One local team. 20+ carriers. Real people who answer the phone. CAP Insurance Group has served Charlotte families and businesses since 2008 from our office on East Morehead Street in Dilworth.
Quick answer: CAP Insurance Group is an independent insurance agency in Charlotte, NC, founded in 2008. We compare 20+ insurance companies — including Chubb, PURE, Cincinnati and Travelers — for home, auto, umbrella, high-value homes, life and business insurance, and we’re rated 5.0 on Google from 567+ reviews.
An agency that shops the market for you — not for one company
| A captive agent (State Farm, Allstate, Farmers) | CAP Insurance Group |
|---|---|
| Sells one company’s policies | Compares 20+ companies |
| If that company raises your rate, your option is to leave | We re-shop your policy at renewal |
| One underwriting appetite | Standard, preferred and private-client markets |
| Often a call center for service | A named account manager in Charlotte |
Coverage Charlotte families and businesses actually need
- Home & auto — bundled quotes to protect your family
- High-value homes & private client — Chubb, PURE, Cincinnati Private Client, AIG
- Umbrella — $1M to $10M+ personal liability
- Life insurance — term insurance with 10, 20, 30 year terms
- Renters & landlord — including rental homes and college apartments
- Business insurance — general liability, workers’ comp, commercial auto, cyber, property; contractors, restaurants, commercial real estate and medical/dental practices
Buying a home? See what your lender needs
Local, and actually reachable
We serve all of Mecklenburg County and across North and South Carolina including: Myers Park, Dilworth, Eastover, SouthPark, South End, Uptown, Plaza Midwood, Ballantyne, Cotswold, Foxcroft, Matthews, Huntersville, Cornelius, Fort Mill, Tega Cay, Lake Wylie, Rock Hill and Indian Land.
- Since 2008 — 18 years in Charlotte
- 5.0 on Google — 567+ five-star reviews
- 20+ carriers
- 3,980+ clients, 9,002 policies in force
- Licensed in NC, SC and 30+ other states
- BBB A+
Why Charlotte neighbors choose us
- “CAP Insurance Group goes above and beyond!” — Vincent Delisi
- “Beth at CAP Insurance was fantastic to work with.” — Colin Sullivan
- “I’m so thankful a friend recommended CAP Insurance to me.” — Craig James
Frequently asked questions
Is CAP Insurance Group really independent?
Yes. We’re locally owned by principals Charlie Sternberg and Andy Sturge and aren’t tied to any one insurer. We represent 20+ companies and recommend whichever fits your coverage and budget.
What areas do you serve?
All of Charlotte and Mecklenburg County, plus York and Lancaster counties in South Carolina — Fort Mill, Tega Cay, Lake Wylie, Rock Hill and Indian Land. We’re licensed in 30+ other states for clients with second homes or businesses elsewhere.
How is an independent agent different from State Farm or Allstate?
A captive agent can only sell one company’s policies. We compare many, so when one carrier raises rates or stops writing in your area, we move you instead of losing you.
Will I get a real person or a call center?
You get a named account manager in our Charlotte office. Responsiveness is our #1 core value. We return calls the same day and never send you to a call center.
What does it cost to work with CAP?
Nothing extra. Insurance companies pay agency commission; your premium is the same or lower than buying direct.
Do you insure businesses too?
Yes – contractors, restaurants, commercial real estate, medical and dental practices and more, across the Southeast.
Get a free, no-pressure insurance review
Call (704) 540-4200 or request a review online.
1524 E. Morehead St., Suite 300, Charlotte, NC 28207 · (704) 540-4200 · 8:30 AM–5 PM