A local firm,
shaped by
decades of client
needs.
Who We Are
A partner you can
count on.
We began as James Greco Associates, working with local employers to design and support their employee benefit plans. Over time, as the needs of our clients evolved, so did we. Carmel Bay Group reflects that next chapter — a continuation of the same work, with a broader perspective and a more complete approach.
The role of a benefits broker has changed. Employers today face growing compliance obligations, more complex administration, and employees who need more support navigating their plans. We have grown alongside those demands — helping clients not just choose the right plans, but manage what surrounds them: compliance documentation, carrier issues, regulatory deadlines, and day-to-day employee questions.
Over the years, we have helped employers navigate the ACA, supported employees through difficult claims, and built relationships that have lasted decades.
We make insurance easier to understand and more useful when people need it.
Founder & Principal Broker
Meet James Greco
James Greco is the founder and principal broker of Carmel Bay Group Insurance, bringing more than four decades 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.
Before entering the insurance industry, James spent many years studying classical music. He later brought that same discipline to building an insurance practice grounded in integrity and follow-through.
Together with his wife and family, he has built a business centered on doing right by clients and maintaining long-term, trusted relationships.
Meet Michael Greco
Michael Greco leads much of the service, employee support, and compliance follow-through at Carmel Bay Group Insurance. His work focuses on making benefit programs easier to understand, access, and use — both for employers and the employees who rely on them.
He is constantly looking for better ways to help employees get more from their coverage. For the employers Carmel Bay Group serves, that kind of ongoing support makes a meaningful difference.
Before coming to insurance, Michael spent many years as a songwriter, arranger, and music educator. Today, he brings that same creativity and drive to make insurance better, clearer, and more useful for the people who depend on it.
Client Service, Strategy & Compliance
Put our experience to work
Let’s make insurance work better for you.
Whether you are managing employee benefits or planning for your family, put our experience to work for you.