Hegarty-Caplinger Insurance

an Independent Insurance Agency


417 Main St., PO Box 209; Effingham, Ks.  66023

913-833-4180 Voice 267-295-8020 Fax



112 North 6th, PO Box 407; Atchison, Ks.  66002 

913-367-1111 Voice  267-295-8020 Fax





Contact Info

Steve Caplinger                 cap@caplingers.com

Elizabeth Todd                      liz@caplingers.com

Mary Beth Griffin       MaryB@caplingers.com

Deborah J. Parnell            deb@caplingers.com


Learn more about the community. 

Visit some of the web sites below.









































Our agency began as a bank agency as part of the Farmers and Merchants State Bank in the 1910's.  The owners of the agency were Mr. Hegarty, Sells and Cummings.  Hegarty-Caplinger Insurance,  Inc. began in 1974 when Eugene C. Hegarty put the agency together from the bank agency and the acquisition of another independent agency in the community. 

Steve Caplinger became a part of  the  agency  in 1981.   In  1989  the  Atchison location (Consolidated Insurance Services, Inc.)  was  purchased.   Steve purchased Gene's interest in the agency in 2002.  Gene remained involved in insurance sales and client contact until his death. 

Gene Hegarty believed  that  the  business  is  not  only a way to make a living but also a vehicle to be  a constructive  participant  in the community and serve our neighbors.  Steve is continues to run the agency with that same philosophy to this day.

The staff is very service oriented and is  known  for  their  helpful  nature.   If  you have needs in any  area  of insurance,   feel  free to call any of our staff  and  receive a no obiligation consultation. 

The insurance agency is licensed in Kansas & Missouri selling all types of insurance products, including but not limited to the following types of coverages:

Homeowners, Personal Auto, Umbrella, Farmowners, Dwelling, Farm Fire, Inland Marine, BusinessOwners, Commercial Property, Auto, Liability, Worker's Compensation, Life, Bonds, Crop Hail & Multi-Peril, Specialty Lines.

Below are some of the companies we represent.



Send mail to cap@caplingers.com with questions or comments about this web site.

This Page last modified:  4-20-17