Business Insurance in Knoxville, TN — Sharp Insurance Agency

Do you need a better Business Insurance package?
Choosing the right commercial insurance can be confusing. Sharp Insurance Agency offers multiple options and tailored programs to meet the needs of businesses in Knoxville and throughout Tennessee.

As an independent Knoxville agency (office currently in renovation), we design specialized packages around your property, liability, and casualty needs. We’re proactive in identifying factors that could increase premiums or change your risk, and we provide practical consulting and risk management to help protect your business.

Whether you’re a retailer, wholesaler, contractor, professional office, or trade specialist, we can build a package that fits your operations and contracts.

Commercial Package Policy vs. Business Owners Policy (BOP)

• Commercial Package Policy (CPP)
  • Think of a component stereo—you select each coverage separately (Property, General Liability, Inland Marine, Crime, etc.) and customize limits and endorsements for complex needs.
• Business Owners Policy (BOP)
  • Think “stereo‑in‑a‑box”—Property, General Liability, and Business Income bundled with common small‑business endorsements, often at a discounted rate for eligible classes.

We’ll recommend CPP or BOP based on your size, class, property values, and coverage complexity.

Business insurance products we help with

• Business Owners Packages (BOP)
• Commercial Auto
• Business Personal Property
• Business Umbrella/Excess Liability
• General Liability
• Workers’ Compensation
• Commercial Building Property
• Builders Risk (Course of Construction)
• Inland Marine/Equipment Floater
• Cyber Liability
• Professional Liability (E&O)
• Employment Practices Liability (EPLI)
• Directors & Officers (D&O)
• Crime/Fidelity
• Pollution Liability
• Liquor Liability
• Garage Liability and Garage Keepers
• Commercial Umbrella
• Risk Management and Contract Review

Industries and specialties we serve

• Contractors and Trades (GCs, electrical, plumbing, HVAC, roofing, painting, landscaping)
• Retail stores and e‑commerce
• Restaurants and food service
• Professional offices (medical, legal, financial, tech)
• Property managers and owners
• Apartments, condos, and self‑storage
• Service and repair shops, auto body, and general repair
• Churches and nonprofits

Don’t see your industry? Ask—we insure many niche classes as well.

Why Sharp Insurance Agency?

• Independent: We shop multiple A‑rated carriers for competitive pricing
• Tailored: Limits, deductibles, and endorsements aligned to your risks and contracts
• Strategic: Help reduce total cost of risk with safety programs and coverage optimization
• Responsive: Fast Certificates of Insurance (COIs) and claims advocacy
• Clear: We explain fine‑print differences so you avoid gaps and surprises

How to get started with your business insurance comparison

No two businesses are the same. Speak with a qualified business insurance professional who can sift through your options and avoid cookie‑cutter policies with hidden exclusions.

• Phone: (865) 922-2744
• Email: info@sharpinstn.com
• Office: Knoxville, TN (Office currently in renovation)
• Service Area: Knoxville and all of Tennessee

Contact Sharp Insurance Agency today for a personalized Knoxville homeowners insurance quote and see how the right coverage, carrier, and price come together.