ACORD 30: Certificate of Garage Insurance
ACORD 30 is the Certificate of Garage Insurance. Its layout accommodates insurance information relevant to garage operations, including garagekeepers detail where applicable.
What it is
ACORD 30 is the Certificate of Garage Insurance. Its layout accommodates insurance information relevant to garage operations, including garagekeepers detail where applicable.
Start with the request and the actual garage policies. A business name or trade description alone does not tell you which coverage it has. Confirm the certificate format the requester accepts and the policy terms each row reports.
When it's used
- A garage business receives a request specifying ACORD 30.
- A third party needs the garage-related coverage details shown in this format.
- A prior garage certificate needs review against current policies.
Section-by-section walkthrough
Producer information
The issuing agency's name and contact details. Questions about the certificate come here first.
Review check: Provide current service details.
Insured information
The named insured exactly as the garage policy reads.
Review check: Match the policy's named insured.
Insurers affording coverage
The carrier or carriers behind each line of coverage shown.
Review check: Identify the insurer for every listed coverage.
Coverages
Policy numbers, effective and expiration dates, and limits for the coverages a garage risk carries: garage liability, garagekeepers, umbrella, and workers compensation and employers liability as applicable.
Review check: Read limits and dates from current policies.
Garagekeepers detail
The garagekeepers entries: coverage for customers' autos in the insured's care, custody, and control, with the limits and deductibles that apply.
Review check: Check the specific garagekeepers coverage and deductible.
Description of operations
What the holder needs described about the operations or the contract, consistent with what the policy actually provides.
Review check: Support description wording with policy provisions.
Certificate holder
The name and address of the party the certificate is issued to.
Review check: Use the requested holder entity.
Cancellation and authorized representative
The standard notice-of-cancellation language and the signature of the producer's authorized representative.
Review check: Confirm standard wording and issuance authority.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 30; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →
Common errors
- Treating garage liability and garagekeepers as the same coverage.
- Reporting an outdated garagekeepers limit or deductible.
- Assuming a certificate creates additional insured status.
Common questions
Is ACORD 30 required for every automotive business?
No universal rule follows from the business type. Use the form the request and applicable process require, and ensure it accurately represents the policies in place.
What deserves extra attention on a garage certificate?
Distinguish the coverages, limits, deductibles, and any relevant basis shown by the garagekeepers policy. Do not infer coverage for customer vehicles from the presence of a garage liability policy.
Related forms
Form references
- ACORD Forms Portal: current forms and authorized access
- ACORD-authored Forms Index, May 2024 (historical form names)
- New York DFS: certificates do not alter policy terms
Confirm the form edition and requirements with the market receiving the submission.
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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