Business Details
46 Years
experience
Trusted Insurance Solutions in Lansing, MI
Capital Insurance has been a trusted name in the insurance industry since 1980. Originally established in Lansing, Michigan, our agency has grown through referrals from satisfied clients while maintaining a commitment to personalized service. We offer a comprehensive range of personal and commercial insurance products, including auto, home, business, health, and bond insurance. Our independent agent model allows us to work exclusively for our clients, ensuring they receive the best combination of price, coverage, and service. With over four decades of experience, we pride ourselves on treating clients like individuals rather than numbers.Our team of licensed professionals provides tailored solutions, regular coverage reviews, and innovative approaches to meet evolving insurance needs. We operate with integrity, transparency, and respect while maintaining strong community ties. As Michigan residents ourselves, we understand local risks and work to exceed customer expectations. Our vision includes attracting top talent to maintain our reputation as a leading Mid-Michigan insurance provider. Through our dedication to education and continuous improvement, we ensure our clients receive expert guidance and comprehensive protection for all their insurance needs.
Services
Homeowners Insurance
Auto Insurance
Commercial Insurance
Cyber Liability
Bond Insurance
Health Insurance
Personal Umbrella
Professional Liability
Surety Bonds
Workers Compensation
Details
- Year established: 1980
Highlights and features
- We offer 40+ years of experience in Michigan's insurance market
- Our independent agent model works exclusively for clients' interests
- Team includes licensed professionals with specialized insurance expertise
- We provide personalized service with no automated phone systems
- Family-owned business serving three generations of Michigan customers
What people say
Outstanding service
Amazing service
Invaluable resource
Personalized approach
Seamless process
Services
Homeowners Insurance
Homeowners Insurance protects your primary residence against covered perils like fire, theft, and weather damage. This coverage includes property protection, personal liability, and additional living expenses if your home becomes uninhabitable. Our customized policies ensure appropriate coverage limits based on individual needs while providing optional endorsements for specific risks like floods or earthquakes. We offer competitive pricing through multiple carrier options.
Commercial Insurance
Commercial Insurance protects businesses from industry-specific risks through customized coverage packages. Our offerings include property insurance, liability protection, workers' compensation, and specialized coverages like cyber liability and professional liability. We tailor Business Owners Policies (BOPs) for small to medium enterprises while providing standalone coverage options for larger organizations. Our agents work directly with business owners to identify unique risk exposures and implement comprehensive protection strategies.
Auto Insurance
Auto Insurance provides mandatory liability coverage and optional protections for personal and commercial vehicles. Our policies meet Michigan's no-fault requirements while offering customizable limits and endorsements. Coverage options include collision, comprehensive, personal injury protection, and uninsured motorist protection. We provide competitive pricing through multiple carrier partnerships and offer various discounts including multi-policy, good driver, and occupational discounts.
Cyber Liability
Cyber Liability Insurance protects businesses against financial losses from data breaches and cyber attacks. Our coverage includes protection against network security breaches, privacy violations, and technology-related risks. The policies help cover costs associated with data recovery, legal fees, regulatory fines, and business interruption. We provide customized solutions for businesses of all sizes that rely on digital operations, with specific protections tailored to industry requirements and risk exposure levels.
Surety Bonds
Surety Bonds provide financial guarantee protection for various business requirements. Our offerings include fidelity bonds, license and permit bonds, and court bonds tailored to specific industry needs. These bonds ensure compliance with regulatory requirements while protecting against financial loss from breaches of contract or failure to meet obligations. We specialize in mortgage bonds, liquor bonds, and fiduciary bonds, working with clients to determine appropriate coverage amounts and terms based on their specific circumstances.
People
Adam Gilroy
President
President of Capital Insurance with 23 years of experience in professional liability. Specializes in advising clients on insurance exposures while maintaining active community involvement through SBAM Leadership Council and local sports coaching.
Dan McKerr
Senior Account Executive
Lansing native with 30+ years in insurance. Specializes in healthcare professional liability, lawyer liability, and commercial coverage. Active in local community organizations including St. Gerard Parish and Lansing Catholic High School.
Angie Moberg
Senior Account Executive
Senior account executive with 35+ years of insurance and bond experience. Former president of the State of Michigan Surety Association. Specializes in helping clients meet complex bonding requirements while maintaining family-oriented values.
Stephanie Sullivan
Commercial Lines Account Manager
Licensed agent with six years of insurance experience and business administration degree. Focuses on commercial lines while balancing work responsibilities with family life and outdoor activities.
Nelson E. Gilroy
Founder
Founder of Capital Insurance (1980-2016). Recognized life insurance producer with expertise in professional liability. Devoted Michigan State fan and active participant in family activities including hunting, fishing, and golf.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, life, health), commercial insurance (BOP, liability, workers comp), surety bonds, and specialty coverage like cyber liability.
How can I file an insurance claim?
You can file claims through our website's service center, by phone at (800) 968-5445, or through your personal account manager within our office.
Do you offer insurance discounts?
Yes, we offer multiple discounts including multi-policy, multi-vehicle, good driver, good student, and occupational discounts that can save up to 37% annually.
What areas do you service?
We primarily serve Lansing and all Michigan locations, providing personalized insurance solutions to residents and businesses throughout the state.
How do I get a personalized quote?
Request a customized quote through our website's dedicated icons, contact us directly, or visit our Lansing office for in-person consultation with our agents.
Are you available for after-hours assistance?
Our regular office hours are Monday-Friday 8:30am-5:00pm with weekend appointments available, but we do not provide 24/7 emergency services.
