Oklahoma Department of Insurance : Everything you need to know

Oklahoma Department of Insurance : Everything you need to know

Office address: 400 NE 50th Street, Oklahoma City, OK 73105 
Website: oid.ok.gov 
Year established: 1907 
Employees: 120+ 
Key people: Glen Mulready (commissioner); Brian Downs (chief of staff); Ashley Scott, Erin Wainner, and Mike Rhoads (deputy commissioners); Andy Schallhorn (chief actuary); Liz Heigle (chief of communications); Kim Hunter (general counsel) 
Operating budget: $20 million 

Formally known as Oklahoma Insurance Department (OID), the Oklahoma Department of Insurance regulates insurance markets and protects policyholders across the state. It recovered $12.5 million for consumers and oversaw more than 249,000 licensed professionals in 2024. 

History of the Oklahoma Department of Insurance 

Oklahoma’s first insurance law passed in 1899, laying the groundwork for state-level oversight of the growing insurance market.  

In 1907, the state constitution created the elected role of insurance commissioner, with TJ McComb serving as the first. By 1917, insurers paid out a record $4.5 million in fire claims as the industry expanded. 

Here are additional defining moments in the Oklahoma Department of Insurance’s history: 

  • 1967: insurance becomes one of the state’s largest industries with more than 1,000 firms 
  • 1989: commissioner Gerald Grimes launched One Day Claims Office tour across 104 senior centers 
  • 1993: OID earns national accreditation and launches Senior Counseling Services 
  • 1998: EAGLE Mediation Program is established to handle disputes 
  • 1999: Anti-Fraud Unit is launched to investigate complex financial crimes 

By the mid-1980s, the agency was fielding more than 80,000 consumer complaints each year. In the years that followed, it built new programs to reach underserved communities and modernize its response.  

Today, OID remains focused on public service, regulatory fairness, and protecting every Oklahoma policyholder. 

Oklahoma Department of Insurance mandate 

The OID was created in 1907 to enforce insurance law and promote public trust in the market.  

The office of the insurance commissioner is a constitutional role elected every four years by Oklahoma voters. It is responsible for setting fair standards and helping the public navigate insurance-related issues.  

The Oklahoma Department of Insurance’s divisions carry out the agency’s mandate statewide. 

table listing the divisions of the Oklahoma Department of Insurance 

Commissioner Glen Mulready leads a team of more than 120 employees who work from offices in Oklahoma City and Tulsa. Each division is built to regulate activity, enforce law, or support policyholders.  

This framework allows the Oklahoma Department of Insurance to keep the industry accountable while delivering service to consumers. 

Key responsibilities  

The Oklahoma Department of Insurance protects Oklahomans by:  

  • offering clear insurance information 
  • investigating concerns 
  • helping the public stay informed 

It also contributes funding to public safety pensions and the state’s General Revenue Fund.  

These are some of the department’s primary duties: 

  • enforcing insurance-related laws across the state 
  • licensing and educating producers, adjusters, appraisers, and bail bondsmen 
  • reviewing financial strength and market conduct of insurers 
  • providing consumer assistance and resolving complaints 
  • supporting public safety pensions and the General Revenue Fund 
  • regulating funeral homes and related service providers 
  • offering insurance education, outreach, and disaster guidance 

By carrying out these responsibilities, OID helps maintain trust, financial protection, and balance in the state’s insurance system. Its work reflects core values like fairness, honesty, and strong public service. 

Recent initiatives and regulatory focus 

The Oklahoma Department of Insurance continues to modernize how it protects property owners and regulates evolving insurance risks.  

In 2024, it issued new guidance under the OKReady Home Insurance Program, which encourages storm-resistant upgrades. The program rewards eligible homeowners with better rates and improves statewide disaster resilience. 

The department has also acted on broader regulatory needs across multiple sectors: 

  • issued model-aligned rules on insurance data security and breach response 
  • updated processes for company filings and market conduct exams 
  • expanded enforcement around unlicensed entities and unauthorized coverage 
  • launched a multi-agency insurance fraud task force 
  • piloted tools to simplify rate and form reviews 

The Oklahoma Department of Insurance also released AI guidelines for insurance to steer fair, transparent automation in underwriting and claims.  

These standards promote accountability while embracing innovation. Each initiative reflects OID’s shift toward smarter oversight and long-term policyholder protection. 

Consumer protection and outreach 

The Oklahoma Department of Insurance actively supports consumers through complaint resolution, fraud prevention, and financial literacy education. In 2024, it has: 

  • handled 3,500 complaints 
  • answered over 16,000 consumer calls 
  • recovered more than $12 million for policyholders 

To promote insurance literacy, OID released a free Insurance & Financial Resource Guide in early 2025. This guide helps residents understand budgeting, saving, and the role of insurance in financial planning. 

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