About Us

Redwood City Insurance AgencyFounded in 1955 as the McCarthy Company, Bay Area Insurance Agency, Inc. (BAI) has enjoyed over 50 years of serving Northern California’s Commercial Insurance needs. In 1975 as the Homeowner 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 Homeowner Association Insurance. BAI currently serves the insurance needs of over 400 Associations throughout the State of California. The combination of our experience/expertise in the market, and access to the top rated insurance companies in the industry, means our clients enjoy a quality of service and products that is unparalleled.

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

  • Attending 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.
  • Attending Property Manager staff meetings upon request.
  • Monthly newsletters informing Property Managers and HOA boards about any updates within the Homeowner Association insurance industry and/or at BAI.

Because of our longevity in the HOA insurance industry and our years of experience, Bay Area Insurance is able to offer insurance programs custom made to fit all your needs. At BAI 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 complete and competitive coverage and premiums available. In conjunction with Homeowner Association we 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 business needs. Here are just a few examples:

  • Commercial property
  • Office packages
  • Tech industry
  • Country clubs and golf courses
  • Auto repair

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

An Independent Advantage

We are Independent Agents in Redwood City, California, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. 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.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.

January 10th, 2017 by Bay Area Insurance