I haven't visited the site in a while, but mmoart.com would certainly do characters, and you could ask about doing ships as well.
Edit: Nevermind, the site is closed. Too bad, since there was some cool stuff. I'm sure there's something else like it out there, that does MMO characters for commission.
There was some...unpleasantness with mmoart.com a while back (nothing I was personally involved in), so even if the site weren't closed I don't think I'd pay them for anything. The artist/founder was phenomenally good at art, but didn't have the lobes to make it a business.