Commercial
Insurance

Protecting your small business is protecting your livelihood. At Sharpe Insurance, we will take care of insuring your business assets so that you can think about running your business without worry. From protecting your office and equipment to professional liability insurance, we will come up with a plan to make sure that you are fully secure.

A Sharpe Insurance agent can create a customized commercial insurance policy to meet your business needs.

Workers’ Compensation Insurance

Protect yourself and your employees with workers’ compensation insurance. For most businesses in Missouri, you must offer workers’ comp if your business has five or more employees. In the construction industry, you have to offer workers’ comp if you have even one employee. Some industries are exempted from requiring workers’ compensation for their employees, but that exemption does not protect them if an employee is injured on the job and sues. Employers in exempt industries can elect to carry workers’ compensation insurance. No matter what your business is, at Sharpe Insurance we will write a policy that protects you against claims for:
  • Lost wages
  • Medical expenses
  • Rehabilitation expenses
  • What to do if an employee reports an injury
    • An employee should notify you in writing about any workplace injury. The notice should include the date, time, nature and where the injury took place. Employees must notify you of injury within 30 days of the occurrence. 
    • You must report the injury to Sharpe Insurance within five days of the injury or the report of the injury, whichever is later. 
    • Sharpe Insurance will file a First Report of Injury within 30 days. 

Commercial General Liability Insurance

Whether you have a small coffee shop or medium-sized business office, your building, its contents and the people in it need to be protected. Don’t let an accident, theft, or natural disaster derail your business.
  • What will a general liability policy cover?
    • Physical injury liability
    • Property damage liability
    • Legal expenses for covered losses

Professional Liability Insurance

Whether you are a lawyer or a personal trainer, you can be open to lawsuits in the course of doing business. A professional liability insurance policy can protect your business from legal action.
  • What is included in a professional liability policy?
    • Errors you’ve made in the course of business 
    • Legal defense costs
    • Services completed

Commercial Auto Insurance

If you or your employees are using a vehicle for business operations, it is important than you carry a commercial auto insurance policy. A Sharpe Insurance agent will be able to sit down with you to determine whether you need a commercial policy. Depending on the type and owner of the vehicle, a personal auto insurance policy may not offer enough coverage. 

Whatever your business, contact Sharpe Insurance today to get the insurance you need. As small business owners ourselves, we know what your business means to you.
Helpful Business Insurance Terms
  • Benefit Structure

    The benefit structure defines what injured workers are entitled to when they are hurt from workplace activity. There are five types of compensation benefits

    1. Medical care
    2. Temporary disability benefits
    3. Permanent disability benefits
    4. Vocational rehab
    5. Death benefit
  • Independent Medical Evaluator

    A medical provider selected to make an independent assessment of the cause of an employee’s condition, the permanence of the condition and the worker’s limitations.