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In the video tutorial, the presenter explains how to read a Certificate of Liability Insurance (COI), specifically the 25 form. This document is issued by a producer, agency, or insurance company to summarize the liability coverage for a policyholder. Many people find the form confusing, regardless of their role as a policyholder, certificate holder, or additional insured. The video aims to guide viewers through the COI, highlighting key areas and information contained in the document. The first step is to identify the "Certificate of Liability" title at the top of the form, which signifies that it provides details on various liability coverages.