WHO WE ARE
Helping people
build
something better.
Insurance is too important to feel transactional. The right coverage can make a meaningful difference in people’s lives, and that belief has guided our work for more than 40 years.
Carmel Bay Group Insurance is an independent brokerage based in Carmel, California. We bring together employer benefits and individual protection—including group health, life insurance, disability income, and long-term care planning—to help businesses and families feel more secure today.
We work with employers, nonprofits, business owners, and families throughout the Monterey Bay. Our clients include many of the professional firms and organizations that help make this area thrive, from hospitality groups and arts organizations to local businesses and community nonprofits.
START HERE
What would you like to do
today?
Design a new plan for your team
You’ve reached the point where benefits matter — for hiring, retention, and taking care of your team. We’ll help you understand your options, what they cost, and what makes sense for a company your size.
Optimize your current coverage
Many of our clients come to us from another broker — or no broker at all. If you need a better plan, or you’re not getting the service you expected, we can help you improve your support without changing your plan or carrier.
Secure protection for your family
Life insurance, disability income, and long-term care are easy to put off — until they become important. We help individuals and families think through their options clearly, with the same independent, no-pressure approach we bring to our employer clients.
A benefits plan is only as good as the team standing behind you when you need them.
Already have a health plan?
Are you getting
the broker
support you
need?
Broker service varies widely. If your current coverage is fine but you’re not getting the practical help that makes the day-to-day administration of your plan easier, you don’t need to change carriers.
At no cost to you, a simple Broker of Record change allows Carmel Bay Group to service your existing plan—without changing your carrier, coverage, or raising your rates.
From Our Clients
What our clients are saying
★★★★★
Amber R.
Google Review
Michael is wonderful. His quick responses to any questions I may have had were answered in a timely and professional manner. I am so happy I am not just a name on a roster. They care about their clients and it shows!
★★★★★
Daphane D.
Google Review
James Greco has been our insurance agent for over 30 years. He has provided us with exceptional service — very meticulous and hard-working and never drops the ball.
★★★★★
Vanessa H.
Google Review
James Greco and his team have been an invaluable asset to our business. I have relied heavily on their knowledge, integrity, and responsiveness — and they’ve helped us streamline our HR processes.
Reviews verified from Google Business Profile
GET STARTED
Ready to learn more?
Whether you’re reviewing your current coverage or building a new benefits program, we
have some ideas we’d be glad to share.