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Comprehensive Business Insurance Solutions Across Oklahoma

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What is business insurance?

Running a business comes with countless decisions and plenty of unknowns. What if a product is damaged or lost in transit? What if a customer is injured by something you’ve sold? What happens if an employee gets hurt on the job or your commercial property is damaged?

That’s where business insurance comes in. It’s designed to safeguard your operations, your team, and your financial future. If you need broad liability protection, or specialized coverage tailored to your industry, we’re here to help you navigate your options and build a plan that fits how you do business.

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Why Business Insurance Matters.

Owning a business means making decisions that affect your future, your employees, and your livelihood. Even with careful planning, unexpected events can interrupt your operations or create costly setbacks. Accidents happen. Equipment breaks down. Disputes arise. Without the right protection in place, a single incident can have lasting financial consequences. Business insurance gives you a strong foundation to keep moving forward. It helps cover losses, manage risks, and protect the people and assets that keep your business running. It’s not just about preventing loss–it’s about building long-term resilience and confidence as your business grows.

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Explore the right coverage for your business

Business Coverage Options

What is Agribusiness Insurance?

Agribusiness Insurance is designed to protect businesses that earn all or most of their revenue from agriculture. This can apply to family farms and ranches, but is usually reserved for commercial grain and field crop growers, cotton growers, vineyards, wineries, bakeries, nurseries, canneries, meat packing plants, bottlers, seed merchants, and countless others. Businesses that opt for Agribusiness Insurance typically utilize advanced technology and play a role in the processing, packaging, and distribution of products.

Agribusiness Insurance Policies Can Cover:

  • Buildings, contents, and other real and personal property
  • Agricultural and manufacturing equipment
  • Commercial automobiles and fleets
  • General liability for on-premises injuries, property damage, etc.
  • Liability for harm caused by products
  • And much more...

What Is Business Interruption Insurance?

As a business owner, you know that anything can happen –– fire, tornadoes, floods, and any other natural or manmade disaster could potentially damage what you’ve established over the years. You’ll need financial coverage while working in order to resume business as normal after a disaster, whether that involves repairing your current location or relocating
if necessary.

Did you know that 25% of businesses that close from a disaster never reopen? You can be part of the 75% who come back by investing in business interruption coverage.

What does it cover?

  • Lost earnings you would have made under normal circumstances
  • Damaged or lost Items; this can help you get back the money lost on merchandise you had planned to ship
  • Expense coverage to keep the business running; for example, if you have to temporarily relocate
  • Coverage if anything happens that causes your business to stop or slow down during post-disaster repairs
  • Coverage for lost profits, payroll, rent, and taxes until business resumes as normal

What Is A Business Owner's Policy?

A Business Owner’s Policy (BOP) is a combination of the best business coverages all in one policy, so you get the best deal with the most coverage. For businesses with a high risk, a BOP can protect you the best.

Most Business Owner's Packages Include:

  • Business Interruption
  • Business Owner's Package
  • General Liability Insurance
  • Commercial Auto Insurance
  • Commercial Building
  • Commercial Property Insurance
  • Commercial Umbrella Insurance
  • Event Insurance
  • Equipment Breakdown Insurance
  • Group Health Insurance
  • Group Life Insurance
  • Group Disability Insurance
  • Manufacturers
  • Insurance Bonds
  • Supplemental Insurance
  • Workers' Compensation

And more…

What Is Commercial Auto Insurance?

When your business relies on or uses automobiles daily, you need to make sure before you hit the road you are covered for any possible issues. Every second you are out on the road you face several risks that are, unfortunately, unavoidable. Commercial auto insurance is similar to your typical auto insurance, only it covers a few different areas to insure your employees along with your goods are kept safe. Without the added protection, you could run into serious issues that might make you and your business look bad.

What It Covers

  • Collision coverage
  • Auto liability
  • Medical payments
  • Coverage on rented or borrowed vehicles
  • Employee coverage

Vehicles Covered Under Commercial Auto Insurance

  • Regular cars and SUVs
  • Catering trucks
  • Light and medium weight dump trucks
  • Utility vans
  • Refrigerator trucks
  • Tow trucks

What Is Commercial Building & Property Insurance?

Your building is what customers enter and exit when visiting your business. Make sure that they are kept protected along with your employees and valuable items by having commercial building and property insurance.

