Business insurance • Oklahoma roofing contractors
Oklahoma Roofing Contractor Insurance: CIB Registration and $500,000 Liability
Oklahoma requires every roofing contractor, resident or not, to register with the Construction Industries Board (CIB). Registration requires at least $500,000 of general liability for residential work, or $1,000,000 for commercial roofing, plus proof of workers’ compensation or an exemption, renewed every year.
This guide covers Oklahoma roofing registration, 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 roofing business.
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Oklahoma roofing registration
| Requirement | Residential only | Commercial endorsement |
|---|---|---|
| General liability | $500,000 | $1,000,000 commercial general liability |
| Certificate holder | Construction Industries Board | Construction Industries Board |
| Workers’ comp | Proof of coverage or exemption | Proof of coverage or exemption |
| Renewal | Every year | Every year |
Source: Oklahoma Construction Industries Board. Working without registration is a misdemeanor with a fine of up to $500.
Coverage most Oklahoma roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Oklahoma roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Oklahoma roofing insurance FAQs
Do Oklahoma roofers need to register?
Yes. All roofing contractors, resident and nonresident, must register with the Construction Industries Board.
How much liability insurance do Oklahoma roofers need?
$500,000 for residential-only work and $1,000,000 commercial general liability for commercial roofing.
Do Oklahoma roofers need workers’ comp?
Registration requires proof of workers’ compensation coverage or an exemption.
Related guides
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, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your Oklahoma roofing business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
