Certificate of Insurance - The Basics
A certificate of insurance is a document that provides verification to third parties that an individual or entity has insurance coverage.
A certificate of insurance is a document that provides verification to third parties that an individual or entity has insurance coverage.
I rarely (virtually never) give a rating of ten out of ten, but this is one case where an exception proves the rule. Tonry Insurance has consistently demonstrated the type of commitment to service that has become all-too-rare in today's business climate. They have maintained the time-honored practice of doing what they say they will do, when they say they will do it. Everyone I have ever interacted with, whether live or electronically, has conducted themselves with courtesy and professionalism.
Prime Steel has been in business for almost 50 years. A significant number of those years we have been a client of Tonry's. I believe that everyone at Tonry has Prime's best interest in mind at all times. Even if it means telling us we don't need to carry certain limits that it is just a waste of money. Over the years the knowledge from Tonry Insurance Group has saved Prime Steel a lot of money and certainly puts Prime's key Personnel at ease in many circumstances. Audit questions/ prep / incidents/ claims etc. The attention we get from Tonry Ins Grp even when it is last minute is very much appreciated.
Been thru thick and thin are we are both still here!! Great people. You can get insurance anywhere but its the people that make it happen. Thanks Again, John McNulty”
We have known Lou for many years. His company always treated me and my family with respect. Tonry Insurance consistently tries to find savings on all my insurance needs. Now that my sons are married and homeowners, they also are insured with Tonry. We wouldn't think of going elsewhere.
Customer since prior to 2000
“I believe that I've been with you for over forty, but more likely 50 years and have not had any problems with the coverage you recommended. It always seems that you have represented me and not the insurance company.”
“I've been with Tonry for many many years & their customer service cannot be beaten! I appreciate all the representatives that I have dealt with Thank you! Linda G”
“Kris Bibbo has worked with us for years, along with Con Duggan. Knowledgeable, professional, reliable, and most importantly of all, welcoming and great to work with!”
“I have been with Tonry and appreciate all the hard work that Kris continues to do, she is very on top of everything and provides the right feedback and assistance that’s asked when it’s called upon.”
“Our agent, Cecilia, does a great job of giving us the best options to choose between. There is never any pressure. She alerts us to any possible discounts that we can use to keep our premiums down. She saves us loads of time by doing all of the legwork. She has been both professional and friendly to deal with. She knows the products inside and out.”
- Customer since 2002
Amy Nelson and Kris Bibbo have been great to me over the years. They always send kind emails and make sure all policies are in place with the right coverage for all my needs. Even if I disagree with an audit resulting in additional fees they make me feel comfortable that they will look into it and help understand the situation rather than dismissing me and not caring. That's very important and why all my insurance policies are with you.”
“Everyone has been so helpful with my questions or problems. I appreciate the personal attention I receive whenever I call the office. Thank you for your outstanding service..”
“One simple reason...your staff. Kris has been helping me close to 20 years. I have ZERO difficulties with any insurance I have because she takes care of EVERYTHING. She is prompt, courteous, efficient, knowledgeable and is so very pleasant and happy. Con has been helping me almost 20 years, too. He deals with my professional insurance. He notifies me if there is a problem. He gives me a solution. He saves me money when different policies are available. He takes care of any problems in a very timely fashion. Your staff is great. Keep them.”
“Cheryl DiGravio is the most responsive, diligent, trusting person I have ever partnered with - hands down!!!!”
“Donna my representative has been awesome over the years guiding me through all ins and outs keeping up to date on everything.”
“Keeping us informed and up to date is important. Having a seasoned professional staff we communicate with on a first name basis and getting spontaneous response helps to confirm our confidence.”
- Customer since 2002
“Kris is always there for us. She goes above and beyond to help and to shop around to make sure we have the best coverage.”
- Customer since 2012
“Amy Nelson is always very helpful with my General Liability insurance needs or any other insurance questions.”
“Cheryl has provided great service since I switched my policies to your agency. I am 100 percent satisfied!”
“You care about your customers. You research to let your customers know that there are other insurance companies other than the one the customer is using. My agent saved me over a thousand dollars last year. This is a great insurance company.”
- Customer since 2018
“Extremely responsive. Replying to email questions within hours, not days. Always willing to get on a call. Insurance issues are explained simply and clearly. Will definitely stick with Tonry insurance for my homeowners insurance needs.”
Kris Bibbo, our rep from Tonry in Lexington is an amazing source of information and connections. She made the purchase and registration of an out-of-state vehicle a very easy process. The way she managed things made us 100% sure that switching over to this office was the right thing to do. I'd recommend her to anybody and everybody.
Customer since 2020
I have been working with Kelsey Tonry and the team at Tonry Insurance for over 15 years, and I couldn't be happier with the level of service they consistently provide. Kelsey is knowledgeable, responsive, and always goes above and beyond to ensure our insurance needs are handled quickly and professionally. Whether it's answering questions, providing certificates, reviewing coverage, or helping us through changes, she is always reliable and attentive. It's rare to find someone who combines expertise with such outstanding customer service. I highly recommend Kelsey Tonry and the entire Tonry Insurance team to anyone looking for a trustworthy insurance agency that truly values its clients. Thank you for over 15 years of exceptional service!
Marie A., Customer since 2010
Insureds commonly associate audits with workers’ compensation insurance, but general liability policies may also be subject to audit. While this is disclosed when the policy is issued, some business owners may not realize that audits can apply to their general liability coverage. The focus is different from workers’ compensation, but the purpose is similar: to ensure the information used to calculate premiums reflects how a business operated during a policy term.
For contractors, workers’ compensation audits are a routine part of doing business—but they can still lead to unexpected premium changes if you’re not prepared. Because contracting operations often involve fluctuating payrolls, subcontractors, and multiple job types, audits tend to focus heavily on documentation, payroll details, and job classifications. Find out how we can help you avoid surprises.
Have you ever compared your home insurance premium to a neighbor’s and wondered why the numbers don’t match? Or maybe you’ve gathered multiple quotes and noticed a big difference in price from one company to another. You’re not imagining things—home insurance isn’t one-size-fits-all. Understanding six primary factors that go into your premium can help you make better decisions, compare policies more effectively, and know where you may have opportunities to save.
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