Founded in 1955 as “the McCarthy Company," Bay Area Insurance Agency, Inc. (BAI) has enjoyed over 60 years of serving Northern California’s Commercial Insurance needs. In 1975, as the Homeowners Association industry was taking root in California, a young producer by the name of Jim Brady (BAI’s current President) started to carve out a niche that would become the trademark of this successful agency. Since that time, Bay Area Insurance has developed into one of the preeminent brokerages in the area of Homeowners Association Insurance. BAI currently serves the insurance needs of over 400 Associations throughout the State of California. The combination of our experience and expertise in the market, coupled with our access to the top rated insurance companies in the industry, enable us to provide our clients with a quality of service and products that are unparalleled.

BAI's courteous and experienced team will go the extra mile to satisfy your insurance needs. Some of our specialty services include, but are not limited to:

  • Attendence at HOA board meetings – at which we can answer any and all questions unit owners and property managers may have regarding coverages, companies, trends in the market, etc.
  • Attendence at Property Manager staff meetings upon request.
  • BAI provides articles, documents and other resources to educate Property Managers and HOA boards about any updates to inform Homeowners Associations as necessary.

BAI's longevity in the HOA insurance industry empowers us to provide insurance programs custom made to fit all your specific needs.

We specialize in:

  • Master Policies
  • Earthquake Insurance
  • Directors and Officers Insurance
  • Fidelity Bonds
  • Common Area Liability
  • Umbrella Policies
  • HOA Workers Compensation
  • Flood

At Bay Area Insurance, we represent nearly every major insurance company in the Homeowner Association market. Our outstanding relationships with each of these companies and their employees at every level, gives us the ability to seek out the most competitive rates available for your Homeowners Association. Each year we market our accounts to provide the most comprehensive coverages and competitive premiums available. In conjunction with Homeowners Association Insurance, we also provide a wide range of personal lines products.

  • HO 6 Condominium owner’s policy
  • HO 3 Single family dwelling
  • Renters Insurance
  • Umbrella
  • Earthquake
  • Flood
  • Personal auto

We also provide insurance for all your business needs. Here are a few examples:

  • Commercial property
  • Office packages
  • Technology Industry
  • Cyber Liability
  • Property Manager E & O Insurance
  • Country Clubs and Golf Courses
  • Workers Compensation

Bay Area Insurance is a full service agency, which means we personally handle all the insurance quoting, certificate issuing, and claims management in house.

An Independent Advantage

Bay Area Insurance is an Independent Insurance Agency. We do not work for any single insurance company; we work for you.  We have access to a wide variety of the top insurance companies in the industry, and as a result we are able to hand select the ideal carrier to fit your specific insurance needs.  Furthermore, If you have a loss, we deal directly with the company on your behalf to ensure you get prompt service and fair compensation. Bay Area Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.