Sharp Insurance & Financial Services

09/03/2026

Does your business ever get asked for a Certificate of Insurance (COI)? 📄

A COI may look like a simple document, but there are some important differences business owners should understand.

Our latest blog covers:

✔ What a Certificate of Insurance actually shows
✔ Why customers and general contractors request them
✔ Certificate Holder vs. Additional Insured
✔ Additional Insured requirements
✔ Waiver of Subrogation
✔ Primary & Noncontributory wording
✔ General Liability, Commercial Auto, Workers’ Comp & Umbrella requirements
✔ Why a COI doesn't create coverage that isn't in the actual policy

One of the biggest takeaways: having insurance doesn't necessarily mean your insurance meets the requirements of a particular contract.

If you're a contractor or business owner, it's a good idea to have insurance requirements reviewed before you sign a contract or show up to start the job.

Need business insurance or have questions about your current coverage?

📞 606-324-0696
📧 [email protected]
🌐 SharpIFS.com

Helping businesses in Kentucky and many other states through our direct carrier relationships and specialty brokerage partners.
https://sharpifs.com/blog/f/why-does-my-business-need-a-certificate-of-insurance-coi

If you own a business, especially a contracting or service business, you've probably been asked to provide a Certificate of Insurance, commonly called a COI.

09/02/2026

Your vehicles keep your business moving—make sure they’re protected.

Whether you operate service vans, work trucks, contractor vehicles, or a full commercial fleet, we shop Progressive, GEICO, Guard, Grange, Hanover, Hartford, and CNA to find the right balance of coverage and cost for your business.

From Ashland, Russell, Flatwoods, Catlettsburg, Cannonsburg, Greenup, South Point, Ironton, Portsmouth, Chesapeake, Huntington, Barboursville, Milton, Grayson, and Morehead — to businesses across Kentucky, Ohio, and West Virginia — we help local companies stay protected on the road.

✔ Commercial Auto
✔ Contractor Vans
✔ Work Trucks
✔ Fleets
✔ Liability + Physical Damage
✔ Cargo & Trailer Coverage Available

Request a quote on our website today:
👉 https://sharpifs.com/
606-324-0696
[email protected]

09/01/2026

August was another busy month for commercial insurance at Sharp Insurance.

Here are a few of the businesses and coverages we helped place last month:

✔ Concrete Contractor — Commercial Auto
✔ Remodeling Contractor — General Liability including Structural Framing
✔ Healthcare Business — Commercial Auto
✔ Florist & Gift Shop — General Liability
✔ Contractor — License Bond
✔ Remodeling Contractor — Workers’ Compensation
✔ Countertop Installation Contractor — Workers’ Compensation
✔ Painting Contractor — Workers’ Compensation
✔ Telecommunications Contractor — General Liability & Umbrella

From contractors and healthcare businesses to retail and telecommunications, every business has different insurance needs.

As an independent agency, we work with multiple direct insurance carriers and specialty brokerage partners to help find coverage for a wide variety of commercial risks.

Need a quote or want a second opinion on your current business insurance?

📞 606-324-0696
📧 [email protected]
🌐 SharpIFS.com

Helping businesses in Kentucky and many other states with their commercial insurance needs.

08/31/2026

💼🦺 Protect Your Business and Your Team with Workers’ Comp Coverage

Accidents can happen on any job site — especially in industries like construction, HVAC, plumbing, and landscaping. That’s why workers’ compensation insurance is essential for protecting both your employees and your business from costly medical bills or lawsuits.

At Sharp Insurance & Financial Services, we work with trusted carriers like Guard, Hanover, Hartford, CNA, and KEMI to find the right coverage for your company.

Serving businesses across Ashland, Russell, Flatwoods, Ironton, and Huntington, and throughout Kentucky, Ohio, and West Virginia.

👉 Request a quote on our website today to make sure your business is protected.
https://sharpifs.com/
606-324-0696
[email protected]

08/28/2026

🚗 Shopping your auto insurance? Now may be a great time to compare rates.

We've recently been seeing very competitive pricing, especially with Progressive and GEICO, along with several of the other insurance companies we represent. While every situation is different, we've been able to help many clients save **hundreds—and in some cases even over $1,000 per year—**while maintaining excellent coverage.

As an independent insurance agency, we're not limited to just one company. We compare multiple carriers to help find the best combination of price, coverage, and service for your specific needs.

