• Established in February 2013, our company is a full service insurance agency. Bay Insurance Agency hopes to serve and meet the insurance needs of over Ten Million people and families. Our office includes a latest server system for record-keeping. Well trained personnel who can handle our clients. In addition, we have newly improved software with a provision for our clients to earn commissions from their referrals, secondly they can save their earnings, and thirdly they can borrow three times fold of their savings.

    A Professional Agency with Tuinuane Personal Accident Cover
    Bay Insurance Agency Ltd. is a firm of proven professionals, caring and reliable people; the kind of people you can depend on. Our primary aim is: to be honest and fair in all our dealings, to be interested in people and their problems, and to treat the client's needs as if they were our own. We are committed to a high standard of excellence in all that we do and to set up a firm relationship of mutual trust and service with each of our clients. We are an Independent Insurance Agency and work for you, not for an insurance company. We work on your side when you have a loss and follow through to see that you get fair and prompt payment. We represent a carefully selected financially sound and reputable insurance company. Hence, we offer the best insurance coverage at a competitive price.


    ACCIDENTAL PERMANENT TOTAL DISABILITY means bodily injury resulting in absolute disablement caused directly by accidental visible means. Compensation for permanent total disability following loss of or loss of use of a limb or limbs will be paid according to extent of disability caused. More details are available in the UAP website and B.I.A.L. website.

    MEDICAL EXPENSES means the cost of medical, surgical or other forms of remedial treatment as prescribed by a qualified medical doctor.

    COST OF ARTIFICIAL APPLIANCES means the cost of medical appliances prescribed by a qualified and registered member of the medical profession such as crutches.


  • BAY INSURANCE AGENCY LIMITED has introduced a new Family Protection Cover product with a COMPENSATION PLAN to tap new emerging markets. We have built a fully pledged system that will allow our clients recommend other clients for a similar cover thus earning a commission which they can save and also borrow monies. We are committed to support our clients' growing and continuously changing needs.

    Following successful registration with the relevant regulators, BAY has officially launched the TUINUANE PERSONAL ACCIDENT COVER in November this year. This is an occupational cover scheme that pools together benefits of more than one person / company or employer, and their employees.