About Capital
Premium Financing

Capital Premium Financing LLC is a specialty lender that has been providing commercial insurance premium finance loans for more than 30 years. Capital has built its reputation for reliability on unique service options and exclusive profit-sharing programs.

Since its organization in 1988, Capital has experienced strong consistent growth as it has expanding nationwide. The founder and CEO David F. Gabrielsen, continues to manage relationships with agents today. Capital’s management team has more than 150 years of collective experience between commercial banking, investment portfolio management, and financial institution regulation.

Capital Premium Financing LLC is recognized as a leader in service and a trusted partner in the premium finance loan industry.

Our History

Follow the story of Capital Premium and see what makes us different from the very start.

Say Hello To Our Leadership Team

Ethan Heugly

COO

Chris Chidester

Senior Vice President & Controller

 

Shane Kaopua

Senior Vice President & Senior Agency Relations Manager

Steve Hardy

Vice President & Director of National Sales

Scott Crowley

CFO

Lorie Gabrielsen

Founder

David Gabrielsen

CEO & Founder

Matt Libutti

Senior Vice President & Director of National Sales

Todd Hassell

Senior Vice President & National Sales Manager

Mack Harvey

Senior Vice President & Director of National Sales

Sarah Bush

Senior Vice President & Director of Operations

Josef Heugly

President

Our Core Values

Capital Premium and our team members believe in upholding and performing to our set of core values. We do this because we know you care who you do business with and that it matters in the end.

Honesty & Integrity
  • We always strive to do “The Right Thing.”
  • We are truthful and accurate in all of our dealings, both internally and externally.
  • We act ethically and responsibly in all cases, even if it is difficult, unpopular, or expensive to do so.
Teamwork
  • We understand and are deeply committed to the principle that we will succeed only to the extent that we work together as a unified team.
  • We cheerfully cooperate with each other and support one another in every way possible to achieve our goals.
  • We are fiercely loyal to the company and to each member of the team.
Trust & Respect
  • We believe in each other and have confidence in every member of the team.
  • We are keenly aware that trust is a critical asset that can only be built and maintained by our conduct as individuals and as a company.
  • We appreciate and highly value each other as individuals, and we are firmly committed to treat all people (both inside and outside of our company) with dignity and respect.
Communication
  • We communicate with others in open, direct, and constructive ways.
  • We strive to listen with understanding, we encourage and value problem solving feedback, and we exert our best efforts to communicate in such a way that positive energy and goodwill are the result.
  • We communicate only within appropriate settings, at appropriate times, and following appropriate channels.
Accountability
  • We accept responsibility for our own actions, both individually and as a company.
  • We actively support performance measurement and reporting in order to facilitate improvement and progress within the company.
  • We are open and honest about our weaknesses and mistakes, and we highly value the process of recognition and improvement.
Competitiveness
  • We are passionate about what we do, we radiate enthusiasm and confidence in all of our dealings, and we honestly believe that we are the very best in our industry.
  • We are intensely competitive, and we will never be satisfied with being anything less than the clear industry leader.
  • We are absolutely committed to maintaining and strengthening our  competitive position via 1) superior service to our customers, 2) innovation , and 3) higher productivity.
Hard Work & Discipline
  • We understand that there is no substitute for hard work , and that a sustained, high level of individual productivity is critical to our company’s success.
  • We embrace the principle that we are much more productive and can greatly increase our effectiveness to the degree that we are disciplined and systematic in our work methods.
  • We have a bias for action, we look for ways to help without being asked, and we individually take the initiative to find ways to support and improve the company.
Compliance
  • We strictly comply with all laws, regulations, and contractual obligations that pertain to our company.
  • We strictly comply with all company rules, policies, and procedures in order to ensure orderly, safe, and successful operations.
  • We actively support designated leaders within our organization, follow their directives, and encourage others to do the same.
Fairness & Kindness
  • We strive to be fair and equitable in all of our dealings, regardless of what our legal rights may be.
  • We are kind and considerate to all individuals, and actively seek to understand the perspectives and needs of others.
  • We are a warm, personable, and charitable company – we consider these qualities to be core strengths of our organization.
Excellence & Professionalism
  • We are not content with mediocrity – we strive for excellence in all that we do, and we clearly understand that the quality of our organization is often judged by the quality of a single team member’s work product.
  • We are committed to being professional, polished, and organized in the way that we conduct our business.
  • We are a learning organization that is committed to maintaining excellence through the process of constant improvement.