If you have employees in Oklahoma, you almost certainly need workers’ comp. We’ll help you find the right carrier, and at renewal we’ll show you whether you’re paying more than you should.

Get a renewal review

Tell us your renewal date and current carrier, and we’ll compare your premium with what other carriers would charge a business like yours. Reach out 60 to 90 days before your renewal so there’s time to get quotes.

What sets your premium

Payroll

Premium is figured per $100 of payroll, so it rises and falls with your payroll.

Class codes

Each type of work has its own rate, and a roofer costs more to cover than an office worker. Making sure your employees are in the right class is one of the simplest ways to avoid overpaying.

Your carrier’s pricing

Each carrier applies its own multiplier to the state’s base rates, so the same business can get very different quotes.

Your claims history

Larger employers also carry an experience modifier based on past claims, which can move premium up or down.

Why an independent agent

We work with several carriers instead of one, and each carrier looks for different kinds of business. Josh has been licensed since 2009, and we’ll match you with the carrier that fits your work.

Frequently Asked Questions

Is workers’ compensation required in Oklahoma?

Yes. Most Oklahoma employers with employees must carry it. Going without can mean misdemeanor charges, fines, civil penalties, and court orders to stop operating until coverage is in place.

When should I start shopping my renewal?

About 60 to 90 days before it renews. Quotes take time, and carriers usually want your payroll details and claims history a month or more ahead.

What’s a loss run?

A report from your current carrier listing your claims over the past few years. New carriers use it to quote you. You can request one from your carrier or agent, and we can help with that.

Why did my premium go up?

Payroll growth, a change in class codes, a recent claim, or your carrier raising its rates can all do it. A renewal review shows which one it was.