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D & E Insurance Agency

1903 N Main St,
Muskogee, OK 74401

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Can My Business Buy a Business Owners’ Policy?

Protecting your small to mid-sized Muskogee, OK area business proves simpler with a business owners’ policy (BOP) from D & E Insurance Agency. This package of four commonly needed insurance policies provides your business with vital financial protection at a better rate than purchasing the four policies separately. 

BOP Qualifications

Every insurance company uses its own modification of the criteria, but each applies four main requirements. To qualify for a BOP, a business must:

  • Maintain a staff of fewer than 100 individuals
  • Operate from an office or commercial space
  • Generate annual revenue of less than $1 million
  • Require one year or less of business interruption insurance.

Essentially, a BOP provides a strong foundation for a company while it remains in the startup phase.

How a BOP Helps Your Business

Buying a BOP package doesn’t just save you money on premiums. It automatically provides coverage for:

  • Commercial property
  • Bodily injury and property damage liability
  • Personal and advertising injury liability
  • Business interruption coverage.

With these important protections, a business remains covered from most perils and all liability situations.

You can also add other coverage to your commercial policy package, using the BOP as the foundation. Commonly added coverage includes a commercial auto policy, glass coverage if your business space features plate glass windows, and malpractice protection for attorneys and medical practitioners.

Contact Us for Coverage

Contact D & E Insurance Agency for a commercial insurance consultation for your Muskogee, OK business. We offer commercial policies that protect the financial future of your business. Call or email us today about a business owners’ policy for your company.

Four misconceptions out there about commercial insurance

Business owners need to be properly informed to make the right choices about commercial insurance. Unfortunately, there’s a lot of misinformation that business owners in Muskogee, OK could come across. At D & E Insurance Agency, we’re dedicated to informing business owners and helping them make the best decisions on insurance coverage.

The following are four misconceptions out there about commercial insurance:

Commercial insurance is always optional.

Commercial insurance is not always optional; in many cases, it’s mandatory. Laws and regulations may require businesses to carry certain types of insurance, such as workers’ compensation or liability coverage, to protect employees, customers, and the public.

Commercial insurance is not affordable for startup businesses.

Commercial insurance can be surprisingly affordable, even for startup businesses. By tailoring policies to specific needs and leveraging discounts, startups can obtain essential coverage without breaking the bank. This protects a business’s operations and helps achieve future growth.

Business owners can always get coverage under their partner’s commercial insurance policy. 

Business owners cannot always rely on their business partner’s commercial insurance policy. Each business should maintain its own insurance coverage to protect its interests, as relying on a partner’s policy may lead to coverage gaps or conflicts.

All commercial insurance policies are the same.

Commercial insurance policies are not one-size-fits-all. These policies are typically uniquely tailored to the specific needs that a business faces. That’s why business owners need to take the time to figure out what types of coverage and how much coverage their company needs. 

Consult With Us

Get the information you need on commercial insurance by contacting us at D & E Insurance Agency. Protect the financial future of your business in Muskogee, OK with the quality coverage we offer. Call now for a policy quote!

Types of Commercial Insurance

At D & E Insurance Agency, we offer many types of insurance, including commercial insurance, for residents of Muskogee, OK. Commercial insurance can provide financial protection for your business. 

What is Commercial Insurance

Commercial insurance differs from personal insurance policies because commercial policies are designed to protect businesses and business owners. 

Commercial Property Insurance

Commercial property insurance provides coverage for your place of business or buildings where you conduct business operations, including warehouses, stores, and manufacturing centers.

This coverage includes the structure, inventory, and property within the building. 

Commercial Auto Insurance 

Commercial auto insurance provides auto coverage for vehicles that are used as part of your business operations. This includes vehicles owned by the company and personal vehicles employees drive while completing job duties. 

Commercial General Liability

Commercial general liability provides protection from liability claims. If someone is injured or their property is damaged while visiting your business, this policy coves the damages. 

It also covers wrongful eviction, libel, copyright infringement, and damage to properties you are renting. 

