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
As principal broker at Carmel Bay Group Insurance, James brings more than three decades of experience in employee benefits, estate planning, and investment planning. His approach is simple: align with each client’s goals and help them achieve meaningful results.
You can count on him to be authentically committed to you and your objectives. Whether it's finding the best life and health insurance for your company or helping an employee resolve a claim, James is committed to making insurance work in your life.
Throughout his 35 years in the industry, James has worked with the leading carriers in the industry, refusing to settle for anything less than the best. For him, delivering value is a labor of love and a stand he takes with personal integrity.
Before going into insurance, James spent many years studying classical music and composition before rechanneling his discipline and ambition to the world of insurance and employee benefits. Together with his wife and four children, he’s built a practice centered on integrity and doing right by his clients.
In 2021, James welcomed his son Michael into the business, paving the way for the next generation of innovative employee benefits solutions. Together, they remain committed to the core principles that define Carmel Bay Group: service, integrity, and helping clients make the most of their benefits
Carmel Bay Group
Meet Michael Greco
As one of the founding brokers of Carmel Bay Group, Michael leads the CBG enrollment and support team out of Santa Cruz, California. He began working at Carmel Bay Group in 2021 after being an educator, songwriter and a studio recording artist. Since then he’s repurposed his talents and ambition to elevate the ‘benefit experience’ for companies and their employees.
When you reach out to CBG, you’ll be taken care of in a genuinely helpful way. Among the many hats Michael wears, he assists employees with questions on their benefits, finding in-network providers and helping them navigate an often confusing healthcare system. His mission is to provide amazing service and be the support link employees need to maximize their benefits and live a better life.
Making it easier for people to get the healthcare they need is what Michael and CBG is all about.