The Hartford leads the field for workers' comp insurance in Oklahoma, due to its exceptional coverage options and customer service. NEXT and Simply Business offer equally reliable alternatives for business owners, with NEXT performing nearly identically to the top provider.
Workers' Comp Insurance in Oklahoma
The Hartford tops our analysis as the best workers' comp insurance provider in Oklahoma with an overall score of 4.61 out of 5.
Compare top Oklahoma workers' comp insurance providers and find your ideal coverage.
Select your industry
Select state
Updated: September 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Simply Business rank as Oklahoma's top workers' compensation insurance providers.
Your company's risk level, number of employees, previous claims and available budget determine which workers' comp provider fits best.
Compare quotes from multiple providers, check their industry expertise and review their service records to find the right workers' comp coverage in Oklahoma.
Best Workers' Comp Insurance Companies in Oklahoma
| The Hartford | 4.61 | 1 |
| NEXT Insurance | 4.60 | 2 |
| Simply Business | 4.52 | 3 |
| Coverdash | 4.45 | 4 |
| biBERK | 4.43 | 5 |
| Progressive Commercial | 4.40 | 6 |
| Hiscox | 4.37 | 7 |
| Thimble | 4.35 | 8 |
| Chubb | 4.26 | 9 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on 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.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Select your industry
Select state
LEARN MORE ABOUT BUSINESS INSURANCE IN OKLAHOMA
While workers' compensation provides essential protection for Oklahoma businesses, your company may need additional safeguards to be fully protected. Explore these valuable resources to learn about other types of coverage that can help protect your business:
Best Oklahoma Workers’ Comp Insurance Reviews
The Hartford and NEXT emerge as the premier workers' compensation insurance providers in Oklahoma, offering superior coverage options for business owners.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$65We analyzed thousands of workers' compensation quotes from insurers operating in Oklahoma across 79 industriesOur Survey: Claims Process
4.5/5Rating based on customer satisfaction with claims handlingOur Survey: Recommend to Others
4.5/5Likelihood customers would recommend this provider
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$65Based on average costs across business typesOur survey: Claims process
3.9/5Rating from customer satisfaction surveyOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT Insurance
Cheapest Workers' Comp Insurance Companies in Oklahoma
NEXT Insurance provides Oklahoma's most affordable workers' compensation insurance at $65 monthly ($780 annually). The Hartford and Simply Business offer comparable rates at $65 and $66 per month, respectively. The table below shows costs from all companies we analyzed:
| NEXT Insurance | $65 | $780 |
| The Hartford | $65 | $785 |
| Simply Business | $66 | $796 |
| Thimble | $67 | $798 |
| Progressive Commercial | $67 | $802 |
| Hiscox | $67 | $809 |
| Coverdash | $69 | $823 |
| biBERK | $71 | $850 |
| Chubb | $80 | $960 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Oklahoma
Workers' compensation insurance in Oklahoma costs businesses an average of $69 per month or $823 annually. Oklahoma's rates run $5 below the national monthly average of $74. Your company's actual premium depends on several factors, including your industry's risk level, number of employees, annual payroll and claims history.
Average Cost of Workers' Comp in Oklahoma by Industry
In Oklahoma, workers' comp insurance costs vary dramatically based on workplace risk levels. Monthly premiums range from $6 for speech therapists to $770 for roofing contractors. This significant difference reflects the varying workplace injury risks across different industries.
