{"data":{"id":"us-ok/okla.-stat.-tit.-51-51-167","jurisdiction":"us-ok","citation":"Okla. Stat. tit. 51, § 51-167","heading":"Insurance","body":"A. The governing body of any municipality may:\n\n1. Insure the municipality against all or any part of any\n\nliability it may incur for death, injury or disability of any person\n\nor for damage to property, either real or personal;\n\n2. Insure any employee of the municipality against all or any\n\npart of his liability for injury or damage resulting from an act or\n\nomission in the scope of employment;\n\n3. Insure against the expense of defending a claim against the\n\nmunicipality or its employee, whether or not liability exists on\n\nsuch claim; or\n\n4. Insure the municipality or its employee against any loss,\n\ndamage or liability as defined by Sections 702 through 708 of Title\n\n36 of the Oklahoma Statutes, or other forms of insurance provided\n\nfor in Title 36 of the Oklahoma Statutes.\n\nThe cost or premium of any such insurance is a proper expenditure of\n\nthe municipality.\n\nAs used in this subsection, \"employee\" means any person who has\n\nacted in behalf of a municipality, whether that person is acting on\n\na permanent or temporary basis with or without being compensated or\n\non a full-time or part-time basis. Employee also includes all\n\nelected or appointed officers, members of governing bodies of a\n\nmunicipality, and persons appointed, and other persons designated by\n\na municipality to act in its behalf.\n\nB. Any insurance authorized by law to be purchased, obtained or\n\nprovided by a municipality may be provided by:\n\n1. Self-insurance, which may be, but is not required to be,\n\nfunded by appropriations to establish or maintain reserves for self-\n\ninsurance purposes. Any self-insurance reserve fund shall be\n\nnonfiscal and shall not be considered in computing any levy when the\n\nmunicipality makes its annual estimate for needed appropriations;\n\n2. Insurance in any insurer authorized to transact insurance in\n\nthis state;\n\n3. Insurance secured in accordance with any other method\n\nprovided by law; or\n\n4. Any combination of insurance authorized by this section.\n\nC. Notwithstanding any other provision of law, two or more\n\nmunicipalities or public agencies who are affiliated in an insurance\n\nprogram which was originated prior to January 1, 2006, by interlocal\n\nagreement made pursuant to Section 1001 et seq. of Title 74 of the\n\nOklahoma Statutes, may provide insurance for any purpose by any one\n\nor more of the methods specified in this section. The pooling of\n\nself-insured reserves, claims or losses among governments as\n\nauthorized in this act shall not be construed to be transacting\n\ninsurance nor otherwise subject to the provisions of the laws of\n\nthis state regulating insurance or insurance companies. Two or more\n\nmunicipalities may also be insured under a master policy or contract\n\nof insurance. Premium costs may be set individually for each\n\nmunicipality or apportioned among participating municipalities as\n\nprovided by the master policy or contract.","path":["OK Code","Title 51"],"source_url":"https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os51.pdf","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:36Z","sha256":"49ff615641ae65fa9933484a8c41619f72ee999c6bd451b62b94202e4488cc3c","source_id":"us-ok","stale":false,"prev":"us-ok/okla.-stat.-tit.-51-51-166","next":"us-ok/okla.-stat.-tit.-51-51-169"},"notice":"GroundRules: Original legal text. Not legal advice."}