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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.
Our homeowners association has used O’Kane & Tegay (our agent is Jim B.) for about 25 years – so you can infer from that information that we're satisfied with their service! —Nancy M.



Work with an Expert Who Knows Your Industry


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


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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 policy for your HOA. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping HOAs 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 General Liability Insurance, Director’s and Officer Insurance to protect your board, or Workers’ Compensation Insurance to comply with state laws, you can find it here.

We’ve already helped more than 1,000 Homeowner Association Management Companies 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 community safe.

Insuring Your HOA

Common Area Package Insurance Very important type of community association insurance, which combines the following individual types of coverage into one comprehensive policy to save the association money:

  • Property Coverage for the association’s owned properties such as clubhouses, cabanas, pools, sports courts and other outdoor items
  • Commercial General Liability Insurance
  • Crime Coverage to protect the association’s money against employee dishonesty, forgery & alteration, computer and funds transfer fraud. Non-compensated directors and officers, property managers and temporary and leased employees are all defined as “employees.”
  • Commercial Auto Coverage including Hired & Non-owned Automobile Liability

Directors & Officers Liability Insurance This is one of the most important policies you can purchase for your association. This policy provides valuable coverage for past and present board members and board approved committees from lawsuits that stem from the difficult decisions they make while serving on the board of directors and committees. Our D&O policies cover monetary and non-monetary claims at first dollar defense. Additional policy coverage includes protection for management companies, cyber liability coverage, and defense outside the limit of liability. Shouldn’t your board members and board designated committee members who volunteer their time to serve their community have the best possible protection?

Stand-alone Crime Coverage

This type of community association insurance is typically for high limits ($500,000 or more). We can also provide Excess Crime coverage over the limit on a Common Area Package policy.


Will provide coverage over and above the underlying General Liability, Directors & Officers Liability, Automobile Liability and Worker’s Compensation Insurance with limits from $1 Million to $200 Million.

Worker’s Compensation Insurance

For associations with and without payroll. Associations with no employees still have Worker’s Compensation exposure. This type of insurance is very affordable and it can give your association peace of mind.

Flood Insurance

Excluded on all Property Insurance policies, so if your association is located in a flood zone, this type of community association insurance is a must.

Differences in Conditions Coverage

For earthquake risks. This type of insurance can be an optional coverage for Condominium Associations and Single Family Homes associations with owned buildings.

Liquor Liability Insurance

For associations that allow the dispensing of alcohol. This type of insurance covers potential claims from someone involved in an accident after buying or being served liquor.


Top 5 Risks

  • Slip & fall bodily injuries
  • Member & Board of Directors Disputes
  • Lawsuits
  • Vehicle Damage due to Gate Malfunction
  • Gate or Perimeter Wall damage caused by vehicles

Real Talk About HOAs

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

Sample Certificates

Sample Certificate of Liability Insurance that your vendors should supply your HOA are available upon request.


Should security companies be armed or not?

How do I keep the pool safe in my HOA?

Why Insurance Broker Over Agent?

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Call 415-242-8773 Monday – Friday: 8 AM – 5:30 PM PST