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The video tutorial explains how to understand a Certificate of Liability Insurance (form 25), which can confuse policyholders, certificate holders, and additional insured parties. The certificate is issued by a producer, agency, or insurance company on behalf of the policyholder and summarizes their liability insurance coverage. The host walks viewers through the document, emphasizing that the top will indicate it is a "Certificate of Liability." The tutorial aims to clarify what to look for and where to find essential information on the form, helping viewers comprehend the various aspects of liability coverage outlined in the certificate.