What general liability insurance covers
Commercial general liability (CGL) is the baseline policy almost every Oklahoma business needs. It protects against three categories of third-party claims:
- Bodily injuryA customer slips on a wet floor, a delivery person trips on your sidewalk, a visitor is injured by something in your space.
- Property damageYour employee damages a client's office while doing work onsite, or a fixture you installed causes water damage to a customer's property.
- Personal & advertising injuryAllegations of libel, slander, copyright infringement in your ads, or wrongful eviction.
It also covers defense costs — attorneys, expert witnesses, court fees — which often exceed the actual damages in liability claims.
Standard limits in Oklahoma
Most small-to-mid-size Oklahoma businesses carry $1 million per occurrence / $2 million aggregate. That means up to $1 million per individual claim with a $2 million ceiling across all claims in a policy year. Many commercial leases, vendor agreements, and contracts require these limits as a minimum.
Higher limits — $2M/$4M, $3M/$6M — are common for contractors, manufacturers, and businesses with significant customer foot traffic. We help you size limits to actual contract requirements and risk exposure.
Required by contract more often than you'd think. Landlords, prime contractors, municipalities, event venues, and many B2B clients require proof of GL coverage before they'll sign. We can issue same-day certificates of insurance — just call.
What general liability does NOT cover
This is where small business owners get burned. GL has a defined scope. It does not cover:
- Your own property — that's commercial property insurance
- Vehicle accidents — that's commercial auto
- Employee injuries — that's workers' compensation
- Professional mistakes — that's errors & omissions / professional liability
- Employee theft — that's crime/fidelity coverage
- Cyber breaches — that's cyber liability
- Pollution events — that's environmental liability
- Product recalls — that's product recall insurance
For most small Oklahoma businesses, a Business Owners Policy (BOP) bundles GL with property coverage and is more cost-effective than buying them separately.
How GL pricing works
Carriers price GL based on your industry classification (class code), payroll or gross sales, claims history, and operational details. A landscaping company will pay different rates than a consulting firm. Higher-risk industries (construction, contracting, restaurants) pay more; lower-risk service businesses pay less. We shop across carriers that specialize in your industry to find the right combination.
Common Oklahoma GL claim scenarios
- Slip-and-fall: A customer slips on a wet floor at your retail location and breaks a hip. Medical bills, lost wages, and pain and suffering claim adds up to $250,000.
- Property damage from work: Your subcontractor backs a truck into a homeowner's fence and damages an HVAC condenser. $15,000 claim.
- Advertising injury: A competitor sues your marketing for using imagery they claim infringes on their brand. Defense costs alone reach $40,000.
- Completed operations: Six months after you finished a deck installation, it collapses and injures a guest. GL completed operations coverage responds.
Who needs general liability in Oklahoma?
- Any business with foot traffic, customer-facing operations, or a physical location
- Contractors and subcontractors (often required for licensing)
- Manufacturers and wholesalers
- Restaurants, retailers, salons, fitness studios
- Service businesses that work in customer locations
- Events, food trucks, mobile services
- E-commerce businesses (yes, even fully online)
- Independent contractors and freelancers in most fields
