Most small business owners don’t think about their insurance until something goes wrong and that’s usually when costly gaps show up. One of the biggest mistakes is underinsuring property. With rising construction and equipment costs, many businesses are carrying outdated…
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…
A Business Owners Policy, commonly called a BOP, is one of the most efficient ways for small to mid-sized businesses to protect themselves. It combines several essential coverages into a single package—typically General Liability, commercial property insurance, and business income…
Vacant buildings come with a completely different level of risk compared to occupied properties. When no one is regularly present, small issues—like a minor water leak—can turn into major damage before anyone notices. Vacant properties are also more attractive targets…
Many contractors assume their General Liability policy has them covered for just about anything that happens on a job site—but pollution is a major exception. Most GL policies contain a pollution exclusion, meaning claims related to fuel spills, chemical exposure,…
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 audits are a normal part of many commercial insurance policies, especially General Liability and Workers’ Compensation. These policies often start with estimated payroll or sales, and the insurance company conducts an audit at the end of the policy period to…
For many contractors and service professionals, tools and equipment are the business. Without them, work stops. Yet surprisingly, a large number of small and mid-sized businesses either underinsure their tools or assume they’re automatically covered elsewhere. In reality, most standard…
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,…
