Independent Agency · Charlotte, NC
About CAP Insurance Group
CAP Insurance Group is an independent insurance agency in Charlotte, NC, founded in 2008. We can shop over 20+ carriers to write personal, commercial, life, and high-net-worth insurance coverage across the Charlotte metro and beyond – so you get the right price and the right claims experience, not just a generic quote. Our team of 25 is ready to serve you!
- 1524 E Morehead St, Suite 300, Charlotte, NC 28207
- Serving Charlotte since 2008
By the numbers
Licensed in North Carolina, South Carolina, and over 30 other states.
Independent agency
Why independent matters
Being independent means our priority is you, not one insurance company. We represent 20+ carriers spanning every price point and risk appetite, including specialty high-net-worth carriers like Chubb, PURE, Cincinnati Private Client, AIG Private Client Group, and Travelers’ High Value Home Program.
Our job is matching your risk to the right carrier — not selling you the only option on the shelf.
What we do
Personal, commercial & private client coverage
One independent team for your home, your family, and your business – matched to the right carrier every time.
Personal insurance
Home, auto, renters, umbrella, life, and specialty/high-net-worth coverage.
Explore personal coverageCommercial insurance
General liability, workers’ comp, commercial auto, cyber, property, inland marine builders risk, and industry-specific coverage (contractors, restaurants, commercial real estate, medical and dental practices and more).
Explore business coveragePrivate client
Dedicated coverage for high-net-worth households, valuable collections, and complex liability exposure.
Explore Private ClientOur people
Meet the team
Charlie Sternberg and Andy Sturge lead CAP Insurance Group as Principals, backed by a full team of licensed account executives, account managers, and risk advisors dedicated to fast, responsive service.
Client reviews
What clients say
CAP Insurance Group goes above and beyond! My insurance representative Ben is extremely responsive and has saved us money along with providing us superior benefits and protection! I highly recommend for any family or business owner who’s looking for top-of-the-line coverage at an extremely affordable rate.
Beth at CAP Insurance was fantastic to work with. She moved quickly to get us a competitive homeowners quote and made the entire process seamless from start to finish. Communication was clear, turnaround time was fast, and she made sure everything was executed smoothly so we could stay on track with our new home closing. Highly recommend Beth if you’re looking for responsive, professional service.
I’m so thankful a friend recommended CAP Insurance to me. Beth was able to cut my rate in half and give me more coverage than I had with my previous company.
We made a cross country move and had a number of insurance needs. The CAP Insurance Group came recommended by both our attorney and our mortgage broker, and that was clearly an excellent recommendation. We’re fully satisfied with all of the services we’ve received, though it’s the quick, accurate, and comprehensive communication with the team that I’ve appreciated the most.
I have to name drop Vicki, as she has always been patient with me and if not the right person she would defer me quickly to who I needed. I hit her up many early Monday Mornings in a panic front an email or letter I received regarding this payment or something else that was either process wrong or was actually my fault. Always patient, always responsive and helping someone as ignorant as I am to this industry see my way through it. A plus all around. Thanks so much for all the help you guys have given me.
As the lifelong Tradesman and self-employed, we’re always responsible for our own workers comp and general liability. And as much as it feels like insurance is a racket to most of us, when you have good people working with you to make sure things go smooth it makes a huge difference.
I had to drop a comment just because of the incredible customer service I’ve received over the years through Cap.
Where we serve
Rooted in Charlotte, serving the Southeast and beyond
Charlotte, Myers Park, Dilworth, South End, Ballantyne, and SouthPark, NC, plus Fort Mill, Lake Wylie, Tega Cay, Rock Hill, and Indian Land, SC. We are licensed in over 30 states and write commercial business insurance all over the southeast United States and beyond.
- Charlotte
- Myers Park
- Dilworth
- South End
- Ballantyne
- SouthPark
- Fort Mill
- Lake Wylie
- Tega Cay
- Rock Hill
- Indian Land
The CAP difference
CAP Insurance Group vs. other Charlotte agencies
Charlotte has several independent agencies — Charlotte Insurance, Pegram Insurance, and Curtis Insurance among them. What sets CAP apart is our process. Responsiveness is our #1 core value.
We do the little things that make a big difference – calling our clients back quickly, taking time to review quotes and coverage in person, video proposals, and a dedicated Private Client Group that focuses on high net worth clients. We also have several carriers that our competitors don’t have – like Cincinnati Insurance, which offers a 3-year rate lock commercial policy.
Our agents and support team have a servant’s heart and do all we can to service our client base. CAP Insurance is a boutique agency that gives you the same expertise and resources you’d find at a larger agency, but with the personal attention you don’t find at the big shops.
Get started
Request your proposal
Are you ready to save time, aggravation, and money? The team at CAP Insurance Group is here and ready to make the process as painless as possible. Call (704) 540-4200 or start here for a proposal – we look forward to meeting you!