What It Covers

  • Building
  • Furniture and equipment
  • Inventory
  • Outdoor business signs
  • Fixtures
  • Other people's property
  • Catastrophe such as fire, flood, wind and hail, theft/burglary

Covered Under Commercial Building Insurance

  • Commercial or business office owners
  • Commercial office or storage renters
  • Owners of valuable property, such as computers, culinary equipment, or specialized tools.
  • Owners who have property you rely on to run your business.

A lot of risk surrounds the portable shed industry. With so many moving parts in the shed operation, it is important that you be prepared for things to go wrong, from the manufacturing process to the delivery.

Our Coverage Protects:

  • Manufacturing Company
  • Distributor
  • Retail lots
  • Transportation
  • Rent-to-Own

What is Term Life Insurance?

Term-Life Insurance is one of the most affordable types of insurance since it is available through most workplaces. It serves as a temporary financial protection for your family while you have a job. The death benefit will go directly to your beneficiaries for funeral costs and any financial obligations.

Common Types of Term Life Insurance Include:

  • Basic Term Life: paid by your employer for a set period of time to provide your beneficiaries plenty financial support.
  • Supplemental Term Life: paid by you as the employee to allow you to purchase coverage as needed according to your situation in life.
  • Dependent Term Life: Provides coverage for your spouse, partner, or eligible children.

What Is Commercial Umbrella Insurance?

Commercial Umbrella Insurance allows you to expand upon the policies offered under general liability.

What Commercial Umbrella Insurance Covers:

  • It can broaden coverage in your plan — if a part of your general liability doesn’t cover something, you can add to your plan with Commercial Umbrella Insurance
  • Umbrella Insurance can increase coverage totals
  • Umbrella Insurance allows you to customize a policy so it’s just right for your business.

What Is Contractors Insurance?

So many homes and businesses would not exist today without a contractor to create and build them. Their craftsmanship is an invaluable resource that should be insured to make certain they are able to continue. Contractor’s insurance covers a wide variety of areas, including the following list below.

Who Needs Contractor’s Insurance?

  • Construction Workers
  • Carpenters
  • Plumbers
  • Cleaners
  • Electricians
  • Landscapers
  • Painters
  • Handymen
  • Snow Plowers
  • And more...

What Is Directors and Officers Insurance?

Directors and Officers (D&O) Insurance protects the people who lead organizations. Nonprofits, financial institutions, public companies, and private companies are all susceptible to costly legal issues and wrongful allegations surrounding members of their leadership boards. Whether they are threatened by employees, clients, investors, or other parties, D&O insurance helps protect executive members and/or your company from financial and legal damage suffered from allegations and lawsuits.

D&O insurance policies typically provide protection and support in cases of:

  • Regulatory actions
  • Securities litigation
  • Allegations of misrepresentation
  • Breaches of fiduciary duties

What Is Employment Practices Liability Insurance?

This type of insurance, or EPLI, is made for employers to protect them against allegations made by employees that could potentially harm the business. EPLI is more beneficial in newer businesses who are often vulnerable against employment claims, but can be used for large companies as well. In some cases, EPLI can be offered as an endorsement to a Business Owner’s Policy (BOP) and a General Liability Policy (GL).

Offers Coverage for Wrongful Claims Such As:

  • Employee Discrimination
  • Wrongful Termination
  • Harassment
  • Other employment-related issues

What Is Equipment Breakdown Insurance?

When it comes to insuring equipment, we often think of businesses like restaurants and factories, but the truth is that all businesses rely on equipment that can lead to expensive solutions when it breaks down. That’s why Equipment Breakdown Insurance covers a wide range of equipment: electrical and mechanical equipment, air conditioning and refrigeration systems, communication equipment and computers, boilers and pressure equipment, and even new technology.

Equipment Breakdown Insurance has your back no matter what happens. Our policies typically cover:

  • Cost to replace or repair damaged equipment
  • Cost for equipment company’s time and labor to repair/replace equipment
  • Revenue loss for your company when equipment breakdown leads to business interruption
  • Damaged goods as a result of equipment breakdown

What Is Errors and Omissions Insurance?

Go beyond General Liability with Errors and Omissions Coverage. Errors and Omissions (E&O) Insurance is sometimes referred to as professional liability insurance. This type of insurance protects you when a client files a lawsuit against you on the premise of professional mistakes, negligence, or the failure to produce promised services.

E&O Policies Typically Cover:

  • Attorney fees
  • Court costs
  • Settlements and judgements

What Is Excess Liability Coverage?

