Business Coverage.
Oklahoma Expertise.
Independent BOP guidance for businesses across Tulsa, Oklahoma City and the I-44 corridor.
INSURANCE OKLAHOMA
Your business.
Our local expertise.
Insurance Oklahoma is an independent agency serving businesses across Tulsa, Oklahoma City and the I-44 corridor. We get to know your operation, review your current policies and compare options to help you find coverage that fits.
100+ years
in business, serving Oklahoma clients
30+ providers
for a choice of insurance options
ELIGIBLE BUSINESSES
Find your business fit.
PHLY BOP includes over 150 eligible classifications for businesses with 25 or fewer employees, with specific limits by category. Explore the examples below; underwriting and state requirements apply.
Retail & Service
For businesses selling goods or services directly to consumers, including home-based operations. Multiple locations and classifications can share one policy.
Examples: barber shops, beauty and nail salons, clothing stores, florists, home improvement stores, photographers, fitness, massage and yoga.
Offices
For a broad range of office-based businesses, from accountants to real estate agents. Professional liability is available for select classifications.
Examples: accountants, employment agencies, insurance agencies, interior decorators, medical offices and veterinarians.
Restaurants
For restaurants established at their current location for at least 3 years. Deep fat-frying or open-flame cooking requires NFPA-compliant suppression systems serviced to commercial cooking requirements.
Examples: casual dining, fast food, fine dining and limited-cooking restaurants.
Contractors
For businesses with up to 10 employees and subcontracting exposure below 25% of annual revenue. Home-based contractors may qualify.
Examples: carpenters, electricians, landscapers, painters, plumbers and residential cleaners.
Wholesale
For wholesalers with at least 75% business-to-business sales. Manufacturing, manufacturer representatives and distributors selling directly imported goods do not fit this program.
Examples: building materials, clothing, groceries, hardware and tools, hobby and artist supplies, and printing supplies.
Habitational
For exclusively tenant-occupied, non-owner-occupied dwellings of 1–4 families. Multiple locations are allowed, with no more than 4 units at any location.
Examples: dwellings for 4 families or fewer, with or without retail or office occupancy.
Lessors Risk
For owners leasing commercial buildings to eligible businesses. Tenants must qualify for the PHLY Small Commercial Program. Buildings with residential exposure are considered under Habitational.
Owner occupancy may be up to 10% of total square footage. Above 10%, the account is rated as tenant occupied using the owner’s business operation as the predominant classification.
Examples: contractor, office, restaurant, retail/service or wholesale tenants, plus mixed occupancy with or without a restaurant.
COVERAGE OPTIONS
Make room for the right protection.
Our team helps you review your business risks and explore Oklahoma Insurance coverage options that may fit your operation.
Coverage availability and program limitations vary by business segment and state. Your policy determines the coverage provided.
THE INSURANCE OKLAHOMA APPROACH
Personal guidance. Ongoing support.
Understand your business
We learn how your business operates and review your current policies to identify gaps in protection. Bring your employee count, locations and business activities so we can explore your BOP eligibility.
Compare coverage options
As an independent agency, we compare insurance options for coverage and value. Our team continues to support you as your business grows and your needs change. We’ll also confirm current program availability and requirements.
PHLY program details are adapted from Appetite at a Glance (2024), subject to underwriting and current policy terms. Home-based contractors with no property to insure should discuss PHLY’s nominal business personal property limit with our team.