Getting the right business insurance for your Oklahoma company means knowing what questions to ask. Our FAQ section answers common questions about general liability insurance using insights from MoneyGeek's research:
Best General Liability Insurance in Oklahoma
The Hartford tops Oklahoma general liability insurance, while Simply Business offers the lowest rates at $80 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: February 1, 2026
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Commercial General Liability Insurance in Oklahoma: Fast Answers
Which company offers the best general liability insurance in Oklahoma?
The Hartford ranks as the best general liability insurance company in Oklahoma with a 4.65 overall score out of 5. The company offers affordable coverage at $85 per month along with strong claims handling. ERGO NEXT follows in second place with a 4.55 score, providing excellent digital tools and solid customer support for $97 per month.
Who offers the cheapest general liability insurance in Oklahoma?
The cheapest general liability insurance companies in Oklahoma are:
- Simply Business: $80 per month
- The Hartford: $85 per month
- Nationwide: $92 per month
- Progressive: $94 per month
- ERGO NEXT: $97 per month
Do Oklahoma businesses legally need general liability insurance?
Oklahoma doesn't legally require most businesses to carry general liability insurance at the state level. However, certain licensed professionals like contractors and electricians may need specific coverage amounts. Local municipalities can set their own requirements, and most landlords and clients demand proof of insurance before signing contracts.
How much does general liability insurance cost in Oklahoma?
General liability insurance costs between $16 and $863 per month for small Oklahoma businesses with two employees. Your actual premium depends on your industry, business location, coverage limits, and company size. Drone businesses pay some of the lowest rates, while pressure washing companies see higher costs because of their increased risk exposure.
Best General Liability Insurance Companies in Oklahoma
The Hartford leads our Oklahoma rankings for general liability insurance with low rates and reliable financial strength. ERGO NEXT earns high marks for customer service, while Simply Business offers extensive coverage choices for small businesses. These three insurers give Oklahoma business owners quality options to protect their operations.
| The Hartford | 4.65 | $85 |
| ERGO NEXT | 4.55 | $97 |
| Simply Business | 4.48 | $80 |
| Coverdash | 4.37 | $98 |
| Thimble | 4.35 | $101 |
| biBERK | 4.28 | $108 |
| Progressive Commercial | 4.27 | $94 |
| Chubb | 4.25 | $112 |
| Hiscox | 4.17 | $108 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Oklahoma General Liability Insurer
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN OKLAHOMA
General liability insurance covers customer injuries and property damage for Oklahoma businesses, but most companies need broader financial protection. Explore these additional coverage options:
Best Oklahoma General Liability Insurance Reviews
Finding the right general liability insurance in Oklahoma requires looking beyond just affordable rates to consider coverage quality and customer service. Our research identified the top business insurers based on comprehensive analysis.
The Hartford
Best Oklahoma General Liability Insurer
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$85These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
ERGO NEXT
Best Oklahoma Commercial General Liability: Runner-Up
MoneyGeek Rating
4.5/ 5
4.2/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$97These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Oklahoma
Simply Business offers the cheapest general liability insurance in Oklahoma at $80 per month, saving businesses $17 or 18% compared to the state average. The Hartford and Nationwide also provide affordable coverage options for Oklahoma businesses.
| Simply Business | $80 | $955 |
| The Hartford | $85 | $1,019 |
| Nationwide | $92 | $1,099 |
| Progressive Commercial | $94 | $1,133 |
| ERGO NEXT | $97 | $1,168 |
| Coverdash | $98 | $1,172 |
| Thimble | $101 | $1,217 |
| Hiscox | $108 | $1,295 |
| biBERK | $108 | $1,296 |
| Chubb | $112 | $1,347 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Oklahoma by Industry
Based on MoneyGeek's research, these five providers offer the most affordable general liability insurance across industries in Oklahoma:
- ERGO NEXT dominates with the cheapest rates in 22 industries statewide. The company excels in diverse sectors including manufacturing, tech/IT, real estate and transportation.
