Sharp Insurance & Financial Services

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General Liability Insurance protects your business from the costs of accidents, property damage, or customer injuries. As one of the most important coverages for any business, it provides peace of mind across Kentucky, Ohio, and West Virginia, allowing you to focus on growth while reducing risk. 

Commercial Auto Insurance provides protection for company vehicles, employees, and cargo on the road. From work trucks and delivery vans to full fleets, this coverage helps safeguard your business against accidents, damages, and liability claims. We offer reliable solutions across Kentucky, Ohio, and West Virginia so you can keep your business moving with confidence. 

Workers’ Compensation Insurance protects both your business and your employees by covering medical expenses, lost wages, and rehabilitation costs in the event of a work-related injury or illness. This coverage is essential for compliance and peace of mind, helping businesses across Kentucky, Ohio, and West Virginia provide a safe and secure workplace. 

Commercial Property Insurance protects your buildings, equipment, and inventory against risks such as fire, theft, storms, or other covered events. Whether you own or lease your space, this coverage ensures your business assets are safeguarded. We provide reliable protection for businesses across Kentucky, Ohio, and West Virginia so you can operate with confidence. 

Commercial Umbrella Insurance provides an extra layer of protection beyond your standard liability policies. It helps cover large claims or lawsuits that exceed the limits of your existing coverage, giving your business added financial security. This coverage is especially valuable for growing businesses across Kentucky, Ohio, and West Virginia that want complete peace of mind  .

Errors & Omissions Insurance (E&O), also known as Professional Liability Insurance, protects your business against claims of negligence, mistakes, or failure to deliver professional services. This coverage helps safeguard service-based businesses from costly lawsuits and financial loss. We provide tailored E&O solutions for professionals across Kentucky, Ohio, and West Virginia who want added peace of mind. 

At Sharp Insurance & Financial Services, we are specialized in Trucking Insurance and understand the unique risks faced by trucking companies and owner-operators. Our coverage protects long-haul and local trucking operations, including liability, cargo, and physical damage. Whether you manage a fleet or operate independently, we provide tailored solutions to keep you compliant and protected across Kentucky, Ohio, and West Virginia. 

At Sharp Insurance & Financial Services, we are highly specialized in Contractor Insurance and understand the unique risks of working in the trades. We provide tailored coverage for professionals including carpenters, remodelers, plumbers, electricians, concrete workers, roofers, painters, HVAC technicians, landscapers, and more. Our contractor-focused policies protect your business, employees, tools, and equipment while keeping you compliant. We proudly serve contractors across KY, OH, and WV.

Restaurant Insurance provides customized protection for your building, equipment, staff, and customers. From liability and property coverage to workers’ compensation and business interruption, we help restaurants, cafés, food trucks, and bars stay protected against risks. Our solutions are tailored for the food service industry across Kentucky, Ohio, and West Virginia.

Lessors Risk Insurance provides protection for landlords and building owners who rent out commercial space. This coverage safeguards against property damage, liability claims, and tenant-related risks. We help property owners across Kentucky, Ohio, and West Virginia protect their investments with reliable, tailored solutions. 

Retail Insurance is designed for shops, boutiques, convenience stores, and other retail businesses. Coverage options include liability, property, and business interruption protection to keep your doors open even after the unexpected. We serve retail owners across Kentucky, Ohio, and West Virginia with customized policies that fit their needs. 

Hospitality Insurance provides comprehensive protection for restaurants, cafés, bars, hotels, and motels. Coverage includes liability, property, workers’ compensation, and more to keep your staff, guests, and business safe. We proudly serve hospitality businesses across Kentucky, Ohio, and West Virginia with policies built to match industry risks. 

Technology Business Insurance provides tailored protection for IT companies, software developers, consultants, and other tech-focused businesses. Coverage can include general liability, professional liability, and property protection for your office or equipment. We help technology businesses across Kentucky, Ohio, and West Virginia safeguard their operations with reliable insurance solutions. 

Cyber Insurance protects businesses from the growing risks of data breaches, cyberattacks, and online fraud. This coverage can include liability for compromised customer data, system recovery costs, and defense against lawsuits. We provide modern cyber protection for businesses across Kentucky, Ohio, and West Virginia looking for peace of mind in today’s digital world.