Business Insurance in Oklahoma

Families trust G&G because we are the only full-service agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.

Protect Your Company with Oklahoma’s Best Business Insurance!

Starting and owning a business can be such a thrill!  You get to create a name and brand, share it with the world, make the decisions, and build something from scratch. It can be so exciting, but it also can be stressful and overwhelming. What your family, friends, and customers don’t see are all of the sacrifices that are made and the hours that are spent working on the business. Contracts, expenses, inventory, there is always something to check and do.

And being properly insured is just one of those important considerations you have to make when owning a business. Without insurance, you risk losing everything you’ve created. But you’re already overwhelmed and stressed with all of the other decisions you have to make. 

That’s where we come in. G&G Independent Insurance works with busy business owners to help them find coverage that protects their company and assets while staying within their often tight budget. Shop your business policies with G&G to find the best coverage at the best price. Let us take the stress out of business insurance.

What Our Customers Say

Mica Schuler
2 months ago
I recently purchased a new home and needed to secure a home insurance policy. I reached out to G&G and was thoroughly impressed with the...
Jody Haley
4 months ago
Diego at G&G was the best! This was my first time shopping for homeowners insurance and he took the time to explain everything to me....
Macie Hendrix
2 months ago
My experience at G&G Insurance was amazing — all thanks to Phillip!!!! It was my first time buying renters insurance, and it was so easy!...

Types of Business Insurance in Oklahoma

Businesses come in all shapes, sizes, and types. And so does business insurance. Do you know what insurance options you need for your company? Check out a few of the policy types available in Oklahoma: 

Commercial Property Insurance

Commercial property insurance insures your physical building as well as any of the ‘property’ owned. This includes physical items such as valuable paperwork, hardware, and equipment, but also more abstract assets, like lost income from damage or interruptions. Commercial property insurance is the first line of protection against losses due to fires, vandalism, theft, and more. Learn more about obtaining commercial property insurance here!

Commercial Auto Insurance

In Oklahoma, any businesses that use vehicles in their operations must have commercial auto insurance coverage. Commercial auto insurance coverage is similar to personal auto insurance but is assessed differently. Note that if you use your vehicle for business purposes, you may not be covered under your personal auto insurance for any accidents that occur while driving for your business. Commercial auto insurance usually includes optional coverage for employees driving personal vehicles for business use as well. Visit our Commercial Auto Insurance page to learn more!

Commercial Umbrella Insurance

You’ve got your business insurance so everything should be good now, right? Well, maybe not. Sometimes a business’s losses are more than the coverage of their commercial insurance policy. This can result in devastating consequences for a business, especially small businesses that can’t afford to fight large lawsuits or cover other unexpected expenses. Commercial umbrella insurance is a catch-all to protect you where your regular coverage might not be enough. Contact G&G Insurance today to see if your small business could benefit from commercial umbrella insurance. 

For more on the types of business insurance services offered in Oklahoma by G&G Insurance, visit our Commercial Insurance page. To learn more about business insurance in Oklahoma, check out the Oklahoma Department of Insurance. 

What Business Insurance Do I Need in Oklahoma?

In Oklahoma, only one type of insurance is required for businesses. Any business with five or more employees (excepting contractors who are required with just one or more employees) must hold worker’s compensation insurance. Worker’s compensation must be paid by the employer, and no part is allowed to be covered by employees. Without worker’s compensation, your business may face state penalties and lose protections. 

Any company-owned vehicles are required to have commercial auto insurance. The minimums are $25,000 for property damage liability per accident, $25, 000 bodily injury liability per person, and $50,000 bodily injury liability per accident. Oklahoma also requires uninsured motorist coverage in case of an accident that is caused by an uninsured or unidentified driver.

It’s also recommended that you purchase commercial auto insurance if employees are driving personal vehicles for business use, as personal auto insurance often does not cover business use of a personal vehicle.

How Much Does Business Insurance Cost in Oklahoma?

Unfortunately, because there’s no one-size-fits-all insurance policy for businesses in Oklahoma, there’s no straight answer to how much business insurance will cost you. Costs vary based on the size of your company, the location, the scale, the products and services offered, and more. If you’re running a mom-and-pop bakery with a handful of employees, you can expect your insurance rates to be vastly different from a 200-room hotel across the state with a lively restaurant and bar attached. 

G&G Independent Insurance can help you discover rates that pertain to your particular business. With a vast network of companies to choose from, G&G will help you find affordable and quality coverage suited to your company’s needs

Why Choose G&G Independent Insurance?

G&G Independent Insurance is committed to customizing your business insurance to fit your particular company’s needs and services. We work with you to determine your required insurance needs and identify factors that may impact your rates and risk factors. We provide consulting and guidance through every step of the process.  

As an independent agency, G&G is not tied to any one insurance company. We’re able to give you an unbiased look at policies from over 50 different companies. Our insurance advisors are experienced with a variety of companies and are ready to help you find exactly what you’re looking for. For more information on G&G, visit our About Page!

Prefer to Speak to an Insurance Advisor?

We’re more than happy to talk to you one-on-one concerning all your questions about finding business insurance in Oklahoma.

Just Getting Started?

For more on starting and running a small business in Oklahoma, check out this resource dedicated to small business development.

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