Business Details
Based in Lansing Michigan, Capital Insurance Services is proud to serve the insurance needs of individuals and businesses of all sizes. Let us help you find the right auto, home, and commercial insurance to meet your needs. We are excited to have you here. You will find information regarding personal and commercial lines here to help guide you at different times of the year, and help you remember to do some of those annual household tasks.
You may also see something important that is happening in your industry featured in an article in this area. Please let us know if there is something you'd like to see us talk about! Please see the attached article on Gap Insurance and why this is an important coverage to purchase when buying a new vehicle using either a loan or lease. You might notice the article is a little out dated, but still rings true today.
Dealers and financial institutions will offer this. The attached article talks about Cyber Liability and Data Breach coverage for your business, which is an essential coverage for any business in today's connected world.
You may also see something important that is happening in your industry featured in an article in this area. Please let us know if there is something you'd like to see us talk about! Please see the attached article on Gap Insurance and why this is an important coverage to purchase when buying a new vehicle using either a loan or lease. You might notice the article is a little out dated, but still rings true today.
Dealers and financial institutions will offer this. The attached article talks about Cyber Liability and Data Breach coverage for your business, which is an essential coverage for any business in today's connected world.
Services
About Capital Insurance Services
Capital Insurance Services is one of Lansing's largest insurance agencies.
Originally established in 1980, our firm has flourished through referrals from customers' families and friends.
We have steadily expanded to meet the growing needs of our clients.
Today, we offer a comprehensive range of business and personal insurance products and services.
We are value-hunters who look after your best interest to find the best combination of price, coverage, and service.
We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, and health.
Originally established in 1980, our firm has flourished through referrals from customers' families and friends.
We have steadily expanded to meet the growing needs of our clients.
Today, we offer a comprehensive range of business and personal insurance products and services.
We are value-hunters who look after your best interest to find the best combination of price, coverage, and service.
We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, and health.
Get A Quote
Your home is the center of your daily life, and likely your most valuable asset.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understand this simple fact.
Capital Insurance Services, Corporation can help you find the homeowner's insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Capital Insurance Services offers insurance products for your business.
Our professional agents will consult with you on the coverage and premiums that meet your specific needs.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understand this simple fact.
Capital Insurance Services, Corporation can help you find the homeowner's insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Capital Insurance Services offers insurance products for your business.
Our professional agents will consult with you on the coverage and premiums that meet your specific needs.
Personal Lines
Your home is the center of your daily life, and likely your most valuable asset.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understand this simple fact.
Capital Insurance Services, Corporation can help you find the homeowner's insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
One of our agents will get back to you within 72 hours to help you find the right insurance at the right price.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understand this simple fact.
Capital Insurance Services, Corporation can help you find the homeowner's insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
One of our agents will get back to you within 72 hours to help you find the right insurance at the right price.
Homeowners
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events.
It will also cover you in the event someone is injured while on your property and wins a legal judgement against you.
Homeowners policies differ by which losses are covered, which coverage you choose, and what type of residence you own.
You choose which policy is best for you, whether it's a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it's a policy that covers only specified losses.
It will also cover you in the event someone is injured while on your property and wins a legal judgement against you.
Homeowners policies differ by which losses are covered, which coverage you choose, and what type of residence you own.
You choose which policy is best for you, whether it's a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it's a policy that covers only specified losses.
Condo
If you own a townhouse or condo, you have different insurance needs than the typical homeowner.
Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building.
If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package.
Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.
Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building.
If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package.
Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.
Renters
You have a lot of things that are important to you - from your clothes and furniture to your sound systems, sports gear, and computer.
You want to feel confident that everything you've worked for is not at risk.
Let Capital Insurance Services help you find coverage options that protect you, your family, and your personal property.
Your renters insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.
You want to feel confident that everything you've worked for is not at risk.
Let Capital Insurance Services help you find coverage options that protect you, your family, and your personal property.
Your renters insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.
Flood
Standard homeowners and renters insurance policies do not cover flooding!
Since flooding can occur anywhere it rains, every homeowner should consider purchasing a flood policy.
Many homes are not located in high-risk flood zones, however they are still at risk due to snow melt, poor drainage, saturated grounds, and clogged storm drains.
Flood coverage is available in participating communities and may be required as part of a federally-backed mortgage if you live in a flood-zone.
With a 30-day waiting period before coverage takes effect, don't wait until flood season to purchase your policy.
Since flooding can occur anywhere it rains, every homeowner should consider purchasing a flood policy.