Excess Liability Coverage (or ELC) is very similar to Umbrella Coverage in the sense that it is an added feature to an existing policy. However, unlike Umbrella Coverage, it can only be added to one policy rather than multiple. This coverage is very beneficial for businesses that have a high risk chance of something going wrong in one particular area. With the added coverage that acts like a cushion when you run out of liability coverage on one policy, or even on your umbrella policy, your business will be kept safe and sound.

Businesses Benefited by ELC:

  • Construction
  • Restaurants
  • Retail Stores
  • Law Firms
  • Real Estates
  • And more...

What Is General Liability Insurance?

Also referred to as “commercial liability,” General Liability Insurance covers a business’s general liability exposures and minimizes financial risks, such as death or injury of an employee, lawsuit, or natural disaster.

General Liability Protects You Against:

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Medical payments
  • Products completed operations
  • Damage to premises rented to you

What Our Disability Plan Offers

Everyone relies on a paycheck to provide for them, but what happens when that paycheck stops due to a disability? Mortgage, rent, or car payments don’t go away. Disability insurance is designed to protect those who experience a disability that prevents them from performing their job’s core responsibilities. Most people don’t have months of savings to back them up. So rather than use retirement savings early, you can rely on disability insurance to help you cover those large monthly payments.

Short-Term Disability

Short-term disability policies typically offer 1 and 3 year benefit periods. It covers monthly debts, such as car and home payments, during your recovery period from an illness or injury.

Long-Term Disability

If you become permanently disabled, long-term disability insurance can help provide income for you to pay your bills and afford necessities such as groceries.

What Is Group Health Insurance?

Group health insurance offers all of the same great benefits our individual health insurance package covers. Be sure to take care of your employees by offering them the comprehensive health coverage they deserve.

Why Your Business Needs Group Health Insurance:

Group Health insurance increases the happiness of your employees. Below are a few of its benefits:

  • Insurance Premiums are tax deductible
  • Health insurance contributes to employee loyalty and morale
  • Employee turnover rates can significantly decrease when quality benefit packages are offered

What is Group Life Insurance?

Group life insurance offers life insurance policy benefits to your employees. Making sure they’re cared for will help your business continue to prosper and grow.

Why Your Business Needs Group Life Insurance

Group life insurance increases the happiness of your employees. Below are a few of its benefits:

  • Insurance Premiums are tax deductible
  • Life insurance contributes to employee loyalty and morale
  • Employee turnover rates can significantly decrease when quality benefit packages are offered

What is Inland Marine Insurance?

Historically derived from insurance that covered property being shipped overseas, Inland Marine Insurance specifically covers moveable properties on land. It also covers specialized items that standard property insurance policies can’t cover, like instrumentalities of transportation and communication.

When you purchase Inland Marine Insurance from us, we will shop our trusted carriers for a policy that can cover any of the following:

  • Moveable property & equipment
  • Valuable property in transit over land
  • Bridges, roads, piers, etc.
  • Radio towers, television, computer equipment, and data
  • Legal liability exposures of bailees
  • Property in your temporary care

What Is Logging Insurance?

Logging is a dangerous job, and the people who do it are exposed to a unique set of risks. Finding a general business policy to cover every aspect your logging operation can be challenging. That’s where Logging Insurance comes in. If your company is involved in the cutting, processing, or loading of trees and logs onto trucks, then logging insurance is a viable option for you.

These general policies are written to protect those companies that work on or around lumberyards. Typically, a Logging Insurance policy will include some or all of the following coverages for loggers and lumberjacks:

  • General Liability
  • Workers Compensation
  • Commercial Auto Insurance
  • Tools/Inland Marine Insurance
  • Truckers Liability Insurance
  • Truckers Commercial Auto
  • Commercial Property
  • Commercial Umbrella

Our Manufacturer’s Insurance includes:

  • Business Owner’s Package (BOP)
  • Workers’ Compensation
  • Commercial Vehicle coverage

What Are Surety Bonds?

When you purchase surety bonds, you enter into a three-party agreement: you (the principal), your client (the obligee), and the surety company providing the bond. Surety bonds are designed to guarantee your business’s integrity and financial responsibility, along with compliance with a law or contract. Some bonds are legally required for your business to be fully licensed, and others are optional. We offer a wide variety of bonds and licenses to choose from.

