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Bay Area Benefit Consultants

We service all of Florida and specialize in the Tampa Bay / Central Florida markets. We are a “one-stop” shop for all your insurance needs. Insurance policies serve as your individual protection. We carefully consider which insurance coverage options suit your individual needs and what should or shouldn’t be included in your policy. We want you to get the best coverage at the lowest rates possible. As an Independent Agency, we can work with great folks like Coterie!
For your insurance needs-We do it all!


10232 Millport Drive
Westchase, Florida 33626

Office Hours

  • Monday 09:00 AM - 09:00 PM
  • Tuesday 09:00 AM - 09:00 PM
  • Wednesday 09:00 AM - 09:00 PM
  • Thursday 09:00 AM - 09:00 PM
  • Friday 09:00 AM - 09:00 PM
  • Saturday 09:00 AM - 09:00 PM
  • Sunday 09:00 AM - 09:00 PM

Why our clients choose us

“"My restaurant was paying way too much for our liability and WC coverage. Greg gave me several options which saved me money and gave me a better solution. He was also instrumental in establishing my employee benefits package."”
“"I love dealing with Bay Area. They have every type of insurance imaginable It truly is a one-stop shop!"”
“"Greg not only did my personal health insurance but my home, autos, Key Man life policy and my insurance needs for my business. My motherinlaw is turning 65 soon and he's even helping her kick a plan. Man, it is great to only make one call for it all!"”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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Small Businesses

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At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!