Broken Arrow, OK Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Coverage type
- Commercial general liability (CGL)
- Minimum limit
- $1,000,000 per occurrence
- Filed with
- Community development director
- Reviewed
- Annually with self-inspection checklist
Summary
Broken Arrow, Oklahoma requires every licensed short-term rental to keep a $1,000,000 per-occurrence commercial general liability insurance certificate on file with the city.
Insurance certificate ($1,000,000.00 per occurrence CGL) current and on file with city.86.LRA contact test conducted quarterly; response within one hour verified/logged.87.City STR training completed within the past 12 months (attach certificate to renewal).88.Neighbor notice sent per subsection 7-468(e) (initial via certified mail; renewal via first-class; email where available). Keep proof of mailing.89.LRA abatement log; record date/time of PD/city calls and arrival time (must be less than one hour).90.Parking compliance: operator verifies vehicles do not exceed plan; no blockages; no yard parking.91.Incident retention: preserve body-worn camera request info (incident number) and any host platform messaging used to abate. Required Photo Uploads (at minimum)
•Smoke and CO alarms in place (one per bedroom, one per hallway, one per story).•One mounted extinguisher per story and the kitchen extinguisher.•One open egress window in each sleeping area.•Interior posting at the main entrance and the exit map.•Address numerals visible from the street at night.•Dryer exterior vent outlet.•Entry camera location (outward facing).•Pool/spa barrier, gate latch, and VGB drain cover (if applicable).•Parking diagram (photo of posted diagram). Operator Attestation
I certify the above is true and complete, and that any deficiencies will be corrected by: ___________.
Name/Title: _____ Signature: _____ Date: _____
(Ord. No. 3905, § I, 2-17-2026)
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 43).
Full Breakdown
Broken Arrow's short-term rental ordinance requires every licensed STR to keep proof of commercial general liability insurance with a $1,000,000 per-occurrence limit on file with the city, per Item 85 of the STR Safety and Operations Self-Inspection Checklist, which Code § 7-468.1(g) makes a mandatory part of the annual self-inspection. The certificate must be current at the time of the annual review, and owners retain their completed checklist and supporting records for three years for production to the community development director on request. Operating a short-term rental in Tulsa County's largest suburb without a valid license is itself a class B misdemeanor under § 7-477.
Violations & Fines
Operating without a current CGL certificate on file is a checklist violation that can block license renewal or trigger revocation; operating without a valid STR license is a class B misdemeanor punishable by up to a $1,000 fine under § 7-477.
Frequently Asked Questions
Who has to carry the $1,000,000 CGL policy?
What happens if the insurance certificate lapses?
Sources & Official References
Other rules in Broken Arrow
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