We are a non-profit organization which performs its functions under a plan of operation established and approved under the Oklahoma Property and Casualty Insurance Guaranty Association Act enacted by the Oklahoma Legislature on June 27, 1980. The Association is managed and administered by a board of twelve directors whose members do business in Oklahoma. All insurers defined as member insurers are required to be members of the Association as a condition to transact insurance business in the State of Oklahoma.

The Association is allowed to pay only covered claims of an “insolvent insurer” which is defined by the Act as an insurer licensed by the Insurance Commissioner to transact insurance in this state either at the time the policy was issued or when the insured event occurred and determined to be insolvent and ordered liquidated by a court of competent jurisdiction. Thus, the State of Oklahoma requires both a declaration of insolvency and an order of liquidation.

The liquidation of MutualAid eXchange (MAX) and United Home have generated a large volume of calls and data for claims transferred to our office.  We will return calls and process claims as quickly as possible.  If you are former policyholder with a claim for return of unearned premium or property damage, we ask that you refrain from calling us multiple times to get a status update.  As transferred claims are uploaded into our system and reviewed, policyholders with property claims will be contacted by an adjuster.  We expect that claims for return of unearned premium will be processed within the next few weeks. 

Our office is not open for visitors without an appointment.