Business Interruption Insurance

Business interruption insurance is important for small and medium-sized businesses. If you can’t operate your business due to covered property damage, this policy will compensate you until your business is open again. 

Worker’s Compensation Insurance

Worker’s compensation insurance will cover the medical expenses and lost income of employees if they are injured on the job. If you have one or more employees, Oklahoma requires worker’s compensation coverage. 

Business Owner’s Policy 

A business owner’s policy combines commercial property insurance, general liability, and business interruption insurance into one easy-to-manage policy. 

Reach Out To Us

If you are in Muskogee, OK and need commercial insurance, contact us at D & E Insurance Agency. Our knowledgeable agents are here to help you select the policy that meets your needs. 

Does Commercial Insurance Protect Against Cyber Crime?

Commercial insurance or business insurance protects the owner from various risks. One significant risk to businesses of all sizes today is cybercrime. Most business or commercial policies cover liability related to cybercrime. Remember to make sure the policy you choose covers liability for data breaches if you have an online presence. Let the experts at D & E Insurance Agency serving Muskogee, OK assist you with acquiring a policy that fits your needs. 

Commercial Coverage

Commercial insurance is designed to protect businesses and owners from many risks. They can include client lawsuits, data breaches, theft, and natural disasters. Commercial coverage is essential for all types of businesses. However, you can customize your coverage and add coverage that meets your needs and offer more protection from the unexpected.

Businesses of all sizes and types need commercial insurance. If you need help determining which type of insurance works best for your situation, we can help. Our agents are highly insightful and trained to assist customers with selecting the proper coverage. 

Residents needing commercial insurance can sit down with one of our top insurance experts, who can provide solutions based on their current and future needs. We strive to ensure each individual gets exceptional customer service they need to protect the things that are most important to them. 

Reach Out Today

If you want to learn more about commercial insurance protection that’s right for your needs, reach out to us today. Call or stop by D & E Insurance Agency in Muskogee, OK and let us get started helping you get the proper protection. We want to ensure customers have insurance products that offer them security and peace of mind. 

Required Commercial Insurance in Oklahoma

If you own a business in Oklahoma, it’s important to have all of the commercial insurance that you need to keep it well-protected. It’s helpful to know what kind of policies are available as well as which types may be mandated by the state for your business. Many businesses are required to have certain types of commercial insurance in order to provide protection to the public, but these policies also protect your business.

To get the business insurance you need, call us at D & E Insurance Agency in Muskogee, OK to get started. 

Required Commercial Insurance in Oklahoma

Workers’ Compensation Insurance

This is a type of commercial insurance that protects both you and your employees. In Oklahoma, every business that has any number of employees, even just one, is required to have workers’ compensation insurance, often referred to as workers’ comp. It is required whether your employees are part-time or full-time. This type of commercial coverage pays for the many costs that can be due after an employee has an accident with an injury while working. If there is an accident, the policy pays for their medical bills, any legal costs associated with the injury, and disability benefits to the employee if they are needed. This ensures that those costs can be covered no matter what the size of the business. 

Commercial Auto Insurance

Also required by the state is commercial auto insurance when applicable. When an Oklahoma business owns a vehicle, it must be covered by one of these policies. This ensures that after an accident, the insurance company will pay for the claim. If you have personal insurance on a work vehicle, the company is unlikely to pay any part of the claim. Having this insurance protects your business as well as people who get into an accident with one of your company’s vehicles. 

Get Commercial Insurance

When you need this type of insurance, we can help. Call us now at D & E Insurance Agency in Muskogee, OK.

How to Properly Insure Your Business Against Potential Risks

As a business owner, you know that there are always potential risks lurking around every corner. Whether it’s a natural disaster, a faulty product, or even a lawsuit, it’s important to have your business properly insured against any potential losses. But with so many different types of insurance available, it can be tough to know where to start.

D & E Insurance Agency in Muskogee, OK offers this guide on how to properly insure your business against potential risks, so you can rest easy knowing that your livelihood is protected.

