Commercial Insurance in Oklahoma
Running a business means balancing opportunity with risk — that’s where Zoellner Insurance Agency comes in. We specialize in commercial insurance in Oklahoma, helping small business owners and corporations alike protect what they’ve built from life’s unexpected turns.
Protecting Oklahoma Businesses with Customized Insurance Coverage
General Liability Insurance
Protect your business from everyday risks with General Liability Insurance. This essential coverage helps pay for bodily injury, property damage, and legal defense costs if someone makes a claim against your company. Whether you own a small retail shop in Tulsa or a growing business in Oklahoma City, our general liability policies are customized to fit your needs and budget — ensuring your company stays protected from costly lawsuits or accidents.
Commercial Property Insurance
Your business property is one of your biggest investments — safeguard it with Commercial Property Insurance. This policy helps protect your building, equipment, furniture, inventory, and other assets from losses caused by fire, storms, theft, or vandalism. At Zoellner Insurance, we work with trusted carriers to create affordable property insurance solutions for Oklahoma businesses, so you can focus on running your operations while we protect your assets.
Business Auto Insurance
If your company owns or uses vehicles for work, you need Business Auto Insurance. This coverage helps pay for accidents, property damage, medical expenses, and liability involving vehicles used for deliveries, transportation, or client visits. We offer custom commercial auto policies for small and large businesses across Oklahoma, including fleets, contractors, and service companies. Keep your drivers and your business protected every mile of the way.
Workers’ Compensation
Protect your employees — and your business — with Workers’ Compensation Insurance. This policy covers medical expenses, lost wages, and rehabilitation costs for employees injured or ill due to work-related incidents. In many states, including Oklahoma, workers’ comp coverage is required by law. Our team can help you stay compliant while securing affordable rates and the right level of protection for your staff.
Professional Liability
Mistakes happen — but with Professional Liability Insurance (E&O), they don’t have to derail your business. This coverage protects professionals and service providers from claims of negligence, errors, or omissions that result in financial loss for a client. Ideal for consultants, contractors, and licensed professionals, Zoellner Insurance provides custom E&O insurance plans designed for your specific industry. Stay confident and covered, no matter what challenges arise.
Business Owners Policy
Simplify your protection with a Business Owner’s Policy (BOP) — a convenient package that combines General Liability and Commercial Property Insurance into one affordable plan. Perfect for small businesses, a BOP covers the essentials while offering options for business interruption and crime coverage. Our team helps Oklahoma business owners bundle their policies, save money, and keep their coverage simple yet comprehensive.
Why Businesses Choose Zoellner Insurance
As an independent insurance agency in Oklahoma, we partner with multiple trusted carriers, allowing us to compare quotes and find the best protection for your budget. Our local expertise means you get personalized service, faster response times, and real agents who care about your success — not just your policy.
As an independent insurance agency in Oklahoma, we partner with multiple trusted carriers, allowing us to compare quotes and find the best protection for your budget. Our local expertise means you get personalized service, faster response times, and real agents who care about your success — not just your policy.
WE ARE PROUD TO PARTNER WITH THESE CARRIERS:
“As businesses owners ourselves, we understand the importance of saving money. Our guarantee at Zoellner is to search for the most cost-effective solution for you and your business. Allow us to show you the Zoellner difference.”
Chuck Zoellner - Owner & Chiropractor
FAQs
Everything You Need to Know About Business Insurance
Some coverages are required. For example, Workers’ Compensation is mandatory if you have employees, and Commercial Auto Insurance is required for business-owned vehicles. Other coverages like General Liability or Property Insurance may be optional but are strongly recommended to protect your business financially from lawsuits or property damage.
The coverage you need depends on your business type, size, and risks. Most Oklahoma businesses start with General Liability Insurance and a Business Owner’s Policy (BOP) to cover property and liability. If you have employees, Workers’ Compensation is often required by law. Contractors, consultants, and service professionals should also consider Professional Liability (E&O) protection.
General Liability Insurance helps cover costs if your business causes bodily injury or property damage to others. It also includes legal defense fees if you’re sued and may cover advertising injuries such as slander or copyright claims. It’s essential protection for any Oklahoma business that interacts with customers, vendors, or the public.
A Business Owner’s Policy (BOP) combines General Liability and Commercial Property Insurance into one bundle. A standalone General Liability policy covers injury or damage you cause to others but not your own property. A BOPadds protection for your building, inventory, and equipment — giving small businesses broader coverage at a discounted rate.
The cost depends on factors like your industry, revenue, number of employees, and coverage limits. On average, small business insurance in Oklahoma can range from $40 to $120 per month for basic liability, while bundled BOPs or specialized policies may vary. Zoellner Insurance can compare rates from multiple carriers to find the most affordable option for your needs.
If you offer professional advice or services, then yes — you should consider Professional Liability Insurance (also known as Errors & Omissions coverage). It protects against claims of negligence, mistakes, or failure to deliver promised results. This is especially important for consultants, contractors, and licensed professionals across Oklahoma and surrounding states.
Absolutely. While we’re based in Oklahoma, Zoellner Insurance serves clients across the AAA Club Alliance region, including Ohio, Delaware, Maryland, Pennsylvania, New Jersey, Kansas, South Dakota, and West Virginia. Our licensed agents can help your business compare policies and stay compliant with regional insurance requirements.
Get a Free Commercial Insurance Quote
Don’t wait until the unexpected happens. Contact Zoellner Insurance Agency today for a free, no-obligation quote. Whether you’re a new entrepreneur or managing a large operation, we’ll make sure your coverage grows with your business.
This site serves residents of the AAA Club Alliance service area which includes Greater Hartford, CT Area, Cincinnati Tri-State Area, Miami County, OH, Greater Dayton, OH Area, Northwest Ohio, AAA Blue Grass & Bluefield Regions, Southern West Virginia, Kansas, Oklahoma, South Dakota, Delaware, Maryland, Washington DC, and parts of Virginia, Pennsylvania, and New Jersey. Write Us: AAA Club Alliance, One River Place, Wilmington, DE 19801