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.

Great Benefits. Stronger Teams.

Great benefits aren’t just another expense—they’re essential to your employees and a key driver of loyalty and motivation. At Carmel Bay Group, our mission is simple: to help you build affordable programs that give your employees the security, value, and support they deserve.

Your people are the heart of your organization. That’s why, for over 30 years, we’ve partnered with businesses and nonprofits to design benefits that truly support those behind the mission.

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

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

Taking Care of Family

Most of us don’t like to think about what could go wrong. But real love means planning for the moments we hope never happen. What if you couldn’t work for a while? What if you weren’t there to provide? Would your family have what they need—not just financially, but emotionally and practically—to carry on?

Life insurance, disability coverage, long-term care, and annuities aren’t just financial tools—they’re acts of responsibility, love, and foresight. They give your family time to grieve without panic, room to adjust without hardship, and the ability to stay grounded in the life you’ve built.

We can help you make these choices with care and clarity. It’s not about fear—it’s about strength, legacy, and doing what’s right for the people who matter most.

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

Services