Getting the best business insurance for your Oklahoma business starts with understanding your options. Our FAQ section provides clear answers about general liability insurance based on MoneyGeek's detailed research and analysis:
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: November 24, 2025
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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. 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
- 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 is our top choice for general liability insurance in Oklahoma, offering excellent affordability and strong financial stability. NEXT performs well with outstanding customer service, while Simply Business delivers comprehensive coverage options for small businesses. Together, these three providers give Oklahoma business owners solid options for protecting their operations.
| The Hartford | 4.65 | $85 |
| NEXT Insurance | 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
Select your industry and state to get a customized Oklahoma general liability insurance quote.
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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
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 |
| NEXT Insurance | $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:
- 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:
Select
| Accountants | Simply Business | $12 | $143 |
| Ad Agency | Thimble | $94 | $1,130 |
| Automotive | Coverdash | $104 | $1,252 |
| Auto Repair | Coverdash | $109 | $1,309 |
| Beauty Salon | Progressive Commercial | $106 | $1,277 |
| Bakery | Progressive Commercial | $84 | $1,005 |
| Barber | Thimble | $93 | $1,116 |
| Bounce House | biBERK | $55 | $661 |
| Cannabis | NEXT Insurance | $52 | $619 |
| Candle | NEXT Insurance | $33 | $393 |
| Catering | biBERK | $161 | $1,935 |
| Cleaning | Simply Business | $89 | $1,071 |
| Consulting | Simply Business | $12 | $143 |
| Coffee Shop | Thimble | $88 | $1,060 |
| Computer Programming | Thimble | $93 | $1,116 |
| Computer Repair | NEXT Insurance | $36 | $428 |
| Construction | Thimble | $126 | $1,512 |
| Contractor | biBERK | $193 | $2,320 |
| Daycare | NEXT Insurance | $25 | $301 |
| Courier | Simply Business | $155 | $1,857 |
| DJ | Simply Business | $10 | $115 |
| Dental | NEXT Insurance | $12 | $143 |
| Drone | biBERK | $13 | $153 |
| Dog Grooming | Thimble | $34 | $408 |
| Engineering | biBERK | $16 | $191 |
| Ecommerce | Hiscox | $94 | $1,129 |
| Electrical | The Hartford | $88 | $1,055 |
| Excavation | biBERK | $351 | $4,215 |
| Florist | Simply Business | $26 | $307 |
| Funeral Home | NEXT Insurance | $42 | $502 |
| Food | The Hartford | $85 | $1,015 |
| Food Truck | The Hartford | $115 | $1,378 |
| Gardening | The Hartford | $85 | $1,020 |
| Home-based | Simply Business | $15 | $175 |
| Handyman | biBERK | $165 | $1,985 |
| Home-based | NEXT Insurance | $43 | $521 |
| Hospitality | biBERK | $133 | $1,591 |
| Jewelry | Simply Business | $14 | $172 |
| HVAC | Thimble | $102 | $1,223 |
| Janitorial | Simply Business | $99 | $1,190 |
| Junk Removal | NEXT Insurance | $124 | $1,484 |
| Lawn/Landscaping | Progressive Commercial | $90 | $1,082 |
| Lawyers | Simply Business | $12 | $143 |
| Massage | Hiscox | $87 | $1,046 |
| Manufacturing | NEXT Insurance | $20 | $238 |
| Marine | Simply Business | $23 | $273 |
| Nonprofit | biBERK | $25 | $299 |
| Mortgage Broker | NEXT Insurance | $15 | $180 |
| Moving | NEXT Insurance | $93 | $1,120 |
| Painting | The Hartford | $115 | $1,377 |
| Party Rental | Chubb | $90 | $1,078 |
| Personal Training | Simply Business | $17 | $200 |
| Pest Control | NEXT Insurance | $25 | $295 |
| Pharmacy | biBERK | $96 | $1,146 |
| Pet | Thimble | $34 | $408 |
| Photography | NEXT Insurance | $13 | $151 |
| Physical Therapy | NEXT Insurance | $22 | $263 |
| Restaurant | Coverdash | $94 | $1,125 |
| Plumbing | Simply Business | $225 | $2,705 |
| Pressure Washing | Progressive Commercial | $839 | $10,073 |
| Real Estate | NEXT Insurance | $21 | $254 |
| Roofing | Thimble | $196 | $2,353 |
| Retail | Progressive Commercial | $87 | $1,039 |
| Security | NEXT Insurance | $108 | $1,291 |
| Software | Simply Business | $12 | $143 |
| Snack Bars | The Hartford | $93 | $1,115 |
| Spa/Wellness | The Hartford | $85 | $1,022 |
| Startup | Simply Business | $12 | $143 |
| Speech Therapist | Simply Business | $17 | $200 |
| Travel | NEXT Insurance | $15 | $180 |
| Tech/IT | NEXT Insurance | $15 | $180 |
| Transportation | NEXT Insurance | $31 | $367 |
| Tree Service | NEXT Insurance | $99 | $1,189 |
| Tutoring | Thimble | $93 | $1,116 |
| Trucking | The Hartford | $84 | $1,005 |
| Veterinary | biBERK | $24 | $282 |
| Wedding Planning | NEXT Insurance | $11 | $137 |
| Welding | NEXT Insurance | $131 | $1,573 |
| Wholesale | Coverdash | $32 | $383 |
| Window Cleaning | Simply Business | $112 | $1,338 |
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 limit frivolous lawsuits, forum shopping, and joint liability exposure. Defendants found less than 50% liable pay only their assigned percentage. The state's modified comparative negligence law bars plaintiffs more than 50% at fault from recovering damages, reducing claim frequency and severity. Proposed 2025 legislation would cap non-economic damages at $500,000, helping insurers predict maximum exposure and stabilize premiums.
