About The
General Agency

The General Agency started in 1954 with a focus on helping professionals obtain affordable insurance. Our agency began by offering personal disability insurance to Charleston attorneys, which would later expand to attorneys across the state of South Carolina.

Our Line of Insurance Plans

Over time, our product line expanded to include, life insurance, business overhead disability, health insurance, professional liability and business owners' property protection. Today, The General Agency serves a variety of professionals, including dentists, certified public accountants, physicians and optometrists.

Learn More About
The General Agency

John D. Cappelmann, Jr., our chairman and founder, set the direction and growth of the The General Agency by providing personalized insurance advice to professionals. Today, John "Chip" D. Cappelmann, III is the second generation to lead as president of our company. He works alongside Bill Cappelmann, vice president, Donna Cappelmann, secretary/treasurer, and a staff of nine other members.

Contact The General Agency Today

At The General Agency, we maintain a long-term commitment to delivering insurance products and offering our reliable services to professionals in South Carolina. We welcome the opportunity to discuss how The General Agency can help to protect your assets and meet your specific needs.

Who We Serve

Since 1954, The General Agency has had the privilege of assisting a variety of professionals and state employees by finding affordable insurance plans for all aspects of their practice. Whether you need one policy to protect yourself or a complete package to cover your entire business, The General Agency can help.

Dedicated to Finding the Right Insurance Policy

We work closely with CPAs, attorneys, dentists, optometrists, South Carolina state employees, oral surgeons and physicians throughout the state. The General Agency is committed to delivering the high-quality service that protects your assets and exceeds your expectations. For assistance finding coverage, contact our independent insurance agents at The General Agency for a quote.

Insurance Plans Offered
for Professionals

Professional Liability Insurance (Malpractice)

Protects you in the event of liability suits resulting from professional services or acts and omissions from you or your employees for whom you are legally responsible.

Business Owner's Policy

This business personal property insurance covers losses resulting from theft, fire, lightning, etc.

Business Overhead Expense Insurance

Designed to pay the actual overhead expenses incurred to keep your office running should you become disabled due to an injury or sickness.

Personal Umbrella Liability Coverage

Adds an extra level of personal insurance protection, in addition to auto, business or home insurance policies.

Hospital Indemnity Insurance

Used when basic medical insurance does not pay for all hospitalization expenses. Deductibles may run from $250 to $5000, or there may be a daily co-payment provision of $25, $50 or more.

Long-Term Care

Provides a monthly benefit when an individual requires skilled, intermediate or custodial care in a nursing facility or care at home.

Workers' Compensation

Designed to provide employees with medical expenses and loss of wages resulting from a work-related injury, in addition to providing employers' liability for any legal obligation the employer may be responsible for relating to an employee injury.

Flood Insurance

Provides insurance coverage for your business and its contents in the event of a flood.

Long-Term Disability Income Insurance

Provides insurance against income loss due to a disability.

Short-Term Health Insurance

Ideal for individuals between jobs, college students or those who are awaiting coverage from an employer.

Term Life

Pays a benefit to beneficiaries in the event of your death while the insurance is in force.