Many homes are not located in high-risk flood zones, however they are still at risk due to snow melt, poor drainage, saturated grounds, and clogged storm drains.
Flood coverage is available in participating communities and may be required as part of a federally-backed mortgage if you live in a flood-zone.
With a 30-day waiting period before coverage takes effect, don't wait until flood season to purchase your policy.
Boat
Although boat insurance is not legally required by the State of Michigan, it may be a requirement if your boat is financed.
Many marinas may also require insurance before allowing you to dock your boat there or rent a slip for the season.
Even if insurance is not required it is still a good idea.
Like car insurance, boat insurance includes general liability which protects you in the event that you are responsible for any injuries or damages you cause.
Your boat will also be covered in the event of a collision, theft, vandalism, storm damage, which provides you with peace of mind.
Many marinas may also require insurance before allowing you to dock your boat there or rent a slip for the season.
Even if insurance is not required it is still a good idea.
Like car insurance, boat insurance includes general liability which protects you in the event that you are responsible for any injuries or damages you cause.
Your boat will also be covered in the event of a collision, theft, vandalism, storm damage, which provides you with peace of mind.
Auto
In Michigan, you're legally required to have the required coverage listed below.
Once you're familiar with the basics, take a look at the common coverage levels of policyholders in Michigan.
It's a great way to get a sense of what others are choosing in your area.
Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
Covers expenses related to the damage of another person's property - like vehicles, homes, buildings, and other structures - when an accident is your fault.
Once you're familiar with the basics, take a look at the common coverage levels of policyholders in Michigan.
It's a great way to get a sense of what others are choosing in your area.
Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
Covers expenses related to the damage of another person's property - like vehicles, homes, buildings, and other structures - when an accident is your fault.
Motorcycle
You've bought the bike of your dreams, and you're going to need insurance immediately to protect it.
There's no sense in taking chances, so it's a good idea to have your insurance options in place before you even go shopping.
Capital Insurance Services can help you sort it out before you go.
We take motorcycle coverage as seriously as you do.
Rev up your savings today by requesting a quote.
No matter what you own - a sport bike, cruiser, standard, touring bike, or any other custom ride - you can turn to us for great rates and the best coverage options.
There's no sense in taking chances, so it's a good idea to have your insurance options in place before you even go shopping.
Capital Insurance Services can help you sort it out before you go.
We take motorcycle coverage as seriously as you do.
Rev up your savings today by requesting a quote.
No matter what you own - a sport bike, cruiser, standard, touring bike, or any other custom ride - you can turn to us for great rates and the best coverage options.
Classic Car
Because of its value, your classic car deserves better insurance than an everyday driver.
Think of this: your collectible car may just register as an older vehicle on your current auto policy.
If an accident occurs, you could be left short when trying to replace it.
Allow us to write your classic car auto insurance policy.
This coverage is geared towards the actual collectible value of your car.
It's one thing to be able to get another car, it's quite different to be able to replace your classic car.
Think of this: your collectible car may just register as an older vehicle on your current auto policy.
If an accident occurs, you could be left short when trying to replace it.
Allow us to write your classic car auto insurance policy.
This coverage is geared towards the actual collectible value of your car.
It's one thing to be able to get another car, it's quite different to be able to replace your classic car.
Recreational Vehicle
Your RV is not just a vehicle, but your home away from home, and like your home it requires special protection.
RV insurance is like two policies in one, it protects your vehicle like a car, and it also protects your living area like a home.
Without a solid comprehensive RV insurance policy, you may be missing coverage that every RV owner needs.
Even if you have a current auto policy that offers some coverage, your motor vehicle, trailer, or fifth-wheel needs the special features that only RV insurance can offer.
RV insurance is like two policies in one, it protects your vehicle like a car, and it also protects your living area like a home.
Without a solid comprehensive RV insurance policy, you may be missing coverage that every RV owner needs.
Even if you have a current auto policy that offers some coverage, your motor vehicle, trailer, or fifth-wheel needs the special features that only RV insurance can offer.
Off-Road Vehicle
Enjoying the fun of owning and ATV means understanding the insurance needs of owning one.
However, because it is not used on the road, no coverage extends from the personal liability section of a homeowners insurance policy to protect your liability.
The coverage available under a personal auto policy is also available to an ATV.
Snowmobiles are generally used off premises for recreational purposes and to protect you personally, liability coverage is a must.
Sometimes coverage may be extended from a homeowners policy or a separate policy may be required.
However, because it is not used on the road, no coverage extends from the personal liability section of a homeowners insurance policy to protect your liability.
The coverage available under a personal auto policy is also available to an ATV.
