Oklahoma
Contractors Insurance

At OKC Insurance Brokers, we provide tailored protection for builders, subcontractors, and tradespeople. Whether you’re an electrician, roofer, or general contractor, we offer the coverage you need to protect your projects and team.

We understand that choosing the right coverage can be challenging. That’s why we work with top insurance providers to bring you affordable options based on your unique business risks and Oklahoma licensing requirements.

Core Coverage Options for Construction Professionals

Our team offers a variety of policies designed for the construction industry across Oklahoma and Texas.

General Business Liability

This policy covers claims involving property damage or bodily injury during your day-to-day operations or on job sites. Oklahoma requires minimum $50,000 coverage for licensed specialty contractors. Oklahoma City requires $50,000 minimum for contractor registration.

Tools and Equipment Protection

Smaller tools are typically insured under a blanket policy with no item list, while larger equipment like generators or compressors is insured separately through inland marine coverage.

Coverage for Projects Under Construction

Also known as Course of Construction Insurance, this plan protects property while it’s being built or renovated. Most lenders require this policy before funding new projects or major remodels.

Other Business Insurance Essentials

Employee Injury Protection

As an employer, you’re responsible for workers’ compensation. Oklahoma law requires all employers to carry workers’ comp coverage. Even if you use subcontractors, ensure they carry their own coverage to avoid unexpected liability. Learn about Oklahoma workers’ comp requirements.

Commercial Vehicle Coverage

Personal auto policies don’t cover vehicles used for business. So if you transport tools or travel to job sites, you need a policy built for business use.

Oklahoma Contractor Licensing & Insurance Requirements

State Licensing Requirements

Oklahoma has unique licensing requirements depending on your trade:

• General Contractors: No state license required, but local permits and registration may be necessary in cities like Oklahoma City ($100 registration fee) and Tulsa.
• Electrical Contractors: Must obtain license through Oklahoma Construction Industries Board
  • Unlimited Electrical Contractor License: $330 fee
  • Requires $5,000 surety bond and $50,000 general liability insurance
• Plumbing Contractors: State licensing required through CIB
  • Contractor License: $330 fee
  • Requires $5,000 surety bond and $50,000 general liability insurance
• HVAC/Mechanical Contractors: Licensed through CIB
  • Same bond and insurance requirements as above
• Roofing Contractors: Must register with Oklahoma Construction Industries Board
  • Registration fee: $75

Permit Resources by City

• Oklahoma City: Building & Trade Permits | Permit Search
• Tulsa: Tulsa Permit Center
• Norman: Building Permits & Inspections
• Edmond: Development Services

Why Choose Us?

Our knowledgeable team offers personalized guidance to help contractors manage risk and meet legal requirements. We proudly serve professionals in Yukon, Edmond, Mustang, Oklahoma City, Piedmont, and surrounding areas.

📞 Call 405-509-9433 or request a quote online to explore the right insurance options for your business.

Frequently Asked Questions – Oklahoma Contractors