Oklahoma General Liability Insurance

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Oklahoma General Liability Insurance Policy Information

OK General Liability Insurance

Oklahoma General Liability Insurance. OK general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Oklahoma general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in OK.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Oklahoma general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your OK business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Oklahoma general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With OK general liability insurance, such issues are adequately handled.
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OK General Liability Insurance Cost

The cost of your Oklahoma general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

OK General Liability Insurance By Industry

Small Business

Protect your company and employees with OK commercial insurance. Read informative articles on Oklahoma small business insurance coverages - and how they can help shield your company from legal liabilities.


Construction Contractors

Learn about Oklahoma construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your OK construction business from lawsuits.


Contractors and Home Improvement

Learn about Oklahoma contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your OK business from lawsuits.


Commercial Property

Read up on Oklahoma commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Warehouse and Storage

Learn about Oklahoma warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Professional Services

Get informed about Oklahoma professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Advertising, Marketing and Media

Learn about Oklahoma media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Real Estate

Learn about Oklahoma real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable Oklahoma retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Auto Sales, Service and Repair

Read about Oklahoma auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Health and Beauty

Learn about Oklahoma health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about Oklahoma IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Food and Drink

Learn about Oklahoma restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Medical and Dental

Discover Oklahoma business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Manufacturing

Learn all about Oklahoma manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.


Wholesale and Distribution

Read informative articles on Oklahoma wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Education, Colleges, Universities & Schools

Learn about Oklahoma commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Sports and Fitness

Learn about Oklahoma sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Children and Pets

Discover what Oklahoma commercial insurance policies cover for children and pet related businesses.


Miscellaneous

Find informative articles on miscellaneous OK businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for Oklahoma non-profit 501(c)(3) organizations, charities and associations.


Arts and Recreation

Read up on Oklahoma arts and recreation commercial insurance.


Agribusiness

Learn about OK agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Commercial Auto

Learn about Oklahoma commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Oklahoma General Liability Insurance Information

OK Commercial Insurance Articles

Read informative articles on Oklahoma commercial insurance including costs and coverages.




Oklahoma Economic Data, Regulations And Limits On Commercial Insurance

Made In Oklahoma

As an entrepreneur, you know that the location of your operation is as important as the products and services you offer. After all, if you want your company to flourish, the location where you set up shop needs to offer favorable conditions.

Whether you're thinking about starting a business in Oklahoma or you're planning on expanding an existing operation by establishing a branch in the state, it's crucial that you have an understanding of the economic trends and commercial insurance policies that you're required to carry in the Sooner State.

The economic trends provide powerful insight about the success of other companies that are already established in a state, and that information can be applied to a prospective operation.

Knowing what commercial insurance policies are required is also important so that you can ensure you are properly protected and that you are operating within compliance of the law. Below, we provide an overview of both of these crucial factors for entrepreneurs who are considering Oklahoma for their operations.

Economic Trends For Business Owners In Oklahoma

When assessing the economy of a state, the employment rate is a vital statistic. This data indicates whether or not there are ample job opportunities available for residents, which is a direct reflection of the success of businesses that are already established in the state.

In December of 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Oklahoma was 3.4%; 0.1% lower than the national average. This indicates a healthy economy.

Businesses of varying sizes and in numerous industries are either headquartered or have branches in Oklahoma. The top industries in OK include:

  • Aviation and Aerospace
  • Biotechnology
  • Business services
  • Energy
  • Entertainment
  • Government
  • Health care
  • Hospitality
  • Telecommunications
  • Transportation and logistics
  • Weather

If you are considering opening a business in any of the above-mentioned sectors, you should see ample opportunities for success in Oklahoma.

The best locations to start a business in OK include:

  • Ardmore
  • Catoosa
  • Clinton
  • Elk City
  • Guymon
  • Pryor Creek
  • Tulsa
  • Weatherford
  • Woodward
  • Grove

These regions and the areas that surround them are home to numerous businesses, offer easy access to national markets, and provide a healthy and diverse workforce.

Commercial Insurance Requirements In Oklahoma

The Oklahoma Insurance Department regulates insurance in OK. Oklahoma mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Oklahoma requires you to have worker's compensation insurance if you hire even one employee on a regular basis with some exceptions. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Oklahoma also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free Oklahoma General Liability Insurance quote in Ada, Altus, Alva, Anadarko, Ardmore, Bartlesville, Bethany, Bixby, Blackwell, Blanchard, Bristow, Broken Arrow, Broken Bow, Catoosa, Chickasha, Choctaw, Claremore, Clinton, Collinsville, Coweta, Cushing, Del City, Dewey, Duncan, Durant, Edmond, El Reno, Elk City, Enid, Fort Gibson, Frederick, Glenpool, Grove, Guthrie, Guymon, Harrah, Heavener, Henryetta, Holdenville, Hominy, Hugo, Idabel, Jenks, Kingfisher, Lawton, Lone Grove, Madill, Marlow, McAlester, McLoud, Miami, Midwest City, Moore, Muldrow, Muskogee, Mustang, Newcastle, Nichols Hills, Noble, Norman, Nowata, Oklahoma City, Okmulgee, Owasso, Park Hill, Pauls Valley, Pawhuska and Hobart, Perry, Piedmont, Pocola, Ponca City, Poteau, Pryor Creek, Purcell, Roland, Sallisaw, Sand Springs, Sapulpa, Sayre, Seminole, Shawnee, Skiatook, Slaughterville, Spencer, Stillwater, Stilwell, Sulphur, Tahlequah, Tecumseh, The Village, Tulsa, Tuttle, Verdigris, Vinita, Wagoner, Warr Acres, Weatherford, Wewoka, Woodward, Yukon and all other cities near me in OK - The Sooner State State.

Also find Oklahoma insurance agents & brokers and learn about Oklahoma small business insurance requirements for general liability, business property, commercial auto & workers compensation including OK business insurance costs. Call us (405) 200-1351.

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