Business insurance • Oklahoma plumbing contractors
Oklahoma Plumbing Contractor Insurance: CIB License, $5,000 Bond, and Coverage
Oklahoma’s Construction Industries Board (CIB) licenses plumbing contractors. The license stays inactive until the CIB receives a $5,000 corporate surety bond and a certificate showing at least $50,000 of commercial general liability, both in the license holder’s name. Contractors need three years of experience and a year as a licensed journeyman.
This guide covers Oklahoma plumbing contractor licensing, the bond and insurance minimums, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Oklahoma, and a licensed agent can compare quotes for your plumbing business.
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Oklahoma plumbing contractor license
| Requirement | Detail |
|---|---|
| Surety bond | $5,000, continuous, payable to the CIB, in the licensee’s name |
| General liability | At least $50,000, with the CIB as certificate holder |
| Experience | Three years in the trade plus one year as a licensed journeyman |
| Fees | $330 to apply, $200 annual renewal |
Sources: Oklahoma CIB plumbing application, ServiceTitan (Oklahoma plumbing license guide).
See our Oklahoma contractor license bond guide.
Coverage most Oklahoma plumbers carry
The $50,000 license minimum is low for plumbing work, so many contractors carry higher limits when clients or general contractors ask for them.
- General liability: third-party injuries and property damage, such as a failed fitting that floods a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop and stock, often at a lower combined price.
- Workers’ compensation: medical bills and lost wages if an employee is hurt on the job.
- Commercial auto: service vans and trucks that carry crews, parts, and equipment.
- Tools and equipment (inland marine): pipe threaders, drain machines, and cameras on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Oklahoma plumbers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $147 | $1,768 |
| Business owner’s policy | $213 | $2,559 |
| Workers’ compensation | $179 | $2,150 |
| Commercial auto | $285 | $3,415 |
| Tools and equipment | $42 | $505 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $93 | $1,111 |
Costs reported by Insureon for plumbing businesses that bought policies through its site, mostly with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Oklahoma plumbing insurance FAQs
What bond does an Oklahoma plumbing contractor need?
A $5,000 corporate surety bond payable to the Construction Industries Board.
How much liability insurance does an Oklahoma plumbing contractor need?
At least $50,000 of commercial general liability, with the CIB as certificate holder.
When does an Oklahoma plumbing license become active?
Only after the CIB receives proof of the bond and insurance.
Related guides
- Plumbing contractor insurance
- Oklahoma roofing contractor insurance
- Oklahoma contractor license bond
- Oklahoma contractor insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- Oklahoma electrical contractor insurance
- Oklahoma HVAC contractor insurance
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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