ACORD Forms
ACORD 30: Certificate of Garage Insurance
The ACORD 30 is the Certificate of Garage Insurance, the proof-of-coverage certificate for automotive businesses. Dealers, repair shops, body shops, and service stations use the 30 the way every other business uses the ACORD 25, because a garage policy carries coverages the 25 has no place to show.
What it is
The ACORD 30 is the Certificate of Garage Insurance, the proof-of-coverage certificate for automotive businesses. Dealers, repair shops, body shops, and service stations use the 30 the way every other business uses the ACORD 25, because a garage policy carries coverages the 25 has no place to show.
Like every ACORD certificate, it is issued for information only. It confers no rights on the certificate holder and does not amend the policy. Additional insured status lives in the policy or an endorsement, never in the certificate. New York's Department of Financial Services includes the ACORD 30 on its public list of approved certificate forms, which says something about how standard it is.
When it's used
- Landlords, lenders, and contract partners who need proof of an automotive risk's coverage.
- Any time an ACORD 25 would leave out what the holder actually asked about: garage liability and garagekeepers coverage.
- Renewal reissues to the certificate holders already on the account.
Section-by-section walkthrough
Producer information
The issuing agency's name and contact details. Questions about the certificate come here first.
Insured information
The named insured exactly as the garage policy reads.
Watch for: A storefront or DBA name where the policy's named insured belongs.
Insurers affording coverage
The carrier or carriers behind each line of coverage shown.
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.
Watch for: Limits typed from memory. A certificate mirrors the policy; it does not negotiate with it.
Garagekeepers detail
The garagekeepers entries: coverage for customers' autos in the insured's care, custody, and control, with the limits and deductibles that apply.
Watch for: Assuming garage liability covers customer vehicles. It does not. That is what garagekeepers is for, and holders who leave cars with the insured will look for it.
Description of operations
What the holder needs described about the operations or the contract, consistent with what the policy actually provides.
Watch for: Additional insured or waiver wording promised in the description box with no endorsement behind it. That is how agencies end up explaining a certificate in a deposition.
Certificate holder
The name and address of the party the certificate is issued to.
Cancellation and authorized representative
The standard notice-of-cancellation language and the signature of the producer's authorized representative.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 30 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- Issuing an ACORD 25 for a garage risk, so garagekeepers coverage never appears and the holder rejects the certificate.
- Certificate limits that disagree with the policy.
- Additional insured wording in the description with no endorsement on the policy.
- Holder lists never cleaned up, so renewal certificates go to businesses the insured stopped working with years ago.
- Treating the certificate as coverage. It is information only, per its own terms.
Common questions
What is the difference between the ACORD 25 and the ACORD 30?
The 25 is the general certificate of liability insurance. The 30 is built for garage policies: it has a home for garage liability and garagekeepers coverage, which the 25 does not. Automotive risks generally need the 30.
Does an ACORD 30 make the certificate holder an additional insured?
No. The certificate says so itself: it is issued as a matter of information only and confers no rights on the holder. Additional insured status requires policy provisions or an endorsement.
Can Relay generate certificates like the ACORD 30?
ACORD Generation is live in Relay. It drafts ACORD forms from the client record and the documents on file, and a person reviews every form before it goes out.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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