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Oklahoma Workers’ Compensation Insurance

You can save up to 25% in discounts on business insurance.*

Workers’ Compensation can help pay for:

Medical expenses

Medical expenses

Includes examinations, treatments and rehabilitation.

Lost wages

Lost wages

Gives employees time to recover from an injury before returning to work.



Helps employees who need to learn skills and enter a new field.

Permanent injury

Permanent injury

Provides benefits for employees who can no longer work due to injury.

Oklahoma Workers’ Compensation requirements

Most businesses with employers in Oklahoma with full-time or part-time employees must carry workers’ compensation insurance, according to the state’s Workers’ Compensation Commission.

There are a few exceptions to this rule, including independent contractors and sole proprietors. However, even if you don’t have employees, workers’ comp offers important benefits for medical treatment and wage replacement after a workplace injury.

Oklahoma Workers’ Compensation benefits

If you don’t have workers’ comp insurance, your business could be held financially responsible for any illnesses or injuries that happen to your employees while on the job. You could also face penalties for not complying with state laws.

If there is a workplace injury or illness, your Oklahoma workers’ compensation policy can help pay for:

  • Emergency treatment
  • Medical bills
  • Lost wages
  • Death benefits
  • Vocational retraining

You can start a free online instant quote with NEXT Insurance to explore options for your business. In just 10 minutes, you can have the workers’ compensation coverage you need to protect your business and proof of coverage with a certificate of insurance (COI). If you need guidance, we have a team of licensed U.S.-based advisors who are ready to help.

Who is exempt from Workers’ Compensation insurance in Oklahoma?

While most employees are covered under workers’ compensation, Oklahoma does allow for a few exceptions.

Sole proprietors are not considered employees in Oklahoma, so they aren’t required to get coverage. The same is true for partners in an LLC or officers in an organization who own at least 10% of company capital or stock, respectively.

Independent contractors don’t have to get coverage, and that includes subcontractors. However, if a subcontractor does not have workers’ comp insurance, the primary contractor could be held liable for any work-related injuries.

Oklahoma workers’ compensation laws also have an exception for small family-run businesses. If your business has five employees or less and those employees are all related by blood or marriage, then you aren’t legally required to get coverage.

The Oklahoma Workers’ Compensation Commission also lists the following exemptions:

  • Agricultural or horticultural workers employed by a company that had less than $100,000 in payroll during the previous calendar year
  • Any real estate agents or brokers who are licensed and paid on a commission basis
  • Federal employees, in most cases, including anyone in training programs by the Department of Health and Human Services who is providing health or social services care
  • Volunteers who receive no wages for their work
  • Any person who is employed by a tax-exempt youth sports league
  • Commercial truck drivers

What types of businesses buy Workers’ Comp in Oklahoma?

In 2020 there were more than 1,000 workers’ compensation claims filed in Oklahoma, with over $55 million paid out in compensation and medical benefits, according to the Department of Labor.

No business is completely safe from a potential workplace illness or injury. From companies specializing in construction projects to independent contractors who teach fitness classes, there’s always the potential for an accident.

Even if you think your employees aren’t at risk, accidents can happen. For example, One of your employees could slip on a patch of ice outside of your office and break their arm. If you don’t have Oklahoma workers’ compensation coverage, you could be held financially responsible for the medical and other related expenses that are related to the illness or injury.

How does Workers’ Compensation work in Oklahoma?

Any injured employee must report it or get medical treatment for that injury within 30 days. The statute of limitations on Oklahoma workers’ compensation claims is two years from the date of the injury.

However, best practices generally state that you should inform your insurer of any injuries and file a claim as soon as possible. Your insurance company should be able to take care of the appropriate Oklahoma workers’ compensation forms for you. If the claim is approved, it is processed and the injured or ill employee will receive benefits.

Workers’ Comp death benefits in Oklahoma

Sometimes an accident can occur that might result in an employee dying while on the job. Oklahoma workers’ compensation regulations allow qualifying dependents to collect death benefits. Typically a spouse, dependent children and non-dependent children who suffer an economic loss, can collect benefits.

Death benefits are paid out in either a lump sum or weekly, up to a maximum set by the state. Funeral expenses might also be covered.

How much does Workers’ Compensation insurance cost in Oklahoma?

In Oklahoma, rates can vary by industry and profession. Even within your business, it’s not uncommon to have employees who are at different risk levels. The State of Oklahoma will determine specific rates based on a variety of factors. These can include, but aren’t limited to the following:

  • The class codes of your employees
  • The number of employees you have
  • Your history of claims, if any
  • Where you operate your business

How to apply for workers’ comp insurance in Oklahoma

If you need Oklahoma workers’ compensation coverage, NEXT Insurance can help. We’re 100% dedicated to helping small business owners and self-employed professionals find the right coverage at an affordable price.

You can get a free quote, explore options for your business and purchase coverage with our painless online platform. Our licensed, U.S.-based insurance advisors ready to answer your questions and help you along the way.

Start your online instant quote today.

Other business insurance policies that are important in Oklahoma

There are other types of commercial insurance for Oklahoma small business owners to consider beyond workers’ compensation insurance. These can help protect your business from additional risks:
We typically recommend:
General Liability
General Liability Insurance

General liability insurance can help protect your business from common accidents that result in damage to someone else’s property or injuries to someone other than an employee, such as a client or customer.

Commercial Auto
Commercial Auto insurance

Any vehicle owned by a business in Oklahoma must have commercial auto insurance. It helps cover expenses if you or your employees are in an accident while operating the vehicle for business purposes.

Errors & Omissions
Professional liability insurance (E&O)

Professional liability insurance, also called E&O insurance, helps protect your business from accusations of negligence and professional mistakes have hurt someone financially or physically.

Customer reviews

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Curzella J.
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I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability insurance
General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance
Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers' Compensation Insurance
Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto Insurance
Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment Insurance
Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property Insurance
Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy Insurance
Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

Check out our blog
Workplace safety tips every business owner should practice

Workplace safety tips every business owner should practice

Workers' Compensation insurance for contractors: when and why you need it

Workers' Compensation insurance for contractors: when and why you need it

The difference between Workers' Comp vs. disability insurance

The difference between Workers' Comp vs. disability insurance

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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