How to Properly Insure Your Business Against Potential Risks

1. Understand the Most Common Types of Business Insurance

There are a few different types of insurance that are commonly used to protect businesses. The most common type is property insurance, which covers damage to your business property (e.g., your office, inventory, etc.). You’ll also need to carry workers’ compensation insurance if you have employees. And if you’re selling products or services, you’ll need product liability insurance to protect against any losses that might occur due to a defective product.

2. Know What Your Business Needs

Once you understand the most common types of business insurance, it’s time to start thinking about what your business needs. Not all businesses need the same type or amount of insurance, so it’s important to assess your risks and determine what coverage is right for you. If you’re unsure where to start, talk to your insurance agent or broker about what type of coverage is right for your business.

3. Get the Right Amount of Coverage

Once you know what type of insurance you need, it’s time to ensure you have the right amount of coverage. The amount of coverage you need will depend on the size and type of your business and the risks you face. Again, your insurance agent or broker can help you determine the right amount of coverage for your business.

4. Review Your Coverage Regularly

Your business is constantly changing, so it’s important to review your insurance coverage regularly. As your business grows, you may need to increase your coverage to ensure you’re properly protected. Similarly, your insurance needs may change if you move to a new location or introduce new products or services. By reviewing your coverage regularly, you can ensure that your business is always properly protected.

Give Us A Call

No matter what type of business you have, it’s important to have the right insurance in place to protect against potential risks. D & E Insurance Agency can help you find the right coverage for your business in Muskogee, OK or surrounding areas, so you can rest easy knowing that your livelihood is protected. Contact us today to get started.

Why home-based businesses need commercial insurance

About 50% of all businesses are home-based. There are many reasons for their popularity, but when you are considering starting your own business, it takes less cash outlay if you don’t have to rent a building for your business. It also allows more freedom to run your business out of your home. Protecting your home business is every bit as important as one with a brick-and-mortar location. D & E Insurance Agency in Muskogee, OK is your local independent insurance agent and we take the time to get to know our customers to better serve them. 


Home insurance includes liability coverage and it will protect you from an injury that happens to one of your guests or to someone a member of your family injures. If you are using your home for business and customers or clients are visiting you there, they will not be covered by your home insurance liability coverage. You need to have specific commercial liability in order to protect yourself and your assets. 


Home insurance protects your home from a variety of hazards. In the event that something happens to your home, your business could be seriously damaged. Home insurance is going to have very little coverage for your business machinery, office equipment, and other things that you need to do business. You need these things to do business, it is important that you make sure you have the coverage you need. 


If you are using your personal auto for business purposes, you need to have commercial auto insurance. A personal auto policy will not cover any damage that is incurred while you are using your vehicle for business purposes. It isn’t worth the risk not to have it. 

Contact D & E Insurance Agency in Muskogee, OK to discuss the importance of commercial insurance to home-based businesses.

Required Commercial Insurance in Oklahoma

Oklahoma has two types of commercial insurance that the state requires for many businesses. These are both important for protecting your business against huge costs and lawsuits. When your business needs commercial insurance, call us now at D & E Insurance Agency in Muskogee, OK.

Workers’ Compensation

Workers’ compensation insurance is a type that pays for the resulting costs that are caused by an accident or occupational illness that an employee gets from work. This insurance allows the policy to pay for the medical bills as well as lost wages and certain other costs that are left behind after an accident or illness. In Oklahoma, you are required to have this coverage if you have any number of employees at all. Even if you employ only one part-time worker, your business must have workers’ compensation for that worker. 

Commercial Auto Insurance

For Oklahoma businesses, if your company owns a vehicle, you must have a commercial auto policy for that vehicle. This insurance has specific minimum amounts of coverage that are set by the state. These include a specific amount for bodily injury liability for a single person who gets injured in an accident. There is another, higher, amount required for everyone who is injured in the accident. There is also a minimum amount for property damage liability coverage. All of these coverage types have relatively low minimum amounts required, and adding higher amounts to these can help you to get a serious accident paid for. If you don’t have enough insurance coverage to pay for the medical bills and/or property damage, it will be up to you to pay for what is left. 

