Oklahoma Restaurant Insurance: 10 Must-Have Coverages in 2025

Running a restaurant in Oklahoma isn’t for the faint of heart. Between unpredictable weather, tight labor markets, and the growing list of legal risks, it’s a daily balancing act. And while good food and loyal customers keep your doors open, smart insurance is what keeps them from closing unexpectedly.

Did you know Oklahoma averages more than 60 tornadoes a year? That’s from the NOAA Storm Prediction Center. And that’s just one of the many reasons your coverage needs to do more than check a box, it needs to be built around real risks.

Whether you're serving up burgers in Edmond or craft cocktails in Midtown OKC, here’s a breakdown of the essential insurance coverages every restaurant in our state should consider for 2025.

Oklahoma-Specific Restaurant Risks at a Glance

Risk	Why It Matters	Coverage Needed
Tornadoes, 60 plus per year	Can force long closures, destroy equipment	Property, Business Interruption
Cyber attacks, up 35 percent in 2023	Point of sale breaches and ransomware are rising	Cyber Liability
Dram Shop Laws	Restaurants can be sued for over serving alcohol	Liquor Liability
High employee turnover	Increases exposure to HR disputes	EPLI
Flash floods, Moore, Norman, Tulsa	Property policies typically exclude flood damage	Flood Insurance

💡 Real talk, these are not might happen risks, they happen. Often. And your insurance should reflect that.

Tier 1 Insurance, Core Coverage Every Oklahoma Restaurant Needs

General Liability Insurance

Think customer slip and falls, property damage, or someone claiming your food made them sick. This is the foundation of any business policy.

Liquor Liability Insurance

If you serve alcohol, you are on the hook if someone you served causes harm. General liability will not cover it, liquor liability will.

Property Insurance

Covers your building, kitchen gear, signage, and inventory against damage from things like fire, hail, and yes, tornadoes.

Workers’ Compensation Insurance

Required by Oklahoma law. It covers employees who get hurt on the job, from burns to back injuries.

Cyber Liability Insurance

Restaurants are a favorite target for hackers. Cyber liability helps you recover if your point of sale system is breached or customer data is stolen.

Employment Practices Liability Insurance, EPLI

Covers you against employee claims like wrongful termination, harassment, or discrimination. With tight hiring and fast turnover, this one is more relevant than ever.

Tier 2 Insurance, Smart Add Ons for Operations and Delivery

Hired and Non Owned Auto, HNOA

If your team uses their own cars for deliveries or errands, your business could still be liable in an accident. This coverage fills that gap.

Business Interruption Insurance

A fire, storm, or power outage could shut you down. This keeps income flowing and bills paid while you recover.

Tier 3 Insurance, Optional, but Valuable

Commercial Auto Insurance, for restaurant owned vehicles or food trucks.
Flood Insurance, required in FEMA zones, smart for anyone in low lying areas.
Crime Insurance, covers theft, yes, even employee theft.
Umbrella Liability, kicks in when your primary policies hit their limits.
Food Contamination Insurance, covers spoilage, contamination, and losses from health scares.
Key Person Insurance, if your chef, GM, or partner becomes disabled, this can help cover the loss.

Why You Need a Local Expert on Your Side

Restaurant insurance is not one size fits all, especially not in Oklahoma. Between liquor laws, storm seasons, and local health codes, your policy needs a local touch.

That is where Conway Insurance comes in. We understand the risks that come with running a restaurant here, because we live and work in the same communities you do.

Ready to Protect Your Restaurant

Do not let a storm, lawsuit, or staffing issue catch you unprepared. Let us put a plan in place that actually fits your operation.

🔒 Need coverage fast, schedule a free restaurant insurance consultation

No pressure
No cookie cutter quotes
Just clear answers and the right protection

What Was Not Included

Visual infographics, grab the downloadable PDF version
Real customer testimonials, we will gladly add yours
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A Quick Word on Schema Markup

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Improves visibility in local search
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Oklahoma Auto Insurance Discounts You Can Actually Qualify For

By Steven Conway • December 17, 2025

Auto insurance discounts can feel like Bigfoot — everyone talks about them, and if you’ve spent time in Broken Bow or Hochatown, you know some folks swear they’ve seen one. But actually finding a discount that applies to you? That’s another story. At Conway Insurance, we help Oklahomans cut through the gimmicks and find the discounts that are real, practical, and can actually lower your bill. Whether you’re in Oklahoma City, Edmond, Norman, Midwest City, Tulsa, or down in Broken Bow, here’s what you need to know about saving money without sacrificing protection. If you’re looking for affordable auto insurance in Oklahoma without cutting corners, you’re in the right place. TL;DR – Quick Guide to Oklahoma Auto Insurance Discounts Looking for affordable auto insurance in Oklahoma without cutting coverage? Here are the biggest ways Oklahomans save: 🎓 Good Student – Teens/college drivers with B average or better. 🚗 Multi-Car & Multi-Policy – Biggest savings for families, bundles, or renters + auto. 📱 Safe Driver / Telematics – Drive safely, get rewarded (Progressive Snapshot, GEICO DriveEasy). 💻 Auto-Draft & Paperless – Small but easy savings for e-sign and autopay. 🛡️ Loyalty & Continuous Coverage – Stick with your carrier, avoid lapses, earn better pricing. 🏠 Bundle with Renters/Home – Even a small renters policy can drop your auto rates. 🎖️ Military Discounts – Available with carriers like GEICO for active, retired, Guard/Reserve. 🧾 Defensive Driving & Driver’s Ed – Great for teens, mature drivers, or ticket clean-up. ⚡ Bonus Discounts – Hybrid/EV, early renewal, prior carrier, professional group credits. 👉 Not all discounts apply to all drivers; eligibility varies by carrier and may change at renewal. We’ll shop Progressive, GEICO, Safeco, Mercury, NatGen, and more to find what fits you. Why Discounts Get Confusing Carriers love to advertise “up to 20% savings,” but here’s the fine print: not every discount applies to every driver. That’s why one person leaves smiling, while another wonders why their rate didn’t budge. And let’s be honest — it’s frustrating when you see ads promising huge savings, but your own quote barely changes. Sound familiar? As an independent agency, Conway Insurance shops Progressive, GEICO, and other trusted carriers to match you with the discounts you actually qualify for — no false promises.

Buying a Car in Oklahoma? 7 Costly Mistakes (and How Insurance Fits In)

By Steven Conway • December 3, 2025

You’ve driven up to a car dealership in Edmond, Norman, Tulsa, or one of the hundreds across Oklahoma for a test drive — fallen in love with the leather seats, the new-car smell, and the salesperson’s “today-only deal.” You’ve convinced yourself the monthly payment isn’t that bad. You know the look — that “today-only deal” grin. Then come the tag fees… and that insurance quote you didn’t see coming. Buying a car isn’t just about the test drive and financing; it’s about understanding the hidden costs that follow you home — like insurance. 🧾 TL;DR – Quick Guide 🚘 Buying a car in Oklahoma? Avoid these seven mistakes: ❌ Don’t skip VIN checks ❌ Don’t rely on minimum coverage 💬 Quote your insurance before signing 🛡️ Protect yourself with GAP and comprehensive coverage 📋 Review your policy afterward 🤝 Keep your agent in the loop — small details prevent big problems 🧭 Oklahoma Quick Facts • 13% of Oklahoma drivers are uninsured • State minimum liability: 25/50/25 — meaning $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage • Average new vehicle cost: $48,000 • Average Oklahoma tag & title fees: $300–$600 per vehicle 💡 Translation: A single crash involving a newer SUV could exceed the state’s minimum property-damage limit instantly.