Insurance that works when the river risesSoma Insurance
Deals in Tulsa still start with a warm intro—Rotary breakfasts, chamber coffees, and a quiet walk along River Parks...
Recent Tulsa Business Incidents
Real incidents from 2024-2025 that cost Tulsa businesses millions.
Axel Royal petroleum-tank fire sends smoke over West Tulsa
Late morning on Nov. 19, 2024, a fire broke out at Axel Royal’s petroleum tank farm near Charles Page Blvd...
Golf-ball hail and severe winds knock out power across Tulsa
On May 18–19, 2025, a fast-moving line of severe thunderstorms hit the Tulsa metro with hail up to golf-ball size and damaging winds. Reports came in from Midtown to East Tulsa and suburbs like Skiatook and Claremore...
Axel Royal petroleum-tank fire sends smoke over West Tulsa
Late morning on Nov. 19, 2024, a fire broke out at Axel Royal’s petroleum tank farm near Charles Page Blvd...
Golf-ball hail and severe winds knock out power across Tulsa
On May 18–19, 2025, a fast-moving line of severe thunderstorms hit the Tulsa metro with hail up to golf-ball size and damaging winds. Reports came in from Midtown to East Tulsa and suburbs like Skiatook and Claremore...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers Tulsa's real risks.
Tulsa's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
We live by radar in April and May. Tornado watches mean locking down inventory, staging generators, and confirming phone trees. Hail can flip a quiet week into triage; roofing crews prioritize dry-ins and temporary patches so doors open by morning.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Heat wears on people and equipment. Kitchen compressors, walk-ins, and rooftop units fail at the worst hour. Pop-up storms flood low spots and close Riverside. Construction zones multiply, so fleets budget buffer time and shade breaks to avoid claims.
Fall: Severe Weather
September - November
Budgets free up and projects land before year-end. Football weekends fill hotels and restaurants. Windy fronts drop limbs onto lines; auto claims tick up around dusk as the sun drops and commuters navigate new detours near the interchange.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Freeze-thaw cracks older roofs and pipes, especially in Midtown stock. Black ice on the BA and IDL fuels low-speed fender-benders. We prep with space-heater talks, insulate back rooms, and test generators before a blue norther arrives.
Tulsa Industries We Cover
Specialized coverage for the businesses that power Tulsa.
Industrial Services & Fabrication
From West Tulsa to the airport corridor, shops rebuild pumps, fabricate skids, and service midstream gear. Legacy oilfield know-how blends with aerospace and general industrial work, keeping welders and machinists busy during outages and turnarounds.
Healthcare & Clinics
The 21st & Utica corridor and suburban medical plazas support hospitals, specialists, and labs. Cyber dependencies and tight staffing make continuity planning essential when systems go dark or storms hit.
Roofing, Glass & Restoration
Hail seasons feed a robust trades ecosystem—roofers, glaziers, and mitigation crews—who triage leaks and get businesses dried-in quickly along 41st–71st and Midtown corridors.
Hospitality & Riverfront Recreation
With Zink Lake, the Wave Park, and River Parks programming, cafés, caterers, and outfitters see seasonal surges—balanced against closures when water rises.
Distribution & Last-Mile
Proximity to I-44/US-75 and the BA makes Tulsa a regional cross-dock hub. Detours and lane shifts test delivery windows, and hail can sideline fleets overnight.
Data & Tech Adjacent
Proposed campuses in north Tulsa/Owasso plus legacy infrastructure keep demand high for electrical, mechanical, and security contractors. Water and power availability drive siting decisions.
Industrial Services & Fabrication
From West Tulsa to the airport corridor, shops rebuild pumps, fabricate skids, and service midstream gear. Legacy oilfield know-how blends with aerospace and general industrial work, keeping welders and machinists busy during outages and turnarounds.
Healthcare & Clinics
The 21st & Utica corridor and suburban medical plazas support hospitals, specialists, and labs. Cyber dependencies and tight staffing make continuity planning essential when systems go dark or storms hit.
What Tulsa Businesses Must Know
Local Risk Insights
- •If Riverside is clogged, cut to Peoria or Yale...
- •The 71st & Memorial retail spine drives weekend congestion; schedule deliveries before 9 a...
- •West Tulsa warehouses near Charles Page handle stormwater differently...
Business Operations
- •During storm weeks, customers accept temporary fixes...
- •Publish a detour-friendly pickup map during I-44/US-75 lane changes...
- •Run cyber downtime drills...
Why Tulsa Businesses Trust Us
We're not just insurance agents – we're Tulsa business protection experts.
Local Tulsa Expertise
We know Tulsa's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When Tulsa businesses need coverage, we're here.
Proven Protection
Coverage that actually pays claims. No hidden exclusions, just real protection.
Transparent Pricing
No hidden fees, no surprises. Clear pricing and honest guidance you can trust.
Always Responsive
Questions about coverage? Claims support? We're here when Tulsa businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Do I need separate flood insurance for a shop near Riverside?
Yes. Standard commercial property excludes flood. If you’re near the river or low-lying lots off Elwood or along River Parks, price NFIP or private flood. Add business income where available, and consider utility-service and equipment-breakdown for electrical issues during high water.
How do I insure hail risk without wrecking our deductible budget?
Split wind/hail deductibles by roof age/material, consider cosmetic damage exclusions on metal, and pair a higher occurrence deductible with a deductible buydown. Pre-selecting contractors speeds dry-ins and limits BI.
Will road construction losses be covered if customers can’t reach us?
No direct coverage for planned roadwork. Mitigate with signage, alternate-route maps, extended pickup windows, and delivery adjustments. Ingress/egress applies only when a covered peril blocks access.
Do small clinics really need cyber after the Ascension incident?
Yes. Third-party outages still cost overtime and re-registration. Standalone cyber adds incident response, BI/extra expense, and breach coaching—even for a single-site practice.
We lost power in a storm—does BI apply without physical damage?
Only if you have a utility-service interruption endorsement or forms that trigger BI from off-premises power failure. Review waiting periods and sublimits.
Do I need separate flood insurance for a shop near Riverside?
Yes. Standard commercial property excludes flood. If you’re near the river or low-lying lots off Elwood or along River Parks, price NFIP or private flood. Add business income where available, and consider utility-service and equipment-breakdown for electrical issues during high water.
How do I insure hail risk without wrecking our deductible budget?
Split wind/hail deductibles by roof age/material, consider cosmetic damage exclusions on metal, and pair a higher occurrence deductible with a deductible buydown. Pre-selecting contractors speeds dry-ins and limits BI.
Will road construction losses be covered if customers can’t reach us?
No direct coverage for planned roadwork. Mitigate with signage, alternate-route maps, extended pickup windows, and delivery adjustments. Ingress/egress applies only when a covered peril blocks access.
Built for hail weeks and lane-shift monthsThat Actually Works
Storm-season playbooks for Tulsa’s hail and flood realityJoin thousands of Tulsa businesses already protected.
Join the thousands of Tulsa businesses who chose protection over hope.