Insurance & bonds

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What is Surety and Fidelity Bond Insurance?

Generally, fidelity and surety bonds are necessary for the majority of businesses to provide additional indemnification and protection. Many times, state and local laws require that a business carry this type of insurance coverage. Bonds play a crucial role in your business’s risk management strategy regardless of the size of the company.

There are two types of bonds that are offered: Surety and Fidelity Bonds.

  • Commercial Surety Bonds help ensure compliance with court mandated or other legal requirements.
  • Fidelity Bond Insurance helps protect assets from theft and fraud.

Who Needs Surety and Fidelity Bond Insurance?

Many times, state and local laws require most businesses to have this type of insurance. This type of insurance is important for peoples such as business owners, attorneys, contractors, engineers, nonprofits, and individuals.

Fidelity bond insurance works well for small to mid-sized companies.

What does a Surety and Fidelity Bond Insurance Policy Typically Cover?

Other than usually being required, bond insures you against loss from forgery, internal theft, computer and funds transfer fraud, and robbery and safe theft. Not all services and coverage is available to every business, and if you’d like to learn more about what type of Surety or Fidelity Bond Insurance you should get, feel free to reach out to us.

Surety Bonds include: Permit and license bond insurance (to meet state and local government mandated requirements), judicial and probate bond insurance (for civil court proceedings and fiduciaries), non-construction performance bond insurance (to help ensure that contractual obligations are fulfilled), and public official bond insurance (for treasurers, city and town managers, tax collectors, and notaries).

Fidelity bond insurance helps protect assets from theft and fraud, and they work well for small to mid-sized companies.

Our Process


Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right bond insurance policy for your business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.


Get Quotes from the Country’s
Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need business liability insurance, business owner’s insurance, professional liability insurance, or Surety bonds insurance to comply with state laws, you can find it here.

We’ve already helped more than hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go Information

Top 5 Bond Risks
  • Interest Rate Risk and Bond Prices
  • Reinvestment Risk and Callable Bonds
  • Inflation Risk and Bond Duration
  • Credit/Default Risk of Bonds
  • Rating Downgrades of Bonds
Real Talk About Bond Insurance

Check out our blog for the latest news about managing risk for small businesses.

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