Business Liability
&
Workers' Compensation

Every business carries liability exposure, and most businesses with employees are required to carry workers’ compensation. The Stewart Agency works with Tulsa business owners and contractors to review their operations, explain their options, and compare coverage from a wide range of carriers.

What General Liability Covers

Bodily Injury

Injuries to customers, vendors, or visitors connected to your business.

Property Damage

Damage your operations cause to someone else’s property.

Products and Completed Operations

Claims arising from products you sell or work you have finished.

Personal and Advertising Injury

Claims such as libel, slander, or copyright infringement in your advertising.

Workers' Compensation

Workers’ compensation pays medical expenses and lost wages for employees injured on the job, and it includes employers liability coverage. Oklahoma requires most employers to carry it, and many contracts require proof of coverage before work begins.

What Business Owners Should Review

  • Classification codes. These should accurately reflect your operations and affect both coverage and premium.
  • Payroll and revenue estimates. These determine your premium and are verified at audit.
  • Contract requirements. Such as additional insured status, waivers of subrogation, and primary and noncontributory wording.
  • Subcontractor coverage. Uninsured subcontractors may be added to your premium at audit.
  • Certificates of insurance. We issue them on your behalf for clients and general contractors.
  • An umbrella policy. It adds liability limits above your general liability, auto, and employers liability coverage.

Why Work With an Independent Brokerage

Our relationships with a wide range of carriers allow us to compare coverage and pricing for your business, from straightforward needs to more complex risks. As your business grows, you have one advisor who understands your operations and helps keep your coverage aligned with your needs.

Common Questions

Most Oklahoma employers are required to carry workers’ compensation for their employees. Questions about whether an exemption applies to your business should be directed to the Oklahoma Workers’ Compensation Commission or your attorney.

It is a document that shows proof of your coverage. Clients and general contractors often request one before work begins, and we issue them on your behalf.

At the end of the policy term, the carrier compares your actual payroll or revenue to the estimate used to price the policy and adjusts the premium up or down.

What Our Customers Are Saying

Anna was tremendous to work with. Her skill and experience really showed as she helped me navigate our options for my business’ insurance. Very reliable and responsive to questions. Couldn’t recommend enough!
Derek, Verified Google Review
Their quotes are extremely competitive, the team is very knowledgeable and friendly, and most importantly they are responsive and fast. Five star experience at The Stewart Agency.
Chris, Verified Google Review
Anna came through for us when it seemed like we would be unable to obtain coverage for our rental property. She was remarkable. I would highly recommend Anna and The Stewart Agency without reservation.
Ted, Verified Google Review
Anna has been my insurance agent for several years. She writes my personal and business insurance coverage, and she is a knowledgeable, professional, and caring insurance agent.
Larry, Verified Google Review
From start to finish, they were incredibly helpful, professional, and genuinely cared about finding the best coverage for my needs. Every question I had was answered quickly and clearly, and the entire process was seamless.
Natasha, Verified Google Review
I could not have navigated through what I needed without Anna’s knowledge of the industry. Her guidance and patience were so helpful.
Lance, Verified Google Review
The Stewart Agency made it so easy and had options available for me quickly. What I also appreciate is that they gave me information that another agency had not been transparent about.
Kimberly, Verified Google Review
Anna and her team are amazing with first class all the way. She has a heart of gold and truly cares about the people she helps.
Lisa, Verified Google Review
I highly recommend her to help you navigate the insurance maze. She is genuine, hardworking, and ready to help!
Dee, Verified Google Review
Wonderful to work with and such a pro! Anna knows her stuff!
Steven, Verified Google Review

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