NEXT offers Oklahoma’s best general liability insurance in MoneyGeek’s analysis, with a score of 90 out of 100. However, The Hartford, Hiscox and Thimble are also great options for general liability policies.
Best General Liability Insurance in Oklahoma
Updated: June 20, 2025
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Key Takeaways
Due to its balance of affordable rates and strong customer service, NEXT is the top overall general liability insurance provider for LLCs in Oklahoma.
The cheapest general liability insurance for sole proprietors in Oklahoma is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $29 a month.
General liability insurance costs in Oklahoma depend on your industry, and we found they can range from $29 to $2,075 per month on average.
Best Cheap General Liability Insurance in Oklahoma
| NEXT | 90 | $27 | $29 |
| The Hartford | 90 | $33 | $48 |
| Hiscox | 81 | $32 | $63 |
| Thimble | 81 | $24 | $68 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
NEXT: Best Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT is the best provider in Oklahoma for general liability insurance, along with offering the best rates for LLCs in the state at $29 monthly. It's also the second most affordable company for sole proprietors. While the insurer's claims performance trails regional competitors we've reviewed, customers appreciate the efficient enrollment platform and instant insurance documentation.
Thimble: Cheapest Overall
pros
Flexible coverage options
Fast online process
Affordable pricing
cons
Third-party claims handling
COMPANY HIGHLIGHTS
Thimble is the most affordable overall option for general liability insurance in Oklahoma, with the best rates for sole proprietors in the state at $24 per month or $288 annually. It's also a great option due to its flexible coverage options and a simple online process.
How Much Is General Liability Insurance in Oklahoma?
An average general liability insurance policy in Oklahoma typically costs around $29 per month for sole proprietors and $52 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $1,661 | $69 |
| General Contractor | $2,075 | $148 |
| Software Development | $52 | $29 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Oklahoma
General liability insurance costs can fluctuate based on a number of different factors in Oklahoma. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits can greatly influence insurance premiums. Opting for higher limits leads to increased costs, while selecting lower limits generally results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses can expect increased general liability insurance costs. Our examination of LLCs and sole proprietorships confirms this pattern.
Business location
Where your business is located can significantly affect your insurance costs. It's important to note that average rates can vary within the state, so consider these differences when assessing your coverage needs.
Claims history
A history of multiple claims can make a business seem riskier to insurers, leading to higher premiums.
Industry
Industries with higher risks, like construction, usually face more expensive general liability insurance costs.
Oklahoma General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Oklahoma, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find out your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your business
Research average costs for your specific business to understand how good of a deal you're receiving from insurance companies. Knowing average expenses will give you insight into if a company is going to save you money.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than resources online. You'll likely be able to get recommendations that are better for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Comparing multiple companies is a way to judge which option is best for your business. Choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing and provide more opportunities to get advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Oklahoma?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses, like those in health services, building, and stores, often face more risks. This means they might need to pay more for general liability insurance. If your company is in one of these areas, think about getting more insurance to cover you. Bigger companies, or those with many workers or customers, should also check how much risk they have, as they may need more insurance.
Best General Liability Insurance in Oklahoma: Bottom Line
Overall the best general liability insurance companies in Oklahoma are NEXT, The Hartford, Hiscox, and Thimble. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Oklahoma: FAQ
Below, we address frequently asked questions regarding general liability insurance in Oklahoma:
Which company has the best general liability insurance in Oklahoma?
MoneyGeek's best for general liability insurance in Oklahoma is NEXT, which earned an overall score of 90 out of 100. NEXT ties with The Hartford for the highest score but offers better rates for LLCs. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Oklahoma?
For sole proprietors, Thimble offers the cheapest general liability insurance in Oklahoma at $24 per month ($288 annually). For LLCs, NEXT provides the most affordable coverage at $29 per month ($348 annually).
Does Oklahoma require businesses to have general liability insurance?
In Oklahoma, while general liability insurance isn't compulsory, it’s prudent to acquire it to protect your enterprise from possible financial repercussions due to third-party claims.
How We Chose the Best General Liability Insurance Providers in Oklahoma
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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.