- Simply Business ranks as the most affordable option in 17 industries and is especially strong among professional services like accounting, consulting and legal practices.
- biBerk leads affordability in 11 industries, focusing heavily on contractor services, engineering, catering and hospitality businesses.
- Thimble offers the lowest rates across 10 industries, with standout performance in construction, HVAC, roofing and computer programming sectors.
- The Hartford rounds out the top five with cheapest coverage in eight industries, showing strength in electrical, trucking, food services and spa/wellness businesses.
Data filtered by:
Accountants
| Accountants | Simply Business | $12 | $143 |
Average Cost of General Liability Insurance in Oklahoma
Most small businesses in Oklahoma pay around $97 per month for general liability insurance. The average cost of general liability coverage changes based on your industry, business size, location and policy limits.
Manufacturing companies tend to pay higher premiums because of greater risk exposure, while accounting firms often see lower costs due to reduced liability concerns. Sole proprietors generally pay lower rates compared to businesses with employees since they have fewer liability exposures.
Average Cost of General Liability Insurance in Oklahoma by Industry
Oklahoma businesses pay between $16 and $863 per month for general liability coverage, with drone companies getting the most affordable rates and pressure washing businesses seeing the highest costs. Review the table below for specific rates in your industry.
Data filtered by:
Select
| Accountants | $21 | $254 |
| Ad Agency | $35 | $422 |
| Automotive | $50 | $602 |
| Auto Repair | $151 | $1,815 |
| Bakery | $87 | $1,040 |
| Barber | $44 | $526 |
| Beauty Salon | $65 | $785 |
| Bounce House | $65 | $785 |
| Candle | $51 | $611 |
| Cannabis | $62 | $749 |
| Catering | $87 | $1,046 |
| Cleaning | $127 | $1,519 |
| Coffee Shop | $87 | $1,045 |
| Computer Programming | $29 | $342 |
| Computer Repair | $42 | $501 |
| Construction | $176 | $2,114 |
| Consulting | $21 | $253 |
| Contractor | $237 | $2,841 |
| Courier | $183 | $2,197 |
| Daycare | $31 | $368 |
| Dental | $20 | $246 |
| DJ | $25 | $296 |
| Dog Grooming | $59 | $704 |
| Drone | $16 | $187 |
| Ecommerce | $68 | $820 |
| Electrical | $108 | $1,299 |
| Engineering | $39 | $463 |
| Excavation | $448 | $5,379 |
| Florist | $41 | $497 |
| Food | $101 | $1,213 |
| Food Truck | $118 | $1,419 |
| Funeral Home | $58 | $694 |
| Gardening | $106 | $1,272 |
| Handyman | $233 | $2,795 |
| Home-based | $22 | $268 |
| Home-based | $43 | $521 |
| Hospitality | $66 | $797 |
| HVAC | $235 | $2,821 |
| Janitorial | $134 | $1,609 |
| Jewelry | $40 | $482 |
| Junk Removal | $152 | $1,820 |
| Lawn/Landscaping | $119 | $1,429 |
| Lawyers | $22 | $263 |
| Manufacturing | $65 | $783 |
| Marine | $26 | $316 |
| Massage | $96 | $1,151 |
| Mortgage Broker | $22 | $264 |
| Moving | $121 | $1,456 |
| Nonprofit | $34 | $404 |
| Painting | $138 | $1,652 |
| Party Rental | $74 | $892 |
| Personal Training | $23 | $276 |
| Pest Control | $30 | $361 |
| Pet | $52 | $629 |
| Pharmacy | $60 | $725 |
| Photography | $23 | $280 |
| Physical Therapy | $114 | $1,370 |
| Plumbing | $342 | $4,109 |
| Pressure Washing | $863 | $10,359 |
| Real Estate | $43 | $519 |
| Restaurant | $144 | $1,724 |
| Retail | $65 | $785 |
| Roofing | $364 | $4,371 |
| Security | $128 | $1,535 |
| Snack Bars | $111 | $1,335 |
| Software | $26 | $308 |
| Spa/Wellness | $96 | $1,152 |
| Speech Therapist | $31 | $370 |
| Startup | $28 | $338 |
| Tech/IT | $26 | $308 |
| Transportation | $35 | $421 |
| Travel | $20 | $238 |
| Tree Service | $126 | $1,508 |
| Trucking | $96 | $1,147 |
| Tutoring | $29 | $351 |
| Veterinary | $41 | $491 |
| Wedding Planning | $27 | $325 |
| Welding | $155 | $1,860 |
| Wholesale | $42 | $504 |
| Window Cleaning | $153 | $1,834 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Oklahoma General Liability Insurance Costs?
