About Carmel Bay Group
You’re unique. Your insurance benefits solution should be too.
About Us
Carmel Bay Group Insurance is an independent insurance and employee benefits firm based in Carmel-by-the Sea, California. For over 30 years, we’ve helped businesses and nonprofits deliver meaningful, cost-effective benefits for their employees and families.
We specialize in group health plans—fully insured and level-funded—and a wide range of employee benefits scaled to your needs. We also provide life, disability, annuities and long-term care insurance for business owners and families. These solutions serve as strategic planning tools to help protect assets and provide lasting financial security.
Our services extend well beyond finding the right insurance solutions. Navigating benefits and compliance can be complex, and even simple questions can have legal implications. That’s why we equip you with expert HR and legal guidance, ensuring you have the right answers when you need them. Through our partnership, you gain access to on-demand HR and compliance support, a service typically valued at thousands per year—at no additional cost.
Principal - Carmel Bay Group
Meet James Greco
James Greco is the founder and principal broker of Carmel Bay Group Insurance, bringing more than 35 years of experience advising employers, professionals, and families on employee benefits and insurance planning. He works closely with clients to understand their objectives and design benefit strategies that help them reach their goals.
James is known for his hands-on approach and long-standing carrier relationships, which allow him to advocate effectively for clients—whether evaluating benefit options, navigating renewals, or resolving complex coverage or claims issues. He believes the value of a broker lies in sound guidance, responsive service, and the ability to support clients when it matters most.
Before entering the insurance industry, James spent many years studying classical music and composition. He later rechanneled that discipline, structure, and attention to detail into building an insurance practice grounded in clarity, integrity, and follow-through. Together with his wife and four children, he has built a business centered on doing right by clients and maintaining long-term, trusted relationships.
Carmel Bay Group Insurance reflects James’s core belief that well-designed benefits, properly supported, can make a meaningful difference for businesses and their employees. The firm’s mission remains simple: helping clients make the most of their benefits through thoughtful guidance and dependable service.
Carmel Bay Group
Meet Michael Greco
Michael Greco is a licensed insurance professional who collaborates with Carmel Bay Group Insurance to lead employee benefit enrollment and ongoing plan support. Working with employers and employees alike, Michael focuses on making benefit programs easier to understand, access, and use.
Michael provides hands-on assistance to employees with benefit questions, in-network provider searches, and navigating the practical realities of today’s healthcare system. His approach is calm, clear, and service-oriented—helping individuals make informed decisions and avoid unnecessary frustration when using their coverage.
As an independent insurance professional, Michael brings a practical, employee-focused perspective to the benefit experience. His work supports Carmel Bay Group’s broader mission of helping organizations deliver benefits that function as intended and provide real value to the people who rely on them.