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Dental Professional Liability With over 50 years of experience, 3000 Insurance Group protects more dentists in Oklahoma than any other agency. Put your professional liability with the strongest and most experienced brand in Oklahoma. Get a Quote ODA Highlights New to Practice Discounts The first year of coverage is only $50 for new graduates. Pure Consent No claims will ever settle without your consent. No exceptions. Claims Defense Medical Protective provides expert claims defense that wins 95% of all dental trials. Cyber and Privacy Liability This additional coverage continues to develop and is included in your policy at no additional cost. Section Title This is a Paragraph. Click on "Edit Text" or double click on the text box to start editing the content and make sure to add any relevant details or information that you want to share with your visitors. Slide Title This is a Paragraph. Click on "Edit Text" or double click on the text box to start editing the content.

Personal | Business | Life & Health Insurance for Everything. One Agency for You. Start with a Quote! Select a Service Choose an option Insurance Type Choose an option Association Choose an option Tell us how we can help I understand that insurance coverage is not bound or altered until I receive confirmation by an authorized representative of 3000 Insurance Group Submit "What makes 3000 Insurance Group different than other insurance companies I see advertised?" As an independent agent, we can find quotes from multiple carriers in order to find the best coverage and price for you. We do the shopping so you can save time and money . "What insurance do you offer?" We can find coverage to protect anything in your personal and business life. We are the one stop shop for you, your loved ones and your employees' insurance needs. Blue Cross Blue Shield Chubb Hartford Blue Cross Blue Shield 1/12 3000 Insurance Group is endorsed by some of Oklahoma's largest professional associations. Members of these associations trust us to help with their business, benefits, disability, life, or personal insurance policies. Click your association below to learn more. Endorsed Associations ODA OBA OSCPA OKCNP OAOP What Clients Say "3000 Insurance Group has been my insurance company for many years. They handle all of my personal needs and also business needs. They always answer all my questions and take care of all my needs. It’s so nice to call someone you trust. Someone that many times knows what I need before I do. The service is that good. I appreciate the personal attention. I highly recommend." - Shelley S

Business Insurance Insurance that protects your company, so you can get back to business. Let us help you! Bonds Business Insurance Commercial Auto Commercial Liability Commercial Property Commercial Umbrella Cyber Liability Directors & Officers Employment Practices Liability Group Health Inland Marine Patent Infringement Insurance Pollution Insurance Product Liability Professional Liability Property - Standalone Workers' Comp Insurance As a business owner, your insurance needs are complex and ever-evolving. The experts at 3000 Insurance Group will review your business operations and provide a comprehensive recommendation for the right amount of coverage. The insurance companies we work with provide a wide range of business insurance packages that can provide you peace of mind so that you can focus on growing a successful enterprise. ODA OBA OSCPA OAOP OKCNP Professional Associations

Commercial Umbrella Insurance Let us help you! If umbrella policies are good for individuals, then they are imperative for businesses. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. ​ The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage . The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. ​ Commercial Umbrella Insurance Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, 3iG recommends that your business insurance program include this coverage. ​ What is Excess Liability Coverage? This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy. ​ Who needs Excess Liability Coverage? Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, and/or significant public exposure. ​ Talk to 3iG about your business operations. We can advise you on what kind of liability coverage you need to protect yourself and your company. Give us a call and we’ll help make sure you’re covered.

Commercial Liability Insurance Let us help you! General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. 3iG recommends that all businesses have general liability coverage in place. ​ Professional Liability Insurance (Errors & Omissions) Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. 3iG recommends that all professional and technology companies have E&O coverage. Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, 3iG recommends considering this type of coverage. Directors and Officers Insurance (D&O) D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well. To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered.

Earthquake Insurance Let us help you! Two Important Things About Earthquake Insurance Most home insurance policies do not cover earthquake damage. Even if you live in an area where earthquakes are not common, you may still need earthquake insurance. Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our customers in Oklahoma, earthquake insurance can be inexpensive. Contact us to find out what the costs would be for your home. Earthquake Insurance Options Most home , condo and renters insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance , from a specialized earthquake insurance provider, or from an independent organization such as the California Earthquake Authority (CEA). Do I Need Earthquake Insurance in Oklahoma? In all likelihood, almost the entire US would be better protected by purchasing earthquake insurance. Consider the facts: In the West - According to the U.S. Geological Survey, there is a 70% probability that one or more damaging earthquakes of magnitude 6.7 or larger will strike the San Francisco Bay area during the next 30 years. In the East - The Earthquake Education Center at Charleston Southern University claims there is a 40% to 60% chance of a major earthquake somewhere in the eastern United States in the next 20 years. In the Midwest - According to the Insurance Information Institute, there's a 40% to 63% chance the New Madrid Fault (which runs through Arkansas, Kentucky, Missouri and Tennessee) region will suffer an earthquake with a 6.0 magnitude in the next 15 years. What Does Earthquake Insurance Cover? Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy. An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake. There are several options to consider when purchasing earthquake insurance, including: Does the policy cover only your home? Are other structures, such as garages, also included? Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed? Are there any exclusions or limitations to coverage? What deductible must you pay before the insurance kicks in? Earthquakes Can Happen in Oklahoma – Protect Yourself Make sure your water heater, gas appliances, and other fixtures are fastened securely. Check that bookcases and furniture are secure and fastened to walls. Have a family emergency plan that all family members know. Designate a meeting place outside the home where family members can gather once the danger has passed. Designate a distant relative or friend who can serve as a point of contact and communication for you and your family members if you get separated. Plan ahead. Keep flashlights, batteries, and candles on hand. Have a portable radio. Be sure everyone in your house knows how to turn off utilities (electricity, water, and gas). When shopping for earthquake insurance, ask the company to help you identify possible repairs and other improvements that will make your home safer and minimize damage. What to do when an earthquake strikes If you are inside when an earthquake hits, stay inside and get under a heavy table or desk. Stay away from windows. Do not evacuate the building unless emergency personnel direct you to leave. If you are outside, get away from buildings and power lines, and remember that stone and masonry facings can break loose and fall away from upper parts of buildings. If you are in a car, stop safely away from structures, large trees, power lines, and other hazards. Stay inside the vehicle. Keep in mind: Don’t use candles until gas lines are checked. Also, check throughout your home before you use certain utilities, such as water and electric, sewage connections, and even chimneys. Don’t tie up phone lines except to report emergencies. Be prepared. Remember that you will need food and water, even for the short term. Keep your family together and stay alert for aftershocks. Earthquake insurance needs can vary significantly – talk to us today to find out how to get the best price and value on earthquake insurance for you.

