Capital Insurance Group
Capital Insurance Group is a privately held regional property and casualty insurer founded in 1898, distributing Personal, Commercial, and Agriculture Lines exclusively through independent agents across five Western U.S. states.
- Company typePrivate
- Founded1898
- HeadquartersMonterey, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Capital Insurance Group does
Capital Insurance Group (CIG) is a privately held regional property and casualty insurer founded in 1898 and headquartered in Monterey, California. Operating exclusively through a network of independent agency partners, CIG writes Personal Lines (homeowners, renters, personal auto, dwelling fire, roadside), Commercial Lines (businessowners, commercial auto, hotels and restaurants, commercial umbrella, commercial real estate), and Agriculture Lines (farm owners, commercial agribusiness, farm auto) for individuals, small and mid-sized businesses, and agricultural operations across Arizona, California, Nevada, Oregon, and Washington. Underwriting is conducted through four wholly-owned affiliate carriers — California Capital Insurance Company, Eagle West Insurance Company, Monterey Insurance Company, and Nevada Capital Insurance Company — each with its own state certificate or NAIC number.
The company's revenue model is recurring premium-based across three operating segments: Personal Lines generated $231.5M in 2025 Direct Written Premium (DWP) with 94% retention; Commercial Lines generated $426.5M with 87.8% retention; and Agriculture Lines generated $69.8M with 89.2% retention, for an all-time-high total DWP of $749M. Policy pricing is quote-based and determined through underwriting review of individual risk factors. CIG's technology stack centers on an insurance policy administration and claims processing platform with web-based customer and agent portals (webapp.ciginsurance.com and cigagencyportal.ciginsurance.com), a CIG Mobile app, and proprietary product features including CIG ThinkTwice (200% extended replacement cost), AutoCard 100 (100-mile towing), Home Cyber Protection, and Cyber Liability Coverage for businessowners.
CIG is a member of the Auto-Owners Insurance Group, which provides financial backing, capital strength (Policyholders' Surplus of $515.6M), and technology modernization support. The company maintains an AM Best Financial Strength Rating of A (Excellent) with stable outlook, achieved a 96% combined ratio in 2025, and was recognized in 2025 with three Stevie Awards including Gold for Company of the Year – Insurance – Large. Recent strategic emphasis is on wildfire-affected Western U.S. geographies (notably the Paradise, CA FAIR Plan transition), enhanced cyber coverage, and proprietary wildfire risk assessment leveraging the IBHS Wildfire Prepared Home designation.
Capital Insurance Group firmographics
Firmographics- Name
- Capital Insurance Group
- Legal name
- Capital Insurance Group
- Website
- https://ciginsurance.com
- Company type
- Private
- Founded year
- 1898
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Capital Insurance Group is a privately held regional property and casualty insurer founded in 1898, distributing Personal, Commercial, and Agriculture Lines exclusively through independent agents across five Western U.S. states.
- Ownership category
- akta.pro rank
Capital Insurance Group industry classification
Industry- Product category
- Regional Property and Casualty Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Commercial Property Insurance (FSAJACAE)
- akta.pro secondary industries
- Homeowners Insurance (FSAJACAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Public Liability (Premises/Operations) (FSAJADAD), Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAMAD)
Keywords
Where Capital Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Monterey
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Capital Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premiums - Personal Lines: Personal Lines insurance including Homeowners, Renters, Personal Auto, and Dwelling Fire policies. Revenue generated from policy premiums with 94% policy retention rate. Personal Lines direct written premium reached $231.5 million in 2025 with 17.1% increase.
- Insurance Premiums - Commercial Lines: Commercial insurance including Businessowners, Commercial Auto, Hotels & Restaurants, Commercial Umbrella, and Commercial Real Estate. Revenue from policy premiums with 87.8% retention. Commercial Lines direct written premium reached $426.5 million in 2025 with 13.4% increase and over $60 million in new business acquired.
- Insurance Premiums - Agriculture Lines: Agricultural insurance including Farm Owners, Commercial Agriculture, and Farm Auto coverage. Revenue from policy premiums with 89.2% retention. Agriculture Lines direct written premium reached $69.8 million in 2025 with 10% increase.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Cyber Liability Coverage for Business Owner Policies |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels9 records
Capital Insurance Group product offering
Product offeringCore offering
Capital Insurance Group is a regional property and casualty insurer that underwrites and services Personal Lines (homeowners, renters, personal auto, dwelling fire), Commercial Lines (businessowners policies, commercial auto, commercial umbrella, hotels & restaurants, cyber liability), and Agriculture (farm & ranch, commercial agribusiness, farm auto) coverage. Products are distributed exclusively through a network of independent insurance agents across five Western U.S. states (Arizona, California, Nevada, Oregon, Washington) and supported by digital self-service tools including customer and agent portals plus a mobile app.
