Subcontractors keep Oklahoma construction projects moving, but without the right paperwork, their mistakes can quickly become your financial problem. When there’s no written subcontractor agreement outlining responsibilities, risk transfer, and insurance requirements, courts and insurers often default to the general contractor or…
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…
Fire is one of the leading causes of property loss. In Oklahoma, older buildings and faulty wiring increase risks. Insurance may not cover everything if fire safety codes aren’t followed. Installing alarms, sprinklers, and having an evacuation plan reduces risk.…
Tools and equipment are prime targets for theft at job sites, trucks, and storage units. Standard property or auto policies usually exclude them. Inland Marine coverage (contractors equipment coverage) protects tools wherever they go. Examples include stolen saws from a…
Many small business owners — contractors, delivery drivers, and real estate professionals — use personal auto policies to insure vehicles used for work. Unfortunately, most personal auto policies exclude coverage for business-related accidents. That means if your employee is delivering…
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…
What Are Commercial Surety Bonds? A commercial surety bond is a three-party agreement: They ensure businesses comply with laws, licensing rules, or ethical obligations. Who Needs Them? Commercial surety bonds apply to many industries, including: Types of Commercial Bond Cost…
The Often Overlooked and Understood Requirement You Can’t Afford to Ignore Oklahoma commercial property owners, make sure you take time to read this I’m about to save you from one of the most overlooked and misunderstood clauses in your insurance…
If you own commercial property in Oklahoma—whether it’s an office building, warehouse, or rental you may have heard the term “co-insurance clause.” It’s one of the most misunderstood parts of a property policy, but also one of the most important.…
Contractors often face an unpleasant surprise at the end of their insurance policy year: an audit bill. Many wonder, “Why do I owe more?” Understanding how audits work can help you plan ahead and avoid big, unexpected charges. General liability…