Imagine a retail store in Oklahoma hit by a tornado. The building is repairable, but reconstruction takes six months. The physical damage may be covered under a property policy — but what about payroll, rent, utilities, loan payments, and lost…
Many contractors assume that if a subcontractor causes damage, the sub’s insurance will automatically step in and handle it. Unfortunately, that assumption can get expensive. Courts often hold the general contractor responsible for damages caused by subcontractors, especially when contracts are vague…
One of the most costly mistakes property owners make is underinsuring buildings to save on premiums. What many don’t realize is that most commercial property policies include a co-insurance clause, commonly set at 80%. This means insurers expect the building to be…
At Oklahoma Insurance Group, we believe the best protection starts with education. Each month, our newsletter brings you practical tips to help you stay safe, prevent losses, and make smarter insurance decisions. Whether it’s preparing your home for Oklahoma’s unpredictable…
Insurance isn’t just about protecting property—it’s about protecting the people you care about. Liability coverage is designed to step in if someone is injured or their property is damaged and you’re held legally responsible. These situations can happen quickly, whether…
Life insurance is often misunderstood because the benefit isn’t for the person who buys the policy—it’s for the people they leave behind. When a loved one passes away, the emotional toll is heavy enough without adding financial stress. Life insurance…
Valentine’s Day, anniversaries, and milestone moments often come with meaningful (and valuable) gifts—especially engagement rings, fine jewelry, and family heirlooms. What surprises many homeowners is that these items usually have strict limits under a standard homeowner’s policy. Theft coverage for…
At Oklahoma Insurance Group, we believe the best protection starts with education. Each month, our newsletter brings you practical tips to help you stay safe, prevent losses, and make smarter insurance decisions. Whether it’s preparing your home for Oklahoma’s unpredictable…
Cutting insurance costs doesn’t mean cutting corners. Smart business owners focus on reducing risk and eliminating waste. One of the simplest ways to save is bundling policies like general liability, commercial auto, and property into a business package designed for…
Many contractors are surprised to learn that insurance and bonding are not the same thing. While insurance protects the contractor from losses, bonds protect the project owner, general contractor, or suppliers. Performance and payment bonds are often required to bid on…