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Issue ACORD 28 Commercial Property Evidence

Updated October 2026•3 min read•For: Producers & Assistants
verifiedQuick Summary
When a commercial lender, mortgagee, or landlord requires proof of first-party property coverage, select the ACORD 28 form type on the Certificate Holder profile. Insure Assist AI maps your client’s Building, Business Personal Property (BPP), Business Income, and Deductible schedules onto the official ACORD 28 layout.
In this article

1. When to Use ACORD 28 vs. ACORD 25

FormCoverage ProvenTypical Recipient
ACORD 25Third-Party Liability (CGL, Auto, Umbrella, Workers' Comp)General Contractors, Project Owners, Municipalities
ACORD 28First-Party Commercial Property (Building, BPP, Business Income, Builders Risk)Commercial Mortgage Lenders, Equipment Lessors, Commercial Landlords

2. Configure an ACORD 28 Holder & Lender Interest

  1. In the client’s ACORD Settings tab, switch to ACORD 28 (Property) to verify that your active Commercial Property policy has its Managed Line toggle enabled under Underlying Commercial Property Schedule.
  2. Open the Certificate Holders tab and click + Add Certificate Holder (or click the Edit pencil icon on an existing holder such as Camelback Corporate Center Investors, LLC).
  3. Under Certificate Purpose & Form, select Property (ACORD 28).
  4. In the Lender & Property Evidence Details section, choose the Interest Type (Lender's Loss Payable, Loss Payee, Mortgagee, Contract of Sale, or Additional Insured), enter the Loan / Reference # and Premises / Building Location (Optional), and review any Special Conditions & Equipment Details (Page 2 Remarks).
  5. Click Save Changes.
ACORD 28 Property Schedule & Lender Evidence Configuration Drawer: The ACORD 28 Settings & Standards card alongside the Edit Certificate Holder drawer configured for Property (ACORD 28) with Lender's Loss Payable / Mortgagee interest, Loan / Reference #, and Page 2 Remarks.
Figure 1: ACORD 28 Property Schedule & Lender Evidence Configuration Drawer

3. Preview & Issue the Signed ACORD 28 PDF

On the holder row in the Certificate Holders tab, click the Eye icon (View Master Certificate) to preview the populated ACORD 28 property schedule, deductible, and Page 2 lender remarks, then click Download Master Certificate or Email Master Certificate.

Frequently Asked Questions

Yes. Commercial landlords (such as Camelback Corporate Center Investors, LLC) often require both third-party liability proof (ACORD 25) and first-party property/tenant improvements proof (ACORD 28). Each form is tracked with isolated remarks so property lender clauses never bleed onto liability certificates.

Related Guides in Issuing Certificates & Managing Holders

Issue ACORD 25 Liability Certificates & Descriptionsarrow_forwardManage Job-Specific Project Certificates & Quote Requestsarrow_forwardAdd, Bulk Import & Merge Certificate Holdersarrow_forward

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