Broken Arrow

About Broken Arrow

Insurance in Broken Arrow, OK

Inszone writes insurance in Broken Arrow, OK from our office at 2259 N 9th St, Suite 101. The office is on North 9th Street near the Broken Arrow Expressway, a short drive from the Rose District downtown and from the Creek Turnpike.

This office was Employee Benefits Advantage, a Broken Arrow benefits agency founded in 2005, and it joined Inszone in 2025 with its address and its 918-459-2500 number unchanged. Kelli Caldwell, who founded Employee Benefits Advantage after working at Marsh McLennan, leads the office as Branch Manager, with Lena Mileto and Tina McClary as Senior Benefits Account Managers. Policies and plans carried over.

For insurance and benefits in Broken Arrow, we compare plans and carriers rather than selling one company’s products, because we are an independent agency. For employers, that means group health, dental, vision and life can be quoted across several markets each renewal, alongside the property and casualty side of the business through Inszone.

Buy your insurance in Broken Arrow, OK!

Personal Insurance in Broken Arrow, OK

Broken Arrow households are quoted through Inszone’s personal lines team, with this office as your starting point, for homeowners, renters, landlord and condo policies, auto, personal umbrella liability, life insurance, and motorcycles, boats, RVs and classic cars.

Drivers comparing car insurance in Broken Arrow, OK should know Oklahoma requires liability limits of at least $25,000 per person, $50,000 per accident and $25,000 for property damage. Oklahoma is an at-fault state, and uninsured motorist coverage must be offered and declined in writing. When we quote auto insurance in Broken Arrow, we look at your commute on the Broken Arrow Expressway or the Creek Turnpike, since daily miles into Tulsa can change the rating.

Hail and tornado shape Oklahoma property insurance. For home insurance in Broken Arrow, OK, many policies carry a separate wind and hail deductible, often 1% to 5% of the dwelling limit, and many settle older roofs at actual cash value or on a roof schedule rather than full replacement cost. We translate those percentages into dollars and compare the roof terms on every quote, because two similar-looking policies can pay very differently after a storm.

Business & Benefits Insurance in Broken Arrow, OK

Employee benefits are the core of this office’s book. For Broken Arrow employers we set up and renew group medical, dental, vision, life and disability plans, and general liability, commercial property, workers’ compensation and commercial auto are placed through Inszone’s commercial team.

For smaller employers who want more control over health costs than a fully insured plan offers, level-funded health plans are a middle path. The employer pays a fixed monthly amount that funds an expected claims account, administration and stop-loss protection, and some plans return part of the surplus if claims come in under the fund. Self-funded health insurance for small business works on the same idea with more of the claims risk kept by the employer, which is why stop-loss terms matter as much as the premium.

A Section 125 cafeteria plan lets employees pay their share of health, dental and vision premiums, and eligible medical and dependent care expenses, before taxes. The employer can reduce payroll taxes on the same dollars, and the plan needs a written plan document and annual nondiscrimination testing.

When an employee leaves or loses eligibility, COBRA administration handles the notices, elections and premium collection that federal continuation rules require. Federal COBRA generally applies to employers with 20 or more employees. Online benefits enrollment through Inszone lets employees review and elect their plans from one portal at open enrollment.

Oklahoma requires workers’ compensation from the first employee, full- or part-time, with narrow exemptions for small family businesses, agricultural employers under $100,000 in prior-year payroll, sole proprietors and commission-only real estate agents.

Inszone Insurance agency near me

Our Broken Arrow insurance office is open Monday to Friday, 8:00am to 5:00pm, with weekends by appointment. Call 918-459-2500, use the quote form on this page, or come by 2259 N 9th St, Suite 101.

Our insurance agency in Broken Arrow, OK works with employers and households across Broken Arrow, Coweta, Bixby and Wagoner. Whether you are renewing a group health plan, comparing a level-funded option for the first time, setting up a Section 125 plan, or checking how your roof would settle after hail, our insurance specialists can talk through the options available for your situation.

Get your free insurance quote!

FAQs

What is a level-funded health plan?

It is a group health plan in which the employer pays a fixed monthly amount covering an expected claims fund, plan administration and stop-loss protection. If claims run higher than expected, the stop-loss policy responds above its attachment point; if they run lower, some plans return part of the surplus. A specialist can compare level-funded and fully insured options for your group.

What is a Section 125 cafeteria plan?

It is a plan under Section 125 of the Internal Revenue Code that lets employees pay eligible benefits, such as their share of health, dental and vision premiums, before income and payroll taxes. The employer can reduce payroll taxes on the same amounts. The plan requires a written plan document and annual nondiscrimination testing.

Does my company have to offer COBRA?

Federal COBRA generally applies to private employers with 20 or more employees on more than half of their typical business days in the prior year. It requires timely notices, an election period, and continued coverage for qualifying employees and dependents, usually for up to 18 months. A specialist can confirm whether federal COBRA applies to your group.

Why did my roof claim pay less than I expected?

Usually for two reasons. Many Oklahoma policies carry a separate percentage wind and hail deductible, often 1% to 5% of the dwelling limit, and many settle older roofs at actual cash value or on a roof schedule rather than full replacement cost. On a $300,000 dwelling limit, a 2% deductible is $6,000 before depreciation is taken out.

Is this the same office that was Employee Benefits Advantage?

Yes. Employee Benefits Advantage joined Inszone Insurance in 2025, and this office continues from 2259 N 9th St, Suite 101 with the same phone number, 918-459-2500, led by its founder, Kelli Caldwell. Plans and policies carried over.

How do I get a quote from your Broken Arrow insurance office?

Call 918-459-2500 or use the quote form on this page, and come by 2259 N 9th St, Suite 101 if you would rather do it in person. For group benefits, have an employee census and your current plan summaries and renewal to hand; for business coverage, your revenue, payroll by class and recent loss runs; for a home or car, your current declarations page.