Safeguarding Your Business with Business Liability Insurance

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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.

What is Business Liability Insurance?

If you, your employee, or a third-party person gets hurt on your business’ property, or if there are property damages, Business Liability Insurance is there to protect you and pay for the costs. Business Liability Insurance financially protects a company and its owner in the event of a lawsuit or other third-party claim.

Who Needs Business Liability Insurance?

Whatever form of service or product you provide, whether you employ others or work alone, having the right Business Liability Policy is essential.

Nearly every kind of organization benefits from having Business Liability Insurance, including:

  • Restaurants
  • Counseling and consulting services
  • Therapy
  • Salons
  • Carpentry
  • Contracting – building, HVAC, electrical, plumbing, roofing
  • Event Planning
  • Real Estate
  • Retail
  • Tutoring
  • Maintenance
  • Printers and Publishing
  • Tax Preparation
  • Training and Education
  • Interior Design
  • And many others

What Does a Business Liability Insurance Policy Typically Cover?

A typical Business Liability Policy covers:

Legal Defense and Judgements: Covers the costs of defending against real and frivolous suits and judgments, up to the limits of your coverage (generally excludes punitive damages for negligence or willful misconduct).

Property Damage: Covers damage to property you are legally liable for (including rented property)

Bodily Injury: Covers losses and medical expenses due to injuries suffered on-site by someone other than your employee, or injuries caused by you or an employee at a client’s or customer’s home or workplace.

Personal Injury: Covers losses from damage done to a person’s rights or reputation, due to libel, slander, copyright infringement, wrongful eviction, false arrest, invasion of property or privacy, and similar acts alleged by you or your employee.

Advertising Injury: Covers losses sustained by another person due to your advertising.

Medical Payments: Covers medical expenses due to bodily injury suffered during the course of your business operations.



Work with an Expert Who Knows Your Industry


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Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right Business Liability 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.


Business Owners Insurance

A business owner’s policy works to protect your small business from risks such as accidents, natural disasters, property damage, theft and loss of income. Business owner’s insurance often contains general liability coverage, combined with property insurance.

Professional Liability Insurance

Professional liability coverage is an essential coverage for businesses that provide clients or customers with subjective opinions, recommendations, design solutions, and other kinds of services. In the event of a professional liability lawsuit, the right insurance coverage will help you pay for a defense attorney, judgment and court costs, no matter who is at fault.

Business Umbrella Insurance

Business umbrella liability insurance provides added coverage, above and beyond other forms of business liability coverage. It can help cover the expense of a lawsuit with costly legal fees and settlements—vital in a state that has no cap on lawsuit settlement payouts.

Business Income Insurance

This vital coverage replaces your loss of profits if you must suspend operations due to direct physical loss to your premises.

Errors and Omissions (E&O) Insurance

E&O coverage can protect your business in the event that a client sues you for professional negligence.


Top 5 Risks Business Owners Face

  • Damage to Reputation
  • Lawsuits
  • Security Breaches
  • Key Person Losses
  • Natural Disasters

Real Talk About Business Liability Insurance

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

Sample Certificate

A sample Certificate of Insurance is available upon request.


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