Oklahoma Litigation Climate
Oklahoma ranks first nationally for medical negligence claims per capita, signaling broader willingness to pursue legal action. This heightened liability environment costs Oklahoma $3.7 billion in gross product annually and almost 32,000 jobs. The claims-heavy atmosphere increases legal defense costs, claim frequency, and jury verdict amounts. Insurers factor this litigation-prone environment into pricing. Oklahoma businesses pay higher premiums regardless of individual safety records.
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
Choosing general liability insurance in Oklahoma requires understanding your business risks and comparing coverage options from multiple providers. Getting business insurance starts with evaluating your specific needs, then requesting quotes that match your industry, location and budget constraints.
- 1Determine Coverage Needs
Oklahoma doesn’t require general liability insurance for most businesses, but restaurants, bars and caterers serving alcohol must carry coverage to secure 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 choose standard limits of $1 million per occurrence and $2 million aggregate, with contracts and local ordinances often guiding the level of business insurance coverage you need.
- 2Prepare Business Information
Gather your business information including annual revenue, payroll totals and physical address for accurate quotes. You'll find that premiums depend on factors like your gross sales, employee count, square footage and industry classification codes. Have your EIN, business registration and tax documents ready, as specialty contractors (electrical, plumbing, mechanical) need additional state licensing through the Oklahoma Construction Industries Board.
- 3Compare Multiple Quotes
Request quotes from at least three Oklahoma-licensed insurers to evaluate business insurance costs. Most small businesses in Oklahoma pay around $97 per month for general liability insurance, though rates range from $16 to $863 monthly depending on your industry. When comparing quotes, evaluate deductibles, aggregate limits and whether defense costs count toward or remain separate from policy limits.
- 4Look Beyond Price
Affordable business insurance matters, but you should examine exclusions and understand defense cost structures for better long-term protection. Common exclusions like professional errors, pollution damage and employee injuries require separate policies. Verify whether your legal defense expenses count toward policy limits or receive separate coverage to avoid unexpected gaps when filing claims.
- 5Verify Insurer Credentials
Check insurer legitimacy through the Oklahoma Insurance Department and review AM Best financial strength ratings. Research complaint ratios through the National Association of Insurance Commissioners to identify companies with poor claims-handling histories. Strong insurer financial backing remains crucial for large claims, especially as Oklahoma businesses benefit from the state's improved workers' compensation costs (down 71% since 2011).
- 6Ask About Discounts
You can often secure discounts for bundling policies, implementing safety programs and maintaining claims-free records. Combining general liability with commercial auto or property coverage may reduce premiums according to MoneyGeek's analysis. Installing safety systems, completing employee training through programs like the Oklahoma Department of Labor Safety Pays consultation service, or paying annually instead of monthly can also lower costs.
- 7Obtain Coverage Certificate
Request a certificate of insurance proving your coverage for Oklahoma clients, landlords and contractors who require documentation. Most insurers provide digital certificates instantly, though some take up to 48 hours for processing. Keep your agent's contact information accessible, as Oklahoma City contractors and restaurants needing liquor licenses must provide proof of coverage before receiving permits or starting work.
- 8Review Coverage Annually
Reassess your coverage each year, especially after hiring employees, expanding services or increasing revenue. Request new quotes 60 to 90 days before renewal to compare rates or adjust limits based on business changes.
Annual reviews help you maintain compliance with Oklahoma City ordinances and avoid unexpected audit adjustments that could create costly surprises for your business.
Top General Liability Insurance in Oklahoma: Bottom Line
Finding the right general liability insurance in Oklahoma starts with understanding your specific business needs and comparing providers carefully. The Hartford, NEXT and Simply Business are strong options, but your ideal choice depends on your industry, company size and budget. Get multiple quotes and verify each insurer's credentials before making your final decision.
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!
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 December 17, 2025.
- National Weather Service. "2024 Oklahoma Tornadoes." Accessed December 17, 2025.
- National Weather Service. "Oklahoma Tornado Information." Accessed December 17, 2025.
- Oklahoma Business Voice. "Legal Reforms Now Oklahoma Law, Gov. Stitt Says Good for Business." Accessed December 17, 2025.
- Oklahoma Senate. "Senate Judiciary Committee Advances Four Key Tort Reform Bills." Accessed December 17, 2025.
- Oklahoma Statutes. "Title 23, Section 23-13: Comparative Negligence." Accessed December 17, 2025.
- U.S. Chamber of Commerce. "Oklahoma Legal Reform Advances with Key Bills Progressing." Accessed December 17, 2025.
- Visit Oklahoma City. "Visit OKC Reports Record Economic Impact." Accessed December 17, 2025.