The Hartford tops our rankings for general liability insurance in Oklahoma, delivering the best combination of affordable rates and reliable service. NEXT and Simply Business are excellent alternatives, both offering strong value and customer support.
General Liability Insurance in Oklahoma
The Hartford tops our rankings for general liability insurance in Oklahoma, with a score of 4.65 out of 5.
Explore low-cost general liability insurance in Oklahoma below.
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Updated: September 17, 2025
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Key Takeaways
The Hartford, NEXT and Simply Business are Oklahoma's leading providers of general liability insurance for businesses.
Your ideal general liability coverage in Oklahoma depends on your specific business type, operational scale, and financial parameters.
A thorough comparison of insurance quotes, provider stability ratings, and customer satisfaction scores helps secure reliable coverage for your Oklahoma business.
Best General Liability Insurance Companies in Oklahoma
| The Hartford | 4.65 | $85 |
| 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 are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage alone won't fully protect your Oklahoma business. Comprehensive protection requires multiple insurance types, so explore these additional resources:
Best Oklahoma Small Business Insurance Reviews
We analyzed Oklahoma's leading general liability insurance providers to show small business owners the specific advantages that set each company apart from competitors.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$85Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.2/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$97Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Oklahoma
Simply Business offers the most affordable general liability insurance in Oklahoma, with coverage starting at $80 monthly ($955 annually). The Hartford and Nationwide also provide competitive rates, giving budget-conscious small business owners solid alternatives.
| Simply Business | $80 | $955 |
| The Hartford | $85 | $1,019 |
| Nationwide | $92 | $1,099 |
| Progressive Commercial | $94 | $1,133 |
| 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 are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual 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.
Average Cost of General Liability Insurance in Oklahoma
General liability insurance in Oklahoma costs business owners an average of $98 monthly or $1,170 annually, slightly below the national average. Your actual premium varies based on your industry, business size and claims history. For instance, construction companies pay more than consulting firms.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary by industry type. Pressure washing businesses face the steepest monthly premiums at $863, while drone companies pay just $16 per month. The table below shows how rates differ across various business types.
| 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 are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual 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.
How Much General Liability Insurance Do I Need in Oklahoma?
Oklahoma does not require most businesses to carry general liability insurance at the state level. Operating without coverage won't trigger statewide penalties or fines.
Certain licensed trades must carry specific coverage to keep their professional licenses active:
Electricians
Oklahoma requires licensed electricians to carry general liability insurance with minimum limits of $300,000 per occurrence and $600,000 annual aggregate. Completed operations coverage must be included.
Electrical Sign Contractors
Electrical sign contractors in Oklahoma must maintain the same coverage as electricians, with $300,000 per occurrence and $600,000 annual aggregate limits, including completed operations coverage.
HVAC Contractors
Oklahoma HVAC residential contractors need $300,000 per occurrence and $600,000 annual aggregate, while commercial contractors must carry $500,000 per occurrence and $1,000,000 annual aggregate.
Fire Safety Companies
Fire safety companies must carry general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 annual aggregate to maintain their Oklahoma state registration.
General liability insurance becomes important regardless of legal requirements. Most commercial property owners demand proof of coverage before approving lease agreements. Large corporations and government contracts require valid insurance certificates from all contractors.
How to Choose the Best General Liability Insurance in Oklahoma
Choosing general liability insurance in Oklahoma means finding the right balance between the protection your business needs and what you can afford.
- 1
Determine your coverage needs
Research Oklahoma's licensing requirements for your specific industry first. Many clients demand $1 million in coverage even when state minimums are lower.
- 2
Prepare your business information
Gather accurate details about your annual revenue, employee count, business type and location. Insurers use this information to calculate premiums.
- 3
Collect multiple insurance quotes
Always compare at least three quotes since pricing differs.
- 4
Examine policy terms carefully
Don't focus solely on premium costs when comparing options. Some policies cover legal defense expenses in addition to your coverage limit.
- 5
Verify insurer and agent credentials
Use Oklahoma's insurance department website to confirm proper licensing and check complaint records. Review AM Best financial ratings.
- 6
Inquire about available discounts
Ask about savings opportunities like bundling multiple policies, implementing safety programs or maintaining a clean claims history.
- 7
Obtain your insurance certificate
Request your certificate of insurance after purchasing coverage.