| Accountants | $19 | $228 |
| Ad Agency | $15 | $176 |
| Auto Repair | $142 | $1,705 |
| Automotive | $109 | $1,303 |
| Bakery | $50 | $597 |
| Barber | $13 | $159 |
| Beauty Salon | $14 | $164 |
| Bounce House | $37 | $447 |
| Candle | $38 | $453 |
| Cannabis | $78 | $939 |
| Catering | $69 | $825 |
| Cleaning | $46 | $548 |
| Coffee Shop | $43 | $519 |
| Computer Programming | $26 | $318 |
| Computer Repair | $22 | $269 |
| Construction | $171 | $2,053 |
| Consulting | $28 | $340 |
| Contractor | $154 | $1,850 |
| Courier | $211 | $2,537 |
| DJ | $13 | $157 |
| Daycare | $13 | $150 |
| Dental | $10 | $124 |
| Dog Grooming | $60 | $721 |
| Drone | $25 | $299 |
| Ecommerce | $20 | $242 |
| Electrical | $54 | $645 |
| Engineering | $36 | $426 |
| Excavation | $100 | $1,196 |
| Florist | $57 | $680 |
| Food | $40 | $477 |
| Food Truck | $43 | $516 |
| Funeral Home | $25 | $299 |
| Gardening | $44 | $526 |
| HVAC | $59 | $707 |
| Handyman | $88 | $1,054 |
| Home-based | $9 | $113 |
| Hospitality | $65 | $783 |
| Janitorial | $46 | $548 |
| Jewelry | $28 | $335 |
| Junk Removal | $130 | $1,564 |
| Lawn/Landscaping | $35 | $422 |
| Lawyers | $49 | $593 |
| Manufacturing | $56 | $668 |
| Marine | $139 | $1,673 |
| Massage | $14 | $162 |
| Mortgage Broker | $13 | $155 |
| Moving | $244 | $2,923 |
| Nonprofit | $30 | $358 |
| Painting | $131 | $1,576 |
| Party Rental | $34 | $412 |
| Personal Training | $23 | $280 |
| Pest Control | $65 | $783 |
| Pet | $29 | $345 |
| Pharmacy | $6 | $71 |
| Photography | $16 | $192 |
| Physical Therapy | $6 | $77 |
| Plumbing | $60 | $720 |
| Pressure Washing | $78 | $933 |
| Real Estate | $28 | $334 |
| Restaurant | $59 | $709 |
| Retail | $32 | $389 |
| Roofing | $770 | $9,238 |
| Security | $49 | $585 |
| Snack Bars | $40 | $486 |
| Software | $25 | $298 |
| Spa/Wellness | $16 | $194 |
| Speech Therapist | $6 | $67 |
| Startup | $12 | $147 |
| Tech/IT | $25 | $303 |
| Transportation | $215 | $2,583 |
| Travel | $7 | $80 |
| Tree Service | $208 | $2,493 |
| Trucking | $251 | $3,012 |
| Tutoring | $9 | $113 |
| Veterinary | $18 | $216 |
| Wedding Planning | $26 | $318 |
| Welding | $110 | $1,317 |
| Wholesale | $37 | $450 |
| Window Cleaning | $193 | $2,316 |
How Much Workers' Comp Insurance Do I Need in Oklahoma?
In Oklahoma, most businesses must carry workers' compensation insurance as soon as they hire their first employee. This insurance covers medical expenses and lost wages if workers get injured or become ill due to their job.
Employers who fail to maintain proper coverage face fines up to $10,000 and potential misdemeanor charges.
Sole proprietors
Business owners who work independently can choose to opt out of workers' comp coverage for themselves while still maintaining coverage for any employees.
Corporate officers
Executive officers owning at least 25% of company stock may elect to exclude themselves from workers' comp requirements by filing a written waiver.
Real estate agents
Licensed real estate professionals working on commission are typically classified as independent contractors and exempt from mandatory coverage.
Domestic workers
Household employees working fewer than 40 hours per week or earning under $750 per quarter may be exempt from coverage requirements.
Agricultural workers
Small farms with fewer than five regular employees or seasonal workers may qualify for exemption from workers' comp requirements.
Remote workers
Telecommuting employees working exclusively from home may have modified coverage requirements based on their work arrangement.
Temporary workers
Seasonal or temporary workers employed for less than 30 days might be exempt, though specific rules vary by industry and position.
Independent contractors
Workers who maintain control over their work methods and schedule while providing their own tools typically qualify for exemption status.