Snowmobiles are generally used off premises for recreational purposes and to protect you personally, liability coverage is a must.
Sometimes coverage may be extended from a homeowners policy or a separate policy may be required.
Personal Umbrella
Many clients often wonder what happens if a claim is more than the limit of liability on their home or auto policy.
There is good news for them if they've purchased an umbrella policy.
You can protect yourself from large claims by adding an additional layer of coverage at relatively low-cost.
An umbrella policy works with your current home- and auto- insurance carriers.
They cover losses in addition to your home or auto policy and sometimes may broaden coverage.
You can purchase umbrellas in various amounts - from one to five million dollars or more.
There is good news for them if they've purchased an umbrella policy.
You can protect yourself from large claims by adding an additional layer of coverage at relatively low-cost.
An umbrella policy works with your current home- and auto- insurance carriers.
They cover losses in addition to your home or auto policy and sometimes may broaden coverage.
You can purchase umbrellas in various amounts - from one to five million dollars or more.
Business Owners
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses.
This packaged coverage is generally less expensive than when purchasing coverage separately.
With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations.
Or, you need to add business auto coverage or commercial property insurance.
Whether you are a home-based business, small service provider or contractor, Capital Insurance Services will work with you to find the right combination of business insurance coverage to meet your specific needs.
This packaged coverage is generally less expensive than when purchasing coverage separately.
With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations.
Or, you need to add business auto coverage or commercial property insurance.
Whether you are a home-based business, small service provider or contractor, Capital Insurance Services will work with you to find the right combination of business insurance coverage to meet your specific needs.
Cyber Liability
As a business owner who uses technology on a daily basis, you should be aware of the risks you face when it comes to cyber threats and liabilities.
The last thing you want to happen is a cyber risk that causes your company extreme financial loss.
In order to protect yourself, you need cyber liability insurance.
The agents at Capital Insurance Services understand the liabilities associated with having information on the web.
Like many companies, we are on the web, too.
This is why we are so dedicated to helping you find a viable insurance solution that meets your unique needs.
The last thing you want to happen is a cyber risk that causes your company extreme financial loss.
In order to protect yourself, you need cyber liability insurance.
The agents at Capital Insurance Services understand the liabilities associated with having information on the web.
Like many companies, we are on the web, too.
This is why we are so dedicated to helping you find a viable insurance solution that meets your unique needs.
General Liability
As a business owner, you are potentially liable for every product, service, and operation relating to your business.
While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect.
In spite of your best efforts, harm caused to a third party relating to your business could lead to litigation.
Commercial liability insurance is designed to protect business owners and assets from a variety of exposures.
One of our agents will get back to you within 72 hours to help you find the right insurance at the right price.
While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect.
In spite of your best efforts, harm caused to a third party relating to your business could lead to litigation.
Commercial liability insurance is designed to protect business owners and assets from a variety of exposures.
One of our agents will get back to you within 72 hours to help you find the right insurance at the right price.
Directors & Ofï¬cers
Recruiting and retaining talented corporate directors, officers, and trustees is a challenge faced by most companies.
Directors, officers, and trustees should be concerned about their personal liabilities associated with a board's actions or in-actions.
The growth in public bankruptcies, corporate scandals, new legislation, and regulation in Canada and the U.S. has spawned litigation increasing personal risk to directors, officers, and trustees for boardroom responsibilities.
Comprehensive directors, officers, and trustees insurance coverage addresses this exposure and helps retain or attract quality board members.
Directors, officers, and trustees should be concerned about their personal liabilities associated with a board's actions or in-actions.
The growth in public bankruptcies, corporate scandals, new legislation, and regulation in Canada and the U.S. has spawned litigation increasing personal risk to directors, officers, and trustees for boardroom responsibilities.
Comprehensive directors, officers, and trustees insurance coverage addresses this exposure and helps retain or attract quality board members.
Workers’ Compensation
The best way for employers to protect their employees is by providing workers compensation insurance.
With workers compensation, businesses can protect themselves and their employees against issues involving illness or injury incurred at the workplace.
Capital Insurance Services can guide you through the process of determining exactly what kind of workers compensation coverage your business needs.
Without the appropriate workers compensation insurance policy in force, you risk incurring fines or even criminal charges.
With workers compensation, businesses can protect themselves and their employees against issues involving illness or injury incurred at the workplace.
Capital Insurance Services can guide you through the process of determining exactly what kind of workers compensation coverage your business needs.
Without the appropriate workers compensation insurance policy in force, you risk incurring fines or even criminal charges.
