Contractors Insurance
We help contractors and other tradesmen protect their business operations — from landscapers and electricians to carpenters and many more.
- 24+ carriers
- Norman, OK
- No obligation
What Is Contractors Insurance?
Oklahoma Insurance Group is your local contractors insurance expert. We insure many different types of contractors — landscapers, electricians, plumbers, carpenters, painters, repair people, and independent construction contractors of every kind. The foundation is a general liability policy covering bodily injury and property damage, but complete protection usually layers in completed operations, tools and equipment, commercial auto, and often workers comp and bonds. The specific coverage you need is unique to your trade, and working with a knowledgeable agent means no critical gaps that leave you exposed to expensive legal claims. We do all the leg work: one office, every coverage a contractor needs.
Why Contractors Insurance Matters
The right contractors coverage protects you from the lawsuits, accidents and damage to other people's property that can put a contractor out of business. It's also what gets you on the job: most general contractors and commercial customers won't let you start without a certificate of insurance. The right program keeps you covered and keeps you working.
Who Needs Contractors Insurance?
Independent construction contractors, subs, and tradesmen of every kind — plumbers, electricians, carpenters, painters, roofers, landscapers, handymen, and repair professionals. Whether you're a one-truck operation or running crews, your exposure starts the moment you take the job.
Coverage Highlights
- General liability (bodily injury and property damage)
- Products and completed operations coverage
- Tools and equipment (inland marine) coverage
- Commercial auto for work trucks and trailers
- Workers compensation for crews
- License, permit, and bid bonds
- Certificates of insurance, fast
Specialty Programs
We write contractors insurance broadly, and we go deeper on a few programs where the exposure is distinct enough to deserve its own conversation.
HVAC Contractor Insurance
Coverage built around how HVAC work actually goes wrong — heat, water, refrigerant, and equipment that lives in a van instead of a shop.
Electrical Contractor Insurance
Liability, completed operations, and tools coverage sized for electrical work, where a small defect can be alleged as the cause of a total loss.
Plumbing Contractor Insurance
Built for the trade where one fitting can flood a building — general liability, completed operations, and water damage exposure handled deliberately.
Here in Oklahoma
Local Considerations
Storm repair drives a huge share of contracting work in Norman and the OKC metro — roofing, siding, fencing, and rebuild jobs follow every hail and wind season. That work comes with real liability and frequent bond and certificate requirements, and Oklahoma license bonds are something we handle in-house. Many trades also hit the workers comp requirement the day they hire their first helper; we'll make sure you're compliant before it costs you.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Contractors Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
From our Google reviews
Client Stories
★★★★★
Oklahoma Insurance Group has handled my small business insurance for over 11 years. They handle workers comp, general liability, and automobile insurance (we have about 10 vehicles insured at any one time). One of the great things about OIG is that every year like clockwork (without me having to ask) they are shopping my coverage and checking rates to get up the best balance between coverage and price. For our upcoming, they were able to reduce our auto by switching companies by over $41K. This is serious savings and allows us to continue our steady growth here in Oklahoma City and pass those savings on to our customers. It is also great that they can handle my personal stuff as well. Home insurance, automobile (inlcuding motorcycle). They shop those policies every year as well. One stop shop for me. And when I need them for a claim or accident, they walk me through the process. We are proud to partner with Russ and the crew at Oklahoma Insurance Group. Justin
★★★★★
We have had a great experience with Russ and his group. He found us the commercial insurance policy we wanted that others couldn't get. He is also very quick to respond which is greatly appreciated. We recommend this group for your insurance needs.
★★★★★
Russ was awesome to talk to about our insurance. He found gaps in our policy that would have hurt us in a claim situation. Our coverage now is top notch thanks to Russ and his team. We highly recommend calling them for any insurance needs commercial or residential. Thanks again Russ
★★★★★
We had Russ review our commercial insurance policies and he found several gaps in coverage that left us exposed financially. Russ explained everything thoroughly and saved us a ton of money! We feel much more comfortable with Russ on our side. From a business stand point. You are losing money by not giving them a chance.
★★★★★
Jovy and Russ and the folks at OIG are always friendly professional and available to answer questions. We have always received prompt service and competitive insurance pricing for our investment property.
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Contractors Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.