If your business signs contracts — particularly in construction or service industries — you have likely encountered additional insured requirements. General contractors, property managers, and commercial clients frequently require vendors to list them as additional insureds on liability policies. Many…
Commercial auto insurance continues to be one of the most challenging expenses for Oklahoma businesses. Rising vehicle repair costs, litigation trends, and severe claims have forced carriers to increase rates and tighten underwriting. For companies operating service trucks, delivery vans,…
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…
Spring isn’t just for cleaning out garages. It’s a smart time to clean up your insurance policies, especially here in Oklahoma where property values and construction costs continue to shift. Start with vehicles. Did you buy or sell a car?…
Here’s something most homeowners in Oklahoma don’t realize: standard home insurance does not automatically cover everything involving water. One of the biggest blind spots is water backup and underground service line damage — and these claims can easily run into…
When a major storm rolls through Oklahoma, the first 24–72 hours matter. What you do right after hail or high winds can impact how smoothly — and how quickly — your claim is handled. Step one: protect the property from…
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…
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…
