Oklahoma Contractor Insurance

Roofing Insurance for Oklahoma Contractors

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Oklahoma Roofing Insurance Requirements

CIB Registration Requirement

Oklahoma CIB registration required. Proof of insurance mandatory before registration.

Minimum Coverage

  • ✓ General Liability: $100,000 minimum (most require $1M)
  • ✓ Workers' Compensation: Required with employees
  • ✓ Commercial Auto: Required for work vehicles
  • ✓ Inland Marine: Covers tools and equipment on job sites

CIB Registration Steps

  1. Get your General Liability insurance policy
  2. Request a certificate of insurance (COI)
  3. Submit CIB registration application online
  4. Upload your COI to the CIB portal
  5. Pay the registration fee
  6. Receive your contractor registration card

Storm Season Coverage for Oklahoma Roofers

Oklahoma's storm season runs from April through June. Hail and tornado damage drive massive demand for roofing work — and massive liability exposure. If a crew member falls off a storm-damaged roof or a homeowner claims your work caused a leak, your GL policy is the only thing between you and a lawsuit.

Don't wait until the first hail report. Carriers tighten underwriting during active storm seasons. Get your policy in place now so you're ready when the phone starts ringing.

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What Roofing Insurance Covers

General Liability

Covers property damage you cause to a customer's home, bodily injury to third parties on the job site, and completed operations claims after the job is done.

Workers' Compensation

Covers medical bills and lost wages for injured crew members. Oklahoma requires WC for all roofing companies with employees. Fall injuries are the #1 claim.

Commercial Auto

Covers your trucks, trailers, and equipment during transit. Personal auto policies don't cover vehicles used for business purposes.

Inland Marine

Covers tools and equipment on the job site or in transit. If someone steals your nail guns off a roof, inland marine pays the replacement cost.

Carriers That Write Oklahoma Roofing Policies

Travelers

One of the largest commercial insurers in the US. Strong contractor programs.

Utica First

Specialist in small commercial policies. Competitive rates for new contractors.

Westfield

Regional carrier with strong Oklahoma presence. Known for fast certificates.

biBERK

Berkshire Hathaway company. Streamlined online quoting for small contractors.

Trusted Carriers We Work With

Travelers
Utica First
Westfield
CNA
biBERK

Oklahoma Licensed • Multiple Carriers • One Application

Frequently Asked Questions

What insurance does an Oklahoma roofing contractor need? ▼
Oklahoma roofing contractors need General Liability (GL) insurance with at least $100,000 in coverage. Most GCs and property owners require $1,000,000. You'll also need Workers' Compensation if you have employees, and Commercial Auto for your trucks and trailers.
Do I need insurance to register with the Oklahoma CIB? ▼
Yes. The Oklahoma Construction Industries Board requires proof of General Liability insurance before approving your roofing contractor registration. You cannot legally perform roofing work in Oklahoma without valid insurance on file.
How much does roofing contractor insurance cost in Oklahoma? ▼
Roofing insurance in Oklahoma typically costs between $1,500 and $5,000 per year for General Liability, depending on your revenue, crew size, and claims history. Roofing carries higher premiums than other trades due to fall risk and storm damage exposure.
Can I get same-day roofing insurance in Oklahoma? ▼
Yes. Several of our carriers offer same-day binding for roofing contractors. You can complete the application in about 5 minutes, receive a quote within hours, and have your certificate of insurance the same day.
Does storm season affect my roofing insurance rates? ▼
Storm season (April through June) doesn't directly change your premium mid-policy, but carriers consider Oklahoma's tornado and hail exposure when pricing roofing policies. Getting covered before storm season means you're protected when the work surges.

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