ERGO NEXT ranks first for professional liability insurance in Oklahoma, offering competitive rates, highly rated customer service and an easy-to-use digital platform. The Hartford is the cheapest professional indemnity insurer in Oklahoma at $67 per month, saving businesses $6 per month compared to the state average. Simply Business, Coverdash and biBerk also earned strong rankings as top errors and omissions insurance providers.
Best Professional Liability Insurance in Oklahoma
Get OK professional liability insurance quotes starting at $24 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: February 1, 2026
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Professional Liability Insurance in Oklahoma: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Oklahoma, while The Hartford offers the most affordable coverage starting at $67 monthly (Read More).
Professional liability insurance costs an average of $73 monthly or $877 annually in Oklahoma, placing the state among the more affordable options nationwide (Read More).
This professional liability insurance protects Oklahoma businesses from financial losses due to professional errors, negligence claims and missed deadlines (Read More).
Oklahoma businesses choose professional liability insurance voluntarily, though health care professionals and other regulated industries face mandatory coverage requirements (Read More).
Getting multiple small business insurance quotes allows Oklahoma entrepreneurs to evaluate different coverage levels and find the most suitable professional liability protection (Read More).
Best Professional Liability Insurance Companies in Oklahoma
| ERGO NEXT | 4.70 | $69 |
| The Hartford | 4.62 | $67 |
| Simply Business | 4.50 | $72 |
| Coverdash | 4.43 | $74 |
| biBERK | 4.41 | $75 |
| Progressive Commercial | 4.38 | $71 |
| Hiscox | 4.35 | $73 |
| Chubb | 4.26 | $84 |
| Thimble | 4.20 | $73 |
How Did We Determine the Best Professional Liability Insurance in Oklahoma?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN OKLAHOMA
Professional liability insurance in Oklahoma is just one piece of comprehensive business protection. Explore these additional state-specific guides to build complete coverage for your company:
1. ERGO NEXT: Best Professional Liability Insurance in OK
pros
Best overall professional liability insurance in MoneyGeek's Oklahoma study
Fastest policy purchase process with coverage in 10 minutes
Highest customer service ratings among providers we analyzed
Industry-leading mobile app simplifies certificate access and policy changes
Personalized coverage matching for both types and limit amounts
cons
Less than 10 years in business
Claims process slower than top three competitors
COMPANY HIGHLIGHTS
Oklahoma business owners choose ERGO NEXT because it saves time and money without sacrificing coverage quality. Tulsa consultants and Oklahoma City freelancers pay $69 monthly while securing coverage in under 10 minutes from their phone without agent calls or paperwork delays. You'll manage your entire policy from ERGO NEXT's mobile app, accessing certificates instantly when clients request proof of insurance and making policy changes without phone calls or waiting on hold.
2. The Hartford: Cheapest Professional Liability Insurance in OK
pros
Lowest professional liability rates in Oklahoma at $67 monthly
Fastest claims resolution gets your money when you need it
Highest customer satisfaction scores among providers we studied
Industry-specific policies for tech, legal and medical professionals
cons
Digital experience ranks 10th among competitors we analyzed
Not available in Alaska and Hawaii
COMPANY HIGHLIGHTS
The Hartford saves Oklahoma business owners $6 monthly ($67 annually) while ensuring claims get paid quickly when you need the money most. Norman consultants and Tulsa lawyers choose The Hartford because claims get resolved faster than with competitors, and its A++ financial rating means your claim gets paid even during industry downturns. High-risk professionals avoid coverage gaps with industry-specific policies that understand your unique risks, whether you're defending against malpractice suits or tech errors and omissions claims.
3. Simply Business: Best Professional Liability Insurance Coverage Options in OK
pros
Widest coverage selection with access to 16+ specialized carriers
Secures policies for hard-to-insure businesses other insurers reject
Compare multiple quotes in 10 minutes without calling insurers
Backed by Travelers' A++ Superior financial strength rating
cons
Higher premiums than direct insurers in MoneyGeek's study
Claims process ranks eighth with slower resolution times
COMPANY HIGHLIGHTS
Simply Business solves coverage problems other Oklahoma insurers can't. Edmond tech startups and Oklahoma City contractors with unique risks get approved for specialized policies when direct insurers turn them away, avoiding the expensive mistake of operating without proper coverage. You'll compare quotes from multiple insurers in one application instead of calling each company separately. You get matched to carriers that actually want your specific business type rather than settling for generic coverage that leaves expensive gaps.
