Bob Sullivan

Oklahomans shouldn’t pay more than California or Colorado. Bob will take on Big Insurance, demand transparency, and fight for lower, fairer rates.

When insurance companies leave, costs skyrocket. Bob will open the market, recruit strong, reliable carriers, and make Oklahoma a place where competition works for consumers again.

Families and entrepreneurs are getting crushed by premiums. Bob will fight to make insurance affordable, predictable, and responsive — so people can protect what they’ve built.

For too long, the system has worked for the companies — not the customers. Bob will make sure insurers pay claims on time, play by the rules, and treat Oklahomans with respect.

Bob Sullivan is a no-nonsense fighter who won’t take orders from insurance lobbyists or career politicians. He’ll call out price-gouging, expose slow-walking of claims, and Make Insurance Fair Again for Oklahoma families and small businesses.

Protect Homeowners and Small Businesses

I didn’t get into this race to keep the status-quo. I got in because Oklahoma families are getting crushed and our businesses are being held back. We pay the highest rates in America while insiders slow-walk claims and call it ‘business as usual.’ Not on my watch. I’ll fight to drain the insurance swamp in Oklahoma and put our people first.

Proven. Oklahoma-First. No excuses.Oklahoma families are paying the highest insurance rates in America while insiders and bureaucrats look the other way.Bob Sullivan is running to change that — to fight for families, small businesses, and the homeowners who make this state strong.

Would require insurers seeking rate increases to disclose actuarial data, loss ratios, and risk assumptions, and would require plain-language explanations of rate changes.

• Also supports Insurance Department audits and publication of carrier comparisons.

Would increase penalties for insurers that delay claims or payments, strengthen investigative and audit authority, and create a Consumer Restoration Fund for people harmed by insurer misconduct.

Would streamline licensing and filing for qualified insurers, extend reciprocity to trustworthy neighboring-state carriers, and encourage creation of Oklahoma-based mutual insurance companies.

Would create a Competitive Market Task Force, streamline rate-filing approvals, recruit highly rated carriers to Oklahoma, and publicly recognize financially strong insurers serving the state.

Supports disclosure of third-party litigation funding, limits on predatory lawsuit lending, and coordination with the Attorney General on insurance-related fraud and abuse.

Would strengthen enforcement against uninsured drivers, expand data-sharing to identify repeat offenders, and increase penalties for repeated uninsured driving.

Supports emergency authority to freeze unjustified rate increases during crises, faster disaster claims settlement, and a Property Protection Task Force focused on high-risk areas.

Would create a market-based reinsurance pool for catastrophic losses without taxpayer funding, intended to reduce insurer exits after severe weather.

Would create a data and analytics center with Oklahoma universities to study insurance markets, risk, and affordability.

Would create a regulatory sandbox allowing insurers to test new products such as parametric hail coverage, roof credits, and flexible small-business insurance.

Would establish consumer standards for timely claims, fair treatment, and plain-language insurance policies.

Would create an Oklahoma-trained agent certification focused on ethics and customer-service standards.

Would expand the Insurance Department's fraud capabilities and data-sharing to target staged claims, contractor fraud, and auto scams.

Would publish annual data on insurance rates, carrier participation, and consumer satisfaction.

Supports encouraging insurers to reinvest in Oklahoma infrastructure and communities.

Would expand fortified-roof certification, encourage premium discounts for impact-resistant roofs, certify reputable roofers, and increase enforcement against fraudulent storm-chasing contractors.

Would help communities improve fire-protection ratings, seek premium credit for stronger fire protection, coordinate training and readiness, and publish a fire-rating dashboard.

Would seek lower commercial property and liability costs through greater insurer competition, faster claims handling, litigation reform, and insurance-market regulatory changes.

Supports working with state legislators to modernize insurance regulations and keep the Insurance Commission focused on consumer protection and market accountability.