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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
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