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.
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.
As an independent insurance agency, we shop multiple top-rated carriers to find you the best coverage at competitive rates.
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