Sharp Insurance & Financial Services
Sharp Insurance & Financial Services
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    • Home
    • Lines of Insurance
      • Personal Insurance
      • Commercial Insurance
      • Life Insurance
      • Health Insurance
    • Blog
    • Business by Industry
    • Business Industries
      • Trucking
      • Restaurant Insurance
      • Bakery & Café
      • Catering
      • Food Truck
      • Bar & Brewery
      • Contractor Insurance
      • Remodeling Contractor
      • Electrical Contractor
      • Plumbing Contractor
      • HVAC Contractor
      • Roofing Contractor
      • Cleaning & Janitorial
      • Landscaping & Lawn Care
  • Home
  • Lines of Insurance
    • Personal Insurance
    • Commercial Insurance
    • Life Insurance
    • Health Insurance
  • Blog
  • Business by Industry
  • Business Industries
    • Trucking
    • Restaurant Insurance
    • Bakery & Café
    • Catering
    • Food Truck
    • Bar & Brewery
    • Contractor Insurance
    • Remodeling Contractor
    • Electrical Contractor
    • Plumbing Contractor
    • HVAC Contractor
    • Roofing Contractor
    • Cleaning & Janitorial
    • Landscaping & Lawn Care

Business Insurance by Industry in KY, OH & WV

We help businesses across Kentucky, Ohio, and West Virginia find the right insurance coverage — with access to multiple carriers and solutions for a wide range of industries.

👉 Get a Quote

Industries We Serve

Contractor Insurance

Coverage options for general contractors and specialty trades including liability, property, workers compensation, and commercial auto.

General Contractor

Get coverage for general contractors including liability, property, and workers compensation tailored to your projects. 

HVAC Contractor

Get coverage for HVAC contractors including liability, tools and equipment, and commercial auto protection. 

Plumbing Contractor

Get coverage for plumbing contractors including liability, commercial auto, and tools and equipment coverage. 

Drywall Contractor

Get coverage for drywall contractors including liability and tools and equipment protection. 

Concrete Contractor

Get coverage for concrete contractors including liability, equipment, and job site protection. 

Flooring Contractor

Get coverage for flooring contractors including liability and tools and equipment protection. 

Roofing Contractor

Get coverage for roofing contractors including liability, workers compensation, and commercial auto options. 

Electrical Contractor

Get coverage for electrical contractors including liability, workers compensation, and equipment protection. 

Remodeling Contractor

Get coverage for remodeling contractors including liability, property, and protection for ongoing projects.  

Painting Contractor

Get coverage for painting contractors including liability and protection for tools and job site risks. 

Excavation Contractor

Get coverage for excavation and site work contractors including liability, equipment, and high-risk job protection. 

Tree Service Contractor

Get coverage for tree service contractors including liability, equipment, and high-risk job protection. 

Restoration Contractor

Get coverage for restoration contractors including liability, equipment, and environmental exposures. 


Restaurant & Food Service Insurance

Coverage options for restaurants, food trucks, and food service businesses including liability, property, workers compensation, and liquor liability.

Restaurant

Get coverage for restaurants including liability, property, workers compensation, and liquor liability options. 

Food Truck & Trailers

Get coverage for food trucks including liability, equipment, and trailer protection for mobile food businesses. 

Coffee Shop

Get coverage for coffee shops including liability, property, and equipment coverage for daily operations. 

Catering

Get coverage for catering businesses including liability, equipment, and off-site event protection. 

Bakery & Cafe

Get coverage for bakeries and cafes including liability, property, and equipment protection.

Bar & Brewery

Get coverage for bars and breweries including liquor liability, general liability, and property protection. 

Fast food & Quick Service

Get coverage for fast food and quick service restaurants including liability and property protection. 

Pizza Shop

Get coverage for pizza shops including liability, property, and delivery exposure protection.  

Ice Cream & Dessert Shop

Get coverage for ice cream and dessert shops including liability and equipment protection. 