How to Prevent General Liability Claims in Oklahoma
Business owners never want to handle liability claims, but Oklahoma entrepreneurs can prevent most issues with smart preparation and proactive planning.
Watch out for property hazards
Oklahoma businesses face risks from severe weather including tornadoes, ice storms and hail that create dangerous conditions. Regularly inspect areas for storm damage, ice buildup and debris that could cause slips and falls. Install proper drainage systems and maintain adequate lighting.
Train your people well
Prepare employees for Oklahoma's challenging weather conditions by teaching proper safety protocols for ice, wind and storm cleanup procedures. Conduct seasonal training sessions and emergency response specific to severe weather events
Keep good records
Document all business activities with detailed photos, contracts and incident reports that meet Oklahoma's legal standards.
Get everything in writing
Create detailed contracts that specify work scope, safety responsibilities and weather-related contingencies common in Oklahoma business operations.
Fix problems fast
Respond to customer complaints and safety concerns within 24 hours to prevent minor issues from becoming major claims.
General Liability Insurance in Oklahoma: Bottom Line
Securing quality general liability insurance in Oklahoma requires matching coverage to your specific business needs and evaluating top providers. The Hartford, NEXT, and Simply Business lead the market.
Commercial General Liability Insurance in Oklahoma: FAQ
Our research team analyzed common general liability insurance questions from business owners across Oklahoma to provide you with clear, actionable answers.
What does general liability insurance cover for Oklahoma businesses?
General liability insurance covers third-party bodily injuries, property damage you cause to others, and legal defense costs.
How much does general liability insurance cost in Oklahoma?
Small businesses in Oklahoma can expect monthly general liability insurance premiums ranging from $80 to $112. Simply Business offers the most affordable coverage at $80 monthly, with The Hartford ($85) and Nationwide ($92) providing competitive alternatives.
Do Oklahoma businesses legally need general liability insurance?
Oklahoma does not mandate general liability insurance for most businesses, but municipalities may impose their own requirements. Licensed professionals like contractors and electricians often need specific coverage amounts.
Which company offers the best general liability insurance in Oklahoma?
The Hartford leads Oklahoma's general liability insurance market, earning top rankings for affordability at $85 monthly and good financial stability.
What coverage limits should Oklahoma businesses choose?
Oklahoma businesses should first verify any minimum coverage requirements mandated by their industry licensing. The standard choice for most small businesses is $1 million per occurrence paired with $2 million aggregate coverage.
How can Oklahoma businesses prevent general liability claims?
Oklahoma businesses can reduce liability claims by repairing property hazards and having comprehensive employee safety training programs.
Can Oklahoma businesses get discounts on general liability insurance?
Yes, Oklahoma businesses can get reduced rates for bundling general liability with commercial property insurance, maintaining excellent safety records and completing recognized training programs.
How quickly can Oklahoma businesses get general liability coverage?
Oklahoma businesses can obtain general liability coverage rapidly through digital platforms.
What should Oklahoma businesses do when filing a general liability claim?
Oklahoma businesses must report incidents to their insurance carrier immediately. Document everything thoroughly.
How does general liability differ from professional liability coverage?
General liability insurance protects businesses from third-party bodily injuries and property damage occurring during operations, such as customer falls or accidental damage to client property. Professional liability coverage addresses errors in services provided, like missed deadlines or faulty advice causing financial harm.
How We Scored the Best General Liability Insurance Companies in Oklahoma
Oklahoma business owners encounter specific liability challenges, including weather-related incidents and workplace injuries across diverse industries. Our analysis focused on general liability providers that deliver comprehensive protection without straining tight business budgets.
What We Evaluated
- Affordability (50%): Cost remains the primary concern for Oklahoma small businesses operating with limited cash flow. We analyzed premium rates across carriers because reasonable pricing determines whether businesses can maintain important coverage.
- Customer experience (30%): Effective claims processing becomes critical when accidents occur. Our evaluation included J.D. Power ratings, Oklahoma state complaint data, and independent agency feedback to assess how insurers treat policyholders during claim situations.
- Coverage options (15%): Oklahoma businesses span multiple industries, each facing different liability exposures. We examined how insurers customize general liability policies for various business types, from retail shops to construction companies.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We verified AM Best ratings and reviewed financial reports to confirm each company maintains the stability needed to honor policy obligations.
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.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed September 18, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed September 18, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 18, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 18, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 18, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 18, 2025.