Best Small Business Insurance in Oklahoma

The Hartford ranks first among Oklahoma small business insurance providers at $83 monthly ($1,001 annually). Founded in 1810 with an A+ AM Best rating, it combines financial strength with top-ranked claims support. Best for Oklahoma businesses in construction, agriculture and oil and gas wanting low rates without sacrificing help when severe weather or workplace accidents occur.

The Hartford ranks first among Oklahoma small business insurance providers at $83 monthly ($1,001 annually). Founded in 1810 with an A+ AM Best rating, it combines financial strength with top-ranked claims support. Best for Oklahoma businesses in construction, agriculture and oil and gas wanting low rates without sacrificing help when severe weather or workplace accidents occur.

The Hartford ranks first nationally for claims processing and customer service—important when Oklahoma's tornados and hailstorms damage property or force closures. Customers rate claims handling at 4.5 out of 5. Digital experience ranks 10th nationally, so Oklahoma business owners get stronger phone support than online tools when filing claims or requesting certificates of insurance.

The Hartford covers over 60 industries in Oklahoma including oil and gas contractors, agricultural businesses, construction trades and hospitality. General liability limits range from $300,000 to $2 million. Employment practices liability automatically includes wage and hour defense costs—valuable when hiring your first Oklahoma employees or expanding your team beyond contractors.

NEXT ranks second among Oklahoma small business insurance providers at $94 monthly ($1,132 annually), earning top marks for customer service and digital experience. Founded in 2016 with an A- AM Best rating, it provides instant quotes and same-day coverage through its online platform. Best for Oklahoma contractors and mobile service businesses needing fast certificates over traditional agent support.

NEXT averages $94 monthly ($1,132 annually), ranking fourth among Oklahoma providers. Workers' comp costs $65 monthly. That the lowest in Oklahoma and valuable for construction and trades businesses managing first-employee requirements. Professional liability runs $69, below state averages. BOPs cost $146 monthly, about $8 above average, so compare quotes if bundling coverage.

NEXT ranks first nationally for customer service and digital experience, which is important when Oklahoma contractors need certificates fast for job sites or client contracts. Customers rate satisfaction at 4.4 out of 5, with instant COI generation through the mobile app. Claims processing ranks fourth, so expect stronger support for certificates than complex damage claims.

NEXT covers over 1,300 Oklahoma business types including construction, oil and gas contractors, HVAC, plumbing and professional services. Coverage types include general liability, professional liability, workers' comp and commercial auto with $1 million aggregate limits. Unlimited additional insureds on certificates cost nothing, helpful when Oklahoma general contractors or landlords require proof before you start work.

Simply Business ranks third among Oklahoma small business insurance providers at $84 monthly ($1,011 annually), leading in coverage breadth through its multi-carrier marketplace. Since launching U.S. operations in 2017, it connects Oklahoma businesses from Tulsa retailers to Oklahoma City contractors with 20+ carriers in under 10 minutes. Best for Oklahoma e-commerce sellers and businesses wanting diverse options without agent meetings.

Simply Business offers competitive pricing at $84 monthly ($1,011 annually), ranking fourth among Oklahoma providers. General liability costs $80 monthly (lowest in Oklahoma and $18 below the state average) valuable for contractors bidding jobs. Workers' comp runs $66 and BOPs $119, both beating state averages. This multi-carrier approach helps Oklahoma businesses compare options across insurers.

Simply Business excels at digital experience, ranking third nationally with 4.6 stars on Trustpilot from over 1,400 reviews, which is helpful when Oklahoma contractors need quotes fast for project bids. Customer service ranks sixth and claims processing eighth because you're dealing with multiple carriers. Simply Business handles shopping while your actual carrier provides support and processes tornado or hail damage claims.

Simply Business provides access to policies from over 20 carriers including Travelers, Hiscox and CNA, earning its top-ranking coverage score in Oklahoma. It serves Oklahoma's diverse industries, such as construction, HVAC, plumbing, hospitality, retail and e-commerce, through its multi-carrier marketplace. Amazon chose it for its Insurance Accelerator Program, offering online sellers product liability and certificates formatted for Amazon's requirements.