As a true independent agency, we directly represent over 20 of the best insurance companies in the market. These carriers, range from the largest stock companies to an array of mutual companies. They provide Bay Area with both specialized capabilities and broad versatility. The philosophy of Bay Area's management is reflected in the agency's business plan. This plan centers on honesty, loyalty and providing top quality professional services with genuine regard for the personal differences between accounts. The need to react quickly to changes in our business environment is tempered by a clear understanding of the value in stable market relationships.