California Commercial Umbrella Insurance

Commercial Umbrella Insurance

What is Commercial Umbrella Insurance?

Commercial Umbrella Insurance protects you and your business when costs due to accidents are beyond what your usual policies cover.

Essentially, it picks up where your other insurance policies stop. Commercial Umbrella insurance offers additional protection to your current commercial auto liability, general liability, and other liability policies. So, when you reach the limit of one of your policies, Commercial Umbrella Insurance steps in, making sure your assets, such as college funds, retirement savings, and home and future earnings, aren’t at risk.

Who Needs Commercial Umbrella Insurance?

Any type of business owner will benefit from having Commercial Umbrella Insurance. Commercial Umbrella Insurance can have policies tailored to any type of business, such as a home remodeling manufacturer expanding coverage on their warehouse liability, or a law firm that entertains guests expanding their liquor liability coverage.

What does a Commercial Umbrella Insurance Policy Typically Cover?

It is designed to give you and your company an extra level of security. Commercial Umbrella Insurance will provide enhanced coverage for expenses associated with legal fees, lawsuits, and settlements.

As each business has its own insurance needs, Commercial Umbrella Insurance tailors it’s policies to the ones that make the most sense for that company. Essentially, it picks up where your other insurance policies stop.

You choose which policies you’d like to expand coverage on, and your Commercial Umbrella policy will pick up the fees after costs exceed the cap on those policies.

Our Process


Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right Commercial Umbrella Insurance policy for your small 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 Assets That Commercial Umbrella Insurance Protects
  • Home
  • Future Earnings
  • Retirement Savings
  • College Funds
  • Auto
Real Talk About Commercial Umbrella Insurance

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