substitute for a mismatched legal entity.

COI tracking for general contractors · Insurance requirements generator