Running a contracting business means taking on big responsibilities — from managing crews and equipment to keeping up with job deadlines and client expectations. One accident, injury, or property loss can put your entire operation at risk. That’s why having the right insurance coverage isn’t just a box to check — it’s a vital part of protecting your business and reputation.
At Sharp Insurance & Financial Services, we specialize in helping contractors across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — safeguard their work with customized coverage built for their industry. Whether you’re an independent tradesman or manage a large construction crew, we’ll help you find affordable, reliable protection for every project.
No matter the size of your operation, having the right insurance can make the difference between a small setback and a serious financial loss. From small home improvement jobs to large-scale commercial builds, we help contractors secure the coverage needed to meet licensing requirements, satisfy client contracts, and protect their tools, vehicles, and employees. Our team understands the fast-paced, hands-on nature of construction work — and we’ll make sure your policy keeps up with the demands of your trade.
Every contracting business is unique, and so are the risks you face. At Sharp Insurance & Financial Services, we build policies tailored to protect your people, tools, and projects — across Kentucky, Ohio, and West Virginia, including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston.
Protects your business if a client or third party is injured, or their property is damaged as a result of your work.
Covers your office, warehouse, or storage space — along with tools, equipment, and materials — from losses due to fire, theft, or storms.
Provides wage replacement and medical benefits for employees injured on the job, helping you stay compliant and avoid costly lawsuits.
Covers your work trucks, trailers, and other vehicles used for business against accidents, damage, and liability claims.
Provides extra protection beyond your primary liability policy limits, keeping your business covered against larger claims.
Many contracting jobs require bonds to bid or start a project. We make it simple to get performance, payment, and license bonds — all available through our Surety Bond Portal
Help your employees stay healthy and protected with group medical coverage designed for small to mid-sized contracting businesses. We’ll help you find affordable plans that fit your budget and meet your team’s needs.
Show your employees they matter with life insurance coverage that helps protect their families and builds long-term loyalty. We offer flexible group life options that work for any size crew.
At Sharp Insurance & Financial Services, we’re proud to support the hardworking contractors who keep our communities growing. We provide expert guidance, personalized coverage, and local support you can trust across Kentucky, Ohio, and West Virginia.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.