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An Independent Agency
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
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Capital Insurance & Financial Services, Inc.
Learn more about us.
Founded in 1998, our agency has grown into an amazing team with well over 175 years of combined experience to help you find the insurance solutions you need and to fulfill your financial goals. As a full-service, independent agency, we work with multiple insurance companies to bring you the right coverage at the best possible pricing.
With three office locations in North Carolina, we primarily serve clients throughout the local Triangle area, as well as across the United States. We are here to meet and exceed the expectations of the individuals, families, and small businesses we serve. Get in touch with our friendly, knowledgeable team for unbeatable customer service every step of the way.
About Our Agency
The Solution To Your Insurance Needs
Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Capital Insurance & Financial Services, Inc. does best.
Looking for more insurance options?
At Capital Insurance & Financial Services, we offer a wide variety of insurance solutions.
5,000 Clients Throughout the US, Focused on NC
With three NC locations, we serve the Triangle area and beyond.
“I use and trust Capital Insurance for all of my insurance needs. You can trust these guys with your life.”
Lewis Bowles
“For once I did not have to deal with an automated system and it felt great to speak to a real live person who was very helpful. I'd recommend them to anyone.”
Lindsey Davis
“Capital Insurance has always taken great care of my insurance needs! They went out of their way to find me the best pricing on insurance.”
Carly PopPersonal Insurance Client
Real clients. Real reviews. Real coverage.
“They moved me from Geico to Central and tripled my coverage while still saving me money. Everyone I spoke to was personable, knowledgeable, and professional. Five stars!”
– Ansley Schenck
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Capital Insurance & Financial Services, Inc. + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
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What Makes Capital Insurance & Financial Services, Inc. Special
Here’s what sets us apart when it comes to serving your insurance needs.
Building Relationships
We focus on getting to know you to better understand your needs and situation. With 5,000+ clients, we are proud to establish relationships with everyone.
Quality, Affordable Coverage
We understand that having the right insurance starts with having affordable coverage that fits your needs and budget. By working with you, we can find the perfect balance.
Helping Our Clients
We are here to help you reach your financial goals by providing you with the right solutions, advice, and service. No matter what you need, we work hard to exceed expectations.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
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