Business Insurance That Works as Hard as You Do

Protect your livelihood with commercial coverage tailored to your risks — not someone else’s checklist.
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Custom Coverage for Your Company

At Arnett Insurance, we know that no two businesses are the same — and your insurance shouldn’t be either. Whether you run a local shop, a church, a restaurant, or a multi-location operation, we help you find business insurance that protects your people, property, and reputation.



From small startups to growing teams, we partner with Oklahoma and Texas businesses to deliver the right coverage at the right price.

What Is Commercial Insurance — and Why Does It Matter?

Commercial insurance is a suite of policies that protect your business from loss, liability, and disruption. We help you cut through the complexity and focus on what matters: coverage that supports your goals.


We’ll help you understand what’s required, what’s recommended, and how to stay compliant.

Business Insurance Coverages We Offer

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General Liability Insurance

Covers injury or property damage to others

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Workers’ Compensation

Required in many industries; protects your employees and your business

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Commercial Property Insurance

Covers buildings, equipment, and inventory

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Business Owners Policies (BOPs)

A package solution for small businesses

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Commercial Auto

For service vehicles, trucks, and fleets

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Errors & Omissions (E&O)

For service-based businesses and professionals

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Directors & Officers Liability

For nonprofits, boards, and larger organizations

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Employee Practice Liability (EPLI)

Protects against HR-related claims

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Umbrella Insurance

Adds extra liability coverage when your base policy caps out

Industries We Work With

  • Restaurants and Food Service
  • Churches and Religious Organizations
  • Retail and Local Shops
  • Contractors and Trade Services
  • Farms, Ranches, and Agribusiness
  • Schools and Nonprofits

If you’re wondering what kind of insurance a restaurant in Texas needs, or how to structure retail insurance in Oklahoma, we can help.

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Fast, Friendly, Local Service

With Arnett, you’re not waiting on hold with a national chain. You’re working with a local, family-run agency that’s been protecting businesses since 1964.


Expect:

  • Competitive pricing
  • Quick claim response
  • Real conversations, not canned quotes
  • Reviews to make sure your coverage grows with your business

Business Insurance FAQs

  • What insurance does my small business need?

    Every business is different — but general liability and property coverage are a smart place to start. We’ll tailor a plan to your risks.

  • Do you offer workers comp for independent contractors?

    We do — and we’ll help you understand state requirements and whether coverage is optional or essential.

  • What’s the difference between a BOP and separate policies?

    BOPs bundle general liability and property — great for small businesses. We’ll help you compare both options.

  • Do churches and nonprofits need liability insurance?

    Yes. We help religious organizations and nonprofits manage risk, protect their teams, and stay focused on their mission.