Contractor Insurance
in Oklahoma
Oklahoma Contractor Insurance That Works as Hard as You Do
From tornado zones to booming job sites in Tulsa and Oklahoma City, contractors across the Sooner State face unique risks. ACI delivers contractor insurance that keeps you compliant, protects your business, and helps you win jobs—without slowing you down. Whether you’re a general contractor or trade pro, we tailor coverage to your license, crew size, and project type.
Why Contractors in Oklahoma Choose ACI
Local Insurance Know-How
We understand Oklahoma construction laws and local permit requirements.
Same-Day Certificates
Fast proof of coverage for permits, licenses, or client contracts.
Flexible Payment Plans
Coverage options starting with as little as 20% down.
Multi-Policy Savings
Bundle and save up to 25% on total insurance costs.
Insurance Coverage We Offer in Oklahoma
We offer a full range of contractor insurance policies to protect your job site, workers, and business assets.
- General Liability Insurance
Protects against third-party injuries or property damage. Often required for local contractor licenses or building permits.
- Workers’ Compensation Insurance
Required in Oklahoma for businesses with employees. Covers medical costs and lost wages after a jobsite injury.
- Commercial Auto Insurance
Covers trucks, vans, and trailers used for transporting crews, tools, or materials.
- Tools & Equipment Insurance
Protects your tools and machinery from theft, damage, or loss—on site or in transit.
- Builder’s Risk Insurance
Short-term property insurance for buildings under construction. Covers materials, labor, and more.
- Professional Liability Insurance
Ideal for contractors offering design or consulting services. Covers claims related to errors, delays, or negligence.
Who We Cover in Oklahoma
ACI works with licensed and unlicensed contractors across the state, offering policies for all major trades and specialties.
We insure:
- General Contractors
- Electricians
- Plumbers
- HVAC Installers
- Roofers
No matter your trade, we’ve got your back.
How Much Does Contractor Insurance Cost in Oklahoma?
Your monthly premium will depend on your specific trade, risk exposure, and business setup. At ACI, we create tailored quotes based on key variables.
Cost Factors
- Type of Work
High-risk trades like roofing or concrete pouring typically cost more to insure than low-risk trades.
- Business Size
The number of employees, subs, or job sites you manage will impact your rate.
- Coverage Limits
More coverage means more protection, but also a higher premium.
- Claims History
A clean claims record often helps reduce your insurance rate.
- Location
Urban job sites or areas with high storm activity may influence pricing.
Want to know what you’ll pay? Request your fast, no-obligation quote now.
Oklahoma Contractor Insurance Requirements
General Liability Insurance
While not required statewide, many cities in Oklahoma require liability insurance for permit applications or license renewals.
Workers’ Compensation Insurance
Businesses with employees are required by state law to carry workers’ compensation coverage.
Commercial Auto Insurance
Vehicles used for business must be covered by a commercial auto policy.
Requirements can vary by trade or city. We’ll help you meet what’s required for your work.
Get a Free Contractor Insurance Quote
in Oklahoma
Ready to simplify your coverage and get back to work? ACI makes it easy with fast quotes, expert support, and custom policies built for Oklahoma contractors.