Product overview
Capital Insurance Group (CIG) offers a comprehensive property and casualty insurance portfolio organized across three main business segments: Personal Lines (homeowners, renters, personal auto, dwelling fire, and roadside service), Commercial Lines (businessowners policies, commercial auto, commercial umbrella, and hospitality coverage), and Agriculture (farm & ranch, commercial agribusiness, and farm auto). Products are distributed exclusively through independent agency partners across five Western states. The company provides core insurance products along with specialized add-on coverages including Home Cyber Protection, Cyber Liability Coverage, and identity theft protection. CIG also operates digital platforms including customer and agent portals plus a mobile app for policy management and claims service.
Differentiator
Problem solved
Functional benefit
Brands
- CIG Mobile: Mobile application for policyholders to access services and manage their insurance accounts
Products and services
- Homeowners Insurance (CIG Home) Insurance product protecting dwellings, personal property, and personal liability for individual homeowners, with customizable coverage options including extended protection for valuable items.
- Renters Insurance Insurance coverage for renters protecting personal belongings and liability, with options for high-value items, home office, and sports equipment, often bundled with Personal Auto for discounts.
- Personal Auto Insurance Vehicle insurance coverage for personal automobiles, typically bundled with Rent+Auto policy for discounts across CIG's five-state Western territory.
- Cyber Liability Coverage Cyber insurance for businessowner policies covering information security liability, data recovery costs, privacy breach response services, regulatory defense, and cyber extortion, with dedicated breach response services, legal services, computer forensics, and identity monitoring.
- Home Cyber Protection Suite of coverages responding to computer attacks, cyber extortion, online fraud, identity theft, cyberbullying, and personal information breaches for homeowners and renters, supported by a dedicated cyber security team.
- Commercial Umbrella Insurance Excess liability coverage for businesses providing additional protection beyond standard general liability policies for catastrophic claims.
- Hotels & Restaurants Insurance Specialized coverage for hospitality businesses including hotels and restaurants with property protection, business income coverage, and liability protection.
- Commercial Auto Insurance Vehicle insurance for business-owned automobiles, trucks, and fleets covering liability and physical damage.
- Businessowners Policy (BOP) Combined coverage package for small to medium businesses including property, liability, and business income protection.
- Farm & Ranch Insurance Insurance coverage for agricultural operations protecting farm property, equipment, livestock, and related liabilities.
- Commercial Agribusiness Insurance Coverage for large-scale agricultural businesses including crop insurance, equipment protection, and commercial farming operations.
- Farm Auto Insurance Vehicle insurance for farm-owned automobiles and trucks used in agricultural operations.
- Customer Portal (Webapp) Online self-service portal at webapp.ciginsurance.com allowing policyholders to manage policies, view billing, make payments, and track claims.
- Agent Portal (Agency Portal) Secure online platform at cigagencyportal.ciginsurance.com that lets independent insurance agents quote, submit, and service CIG policies on behalf of their clients.
- CIG Mobile App Mobile application for policyholders to access and manage their insurance accounts, view policies, and access claims services.
Quantifiable outcome
- 96% average claims satisfaction rating
- +4 more outcomes
Companies that use Capital Insurance Group
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Capital Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Capital Insurance Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Rebuild Paradise FoundationcoreCIG partnered with the Rebuild Paradise Foundation to expand homeowners insurance coverage options for residents of Paradise, California affected by the 2018 Camp Fire. The partnership reflects a shared vision of recovery rooted in proactive risk mitigation and community empowerment. CIG is committed to writing more policies to help residents move beyond the California FAIR Plan to standard insurance market, supporting long-term community resilience and rebuilding efforts.
- Insurance Institute for Business & Home Safety (IBHS)coreIBHS provides science-based standards for wildfire prepared homes that CIG uses to assess and insure properties in fire-prone communities like Paradise, CA. CIG's decision to write properties is largely based on IBHS resources. Homes meeting IBHS Wildfire Prepared Home designation are eligible for coverage under CIG's program, supporting the company's broader strategy to reduce risk and protect lives and property through wildfire resilience.
- Auto-Owners Insurance GroupcoreAuto-Owners Insurance Group is the parent organization of Capital Insurance Group. CIG is a proud member of the Auto-Owners group of companies, one of the nation's largest and most trusted insurers. The partnership provides CIG with strong financial backing, technology modernization support, and ongoing collaboration between executive and technology teams. Auto-Owners affiliation provides stability and resources supporting CIG's sustainable growth.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Capital Insurance Group competitors and assessment
Company assessmentDirect peers
- ICW Group Insurance Companies: San Diego-based regional property and casualty insurer specializing in commercial lines for small to mid-sized businesses. Comparable in California focus, independent agent distribution model, and commercial package / BOP offerings similar to CIG's commercial book.
