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Capital Insurance & Associates
  • Business
  • Home
  • Auto
This badge signifies we are a Trusted Choice agency. As a Trusted Choice agency, we understand your needs as a member of your local community. We use our broad market access to provide you with choices and are committed to offering you expertise, guidance, and tailored service for years to come.

Capital Insurance & Associates

Independent Insurance Agent in Cape Girardeau, MO

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Cape Girardeau, MO

About us


As a member of the community for over 20 years with well over a CENTURY of collective experience, our goal is to deliver affordable risk-management solutions tailored to your needs. We take pride in our commitment to customer service first, above all else. As a truly independent agency our access to a wide variety of carriers allows us to meet nearly every insurance need and budget. We've served hundreds of individuals, families and businesses throughout Southeast Missouri and beyond with a dedication to providing the best customer service experience possible. We're here to help, and we'd love to help you!

Auto Insurance, Collision insurance, Liability insurance, Property damage liability, Bodily injury liability, Medical payments (MedPay) insurance, Uninsured/underinsured motorist insurance, Comprehensive insurance, Homeowners Insurance, Business Insurance, General liability insurance, Property insurance, Business interruption insurance, Commercial auto insurance, Professional liability insurance, Workers' compensation insurance, Umbrella Insurance, Commercial umbrella insurance, Personal umbrella insurance, Health Insurance, Individual and family plans, Group plans., Vision and dental insurance, Prescription insurance, Health savings accounts (HSAs), Disability insurance, Supplemental Insurance, Long-term care (LTC) insurance, Travel insurance, Medical expense insurance, Workers' Compensation Insurance, Medical benefits, Wage-loss benefits, Vocational rehabilitation benefits, Death/dependent benefits

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Capital Insurance & Associates

States we serve

  • Missouri

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Accident & Health
  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Hiscox Ins Co Inc., RPS, The Hartford, Vindati

Capital Insurance & Associates Team

Chris Gross - Partner
Chris Gross
(573) 335-2300
John Wondel - Producer
John Wondel
(573) 335-2300
Mary Kistner - Producer
Mary Kistner
(573) 335-2300
Deborah Gross - Producer
Deborah Gross
(573) 335-2300
Kenneth Martin - Commercial Lines Manager
Kenneth Martin
Commercial Lines Manager

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