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. Same day certificates.
Commercial coverage rarely stands alone. See how the pieces fit on our Oklahoma business insurance page.
Working in Edmond? Our Edmond insurance page covers contractor insurance in Edmond, OK, certificates and the CIB license bonds.
Need the bond itself? The $5,000 Oklahoma contractor license bond for electricians, plumbers and HVAC contractors is issued online, executed bond by email the same day.
Trades we insure every week: electrical contractors, roofing contractors, framing and general carpentry, plumbing, HVAC, concrete, drywall, painting, and remodelers. Whatever your trade, one call gets general liability, tools coverage, workers comp, and commercial auto quoted together, with a same-day certificate of insurance when a GC or permit office is waiting.
We work with top insurance providers to bring you affordable options based on your unique business risks and Oklahoma licensing requirements.
Different trades face different risks. We'll tailor this to your licensing, projects, and payroll when you request a quote.
| Trade / type | Typical GL limits (per occurrence / aggregate) | Tools & equipment | Key notes (Oklahoma) |
|---|---|---|---|
| Electrician | $1,000,000 / $2,000,000 | Recommended for hand tools, testers, ladders | State license requires at least $50,000 GL; most commercial jobs expect $1M / $2M and certificates. |
| Plumber | $1,000,000 / $2,000,000 | Recommended for jetters, cameras, power tools | Plumbing license requires $50,000 GL; many projects require higher limits and endorsements. |
| HVAC / Mechanical | $1,000,000 / $2,000,000 | Strongly recommended for higher-value tools | Licensed through CIB; larger commercial jobs may need higher GL and umbrella coverage. |
| Roofing contractor | Often $1,000,000 / $2,000,000 on bigger roofs | Recommended for nail guns, compressors, generators | Higher-risk trade; many GCs require higher limits and strict subcontractor insurance controls. |
| General contractor | $1,000,000 / $2,000,000 or higher | Recommended for owned tools and small equipment | Commonly required to carry GL and manage subs' insurance and certificates. |
| Remodeler / Carpenter | $1,000,000 / $2,000,000 | Recommended for saws, nailers, compressors | Work in occupied homes increases liability; GL and tools coverage are key. |
Important: these examples are for general education only and are not a quote or guarantee of coverage. Actual policies and pricing depend on your trade, payroll, subcontractors, vehicles, and underwriting.
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, and Oklahoma City requires a $50,000 minimum for contractor registration. Get a general liability quote today.
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, on the job site or in transit.
Also known as Course of Construction Insurance, this protects property while it's being built or renovated. Most lenders require this policy before funding new projects or major remodels. Get a builders risk quote.
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.
Personal auto policies don't cover vehicles used for business. If you transport tools or travel to job sites, you need a policy built for business use. Get a commercial auto insurance quote.
No state license is required for general contractors, but you may need local permits and registration in cities like Oklahoma City and Tulsa.
Oklahoma City requires $50,000 general liability and $100,000 workers' compensation for contractor registration. Learn more about OKC requirements.
We provide same-day certificates for urgent project needs throughout Oklahoma. Request your certificate.
Yes, you must complete the Oklahoma Business Registration Packet and post a nonresident contractor bond. Contact us for details.
Not the way most people assume. Your general liability policy covers your operations, and a subcontractor working for you is part of your operations for a claim by a third party, so if their work hurts someone, the claimant can come at your policy. It does NOT cover the subcontractor's own tools, vehicles, employees or mistakes, and at audit an uninsured subcontractor's payroll is charged to your policy as if they were your employee. Collect a certificate of insurance from every sub before they start, name yourself as additional insured on it, and keep it with the job file. Our subcontractor insurance in Oklahoma page covers the sub's side of the same question.
Only for claims against the general contractor. A sub is a separate business; the GC's general liability responds when the GC is sued, and its workers compensation covers the GC's own employees. The sub's injured worker, damaged truck or faulty workmanship is the sub's problem unless the sub carries its own policy, which is why nearly every Oklahoma GC now asks for a certificate and an additional insured endorsement before a sub sets foot on the site. If you are the sub, carry your own; if you are the GC, collect the certificates and your audit stays clean.
A one-person handyman or remodeler with $1,000,000 per occurrence usually lands between $1,000 and $2,000 a year. Roofers, framers and anyone doing structural work pay more, and payroll and gross sales move the number more than anything else. A $150 a month quote for a handyman usually means the carrier put you in a heavier class; ask us to run it in the right one.
Class codes. 'Handyman' is not one class; carriers split the work into carpentry, plumbing, electrical, roofing and so on, and if any roofing or electrical work is listed the whole policy is priced as the heavier trade. Payroll and subcontractor cost also drive it. Tell us exactly what you do and what you never do, and we quote the class that matches.
General liability with the roofing class code, at least $1,000,000 per occurrence, because most general contractors and property managers require it before you set foot on a roof. Workers compensation if you have employees. Commercial auto on the work trucks. Inland marine for tools and ladders. Oklahoma roofers register with the Construction Industries Board and carry the liability policy; no bond is required for the roofing registration.
Oklahoma has no statewide general contractor license. Oklahoma City issues a municipal contractor license that requires a general liability certificate and a small fee; Edmond, Norman and Moore have their own versions. Electrical, plumbing and HVAC trades are licensed statewide through the Construction Industries Board and post a $5,000 bond. We can issue the liability certificate and the bond the same day.
A certificate of insurance, the one-page ACORD 25 form that shows your carrier, limits and dates. We issue them the same day, usually within the hour, and we can name the customer as certificate holder or additional insured when the contract asks for it. Homeowners on r/Roofing say a contractor who will not produce one is a red flag, so keep a current certificate on your phone.
As an independent insurance agency, we shop multiple top-rated carriers to find you the best coverage at competitive rates.
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