Cyber Liability Insurance Let us help you! Regardless of what type of business you own or manage today, you need cyber liability insurance. You probably have some type of online presence, but even if you operate entirely from a brick-and-mortar location, you need protection against hackers. Identity theft is rising, and cyber crime that compromises your customer or patron base can cripple your organization if you don’t have the right protection in place. ​ 3000 Insurance Group specializes in assisting companies like yours with custom cyber liability and identity theft insurance coverage. Our skilled risk-management professionals will help you assess the risks you face as a company. Then we’ll recommend a cyber liability insurance package to fit your business needs. ​ Custom Cyber Liability Coverage Cyber liability insurance from 3000 Insurance Group can protect businesses against risks related to Payroll management Online business operations Credit card payments and merchant services Tech-based business of any kind Every business needs some of this protection, but the size and scope of your cyber activities will influence the type and extent of coverage you require. If you operate a coffee shop with no online presence, you need a different type of cyber liability from a tech support consulting firm that handles multiple online tasks both in-house and for customers. 3000 Insurance Group has cyber policies for these business types and all those in between. ​ Protection and Risk Management The best data breach is the one that never occurs. That’s why 3000 Insurance Group also offers risk management programs and customer support to help our valued corporate clients face the modern marketplace with confidence. As a customer, you can turn to us for assistance and advice in lowering your cyber risk and keeping your business, your employees and your clients safe. ​ Regardless of your specific industry, you need cyber protection for your business. Contact 3000 Insurance Group today for more information.

Health Insurance Let us help you! A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from 3iG. Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. 3iG can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more. Types of Health Insurance in Oklahoma There are basically three major types of health insurance policies to choose from: consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose. Consumer-directed A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses. Fee for Service A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider. Managed Care Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans. Common Health Insurance Terms When discussing health insurance with an agent, it helps to understand some of the common terms you’ll hear. Below you’ll find definitions to some of the most common health insurance terms. Deductible - The amount of money you pay toward medical bills before your insurance coverage begins. Co-pay - A specified amount of money you pay upfront for doctor visits and prescription refills. Coinsurance - The percentage of medical bills you pay after meeting the deductible. ​ ​ Learn More About Your Options for 2023 Does your Small Business Qualify for Savings with a Small Group Health Plan? If you own your own business, you might be eligible to enroll in health coverage as an employer group. 2023 Individual Health Insurance Update Learn about the annual Open Enrollment Period as well as rules and procedures for Individual Health Insurance. Health Savings Accounts (HSA) Frequently Asked Questions Learn what an HSA is, how contributions work, and examples of qualified medical expenses.

Classic Car Insurance Let us help you! Modern Insurance for Your Classic Car ​ It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years. ​ Not all classic or antique cars are used the same, so 3iG will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. ​ Here are some features you should look for when shopping for classic car insurance in Oklahoma City: Agreed Value This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies. Low Rates Why pay full-time insurance when you drive your collector car only part-time? Coverage Options Not all collector cars are the same, so we can work with you to determine the right amount of coverage to meet your specific needs. Generous Mileage You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value. Roadside Assistance Whether you're down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility. Do you need insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.

Directors & Officers Insurance Let us help you! General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. 3iG recommends that all businesses have general liability coverage in place. Professional Liability Insurance (Errors & Omissions) Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. 3iG recommends that all professional and technology companies have E&O coverage. Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, 3iG recommends considering this type of coverage. Directors and Officers Insurance (D&O) D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well. To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered.

Motorcycle Insurance Let us help you! If you live in Oklahoma, chances are 3iG covers what you ride. 3iG insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes, to dirt bikes and ATVs. You May Qualify for Discounts One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent , is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation . About Motorcycle Insurance Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you. Custom Parts and Equipment If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment. Roadside Assistance Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown. Liability Coverage You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. 3iG works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford. Medical Coverage This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident. Uninsured/Underinsured Motorist Coverage This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian Motorcycle Insurance

Homeowners Insurance Let us help you! Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. 3iG can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing. Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Whether you’re a home or condo owner, a renter , or a landlord, we will work with you to find a Oklahoma City home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on: Options you select - Often home owner insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy. How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage. The Right Coverage. The Right Price. The Right Value The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. Protection for Your Home Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm. Protection for You and Other People Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. Medical Coverage This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. Additional Living Expenses If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt. Protection for Your Belongings Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. Scheduled Personal Property Coverage If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items. If You Rent Out Your Home Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Protect the Things that Matter to You Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part. Every home is unique. Talk to us today to find out how to get the best price and value on home insurance for you.