Business Details
21 Years
experience
Your Trusted Independent Insurance Agency in Cape Girardeau
As a locally owned and operated insurance agency in Cape Girardeau, MO, Capital Insurance & Associates has served individuals and businesses for over 20 years. With over a century of combined industry experience, our team of licensed professionals specializes in crafting personalized risk-management solutions tailored to each client's unique needs. Our independence from insurance carriers allows us to offer competitive coverage options across multiple providers, ensuring clients receive comprehensive protection for personal lines, commercial policies, and specialty insurance products. We prioritize customer service above all else, maintaining lasting relationships with hundreds of satisfied clients throughout Southeast Missouri and beyond. 
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Health Insurance
Renters Insurance
Flood Insurance
General Liability
Workers Compensation
Umbrella Policies
Motorcycle Insurance
Details
- Year established: 2005
Highlights and features
- We have over 20 years of community service experience in Southeast Missouri
- Our team possesses over a century of combined insurance industry expertise
- As an independent agency, we access multiple carriers for competitive rates
- We prioritize one-on-one client relationships and personalized policy solutions
- We offer comprehensive coverage for both personal and commercial insurance needs
Services
Auto Insurance
Auto insurance policies protect against financial losses from accidents, theft, or vehicle damage. Our agency helps clients select appropriate liability, collision, and comprehensive coverage options. We provide guidance on state-mandated minimums and additional protections for personal and commercial vehicles.
Homeowners Insurance
Homeowners insurance covers property damage, personal liability, and additional living expenses during covered losses. We offer policies that protect against common risks like fire, theft, and weather damage while providing customizable endorsements for enhanced coverage.
Business Insurance
Business insurance protects companies from financial risks through liability, property, and workers' compensation coverage. Our agency tailors policies to specific industries, offering general liability, commercial auto, and business interruption insurance solutions for small to mid-sized enterprises.
Health Insurance
Health insurance plans help manage medical expenses for individuals and families. We provide access to various options including individual policies, group plans, and supplemental coverage to meet diverse healthcare needs and budget requirements.
Renters Insurance
Renters insurance covers personal property damage and liability for tenants. Our policies protect against common perils like fire and theft while offering additional coverage for temporary living expenses during displacement from covered events.
People
Abby Versheldon
Producer/Personal Lines CSR
Insurance professional specializing in personal lines coverage with expertise in policy customization and client service.
Chris Gross
Partner, Producer
Experienced insurance producer and business partner with extensive knowledge of commercial and personal insurance solutions.
Deborah Gross
Partner, Office Manager
Office management professional ensuring efficient operations while contributing insurance expertise to client service delivery.
John Wondel II
Partner, Producer
Licensed insurance producer and business partner with specialization in commercial risk management solutions.
Kenneth K.C. Martin
Producer / Commercial Account Manager
Commercial insurance specialist managing business accounts and providing tailored risk management strategies for organizations.
Questions
What types of insurance do you offer?
We provide auto, home, business, health, renters, flood, general liability, workers' compensation, umbrella policies, and motorcycle insurance solutions.
Are you a local insurance agency?
Yes, we're locally owned and operated in Cape Girardeau, MO, serving clients throughout Southeast Missouri and surrounding regions.
How can you help with insurance customization?
Our independent agency accesses multiple carriers to create personalized policies that match your specific risk management needs and budget.
Do you offer commercial insurance for small businesses?
Yes, we specialize in commercial insurance packages including liability, property, and workers' compensation coverage for small to mid-sized businesses.
Can I get insurance quotes online?
Yes, our website provides online quote submission options for auto, home, business, health, and other insurance types.