If it's been a while since you've reviewed your auto insurance, or your renewal premium recently increased, we'd be happy to provide a free quote and second opinion.

📍 Serving Kentucky, Ohio & West Virginia

📞 606-324-0696
🌐 SharpIFS.com
✉️ [email protected]

08/27/2026

Commercial Auto Insurance isn't just for trucking companies. 🚚

Contractors, service businesses, delivery operations, and many other businesses rely on company vehicles every day—and a personal auto policy may not be designed for those exposures.

Our latest blog breaks down what Commercial Auto Insurance covers and some of the important things business owners should consider, including:

✔ Auto Liability
✔ Comprehensive & Collision
✔ Employees Driving Company Vehicles
✔ Hired & Non-Owned Auto
✔ Trailers
✔ Tools & Equipment Inside Work Vehicles
✔ Commercial Umbrella Coverage
✔ Factors That Affect Commercial Auto Rates

Whether you have one work truck or an entire fleet, we're happy to review your current coverage and pricing or explore options for a new policy.

As an independent agency, we have access to multiple Commercial Auto insurance markets through our direct carrier relationships and specialty brokerage partners.

📞 606-324-0696
📧 [email protected]
🌐 SharpIFS.com

Helping businesses in Kentucky and many other states with their commercial insurance needs.
https://sharpifs.com/blog/f/what-does-commercial-auto-insurance-cover

08/26/2026

👷 Contractor Insurance You Can Count On in Ashland & the Tri-State Area

From job sites to company vehicles, contractors face risks every day. The right insurance helps protect your business, employees, equipment, and projects—so one claim doesn’t derail everything you’ve built.

At Sharp Insurance & Financial Services, we help contractors across Ashland, Russell, Flatwoods, and surrounding areas find coverage that fits their trade, not a one-size-fits-all policy.

Whether you’re an electrician, HVAC contractor, plumber, roofer, or general contractor, we’ll help make sure you’re properly covered and compliant.

📞 Call: 606-324-0696
📧 [email protected]
🌐 Request a quote: https://sharpifs.com/

08/25/2026

Painting contractors — is your insurance keeping up with your business? 🎨

Painting businesses can have more insurance exposures than many people realize, especially as they add employees, vehicles, equipment, subcontractors, or additional services.

Our latest blog breaks down some of the coverages painting contractors may need, including:

✔ General Liability
✔ Workers' Compensation
✔ Commercial Auto
✔ Tools & Equipment / Inland Marine
✔ Commercial Umbrella

We also cover an important issue for growing contractors: what happens when a painting company starts offering additional services like flooring, drywall repair, pressure washing, carpentry, or remodeling?

If you're starting a painting business or would like a second opinion on your current coverage and pricing, we'd be happy to help.

📞 606-324-0696
📧 [email protected]
🌐 SharpIFS.com

Helping contractors in Kentucky and many other states through our direct carrier relationships and specialty brokerage partners.
https://sharpifs.com/blog/f/what-insurance-does-a-painting-contractor-need

08/24/2026

Protecting trucking businesses with the coverage they need to stay on the road.

We help place commercial auto and trucking insurance for owner-operators and fleets, including coverage for tractor trailers, hot shot rigs, sprinter vans, and box trucks, along with cargo coverage to protect what you’re hauling.

We’re licensed in our core states of Kentucky, Ohio, and West Virginia, and also serve clients in Florida, Michigan, South Carolina, North Carolina, Tennessee, and Pennsylvania.

If you’re shopping coverage, renewing, or having trouble finding the right policy, we’re here to help.

📞 606-324-0696
🌐 SharpIFS.com
✉️ [email protected]

08/21/2026

🌊 Did you know that most homeowners insurance policies do not cover flood damage?

Whether you're required to carry flood insurance by your mortgage company or simply want the peace of mind of knowing your home is protected, it's worth reviewing your options before you need it.

At Sharp Insurance, we can help with both:

✔ NFIP (National Flood Insurance Program) policies
✔ Private flood insurance carriers

Depending on your property, private flood markets may offer competitive pricing, higher coverage limits, or additional options that aren't always available through the NFIP.

If you have questions about your current flood coverage, recently purchased a home, or just want to see what options are available, we'd be happy to help.

📍 Serving Kentucky, Ohio & West Virginia
📞 606-324-0696
🌐 SharpIFS.com