Average Cost of Professional Liability Insurance in Oklahoma
Professional liability insurance costs in Oklahoma vary by industry. Home-based businesses pay the most affordable rates at around $35 per month, while mortgage brokers face the highest costs at approximately $161 per month. Use the filtering tool below to find specific pricing for your industry and get accurate rates for your business type.
Data filtered by:
Select
| Accountants | $140 | $1,676 |
| Ad Agency | $101 | $1,213 |
| Auto Repair | $77 | $927 |
| Automotive | $69 | $829 |
| Bakery | $50 | $595 |
| Barber | $40 | $485 |
| Beauty Salon | $46 | $546 |
| Bounce House | $56 | $667 |
| Candle | $40 | $476 |
| Cannabis | $114 | $1,373 |
| Catering | $73 | $877 |
| Cleaning | $51 | $617 |
| Coffee Shop | $57 | $687 |
| Computer Programming | $101 | $1,207 |
| Computer Repair | $58 | $693 |
| Construction | $72 | $866 |
| Consulting | $101 | $1,215 |
| Contractor | $61 | $726 |
| Courier | $48 | $573 |
| DJ | $43 | $521 |
| Daycare | $101 | $1,217 |
| Dental | $81 | $972 |
| Dog Grooming | $52 | $621 |
| Drone | $100 | $1,204 |
| Ecommerce | $57 | $681 |
| Electrical | $62 | $738 |
| Engineering | $96 | $1,153 |
| Excavation | $63 | $757 |
| Florist | $36 | $429 |
| Food | $100 | $1,199 |
| Food Truck | $55 | $665 |
| Funeral Home | $75 | $897 |
| Gardening | $38 | $454 |
| HVAC | $76 | $910 |
| Handyman | $51 | $611 |
| Home-based business | $35 | $416 |
| Hospitality | $69 | $828 |
| Janitorial | $47 | $563 |
| Jewelry | $56 | $668 |
| Junk Removal | $64 | $768 |
| Lawn/Landscaping | $47 | $569 |
| Lawyers | $138 | $1,658 |
| Manufacturing | $55 | $665 |
| Marine | $83 | $995 |
| Massage | $100 | $1,203 |
| Mortgage Broker | $161 | $1,932 |
| Moving | $76 | $913 |
| Nonprofit | $48 | $572 |
| Painting | $59 | $713 |
| Party Rental | $52 | $620 |
| Personal Training | $66 | $787 |
| Pest Control | $89 | $1,064 |
| Pet | $43 | $517 |
| Pharmacy | $54 | $654 |
| Photography | $60 | $720 |
| Physical Therapy | $88 | $1,057 |
| Plumbing | $83 | $1,001 |
| Pressure Washing | $54 | $648 |
| Real Estate | $119 | $1,430 |
| Restaurant | $76 | $911 |
| Retail | $51 | $618 |
| Roofing | $92 | $1,105 |
| Security | $93 | $1,113 |
| Snack Bars | $44 | $533 |
| Software | $88 | $1,058 |
| Spa/Wellness | $103 | $1,236 |
| Speech Therapist | $93 | $1,120 |
| Startup | $67 | $809 |
| Tech/IT | $91 | $1,091 |
| Transportation | $91 | $1,087 |
| Travel | $93 | $1,114 |
| Tree Service | $72 | $859 |
| Trucking | $107 | $1,285 |
| Tutoring | $58 | $699 |
| Veterinary | $106 | $1,273 |
| Wedding Planning | $72 | $869 |
| Welding | $71 | $858 |
| Wholesale | $59 | $708 |
| Window Cleaning | $58 | $698 |
How Did We Determine These Oklahoma Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Oklahoma Professional Liability Insurance Cover?
Professional liability insurance in Oklahoma protects your business when clients claim you made mistakes or failed to deliver promised services. Professional liability insurance covers the costs of defending these claims and any damages you might owe. The policy also pays for attorney fees and court costs that can quickly add up during legal disputes.
This coverage goes by several names in the insurance world:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Oklahoma?
Oklahoma doesn't require most businesses to carry professional liability insurance. Standard coverage of $1 million per occurrence and $2 million aggregate meets typical client contract requirements and protects you against negligence claims. Medical professionals need higher limits at $1 million per occurrence and $3 million aggregate, which most Oklahoma hospitals require before granting admitting privileges.
Who Needs Professional Liability Insurance in Oklahoma?
