Hotels & Hospitality workers compensation in Oklahoma
Hotels & Hospitality businesses in Oklahoma pay a median rate of $0.770 per $100 of payroll, ranging from $0.230 to $4.67. The national median for Hotels & Hospitality is $0.860, so Oklahoma sits 10% below the national average. 12 unique NCCI class codes are filed in this state for Hotels & Hospitality occupations. Verified 2026-05-09.
Top Hotels & Hospitality class codes in Oklahoma
The class codes most likely to apply to a Hotels & Hospitality operation in Oklahoma, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 7453 | Boat Livery | $0.230 | HIGH |
| 7453 N | Boat Livery | $0.230 | HIGH |
| 9053 | Hotel Outside Sales | $0.320 | HIGH |
| 9012 | Building Operation - Theaters | $0.630 | HIGH |
| 9061 | Country club | $0.760 | HIGH |
| 9084 | Hotel, All Employees | $0.760 | HIGH |
| 9083 | Bar, Tavern, or Nightclub | $0.770 | HIGH |
| 9060 | Country Club Operations | $0.790 | HIGH |
| 7425 | Railroad Sleeping Car | $0.840 | HIGH |
| 9058 | Hotel, all other employees | $0.910 | HIGH |
Oklahoma compliance for Hotels & Hospitality employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Hotels & Hospitality
Independent contractors are generally not considered employees, but the determination is based on a multi-factor test focusing on control.
Owner exclusion
Allowed in Oklahoma. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,083 at 70% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Oklahoma.
Audit window
Oklahoma carriers audit payroll within 90 days of policy expiration. Keep Hotels & Hospitality payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Oklahoma workers comp overview · Hotels & Hospitality cross-state rate comparison · Oklahoma workers comp lawyer guide · Oklahoma settlement chart
Estimate your Hotels & Hospitality premium in Oklahoma
Pre-filled to Hotels & Hospitality and Oklahoma. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Hotels & Hospitality in Oklahoma
$1,150to$23,350
Median: $3,850 · Rate range $0.230 to $4.67 per $100 payroll
Industry median across all states
$4,300
Cheapest states for Hotels & Hospitality
- Pennsylvania $0.380
- Utah $0.460
- Tennessee $0.470
Most expensive
- California $3.38
- New Jersey $2.19
- Hawaii $1.77
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Hotels & Hospitality businesses in Oklahoma
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Hotels & Hospitality operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Hotels & Hospitality businesses typically use codes like 7453, 9060, 9061. The wrong code can cost 4 to 10x more or get reclassified at audit. In Oklahoma, the cheapest code on this list is 7453 at $0.230 and the most expensive is 9058 at $0.910.
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Step 3, Get a quote
CompSource Mutual Insurance Company is one option in Oklahoma; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A general contractor is liable for the workers' compensation coverage of uninsured subcontractors and their employees. Hotels & Hospitality operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Hotels & Hospitality class allocation can shift if any worker spends more than 50% of time on a different code.
Hotels & Hospitality workers comp FAQs in Oklahoma
What is the typical workers comp rate for Hotels & Hospitality in Oklahoma?
Hotels & Hospitality employers in Oklahoma pay a median rate of $0.770 per $100 of payroll, with rates ranging from $0.230 to $4.67 depending on the specific class code. The national median across all states for Hotels & Hospitality is $0.860, so Oklahoma sits about 10% below the national average.
How many Hotels & Hospitality class codes are filed in Oklahoma?
Oklahoma has 12 unique NCCI class codes filed for Hotels & Hospitality occupations, drawn from 13 state-class code rate cells in our dataset. The most common codes include 7453 (Boat Livery), 9060 (Country Club Operations), 9061 (Country club).
Are Hotels & Hospitality 1099 contractors covered by workers comp in Oklahoma?
Independent contractors are generally not considered employees, but the determination is based on a multi-factor test focusing on control.
What is the maximum weekly benefit for an injured Hotels & Hospitality worker in Oklahoma?
Oklahoma caps weekly workers comp benefits at $1,083 (effective 2025-01-01), calculated as 70% of the average weekly wage. Hotels & Hospitality workers are subject to the same statutory cap as workers in any other industry.
How long does a Hotels & Hospitality worker have to file a comp claim in Oklahoma?
The statute of limitations in Oklahoma is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Hotels & Hospitality workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Hotels & Hospitality business owner exclude themselves from comp coverage in Oklahoma?
Yes, Oklahoma allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Hotels & Hospitality owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.