How to Get the Best Workers' Comp Insurance in Oklahoma
Affordable coverage options are available to protect your team and maintain reasonable business insurance costs.
- 1
Check coverage requirements
Oklahoma law requires most businesses with employees to carry workers' compensation insurance. Small businesses and sole proprietors may have different requirements based on their structure.
- 2
Collect business data
Prepare accurate payroll records, employee count, and job classifications before requesting quotes. Having correct information helps avoid premium adjustments during audits.
- 3
Get multiple insurance quotes
Contact at least three insurance providers for quotes. Oklahoma insurance rates can vary between carriers, even for identical coverage.
- 4
Find industry-specific coverage
Select insurers who understand your industry's risks and compliance requirements.
- 5
Review provider performance
Check each insurer's claim processing times and complaint history. Look for additional benefits like workplace safety programs and return-to-work assistance.
- 6
Review Policy Details
Examine coverage limits and exclusions. Consider pay-as-you-go structures.
- 7
Schedule Annual Reviews
Review your coverage yearly as business changes affect premium costs.
Oklahoma Workers’ Comp: Bottom Line
Oklahoma businesses have access to several strong workers' compensation insurance providers. The Hartford, NEXT and Simply Business stand out as the top-rated insurers in Oklahoma. Consider getting quotes from multiple providers to find the best fit for your industry type, company size and financial requirements.
Oklahoma Workers' Comp Insurance: FAQ
Find clear answers to your questions in our comprehensive FAQ section below.
Is workers' comp insurance required for all Oklahoma businesses?
Oklahoma law requires businesses with one or more employees to carry workers' compensation insurance. Sole proprietors, independent contractors and certain corporate officers can opt out of coverage. Failing to provide required coverage can result in fines up to $10,000, potential imprisonment and closure of business operations until compliance is achieved.
How much does workers' comp insurance cost in Oklahoma?
NEXT offers the lowest-priced workers' comp insurance in Oklahoma at $65 per month ($780 annually). Your actual premium costs will vary based on your industry risk level, number of employees, payroll size and claims history.
What does workers' comp insurance cover in Oklahoma?
Oklahoma workers' comp insurance provides medical treatment coverage and partial wage replacement for work-related injuries or illnesses. Benefits include rehabilitation services, temporary or permanent disability payments, and death benefits. The insurance protects employers from lawsuits while covering employees but not independent contractors.
Which workers' comp insurance company is best in Oklahoma?
The Hartford leads Oklahoma workers' compensation insurance with a 4.61 overall score, excelling in coverage options and consistent service. NEXT follows at 4.60, distinguished by top-tier customer service, while Simply Business (4.52) offers the most comprehensive coverage choices. Choose based on your priority: service quality, coverage breadth or overall value.
What happens if I don't have workers' comp insurance in Oklahoma?
Operating without workers' compensation insurance in Oklahoma can result in fines up to $1,000 per day and potential criminal charges. The Oklahoma Workers' Compensation Commission enforces compliance and can stop business operations. Employers without coverage must pay all employee medical expenses and lost wages out of pocket if workplace injuries occur.
Do sole proprietors need workers' comp insurance in Oklahoma?
Sole proprietors in Oklahoma are exempt from mandatory workers' compensation insurance since they are not considered employees. However, certain contractors and high-risk industries must carry coverage by law. Some sole proprietors opt to purchase policies voluntarily for financial protection against workplace injuries.
How do I choose the right workers' comp insurance company in Oklahoma?
Get quotes from at least three workers' comp insurance providers in Oklahoma to compare rates and coverage options. Select carriers with proven experience in your industry, particularly for high-risk fields. Review each company's claims handling efficiency, customer satisfaction scores and complaint records with the Oklahoma Insurance Department before making your decision.
How We Scored the Best Workers' Comp Insurance Companies in Oklahoma
- Affordability (50%): Cost drives every small business insurance decision in Oklahoma's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Oklahoma Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Oklahoma industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.