If you handle client contracts or provide professional services where negligence claims may occur, you should consider professional liability insurance in Oklahoma. Oklahoma businesses in the following industries carry liability exposure and need errors and omissions coverage.
Energy and engineering consultants
Oklahoma ranks second nationally in oil and gas production, creating high demand for engineering consultants who advise on exploration, production and regulatory compliance. These professionals need professional liability insurance because errors in technical recommendations or regulatory filings can result in costly production delays, environmental violations or equipment failures for energy clients.
Aerospace and defense contractors
Oklahoma's aerospace sector is the state's second-largest and fastest-growing industry with more than 290 firms concentrated in Oklahoma City and Tulsa. Aerospace contractors and engineers need professional liability insurance to protect against claims from design defects, manufacturing errors, missed contract specifications or failures that compromise aircraft safety and performance.
Construction and contractor professionals
Oklahoma saw $7.9 billion in construction capital investment in 2024, with Oklahoma City requiring contractors to carry $50,000 in general liability insurance before pulling permits. Contractors need professional liability insurance to protect against claims related to project delays, design errors, cost overruns or failure to meet contractual obligations on commercial and residential projects.
Medical professionals
Oklahoma's health care sector generates $4.1 billion annually, with major medical centers in Oklahoma City, Tulsa and Norman. Most Oklahoma hospitals require physicians to carry $1 million per occurrence and $3 million aggregate malpractice insurance before granting admitting privileges, making this coverage essential for practicing medicine in the state.
Financial and accounting professionals
With 371,000 small businesses employing over half of Oklahoma's workforce, demand for accounting and financial advisory services brings substantial liability exposure. CPAs and financial advisors need accountants' professional liability insurance to protect against claims from audit errors, tax filing mistakes or incorrect financial advice that causes client losses.
Tech professionals
Oklahoma's emerging technology sector, including data centers and software development firms in Oklahoma City and Tulsa, creates unique liability risks for IT consultants and developers. Tech E&O insurance protects these professionals against claims from data breaches, software failures, missed project deadlines or errors that cause client financial losses.
How to Get the Best Professional Liability Insurance in Oklahoma
Our step-by-step guide walks you through getting business insurance in Oklahoma that matches your professional liability insurance needs and budget. Follow these six steps to secure coverage that protects your business.
- 1
Assess your professional liability insurance coverage needs
Start by evaluating your specific risks based on Oklahoma's dominant industries and client contract requirements you must meet. An Oklahoma City petroleum engineer advising on oil and gas projects needs higher limits and specialized coverage compared to a Tulsa web designer serving local retail clients.
- 2
Work with a local agent
Find an agent who knows Oklahoma's insurance requirements and understands how business insurance costs vary across the state's diverse economy. Local agents can explain whether your Norman health care consultant practice carries different liability exposures than aerospace contractors in Oklahoma City's defense industry hub.
- 3
Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and critical policy details like prior acts coverage and aggregate limits. An Edmond financial advisor should examine whether policies cover Oklahoma's specific securities regulations and what exclusions apply, not just compare monthly premiums.
- 4
Research the best providers
When researching professional liability insurance in Oklahoma, prioritize insurers with strong AM Best ratings and proven experience handling claims in your industry. Check the Oklahoma Insurance Department's complaint database and read reviews from other energy consultants, health care providers or contractors in your specific field.
- 5
Consider bundling discounts
Oklahoma insurers offer 10% to 25% discounts when you bundle professional liability with general liability or business owner policies. A Tulsa engineering firm working on Oklahoma's $7.9 billion construction projects can save $200 monthly by combining its errors and omissions coverage with types of business insurance like commercial auto and workers' comp.
- 6
Don't let your coverage lapse
Professional liability policies in Oklahoma protect you only from lawsuits filed while your coverage's active, even for work completed years earlier. A Broken Arrow IT consultant switching from claims-made to occurrence coverage should purchase tail coverage (extended reporting coverage) to protect against claims from previous data center projects.
Get Oklahoma Professional Liability Insurance Quotes
MoneyGeek connects Oklahoma business owners with professional liability insurance providers that specialize in their industry. Use our matching tool below to find your best coverage options and receive customized quotes for your business.
Get Matched to the Best OK Professional Liability Insurer for You
Select your industry and state to get a customized OK professional liability insurer match and get tailored quotes.
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Oklahoma Professional Liability: Bottom Line
Finding the right professional liability insurance in Oklahoma comes down to understanding your business risks and working with the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget should guide your final decision. Start by assessing your needs, then let a local agent help you compare options and secure coverage that financially protects your business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.