Many important factors determine what Oklahoma businesses pay for general liability insurance.
Oklahoma Legal and Regulatory Environment
Oklahoma's tort reforms block frivolous lawsuits, forum shopping and joint liability exposure. Defendants less than 50% at fault pay only their share. The state's modified comparative negligence law stops plaintiffs who are mostly at fault from collecting damages, cutting down on claims. A proposed 2025 law would cap non-economic damages at $500,000, letting insurers forecast maximum payouts and steady their rates.
Oklahoma Litigation Climate
Oklahoma has the most medical negligence claims per capita in the country. Residents file lawsuits more than people in other states. This legal activity drains $3.7 billion from Oklahoma's economy each year and eliminates nearly 32,000 jobs. More lawsuits mean higher defense costs and bigger jury awards. Insurers build these expenses into premiums, so Oklahoma businesses pay more even when they maintain safe operations.
Oklahoma Economic and Industry Factors
Oklahoma's record $4.5 billion tourism economy in 2024 increases liability risks. Restaurants, hotels and retail shops deal with constant exposure to customer injury claims. Higher visitor volume means more slip-and-fall accidents. Out-of-state tourists are more likely to hire attorneys. Oklahoma requires general liability coverage for restaurants and bars to receive state liquor licenses, reflecting elevated risks from intoxicated patrons, dram shop liability, and alcohol-related incidents.
Oklahoma Geographic Risk Factors
Populated areas like Oklahoma City or Tulsa have higher premiums than less populated locations like Bartlesville or Enid. Greater customer volume, higher claim frequency, and larger jury awards drive urban costs. Oklahoma ranks third nationally for natural disasters with over 100 billion-dollar weather events since 1980. Severe weather creates premises liability exposure through inadequate warnings, unsafe evacuation procedures, and unrepaired storm damage. Insurers price this Tornado Alley risk into coverage.
How Much General Liability Insurance Do I Need in Oklahoma?
Oklahoma has minimal statewide requirements for commercial general liability insurance. Most coverage mandates come from city ordinances or client contracts rather than state law. Workers' compensation is legally required for most Oklahoma employers, but general liability insurance is mandatory only for specific industries or locations. Your coverage needs depend on your profession and where you operate within the state.
Oklahoma public liability insurance requirements for restaurants and bars
Oklahoma requires general liability coverage for any food establishment serving alcohol to obtain a state liquor license from the ABLE Commission. You can't legally sell beer, wine, or spirits without this insurance.
Public liability insurance requirements for general contractors in Oklahoma City
The city mandates at least $50,000 in general liability coverage before contractors can pull permits or register their businesses. This requirement applies to both residential and commercial building contractors.
Public liability insurance requirements for general contractors in Tulsa
Tulsa requires proof of general liability insurance when registering with the Tulsa Permit Center. Contractors can't obtain building permits without providing a current certificate of insurance.
Public liability insurance requirements for contractors bidding on municipal projects
Oklahoma City and other municipalities often require general liability insurance before allowing contractors to bid on government projects. Coverage amounts vary by project size and scope, though proof of insurance is usually non-negotiable.
Note: State insurance requirements update regularly. Check with the Oklahoma Insurance Department or a licensed agent to confirm the latest requirements for your business.
How to Choose the Best General Liability Insurance in Oklahoma
Getting general liability insurance in Oklahoma means assessing your business risks and comparing multiple insurers. Identify what coverage you need based on your industry and location, then request quotes that fit your budget.