- Wawanesa Insurance: Western U.S. and Canadian mutual insurer with multi-line P&C products distributed through independent agents. Closely comparable business model - mutual structure, agent-led distribution, geographic concentration in Western states, and similar personal/commercial line mix.
- Pacific Specialty Insurance Company: California-based specialty P&C insurer offering property, commercial, and specialty lines through independent agents. Comparable in California concentration, agent distribution model, and focus on underserved niche segments such as habitational and specialty commercial.
- Mercury Insurance Group: California-based multi-line property and casualty insurer with a similar Personal Lines / Commercial Lines mix and independent agent distribution. Direct competitor in the Western U.S. personal auto and homeowners markets, overlapping geographic footprint and target customer segments.
Broad incumbents
- Auto-Owners Insurance Group: Parent organization of CIG and one of the largest mutual insurance groups in the U.S., offering personal, commercial, and life insurance through independent agents. Provides financial backing and operational support to CIG; comparable in product mix, distribution model, and agency engagement philosophy.
- Markel Group Inc. Diversified specialty P&C insurer and reinsurer with niche commercial offerings distributed through independent agents and brokers. Compares to CIG's specialty commercial lines (hospitality, agriculture) and excess liability products, though at significantly larger scale and broader scope.
- Hanover Insurance Group: Regional P&C insurer with a multi-line personal and commercial book distributed primarily through independent agents. Similar business model - regional focus, agent-led distribution, specialty commercial niches - but geographically focused in the Eastern and Midwest U.S. rather than the West.
- Employers Holdings, Inc. Specialty P&C insurer focused on workers' compensation for small businesses, with strong Western U.S. presence and independent agent distribution. Comparable in scale, regional concentration, and exclusive reliance on the independent agency channel.
- Cincinnati Financial Corporation: Midwest-based regional P&C insurer with a similar independent agent distribution model and multi-line personal/commercial book. Operates at a larger scale but mirrors CIG's regional carrier strategy and high-agency-engagement distribution approach.
- Berkshire Hathaway Homestate Insurance Company: Workers' compensation and commercial P&C carrier within Berkshire Hathaway's insurance group, with strong Western U.S. presence and independent agent distribution. Compares to CIG's commercial book and specialty lines, though narrower in product set and focused on lower-hazard commercial classes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Capital Insurance Group social profiles
Digital presenceCapital Insurance Group compliance and trust
Trust signalCompliance1 record
Capital Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Insurance Group leadership team
Management profileNumber of profiles
Profiles13 records
Capital Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries4 records
Capital Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Insurance Group
What does Capital Insurance Group do?
Capital Insurance Group is a regional property and casualty insurer that underwrites and services Personal Lines (homeowners, renters, personal auto, dwelling fire), Commercial Lines (businessowners policies, commercial auto, commercial umbrella, hotels & restaurants, cyber liability), and Agriculture (farm & ranch, commercial agribusiness, farm auto) coverage. Products are distributed exclusively through a network of independent insurance agents across five Western U.S. states (Arizona, California, Nevada, Oregon, Washington) and supported by digital self-service tools including customer and agent portals plus a mobile app.
Is Capital Insurance Group a public or private company?
Capital Insurance Group is a private company. It is classified as corporate owned and is currently operating.
When was Capital Insurance Group founded?
Capital Insurance Group was founded in 1898. It employs 251 to 500 people.
Where is Capital Insurance Group based?
Capital Insurance Group is headquartered in Monterey, United States, in the North America region.
How does Capital Insurance Group make money?
Three revenue lines are on record. Insurance Premiums - Personal Lines are the primary driver. The others are insurance Premiums - Commercial Lines and insurance Premiums - Agriculture Lines.
Who are Capital Insurance Group's main competitors?
Direct peers on record are ICW Group Insurance Companies, Wawanesa Insurance, Pacific Specialty Insurance Company and Mercury Insurance Group. Broad incumbents are Auto-Owners Insurance Group, Markel Group Inc., Hanover Insurance Group, Employers Holdings, Inc., Cincinnati Financial Corporation and Berkshire Hathaway Homestate Insurance Company.
Does Capital Insurance Group have an API?
No public API is recorded for Capital Insurance Group.
What industry is Capital Insurance Group in?
Capital Insurance Group's product category is Regional Property and Casualty Insurance. Its primary akta.pro industry code is FSAJACAE, Commercial Property Insurance, with a secondary code of FSAJACAA, Homeowners Insurance. Its NAICS code is 52412 and its SIC code is 6331.