Workers Compensation
Protecting your employees is protecting your business — and in Oklahoma, workers comp isn't optional for most employers.
- 24+ carriers
- Norman, OK
- No obligation
What Is Workers Compensation?
Workers' comp pays an injured employee's medical bills and lost wages, plus the care it takes to get them back to work. Even a careful shop has accidents: a fall off a ladder, a piece of equipment that kicks back. Your premium is driven by class codes for each type of work, your payroll and your claims history. One of the simplest ways to save is making sure everyone is coded correctly, because the office manager at a roofing company shouldn't be rated like the roofers. We shop your comp across our carriers and check your class codes while we're at it.
Why Workers Compensation Matters
Beyond the legal requirement, workers comp protects you as the employer — it's generally the exclusive remedy for workplace injuries, which shields your business from most injury lawsuits. Without it, you're personally exposed to an injured worker's medical bills and lost wages, plus state penalties on top. It's the rare coverage that protects your people and your balance sheet at the same time.
Who Needs Workers Compensation?
Nearly every Oklahoma employer, from your first hire on up. Some contractors without employees can go without it — until a general contractor's contract requires it anyway. We'll help you figure out exactly where you stand.
Coverage Highlights
- Medical treatment for work-related injury or illness
- Lost wage replacement benefits
- Recovery and return-to-work services
- Employer liability protection
- Classification code audits to prevent overpaying
- Experience mod (EMR) review
- Payroll-based billing options
Insuring a trade? See HVAC Electrical Plumbing
Here in Oklahoma
Local Considerations
Oklahoma law is blunt on this one: per the Oklahoma Workers' Compensation Commission's employer guide, every employer, with a few exceptions, is required by law to carry workers' compensation insurance — and the penalty for failing to secure coverage runs up to $1,000 per day. That math ends businesses. We keep Norman and OKC metro employers compliant and competitively priced, and we'll re-shop your comp at renewal so the rate stays honest.
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 Workers Compensation 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 Workers Compensation
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.