Get Your Business Covered

Your business needs to stay compliant with state laws, and you may need commercial insurance in order to do so. Call us at D & E Insurance Agency in Muskogee, OK.

Is Commercial Insurance a Necessity?

According to Small Business Administration, over 355,000 small businesses in Oklahoma employ more than half of the state’s workforce. Therefore, as a small business owner in Muskogee, OK, it’s imperative to consider various types of commercial insurance to cushion your business. Incidences such as customer slips and falls, natural calamities, theft, and employee injuries can threaten your financial stability. Thankfully, at D & E Insurance Agency, we provide various commercial insurance options to cater to various business needs.

Is commercial insurance mandatory in Oklahoma?

Oklahoma State requires businesses with employees, whether part-time or full-time, to maintain workers’ compensation insurance. This policy pays for medical expenses for work injuries and illnesses. Additionally, Oklahoma advocates that all business-owned vehicles get covered with commercial auto insurance. 

Besides compliance, here are additional benefits you accrue when you invest in commercial insurance?

Secure your finances.

If a fire or other covered peril forces your business venture to close, business income insurance can compensate your lost income due to these disruptions. Again, business insurance pays for losses incurred when a covered peril destroys assets. Commercial insurance is an absolute necessity because it helps you pay for damages, employees’ injuries, and lawsuits that you would otherwise have to settle out-of-pocket.

Protects your customers.

If you purchase a business owner’s policy (BOP), which combines business property and business liability coverage, it safeguards your business against bodily injury, product liability, and advertising injury from customers and other parties.

Commercial insurance helps with lawsuits. 

Every business venture is vulnerable to lawsuits attracting legal fees. However, you can safeguard your business against lawsuits by purchasing general business liability coverage. This policy assists in payments of costs emanating from lawsuits filed by your employees or clients. 

It covers data breach damage.

Data breaches and cyber-attacks can affect any business with an online presence. Cyber liability insurance helps to cover ransom payments to hackers, negotiation costs, legal costs, and other recovery costs following a malicious online attack.

Buy commercial insurance today!

It’s paramount to determine the amount of commercial insurance you need to procure. For Muskogee, OK business owners, don’t be frustrated in establishing the amount of insurance you require. When you start your insurance journey with D & E Insurance Agency, we will assist you in landing coverage that matches your needs and budget. Contact or visit us today!

How commercial insurance can benefit my small business

Small businesses are the foundation of the American economy. More than 95% of Oklahoma businesses are small businesses and employ more than 50% of the private workforce. This makes keeping your small business operating important to both you and your employees. So many things can go wrong, and nobody knows better than you as a business owner. Commercial insurance can protect you from many of them. Your insurance agent will access your risk and make suggestions for the types of coverage that would offer you the best protection. In Muskogee, OK, D & E Insurance Agency provides personalized service to all our customers. 

Commercial liability

As a business owner, you are all too aware of how vulnerable to being sued you are. If you aren’t, you should be. More than 50% of civil lawsuits target small businesses. You can be prepared for anything that happens by having the right amount of commercial liability coverage. Whether someone is injured while visiting your place of business or by one of your products, you will be covered for legal expenses and any judgment against you. 

Commercial property insurance

Even if you rent the building that houses your business, commercial property insurance offers important coverage. It will help you get back into operation if you are hit by a covered hazard like a fire or storm. It covers your company’s physical assets, machinery, office equipment, records, inventory, and all the property you need to run your business. 

Business Owner’s Policy

A business owner’s policy (BOP) combines commercial liability and commercial property insurance. It usually is less expensive than getting the policies separately. Other coverages to consider are commercial auto, business interruption, and workers’ compensation.

Contact D & E Insurance Agency in Muskogee, OK with any questions you may have about your commercial insurance needs. 

Partner Carriers

  • Access Insurance Company
  • American Modern
  • AmWINS
  • Equity Insurance Company
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  • Harbor
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  • National Lloyds
  • The National Security Group
  • Progressive
  • Traders Insurance
  • Travelers
  • UAIC