Builders Risk

• Structure under construction, installed materials, and temporary works (scaffolding, formwork, shoring)
• Materials stored on-site, in transit, or at fabrication yards
• Fire, theft, vandalism, wind, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delay
• Limit set to completed project value - not partial value at time of loss
• Coverage extended through Oklahoma building department inspection and certificate of occupancy

Oklahoma's diverse environments can increase theft and vandalism risks, especially in urban areas. Ensure limits are set at completed value and consider theft sublimits for high-value materials.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations - covers post-completion claims for years after project handover
• Personal and advertising injury
• Additional Insured endorsements for owners, developers, and municipalities
• Primary & Noncontributory wording for all required AIs
• Per-project aggregate for large or multi-site Oklahoma contracts
• Waiver of Subrogation as required by contract

Oklahoma public-sector construction contracts often require substantial GL limits with comprehensive contractor endorsements. We ensure your contract requirements are met before binding.

Workers' Compensation & Employers Liability

• Required by Oklahoma law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on job sites
• Covers falls from height, struck-by incidents, excavation accidents, and tool/equipment injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility where the project owner controls the WC program
• Prevailing wage compliance documentation often required on public projects

Construction is a high-risk industry in Oklahoma. Accurate payroll classification by trade is essential to avoid costly audit adjustments.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on highways and city streets
• Physical damage (collision and comprehensive) for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' personal vehicles used on firm business
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

Oklahoma's roadways can present unique challenges for commercial fleets. Ensure your driver list is current and MVRs are reviewed regularly.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, bulldozers, and aerial work platforms
• Compressors, generators, welding equipment, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is frequently targeted for theft. Ensure you have adequate coverage and security measures in place.

Surety Bonds

• Bid Bond: guarantees you'll honor your bid and execute the contract if awarded
• Performance Bond: guarantees project completion per contract terms
• Payment Bond: guarantees subcontractors and suppliers will be paid
• Required on all public contracts in Oklahoma
• Increasingly required on large private commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Oklahoma consistently require performance and payment bonds. We facilitate bonds alongside your insurance program for seamless compliance.

Commercial Umbrella / Excess Liability

• Adds $5M-$25M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying limit is exhausted
• Required by most large commercial developers and public entities in Oklahoma
• Can be structured to follow-form over GL and Auto in a single tower

A serious construction accident can lead to claims that exceed standard liability limits. Commercial builders should consider substantial umbrella coverage.

Professional Liability (Design-Build E&O)

• Covers errors in design services provided by or coordinated by the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects that manifest post-completion
• Claims-made form - retroactive date protection critical when switching carriers

As Oklahoma's design-build projects grow, GCs must ensure they have the appropriate professional liability coverage to protect against design errors.

Oklahoma Contractor Registration

Oklahoma requires contractors to register with the state and provide proof of insurance for public projects. This includes submitting current insurance certificates with specified limits, often including GL, WC, Auto, and umbrella. We assist in providing all necessary documentation for compliance.

Public Project Bonding & Prevailing Wage

Oklahoma law mandates performance and payment bonds on public construction contracts exceeding certain thresholds. Compliance with prevailing wage rates is also required, and certified payroll records must be maintained and submitted. Non-compliance can lead to severe penalties.

City Building Permits & Inspections

All commercial construction in Oklahoma requires permits from local authorities. Insurance certificates naming the city as Additional Insured are often required as a condition of permit issuance, and must remain current throughout the project duration.

OSHA Job Site Safety

Federal OSHA construction standards apply to all Oklahoma commercial job sites. Compliance with safety regulations is critical, and violations can affect your insurance eligibility and premium at renewal.