Workers' Compensation Insurance for Oklahoma Businesses
We’re Here to Help
We know what it takes to run a small business because we are one, and we take pride in helping you protect your business with the right workers’ compensation and contractor insurance policies.
Outstanding customer service
Our clients value our personalized approach, our friendly team, and being able to reach a real human being with any questions.
Experienced, helpful team
We’re a family owned insurance agency that has been serving Oklahoma for 40 years, and we have three generations working in our office.
Decades of experience
With 40+ years of experience, we work to understand your business and the risks involved to ensure you get the right insurance coverage.
Why Oklahoma Contractors and Businesses Love Our Agency
We’re a family owned company with three generations working in the office, and our customers love the personal attention we provide for their contractor insurance and business insurance needs. We’ve been helping Oklahoma companies for more for 40+ years, and we look forward to helping you.
If you are looking for an insurance agency that cares about you and your business, let’s chat.
Our process for workers’ compensation insurance
Workers’ compensation insurance is an important part of your overall contractor insurance or small business insurance coverage, but the varying options can quickly get confusing. We make the process as simple and straightforward as we can, and a real human being is here to answer any questions you may have.
STEP 1
Request
a quote
Call, email, or complete our online form to request a quote. We’ll send you a form to gather the necessary details for the quote.
STEP 2
Review
the quote
We’ll complete the initial applications and send quotes for insurance policies that meet the needs of your business.
STEP 3
Sign, pay,
and bind
Once you choose your coverage, simply sign and pay online so we can bind coverage and provide a certificate of insurance.
STEP 4
Gain peace
of mind
Keep doing what you do best with the peace of mind that you have the right insurance policy to protect you and your business.
Ready to get started exploring your options for workers’ compensation insurance?
Protect your company from workplace accidents and injuries
Workers’ compensation insurance not only ensures your company stays in compliance with state law, but also ensures that you protect your company and take care of your employees if they’re injured in a workplace accident.
Contact our team today to get a quote for workers’ compensation insurance.
Workers’ Compensation Insurance: Frequently Asked Questions
What is workers’ compensation insurance?
Workers’ compensation insurance provides benefits to employees who are injured in a workplace accident, injured due to repetitive motion required by their job, or who become ill because of their work environment.
Do I really need workers’ compensation insurance?
Yes! If you have employees, the state of Oklahoma requires that you have workers’ compensation insurance. If you don’t, you can be fined. An injured employee could also sue your business after an injury if you don’t have workers’ compensation insurance in place.
What does workers’ compensation insurance cover?
If an employee is injured in a workplace accident, workers’ compensation helps cover their medical expenses, lost wages, and rehabilitation costs. For more severe injuries, workers’ compensation may also cover disability benefits and death benefits for the employee’s family.
What if I have 1099 contractors instead of W-2 employees? Do I still need workers’ compensation insurance?
If you are using contractors in your business, you need to collect certificates of insurance to verify that each of those contractors has their own workers’ compensation insurance. Otherwise, your insurance company may consider contractors to be employees when determining your premium each year.
What isn’t covered by workers’ compensation?
Consult your policy for specifics of what is or isn’t covered, but typically workers’ compensation insurance doesn’t cover injuries sustained while under the influence of drugs or alcohol, self-inflicted injuries, or injuries that are not work-related.
What about companies who are exempt?
Some companies are exempt from the workers’ compensation insurance requirement. If you believe your company is exempt, you can file an affidavit of exempt status with the Oklahoma Workers’ Compensation Commission.
Not sure what you need?
We’ve worked with hundreds of companies in our 40+ years in business to get them the right commercial insurance coverage for their business liability risk. Contact our team today to discuss your business. We can help answer your questions and get a plan in place.