Service Business Insurance

Coverage options for service-based businesses including general liability, workers compensation, equipment, and commercial auto for day-to-day operations.

Cleaning & Janitorial

Get coverage for cleaning and janitorial businesses including general liability, workers compensation, and protection for residential and commercial jobs. 

Pressure Washing

Get coverage for pressure washing businesses including liability, workers compensation, and protection for residential and commercial work. 

Window Cleaning

Get coverage for window cleaning businesses including liability, workers compensation, and protection for elevated work exposures. 

Pool Maintenance

Get coverage for pool maintenance businesses including liability, workers compensation, and protection for service and repair work. 

Security Camera Installation

Get coverage for security installation businesses including liability, workers compensation, and protection for service and repair work. 

Landscaping & Lawncare

Get coverage for landscaping and lawncare businesses including liability, workers compensation, equipment, and commercial auto. 

Handyman Services

Get coverage for handyman services including liability, workers compensation, and protection for small residential and commercial jobs. 

Pest Control

Get coverage for pest control businesses including liability, workers compensation, and protection for chemical application risks. 

Car Detailing

Get coverage for car detail businesses including liability, workers compensation, and protection for mobile service operations. 


Habitational & Landlord Insurance

Coverage options for landlords, rental properties, and apartment owners including property, liability, loss of rents, and workers compensation where applicable.

Single Family Rental

Get coverage for single family rental properties including property, liability, and loss of rental income protection. 

Apartment Buildings

1

Get coverage for apartment buildings including property, liability, loss of rents, and protection for larger residential risks. 

Short-Term Rentals (Airbnb)

 Get coverage for short-term rental properties including property, liability, and protection for frequent guest turnover. 

Mixed-Use Buildings

Get coverage for mixed-use properties including residential and commercial units under one policy. 

Hotels & Motels

 Get coverage for hotels and motels including property, liability, loss of income, and protection for guest-related exposures. 

Multi-Family / Duplex / Triplex

Get coverage for multi-family properties including property, liability, and protection for multiple units under one policy. 

Lessor’s Risk Only (LRO)

Get coverage for leased commercial or residential buildings including property, liability, and loss of rental income. 

Vacant Properties

1

Get coverage for vacant rental properties including property and liability protection during unoccupied periods. 

Mobile Home Parks

Get coverage for mobile home parks including property, liability, and protection for park-owned exposures. 

Property Management Companies

Get coverage for property managers including liability, errors & omissions, and workers compensation. 


Trucking & Transportation Insurance

Coverage options for trucking and transportation businesses including liability, cargo, physical damage, workers compensation, and commercial auto.

Tractor Trailer & Semi Trucks

Get coverage for tractor trailer operations including liability, cargo, physical damage, and workers compensation. 

Flatbed Trucking

1

Get coverage for flatbed trucking including liability, cargo, and protection for oversized or unsecured loads. 

Box Trucks

1

Get coverage for box truck operations including liability, cargo, and commercial auto for local and regional deliveries. 

Dump Trucks

Get coverage for dump truck operations including liability, physical damage, and protection for heavy-duty jobs. 

Tow Trucks & Towing

Get coverage for towing operations including liability, on-hook, and garagekeepers coverage. 

Dump Trucks

Get coverage for dump truck operations including liability, physical damage, and protection for heavy-duty jobs. 

Dry Van Trucking

Get coverage for dry van trucking including liability, cargo, and protection for general freight operations. 

Refrigerated (Reefer) Trucks

2

Get coverage for refrigerated trucking including liability, cargo, and spoilage protection. 

Hot Shot Trucking

2

Get coverage for hot shot trucking including liability, cargo, and trailer protection for expedited loads. 

Auto Haulers

2

Get coverage for auto haulers including liability, cargo, and protection for transported vehicles. 

Owner Operators

Get coverage for owner operators including liability, physical damage, cargo, and non-trucking liability. 



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