Okla. Stat. tit. 36, § 36-2919: Who may be subscribers

Individuals, partnerships, and corporations of this state may

make application, enter into agreement for and hold policies or

contracts in or with and be a subscriber of any domestic, foreign,

or alien reciprocal insurer. Any corporation now or hereafter

organized under the laws of this state shall, in addition to the

rights, powers, and franchises specified in its articles of

incorporation, have full power and authority as a subscriber to

exchange insurance contracts through such reciprocal insurance. The

right to exchange such contracts is hereby declared to be incidental

to the purposes for which such corporations are organized and to be

fully granted as the rights and powers expressly conferred upon such

corporations. Government or governmental agencies, state or

political subdivisions thereof, boards, associations, estates,

trustees or fiduciaries are authorized to exchange nonassessable

reciprocal inter-insurance contracts with each other and with

individuals, partnerships, and corporations to the same extent that

individuals, partnerships and corporations are herein authorized to

exchange reciprocal inter-insurance contracts. Any officer,

representative, trustee, receiver, or legal representative of any

such subscriber shall be recognized as acting for or on its behalf

for the purpose of such contract but shall not be personally liable

upon such contract by reason of acting in such representative

capacity.