Types of Bonds and Licenses

  • Commercial Bonds
  • Conservator Bonds
  • Contractor's Bonds
  • Court Bonds
  • ERISA Bonds
  • Fidelity Bonds
  • Fiduciary Bonds
  • License and Permit Bonds
  • Liquor Bonds
  • Performance and Payment Bonds
  • Probate Bonds
  • Public Officials
  • Sub-Division Bonds
  • Supply Bonds
  • Surety Bonds

What Is Workers’ Compensation?

Workers’ Compensation insurance is mandatory for most businesses in the country as it protects both the business owner and their employees from job-related injuries. It covers medical care and any lost wages for the employee injured on the job, as well as protects the employer should a lawsuit arise. Your business depends on your employees. Make sure you keep your business running smoothly by protecting your employees and giving them confidence to work with you safely.

Many Workers’ Compensation Policies Include:

  • Payment Systems
  • Medical disability case managers
  • Life care planning nurses
  • Legal staff
  • Contracts with medical network providers
  • Vocational rehabilitation consultants

Trucking Coverage Options

What Is Motor Truck Cargo Insurance?

Trucks haul a lot of items and goods every single day. But as many know, when on the road, anything can happen. That is why truckers have Motor Truck Cargo Insurance to cover the commodity hauled by for-hire truckers. It is helpful in incidents where your load accidently tips over onto the road. The policy will pay for the expenses to remove the debris and/or pollutants created by the debris. It even covers the legal side of things in case you get sued because of a failed delivery or other claims.

What It Covers

Motor Truck Cargo Insurance covers loss of cargo due to:

  • Fire
  • Collision
  • Accidentally hitting/running over the item(s)

Who It Covers

  • Dump trucks
  • Tractors
  • Box trucks
  • Cement mixers
  • Cargo vans
  • Dually pickups
  • Flatbeds
  • Car haulers

What Is Occupational Accident Insurance?

At its core, Occupational Accident Insurance is a policy that benefits independent contractors and employees not covered under workers compensations. If an employer refuses to provide workers compensation, they still have to find a way to provide legal obligation to their employees who suffer injury or death on the job. This is made possible through OAI which gives the employer the means to fund this obligation at a lower cost than a workers compensation policy.

What does it cover?

Since Occupational Accident Insurance is not mandated by law, you can choose from the following benefits to be added to your plan:

  • Accidental death benefit
  • Survivors benefit
  • Accidental dismemberment
  • Accident medical expense
  • Temporary total disability
  • Permanent total disability
  • Non-occupational accident benefit
  • Hernia and hemorrhoid benefit
  • Chiropractic benefit
  • Passenger accident benefit

What Is Physical Damage Insurance?

This type of coverage plan is actually a combination of three other plans including Collision Insurance, Comprehensive Insurance, and Fire and Theft Insurance. They all work together to make sure that when your truck collides with an object, overturns, or is stolen, the damage is paid for or is replaced. Physical Damage Insurance is required for trucks that are leased and is optional for trucks that are fully paid for. However, with so many outside forces that could damage your truck, it would be wise to view the coverage plan as a requirement for fully paid trucks rather than just optional.

What it Covers:

  • Pay to repair or replace your vehicle if it:
  • Collides with another object (ex: a telephone pole)
  • Overturns or rolls due to outside forces

What Is Truck Liability Insurance?

Truck Liability Insurance, also known as Motor Truck General Liability, is required for companies that hire permanently leased independent contractors also known as for-hire truckers. In the event that an accident occurs not directly related to operating the truck, this coverage plan protects you and others by paying for the injuries and damages sustained.

Situations When Truck Liability Is Needed

  • A customer slips or falls on your premises
  • Incorrect delivery of products resulting in damage
  • Insured’s error causes fire on rental property

What It Covers

  • Bodily Injury and Property Damage Liability
  • Personal Injury and Advertising Injury Liability
  • Medical Payments
  • Products / Completed Operations
  • Damage to Premises Rented to You (available for 7 days or less)

Let’s talk about protecting Your Business

Have questions about your coverage? Need a new policy? Our experienced agents are here to help. Reach out today, and let’s create a plan that protects what you’ve worked so hard to build.

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Trusted carriers, chosen for you

To ensure you’re well protected, we partner with leading insurance carriers that uphold the same standards of quality, reliability, and customer-focused care that we do. Each one has been thoughtfully selected to help us offer coverage you can count on. We’re proud to partner with the respected companies below as we help protect what matters most to you: