--- title: "General Liability Insurance in Oklahoma" description: "Oklahoma sets different CIB general-liability floors for roofers and active plumbing, electrical, and mechanical contractors." canonical: "https://spot.insure/coverage/general-liability/oklahoma" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/general-liability/oklahoma) # General Liability Insurance in Oklahoma Oklahoma's Construction Industries Board currently requires $500,000 in general liability for residential-only roofing and $1 million for commercial roofing, with carrier proof that the policy specifically covers roofing. Active plumbing, electrical, and mechanical contractors face a separate $50,000 minimum and must put the individual license holder's name on the certificate.[^1][^2] **Coverage:** [General liability](/coverage/general-liability) · [Oklahoma](/coverage/states/oklahoma) ## What Is General Liability? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [Read the national General liability guide](/coverage/general-liability). ## Oklahoma Requirements | Requirement | Details | | --- | --- | | Residential-only roofing registration | $500,000 minimum GL; CIB named as certificate holder; carrier must confirm roofing work is covered[^1] | | Commercial roofing endorsement | $1,000,000 minimum commercial GL; CIB named as certificate holder; carrier must confirm roofing work is covered[^1] | | Active plumbing, electrical, or mechanical contractor license | $50,000 minimum commercial GL; individual license holder named on certificate[^2] | ## What to Watch for in Oklahoma ### Roofing Endorsement Changes the Floor CIB’s current FAQ requires $500,000 for residential-only roofing and $1 million for a commercial endorsement. Before taking commercial jobs, confirm the license endorsement and that the carrier—not only the certificate—confirms roofing work is covered.[^1] ### Check the New Residential Endorsement The CIB notice says a current roofing registration and, for commercial roofing, a current endorsement are required before offering or performing that work unless an Act exemption applies. The CIB’s September 18, 2026 FAQ still lists the $500,000 residential-only GL floor; confirm the endorsement class and proof required for your next registration or renewal.[^3][^1] ### The License Holder Must Match the Proof For active plumbing, electrical, or mechanical contractors, CIB asks for at least $50,000 in commercial GL and requires the individual license holder’s name on the certificate. Check that the person named on the license appears as insured as CIB requires, in addition to any operating company.[^2] ## Who Regulates Insurance in Oklahoma **Oklahoma Insurance Department.** OID's Licensing Division oversees new and renewed producer, adjuster, and business-entity licenses. Its consumer assistance process takes insurance complaints and requests for help; the licensee lookup displays license status and expiration.[^4][^5][^6] - [Regulator website](https://www.oid.ok.gov/) - [License lookup](https://www.oid.ok.gov/licensing-and-education/licensee-look-up/) - [File a complaint](https://www.oid.ok.gov/consumers/file-an-online-complaint/) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 6% of premium and fees, plus 0.175% SLAS transaction fee For Oklahoma-home-state placements, OID says the 6% surplus-lines tax base includes premium and fees; SLIP also bills a 0.175% SLAS transaction fee. Oklahoma law requires a policy notice that surplus-lines coverage has no guaranty-association protection, so ask your broker to itemize the tax and transaction fee.[^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for General liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Oklahoma; [check the regulator’s license lookup](https://www.oid.ok.gov/licensing-and-education/licensee-look-up/) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^12] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^14] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^15] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] ## Questions to Ask Before You Buy in Oklahoma 1. Does the current CIB roofing registration or commercial endorsement match the jobs we take, and has the carrier confirmed roofing work is covered? 2. For a CIB licensed plumbing, electrical, or mechanical contractor, whose name must appear as the insured on the GL certificate? 3. What limits apply if we switch from residential-only roofing to commercial roofing? ## General Liability in Oklahoma: FAQ ### How much GL does an Oklahoma roofing contractor need? $500,000 for residential-only roofing; $1 million for commercial roofing under the CIB’s current FAQ. The policy carrier must confirm that it specifically covers roofing work.[^1] ### Does Oklahoma require GL for licensed plumbing, electrical, and mechanical contractors? Yes. CIB currently lists a $50,000 commercial GL minimum for active license holders in those trades and requires the individual license holder’s name on the certificate.[^2] ## General Liability in Other States - [Alabama](/coverage/general-liability/alabama) - [Alaska](/coverage/general-liability/alaska) - [Arizona](/coverage/general-liability/arizona) - [Arkansas](/coverage/general-liability/arkansas) - [California](/coverage/general-liability/california) - [Colorado](/coverage/general-liability/colorado) - [Connecticut](/coverage/general-liability/connecticut) - [Delaware](/coverage/general-liability/delaware) - [District of Columbia](/coverage/general-liability/district-of-columbia) - [Florida](/coverage/general-liability/florida) - [Georgia](/coverage/general-liability/georgia) - [Hawaii](/coverage/general-liability/hawaii) - [Idaho](/coverage/general-liability/idaho) - [Illinois](/coverage/general-liability/illinois) - [Indiana](/coverage/general-liability/indiana) - [Iowa](/coverage/general-liability/iowa) - [Kansas](/coverage/general-liability/kansas) - [Kentucky](/coverage/general-liability/kentucky) - [Louisiana](/coverage/general-liability/louisiana) - [Maine](/coverage/general-liability/maine) - [Maryland](/coverage/general-liability/maryland) - [Massachusetts](/coverage/general-liability/massachusetts) - [Michigan](/coverage/general-liability/michigan) - [Minnesota](/coverage/general-liability/minnesota) - [Mississippi](/coverage/general-liability/mississippi) - [Missouri](/coverage/general-liability/missouri) - [Montana](/coverage/general-liability/montana) - [Nebraska](/coverage/general-liability/nebraska) - [Nevada](/coverage/general-liability/nevada) - [New Hampshire](/coverage/general-liability/new-hampshire) - [New Jersey](/coverage/general-liability/new-jersey) - [New Mexico](/coverage/general-liability/new-mexico) - [New York](/coverage/general-liability/new-york) - [North Carolina](/coverage/general-liability/north-carolina) - [North Dakota](/coverage/general-liability/north-dakota) - [Ohio](/coverage/general-liability/ohio) - [Oregon](/coverage/general-liability/oregon) - [Pennsylvania](/coverage/general-liability/pennsylvania) - [Rhode Island](/coverage/general-liability/rhode-island) - [South Carolina](/coverage/general-liability/south-carolina) - [South Dakota](/coverage/general-liability/south-dakota) - [Tennessee](/coverage/general-liability/tennessee) - [Texas](/coverage/general-liability/texas) - [Utah](/coverage/general-liability/utah) - [Vermont](/coverage/general-liability/vermont) - [Virginia](/coverage/general-liability/virginia) - [Washington](/coverage/general-liability/washington) - [West Virginia](/coverage/general-liability/west-virginia) - [Wisconsin](/coverage/general-liability/wisconsin) - [Wyoming](/coverage/general-liability/wyoming) [Other Coverage in Oklahoma](/coverage/states/oklahoma) ## Sources [^1]: [Roofing](https://oklahoma.gov/cib/your-industry/roofing.html) — Oklahoma Construction Industries Board; Roofing Industry FAQs, residential-only and commercial endorsement insurance questions; page last modified September 18, 2026. Accessed 2026-09-28. [^2]: [Active Contractor Requirements](https://oklahoma.gov/cib/your-industry/active-contractor-requirements.html) — Oklahoma Construction Industries Board; Bond and Insurance; plumbing, electrical, and mechanical license holders; page last modified May 14, 2026. Accessed 2026-09-28. [^3]: [Notice of Required Registration and Endorsement](https://oklahoma.gov/content/dam/ok/en/cib/documents/your-industry/roofing-industry/noticeofrequiredregistration_endorsement.pdf) — Oklahoma Construction Industries Board; Roofing Contractor Registration Act notice, registration and commercial endorsement requirement and exemptions. Accessed 2026-09-28. [^4]: [oklahoma insurance regulator](https://www.oid.ok.gov/) — State insurance regulator; OID identifies its licensing division's licensing and education responsibilities and consumer-assistance links.. Accessed 2026-09-28. [^5]: [OID Licensee Look Up](https://www.oid.ok.gov/licensing-and-education/licensee-look-up/) — State insurance regulator; Instructions: choose Oklahoma, LICENSEE, and individual or business entity; search status, expiration, appointments, and license details.. Accessed 2026-09-28. [^6]: [OID File an Online Complaint](https://www.oid.ok.gov/consumers/file-an-online-complaint/) — State insurance regulator; Official online Request for Assistance/complaint filing instructions and submission form.. Accessed 2026-09-28. [^7]: [Financial FAQs](https://www.oid.ok.gov/regulated-entities/financial/financial-faqs/) — Oklahoma Insurance Department; Current OID FAQ states the surplus-lines tax is 6% of premium plus policy fees; quarterly remittance.. Accessed 2026-09-28. [^8]: [Bulletin No. 12-2023](https://www.oid.ok.gov/bulletin-no-12-2023/) — Oklahoma Insurance Department; For policies and endorsements effective on or after Jan. 1, 2024: 6% surplus-lines tax plus 0.175% SLAS transaction fee, paid through SLIP.. Accessed 2026-09-28. [^9]: [Oklahoma Statutes, Title 36 §1109](https://oksenate.gov/sites/default/files/2019-12/os36.pdf) — Oklahoma Senate; Policy must carry bold declaration-page notice that surplus-lines contracts are not subject to any guaranty association protection in liquidation or receivership.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^16]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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