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,…
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…