- 1Determine Coverage Needs
Oklahoma doesn't require general liability insurance for most businesses, but restaurants, bars and caterers that serve alcohol must carry coverage to obtain a state liquor license. Oklahoma City also requires general contractors to carry at least $50,000 in general liability coverage before bidding on projects.
Many businesses select limits of $1 million per occurrence and $2 million aggregate, with contracts and local ordinances often determining the amount of business insurance coverage required.
- 2Prepare Business Information
Collect details such as annual revenue, payroll totals and your physical business address to receive accurate quotes. Insurers base premiums on factors like gross sales, employee count, square footage and industry classification codes.
Keep your EIN, business registration and tax documents available, as specialty contractors such as electrical, plumbing and mechanical trades must meet additional licensing rules through the Oklahoma Construction Industries Board.
- 3Compare Multiple Quotes
Request quotes from at least three insurers licensed in Oklahoma to compare business insurance costs. Small businesses in the state pay about $97 per month for general liability coverage on average, with monthly rates ranging from $16 to $863 depending on industry risk. Compare deductibles, aggregate limits and whether defense costs reduce your policy limits or remain separate.
- 4Look Beyond Price
Affordable business insurance helps control costs, but exclusions and defense cost terms shape long-term protection. Professional errors, pollution damage and employee injuries often fall outside standard policies and require separate coverage. Check whether legal defense expenses reduce your policy limits or remain outside them to prevent coverage gaps during a claim.
- 5Verify Insurer Credentials
Confirm an insurer’s licensing status through the Oklahoma Insurance Department and review AM Best financial strength ratings. Use National Association of Insurance Commissioners complaint data to spot patterns tied to claims handling issues. Financial stability remains important for large claims, especially as Oklahoma businesses benefit from workers’ compensation costs that have declined 71% since 2011.
- 6Ask About Discounts
Many insurers offer discounts for bundling policies, maintaining a claims-free history and applying safety programs. Combining general liability with commercial auto or property coverage may lower premiums based on MoneyGeek’s analysis. Annual payments, safety system installation and employee training through programs like the Oklahoma Department of Labor Safety Pays consultation service can also reduce costs.
- 7Get Coverage Certificate
Request proof of coverage in the form of a certificate of insurance for Oklahoma clients, landlords and contractors. Many insurers provide digital certificates right away, while others take up to 48 hours to process the request. Keep your agent’s contact details handy, since Oklahoma City contractors and businesses that serve alcohol must present coverage documentation before permits or work can move forward.
- 8Review Coverage Annually
Review your coverage each year after hiring employees, expanding services or increasing revenue. Request updated quotes 60 to 90 days before renewal to adjust limits or pricing. Annual reviews help maintain compliance with Oklahoma City rules and reduce the risk of audit-related cost increases.
Top General Liability Insurance in Oklahoma: Bottom Line
The Hartford, ERGO NEXT and Simply Business offer solid general liability insurance in Oklahoma, but your best choice depends on your industry, company size and budget. Compare multiple quotes and check each insurer's credentials before you buy.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- National Oceanic and Atmospheric Administration. "Billion-Dollar Weather and Climate Disasters: Oklahoma." Accessed February 7, 2026.
- National Weather Service. "2024 Oklahoma Tornadoes." Accessed February 7, 2026.
- National Weather Service. "Oklahoma Tornado Information." Accessed February 7, 2026.
- Oklahoma Business Voice. "Legal Reforms Now Oklahoma Law, Gov. Stitt Says Good for Business." Accessed February 7, 2026.
- Oklahoma Senate. "Senate Judiciary Committee Advances Four Key Tort Reform Bills." Accessed February 7, 2026.
- Oklahoma Statutes. "Title 23, Section 23-13: Comparative Negligence." Accessed February 7, 2026.
- U.S. Chamber of Commerce. "Oklahoma Legal Reform Advances with Key Bills Progressing." Accessed February 7, 2026.
- Visit Oklahoma City. "Visit OKC Reports Record Economic Impact." Accessed February 7, 2026.