State of Oklahoma Workers’ Compensation Insurance

An A-Z guide on everything you need to know before you purchase an Oklahoma Workers' Comp Insurance Policy

State of Oklahoma workers’ compensation insurance is required for every employer, even those with a single part-time worker. This policy provides benefits to employees who are injured on the job.

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Sole proprietors are excluded but can purchase coverage if they wish to be included in a policy

Self-employed professionals are not required to carry workers’ compensation insurance in Oklahoma

Is workers’ comp insurance required in Oklahoma?

Oklahoma requires businesses with 1 employees to carry workers’ compensation insurance. That said, the state exempts some business and employee types, including the following:

  • An employer in the agricultural/horticultural industry with less than $100,000 in payroll would not consider ag/hort workers from the previous year as employees.
  • Federal employees or anyone else covered “for injuries, disease, or death arising out of and in the course of employment under any Act of Congress”.
  • Real estate associates and brokers who are paid on a commission basis.
  • Those providing services in a medical care or social services program (except nursing homes).
  • Those participating in work training programs administered by the Department of Human Services (unless federal law requires that such coverage be provided).
  • Any employee of a business with five or fewer total employees if the employees are related (by blood or marriage,) “if the employer is a natural person or a general or limited partnership, or an incorporator of a corporation if the corporation is the employer”.
  • Independent contractors are not employees and are not eligible for workers’ compensation insurance.

LLCs who own at least 10% of the company’s capital

Another interesting difference in Oklahoma workers’ comp laws is how they treat members of LLCs who own at least 10% of the company’s capital. The state considers these “non-employees”. As such, they are not required to be covered by workers’ compensation, although it is highly recommended that they do so. Employees who hold stock in the companies that employ them are also considered “non-employees” for workers’ compensation insurance.

How much is workers’ comp coverage in Oklahoma?

Your Oklahoma workers’ comp rate will depend on the following factors:

  • The type of business you have
  • The size of your payroll
  • Your safety record
  • Claim history

You can learn more about Oklahoma's workers’ comp rates here.

workers comp policy cost

How can Oklahoma small business owners save money on workers' comp?

It’s possible to save a surprising amount of money on your workers’ compensation insurance in Oklahoma by:

What does workers’ comp cover in Oklahoma?

Workers who file a workers' comp claim in Oklahoma can receive benefits for the following:

workers comp covers medical bills

Medical bills

workers comp covers lost wages

Lost Wages

Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.

How do I get workers’ compensation insurance in Oklahoma?

Oklahoma businesses are allowed to purchase workers’ compensation insurance from private insurance companies serving the state, such as Kickstand Insurance, where you can obtain a quote in just seconds. However, some businesses in high-risk industries may find their options rather limited. In this case, Oklahoma’s assigned risk market program can help.

Finally, large businesses may choose to self-insure. However, this is usually reserved solely for enterprise-level companies. These firms must also apply for a permit to self-insure through the state’s Workers’ Compensation Commission.

What are the penalties for failing to carry workers’ compensation insurance in Oklahoma?

If you’re required to carry workers’ compensation and fail to do so, you could face serious ramifications. These include:

  • Liability for lawsuits from injured workers.
  • A $1,000 fine for every day you fail to comply with the state’s workers’ compensation laws.
  • A full shutdown of your business for failure to provide workers’ compensation insurance or to pay the penalties assessed by the state.
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How does workers’ compensation insurance protect employers?

Workers’ comp insurance protects Oklahoma employers by limiting their financial liability if an employee is injured on the job, while performing job-related duties, or gets sick from a work-related cause.

What are workers comp death benefits in Oklahoma?

If an employee is killed on the job or while performing job-related duties or dies due to injuries sustained in these situations, the following death benefits may be due:

  • Up to $10,000 in funeral expenses
  • Up to $1,038.31 per week until the youngest dependent turns 18
  • Up to $200,000 split between the surviving spouse and children if a lump sum payout is chosen.

You can find a full breakdown of Oklahoma’s death benefits at the state’s Workers’ Compensation Commission.

How do workers’ compensation settlements work in OK?

In a settlement, the worker (or their survivors), the employer, and the insurance company must agree to a lump sum settlement amount. The state has specific maximums ($100,000 for the spouse and up to $25,000 per child) that apply.

What are the statutes of limitations for workers’ comp in OK?

Like all states, Oklahoma has specific statutes of limitations when it comes to filing workers’ comp claims. Employees must file a claim within two years of the date of injury or death, the date of payment of compensation/wages instead of compensation, or the date when medical care for the injury began.

How do I get a workers’ comp insurance policy with Kickstand Insurance?

Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
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Ready to get started with Kickstand?

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert OK agents. It’s that simple!