Sharp Insurance & Financial Services

06/03/2026

Need a surety bond? We make it fast and easy — no matter what type you need. Whether you're a contractor looking for a license, bid, or performance bond… a dealer needing a motor vehicle dealer bond… a notary needing your required bond… or a business owner needing a customs or miscellaneous bond, we’ve got you covered.

We offer a wide range of bonds, including:
✔ Contractor License Bonds
✔ Bid & Performance Bonds
✔ Auto Dealer Bonds
✔ Notary Bonds
✔ Customs Bonds
✔ Freight / Broker Bonds
✔ Janitorial Bonds
✔ Utility Bonds
✔ And many other common business bonds

You can self-quote and issue your bond online using our link below, or call us if you need help choosing the right bond:

🔗 Self-Quote Here:
https://sharpifs.propeller.insure/axelerator-public/

If you have any questions or want us to walk you through the process, just give us a call — we’re here to help!

Sharp Insurance & Financial Services
Serving KY, OH & WV with fast, easy bond solutions

06/02/2026

General Liability, Workers' Compensation, Commercial Auto, Inland Marine, Umbrella coverage, and Surety Bonds all serve different purposes for contractors.

Learn which insurance policies contractors should review and why having the right coverage structure matters as your business grows.

Contractors face a unique set of risks every day.

06/01/2026

In May, we helped place coverage for:

• Remodeling contractor – General Liability Insurance
• Remodeling contractor – Workers' Compensation Insurance
• Box truck operation – Commercial Auto Insurance
• Haunted house attraction – General Liability Insurance
• Septic tank installation contractor – General Liability Insurance
• Bathroom remodeling & tile contractor – General Liability Insurance
• Excavation company – Commercial Auto Insurance
• Trucking business – Commercial Auto Insurance
• Trucking business – Motor Truck Cargo Insurance
• Land clearing company – Inland Marine Insurance
• Landscaping company – General Liability Insurance
• Med Spa – General Liability Insurance
• Med Spa – Professional Liability (E&O) Insurance
• Barber Shop – Commercial Property Insurance

From contractors and transportation businesses to professional services, retail operations, and specialty risks, we help businesses secure coverage such as:

✔ General Liability Insurance
✔ Commercial Auto Insurance
✔ Workers' Compensation Insurance
✔ Commercial Property Insurance
✔ Inland Marine Insurance
✔ Motor Truck Cargo Insurance
✔ Professional Liability (E&O) Insurance
✔ Umbrella Coverage
✔ Surety Bonds

Whether you're a startup, growing business, or a more complex operation that falls outside the appetite of many standard carriers, we're happy to review your options.

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

05/29/2026

This week alone, we helped a local family save over $200 per month on their auto insurance — simply by reviewing their coverage and shopping it properly.

That’s one of the biggest advantages of working with an independent insurance agency. We’re not tied to just one carrier. If you’re unhappy with your rate one year, we can shop your home and auto insurance across multiple carriers to find the best fit for your coverage and budget.

Bundling your home and auto can also help simplify your insurance and unlock additional savings — all in one place.

Serving Ashland, Russell, Flatwoods, Catlettsburg, Cannonsburg, Greenup, Ironton, South Point, Proctorville, Chesapeake, and the entire Tri-State area across KY, OH & WV.

Local. Independent. Here to help.
Reach out for a quote today!
606-324-0696
[email protected]
https://sharpifs.com/

05/28/2026

We’re starting to see parts of the trucking insurance market become more competitive again, with additional markets becoming available for certain operations.

Through direct and brokerage market access, we help trucking businesses across KY, OH, and WV explore coverage options for owner-operators, fleets, box trucks, sprinter vans, and more.

Over the past several years, trucking insurance has been one of the most difficult commercial insurance markets in the country.

05/27/2026

🛡️ Professional Liability (E&O) Insurance That Protects Your Business

Even experienced professionals can face claims from mistakes, misunderstandings, or alleged errors. Errors & Omissions (E&O) insurance helps protect your business from costly legal defense and liability claims related to your professional services.

At Sharp Insurance & Financial Services, we help professionals in Ashland, Ironton, Russell, Flatwoods, and surrounding areas find E&O coverage that fits their industry and risk — not a one-size-fits-all policy.

If your business provides advice, services, or expertise, E&O insurance is an important layer of protection.

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

05/26/2026

Many commercial insurance policies are based on estimated payroll, revenue, or subcontractor costs—and those numbers may later be audited by the insurance company.

Understanding how commercial insurance audits work can help businesses avoid unexpected surprises.

One thing many business owners don’t realize is that many commercial insurance policies are written using estimated numbers.

05/25/2026

This Memorial Day, we honor the heroes who gave everything for our freedom.

Our office will be closed, but our gratitude is always on duty.

Wishing everyone a safe and meaningful Memorial Day.

05/22/2026

A local homeowner recently reached out because her home insurance renewal jumped to $5,500 per year — and she wasn’t sure why.

After reviewing her policy, we were able to:
✔ Lower her premium to $2,280 per year
✔ Improve her coverage with a $1,000 all-peril deductible
✔ Keep her properly protected with a $2,500 wind & hail deductible
✔ Quote her auto insurance for under $800 per year

That’s over $3,000 in annual savings, without cutting corners on coverage.

If you live in Ashland, Russell, Flatwoods, or the surrounding Tri-State area, and it’s been a while since your policy was reviewed, there’s a good chance you could be overpaying too.

📍 Local. Independent. Here to help.
Reach out for a free insurance review.
606-324-0696
[email protected]
https://sharpifs.com/

05/21/2026

Having commercial insurance is important—but making sure your policy is structured correctly matters just as much.

Incorrect classifications, uninsured subcontractors, business-use vehicles, excluded operations, and outdated information can all create issues during a claim.

Most business owners understand the importance of having commercial insurance.