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Welcome !

The world is full of risks around every corner, and it seems like they are becoming more frequent in recent years. Hurricanes, one of the most destructive forms of weather, are occurring more often. A new disease worth watching and worrying over threatens societal health every few months. Even traffic accidents have been more common, despite less traffic.

Bay Area Benefits connects Florida clients with insurance policies that best suit their needs. Driving residents need to meet personal injury protection and property damage liability minimums for insurance when operating a car, motorcycle, or other vehicles. Homeowners may be required to carry insurance with an open home loan. Most types of insurance are not mandated, but having boat, health, or life insurance at the right time can stave off financial ruin in already difficult times. We specialize in Medicare plans and carry most of the eligible carriers in most markets. We are also experts at the Affordable Care Act ("Obamacare") and can help you get the best plan at the best price. As always, our services are always free of charge.

We service many states:

Alabama• Arizona• Arkansas• Florida• Georgia• Illinois• Iowa• Kansas• Louisiana• Massachusetts• Mississippi• Missouri• Nebraska• New England
• New Hampshire• North Carolina• North Dakota• Ohio• Oklahoma• Oregon• South Carolina• Tennessee• Texas• Utah• Virginia• Washington
• West Virginia• Wyoming

Insurance premiums vary with the amount of coverage, covered risks, and the risk of every person and item involved. A quote on the insurance price may take some time, but home and auto insurance shoppers can receive a faster sample quote using the automated online tool.

Commercial insurance and group policies are even more complex, often covering risks from several categories, but they help both the policyholders and the insurance companies provide more value to each other via scale.

Whether you are a typical Florida resident looking to cover your bases or a large company seeking more comprehensive policies, Bay Area Benefits will help you find an insurance company that can cover your risks in a way that satisfies any legal requirements, reasonably covers the financial damage, and falls within your budget needs.

Call us as soon as possible to get started on finding and signing a new health, life, motor vehicle, watercraft, or other insurance policy. You never know what clouds will block that beautiful Florida sun tomorrow.

Products and the Number of Carriers

    • Air BNB Short Term Rentals (2)
    • Auto / Garage (6)
    • Auto: Personal (11)
    • Auto: Personal Non-Standard (4)
    • Boats/ Personal Watercraft (5)
    • Boiler & Machinery (2)
    • Bonds (7)
    • Bonds: License (4)
    • BOP (8)
    • Brokers (0)
    • Builders Risk & Remodel (4)
    • Canine Liability (2)
    • Child Care (1)
    • Churches (4)
    • Classic / Antique Autos (2)
    • Clubs & Associations (3)
    • Commercial Auto (14)
    • Commercial Property (13)
    • Commercial Umbrella (14)
    • Condo Units HO-6 (12)
    • Condominium Associations (7)
    • Contractors (10)
    • Convenience Store (3)
    • Cyber Liability & Technology (5)
    • Directors and Officers (3)
    • Dwelling Fire (10)
    • Dwelling Fire Excess & Surplus (3)
    • Educational (3)
    • Entertainment/ Outdoor Sports (3)
    • Environmental (2)
    • EPLI (Employment Practices Liability) (5)
    • Equine (2)
    • Equipment Breakdown (4)
    • Equipment/Inland Marine (5)
    • Errors & Omissions (4)
    • Fidelity (5)
    • Finance Companies (1)
    • Flood (13)
    • Flood Excess (8)
    • Food Services (1)
    • Foreign Liability Package (2)
    • Garage (4)
    • General Contractors (6)
    • General Liability (17)
    • Handyperson/ Remodelers (5)
    • Health & Fitness Centers (3)
    • HO-3 Excess & Surplus (5)
    • Home Based Business (2)
    • Homeowner Associations (3)
    • Homeowners HO-3 (16)
    • Homeowners HO-5 High Value (2)
    • Hurricane (3)
    • Inland Marine (6)
    • Jewelry/Personal Articles (2)
    • Lessors Risk (5)
    • Life (0)
    • Life Sciences (2)
    • Liquor Liability (3)
    • Manufactured Home (4)
    • Manufacturers (6)
    • Meat, Fish, & Ethnic Markets (2)
    • Medical Centers (7)
    • Middle Market (Larger Risks) (4)
    • Mobile / Manufactured Homes (4)
    • Motor Truck Cargo (5)
    • Non-Profits (4)
    • Permits (0)
    • Personal Lines (1)
    • Personal Umbrella (9)
    • Pest Control (3)
    • Premium Finance (1)
    • Private Flood (3)
    • Products Liability (6)
    • Professional Liability (5)
    • Realtor E&O (1)
    • Recreation, Sports, Outdoors (4)
    • Recreational Vehicles (2)
    • Renters HO-4 (7)
    • Restaurant Programs (2)
    • Schools and Education (2)
    • Seafood (3)
    • Special Events (2)
    • Tank Liability (3)
    • Technology (5)
    • Tow Trucks (3)
    • Toys (5)
    • Trade Contractors (7)
    • Trucking / Transportation (5)
    • Trust Owned Dwellings (2)
    • Vacant Property (3)
    • Wholesale (4)
    • Wholesale & Distributors (4)
    • Wind Only (Coastal) (2)
    • Workers Comp (14)
    • Yacht (3)

    We  are a trusted source for dental, vision, long term care, final expense and employee benefit plans in the area.

Call us today and see what the Bay Care One-Stop-Shop difference can mean for you!

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Partner Carriers

  • AAA Medicare
  • Aetna
  • Allstate
  • American Integrity
  • American Modern
  • AmTrust
  • Avatar
  • Bankers
  • BayCare
  • CarePlus
  • Bright Health
  • CarePlus
  • Cigna
  • Dairyland
  • Foremost
  • Freedom
  • Hagerty
  • Humana
  • Kemper/Infinity
  • Liberty Mutual
  • LifeRaft Benefits
  • Mercury
  • Met Life
  • National General
  • Nationwide
  • OptimHealth Medical
  • Optimum
  • Oscar Health Plans
  • Philadelphia American
  • PIE Insurance
  • Safeco
  • Simply
  • The General
  • The Hartford
  • Travelers
  • Ultimate
  • United Health
  • Universal Property & Casualty
  • WellCare