Business Details
50+ Years
experience
Your Independent Insurance Experts in San Francisco
O'Kane & Tegay is a San Francisco-based independent property and casualty insurance brokerage with a legacy dating back to 1946. As a family-owned business, we specialize in serving the unique insurance needs of Bay Area residents and businesses, combining local market expertise with comprehensive knowledge of California insurance regulations and regional risks. Our team of 15 professionals brings over 150 years of combined experience, offering personalized advocacy through a diverse network of respected regional and national insurance carriers.We maintain designation as a Local Business Enterprise by the San Francisco Human Rights Commission, enabling us to serve public works projects and municipality operations. Our commitment to ethical practices and client-centric service has earned consistent 4.9-star ratings from satisfied policyholders across commercial and personal insurance lines.
Services
Commercial Auto Insurance
Business Liability Insurance
Workers Compensation
Homeowners Insurance
Commercial Property Insurance
Personal Umbrella Policies
Collectors Insurance
HOA Insurance
Professional Liability Insurance
Cyber Liability Insurance
Details
- Year established: 1946
Highlights and features
- 150+ years of combined experience in Bay Area insurance markets
- Exclusive access to top-rated regional and national insurance carriers
- Specialized expertise in California-specific risks and regulations
- Consistently rated 4.9/5 stars by satisfied policyholders
- Personalized advocacy from application through claims resolution
Associations and certifications
- California Department of Insurance License #0534872
What people say
Good rates
Quick response
Efficient customer service
Knowledgeable staff
Personalized service
Services
Commercial Auto Insurance
Protects business assets against vehicle-related liabilities and damages. Covers legal defense costs, property damage, and bodily injury claims arising from commercial vehicle accidents. Includes optional roadside assistance, new vehicle replacement, and rental reimbursement. Serves businesses with owned, leased, or employee-driven vehicles requiring compliance with state commercial auto insurance requirements.
Business Liability Insurance
Safeguards companies against third-party claims for property damage, bodily injury, and personal injury. Covers legal defense costs, medical expenses, and settlement judgments up to policy limits. Essential for restaurants, contractors, real estate firms, and service providers facing premises liability risks or advertising injury claims in California's regulatory environment.
Workers Compensation Insurance
Mandated coverage for California employers with three+ employees. Provides wage replacement, medical expense coverage, and death benefits for work-related injuries or illnesses. Protects businesses from employee lawsuits while ensuring statutory compliance. Specialized in high-risk industries including construction, manufacturing, and hospitality sectors.
Homeowners Association Insurance
Specialized package policies for residential associations covering common areas, liability protection, and directors' & officers' liability. Includes crime coverage and umbrella policies tailored for mixed-use buildings. Features cost-saving strategies for property managers seeking comprehensive protection against fire, theft, and liability claims.
Personal Umbrella Insurance
Provides additional liability protection beyond standard auto/home policies. Covers catastrophic claims from lawsuits, property damage, or bodily injury incidents. Designed for individuals seeking enhanced financial security against high-value claims that exceed primary policy limits in California's litigious environment.
People
Thomas OKane
Senior Partner
With over 45 years in insurance, Tom oversees firm operations including finance and client relations. A San Francisco native, he brings deep local market knowledge and long-term carrier relationships to strategic decision-making while maintaining hands-on client involvement.
Phill OKane
Commercial Insurance Broker
Specializing in commercial risk management since 2001, Phill leverages hospitality industry experience to craft tailored insurance solutions. He holds a hospitality management degree and focuses on property/casualty coverage for Bay Area businesses while maintaining active client advisory roles.
James Brendel
Commercial Account Executive
Leading commercial account management since 1993, James combines North Dakota insurance experience with Bay Area expertise. He focuses on new business development and client education, emphasizing comprehensive risk assessment and policy optimization for local businesses.
Melissa Mullins
Claims Consultant and Manager
With 30+ years in claims management, Melissa specializes in general liability and construction defect cases. She advocates for clients during claims resolution while maintaining multi-jurisdictional expertise in property and casualty claims processing and carrier communication.
Michael Poggetti
Office Operations Manager
Managing commercial lines operations since 2006, Mike develops risk management strategies and client relationships. His dual role combines operational oversight with direct client service, focusing on innovative solutions for evolving insurance needs in California's regulatory landscape.
Questions
What commercial insurance policies are essential for Bay Area businesses?
Key policies include Business Liability Insurance for premises risks, Workers Compensation for employee protection, Commercial Auto for vehicle coverage, and Cyber Liability for data protection. We customize packages based on industry-specific risks.
How does HOA insurance differ from standard property coverage?
HOA policies cover common areas, directors' liability, and association-specific risks. We provide tailored packages including crime coverage and umbrella policies specifically designed for residential associations and mixed-use buildings.
Can I get personal insurance coverage for unique assets?
Yes, we offer specialized coverage for collector cars, watercraft, aviation, and valuable collections. Our personal umbrella policies provide excess liability protection beyond standard auto/home insurance limits.
How do you help clients during the claims process?
Our claims specialists advocate for policyholders, managing communication with carriers and ensuring timely resolution. We provide proactive support from initial reporting through final settlement negotiations.
What risk management resources do you provide?
We offer industry-specific risk assessments, compliance guidance, and loss prevention strategies. Clients receive access to educational materials and personalized consultations to mitigate potential exposures.
How are insurance quotes customized for individual needs?
We analyze specific risks, coverage requirements, and budget considerations. Our broker approach allows comparison across multiple carriers to find optimal protection at competitive rates.
