Insurance Benefits

for Monterey Bay

Learn about Group Benefits

Insurance Benefits

for Monterey Bay

Learn More

Employee Benefits

group health insurance plans for startups and small business.

Life Insurance

protect your family and business-

affordable plans designed with care

Long-Term Care

a plan for care-

when it matters the most

Employee Benefits

group health insurance plans for startups and small business.

Your People, Our Priority

At Carmel Bay Group, we understand how much your employees and families mean to you—that’s why they mean so much to us. For over 30 years, we’ve been working alongside businesses to create insurance and benefit plans that truly make a difference.

With decades of experience and a promise to always put our clients first, we’ve helped businesses provide meaningful benefits for their teams and their families.

Based out of Carmel, California, we offer group health insurance, employee benefits, life and disability coverage, annuities, and long-term care insurance.

If you’re looking for a trusted, local partner who cares about your success as much as you do, let’s talk.

Request a quote or a free plan review today

About Us

James Greco

James set out to become an insurance company that people could count on and trust. That was 35 years ago. Since then, he's helped countless individuals and businesses achieve their financial and employee benefits goals.

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Testimonials

What People Are Saying

"Michael is wonderful. His quick responses to any questions I may have had when I first started with my company, were answered in a timely and professional manner. I also appreciate the birthday recognition. I am so happy I am not just a name on a roster. They care about their clients and it shows!"

Amber R.

"James Greco has been our insurance agent for over 30 years. He has provided us with exceptional service making sure we got the best service for both our company needs as well as personal. I honestly don't know what we would have done with him! He is very meticulous and hard-working and never drops the ball."

Daphane D.

"James Greco and his team have been an invaluable asset to our business. I started in my position as a firm administrator over 5 years ago and have relied heavily on the knowledge, integrity and responsiveness of James Greco and his team. They work hard in making sure we offer competitive benefits to our employees at the best value. They have also been instrumental in helping us streamline our HR processes. I recommend James Greco Associates to anyone looking to take the headache out of benefits administration."

Vanessa H.

"James Greco has helped our business with insurance and employee benefit needs for over 4 years now and has been excellent! His team's service has been exceptional; their response time to emails and calls is immediate, they educate us on items we are not the experts in and are always willing to go the extra mile for us. I highly recommend their services!"

Alan B.

"I have had the pleasure of working with Jim for some 8 years now - but the company as a whole has worked with him for a lot longer! He is so easy and pleasant to work with. We trust him implicitly with our insurance needs, and he is easily able to explain all of our coverage in a manner that makes sense to both the business owners and staff. I highly recommend him!"

Francesca T.

"James Greco has served my individual and business insurance needs for over 25 years and I'll never consider going anywhere else. James is professional, friendly, and knowledgeable, and has the best portfolio of insurance services you will find anywhere. I will always be grateful for one policy, in particular: a disability policy I bought from James that saved me from financial ruin and likely saved my life as well."

Karl V.

"James and his team are so easy to work with and I couldn't imagine handling benefits for my clients without his help. He has great communication and responsiveness and I find he is always a quick phone call or email away to answer any questions or help employees."

Tessa C.

"Jim Greco has personally represented my company's insurance interests for almost three decades and I can recommend his services without reservation. He is honest, very responsive, and highly experienced - a consummate professional."

Gerald P.

"My relationship with James' office has dramatically changed over the years. It started with personal life insurance and has expanded to business health and business group benefits. James is always on top of current trends and modifications that need to occur on a as-needed basis. I feel he is always looking out for my best interests on many levels!"

Todd C.

Amber R.

Expert guidance for your most important goals.

Why Us

Helping Businesses and Families Secure Their Future

For Businesses:
Imagine a workplace where your team feels truly supported—where benefits are not just a line item, but a key ingredient in cultivating loyalty and productivity. Are rising costs holding you back from delivering a health plan that your employees value and appreciate?

For Individuals:
Picture a future where your family is prepared for the contingencies of life with the security to thrive no matter what life brings. Do you have a plan in place that not only protects your loved ones but also builds lasting financial stability?

At Carmel Bay Group, we design solutions that empower both businesses and individuals. Our group health insurance and employee benefit plans are tailored to strengthen businesses and support their teams. For individuals, we offer life insurance, disability coverage, long-term care, and annuities to safeguard those who matter most.

Wherever you are in life or business, we’re here to help you succeed. Explore the service that matters most to you and discover what’s possible with Carmel Bay Group Insurance.

Services