Coverage Verification

Last updated August 13, 2026 · Tri State Enterprise · 1305 Argillite Rd, Flatwoods, KY 41139

Customers, property managers, and commercial partners may request current evidence of applicable insurance or surety coverage. Because policies and limits can change, rely on a current certificate, declarations page, or bond document for any coverage decision.

1. At-a-glance verification

Verification notice: carrier names, policy periods, limits, and bond amounts are not published here. Request current documentation before relying on a specific coverage representation.

Category	Documents to request
Commercial general liability	Carrier, limits, declarations, COI
Workers compensation	Policy status or exemption analysis
Commercial or non-owned auto	Vehicle and driver coverage proof
Surety coverage	Surety terms, exclusions, claim process

For a lease, bid, HOA requirement, or commercial contract, ask for documentation prepared for that specific request and certificate holder.

2. Commercial general liability

General liability coverage is the usual proof requested for accidental property damage or third-party injury claims. The current certificate identifies the carrier, policy period, limits, and certificate holder; the policy controls coverage and exclusions.

3. Workers compensation

Worker injury coverage depends on worker classification, headcount, current policy status, and applicable Kentucky, West Virginia or Ohio requirements. Current policy or exemption documentation is available for review when required for a customer engagement.

4. Commercial and non-owned auto

Commercial and non-owned auto requirements vary with the vehicle, driver, and contract. We confirm applicable documentation and any required endorsements for each commercial request.

5. Surety coverage

Surety coverage may apply to covered theft during service, subject to the current bond terms. The bond document identifies the amount, surety, exclusions, and claim process.

6. Certificate of insurance

Commercial customers, property managers, HOAs, and short-term rental platforms often request a certificate of insurance. Contact (606) 836-2534 (calls only) with the requesting entity's legal name, mailing address, and any required endorsements. We will coordinate the request and return the completed certificate to the requesting party.

7. If you need to file a claim

Start with our Warranty and Damage Protocol. Photos, invoices, police reports, scope notes, and crew/job records may be required before a carrier, surety, or claim review can evaluate the claim.