Skip to main content

Strength. Knowledge. Direction.

Kapnick Insurance, a fourth-generation advisory firm, is one of the Midwest’s largest independently owned insurance brokerages. Representing top-rated national and regional carriers, we provide tailored solutions in business and personal insurance, employee benefits, risk management, and worksite well-being.
Learn More

Icon Personal

Business

Comprehensive coverage for your commercial risk.

Learn More

Icon Employee Benefits

Employee Benefits

Attract, retain and protect your team.

Learn More

Icon Business

Personal

Insurance tailored to fit your life.

Learn More
Business Mix

A premier insurance broker

with Midwest roots and a global reach.

Founded in 1946, Kapnick Insurance is an independent professional advisory. Our 200+ colleagues provide expert guidance and creative problem solving pertaining to business insurance, risk solutions, employee benefits, worksite well-being, and personal insurance to a vast and diverse base of clients worldwide.

For over 75 years, companies and individuals have looked to Kapnick as a trusted advisor, providing solutions that protect their operations and employees.

We innovate. We partner. We lead clients in new directions that minimize risk and reduce cost.

We’re Building Relationships

Read About Us
Get A Quote

Buildings-Icon

Industry Focus

Custom solutions for unique exposures.

Learn More

Logo-Kapnick-Connect

Kapnick Connect

Tools to manage your insurance.

Learn More

Careers-Icon

Careers

Looking for a great place to work? You found it!

Learn More

Our Clients Say

“

“Kapnick is responsive, independent, and big enough to fill our needs while giving us the personal attention we desire.”

“

“Kapnick does a remarkable job of researching, negotiating & implementing the best possible benefit plan an organization our size could acquire.”

“

“We may not be one of the biggest clients at Kapnick, but we get treated like one whenever we call.”

“

“Property and liability insurance are major factors in our business operations. For 30 years we have shared a true partnership with Kapnick. From analyzing and placing insurance coverage to solving claims problems, I never cease to be amazed at the extraordinary service we receive from Kapnick.”

“

“Since the firm’s founding, Kapnick’s been responsive to our changing needs. We rely on them for their service and advice and appreciate their consultative approach to insurance and risk management.”

“

“Kapnick Insurance and its Assurex Partners have played a key role in securing our growth and assets, both domestically and internationally.”

“

“Kapnick has always provided us with solutions that were exceptional. We consider Kapnick to be a trusted advisor and strategic partner.”

“

“Kapnick helped us find a healthcare solution that cut costs and maintained a consistent benefit level. With the savings we were able to reduce employee contributions, partially fund deductibles and start paying step increases.”

“

“We couldn’t be happier with the personal level of service they have provided for us, and look forward to our lasting relationship.”

“

“The Kapnick team views risk management problems much like we view our own business challenges: Not as obstacles or potential excuses but as opportunities for solutions and growth.”

“

“We count on Kapnick's insurance professionals to keep us protected. We are very aware of costs, but confident that Kapnick works hard to keep our premiums competitive with the market.”

“

“It's hard to find an insurance partner that understands our complex needs. Kapnick learns the divergent pieces of our business and then takes their knowledge to the market to find us the right carriers and risk mitigation solutions.”

Explore Our Resource Library
Alternative Funding Options: 4 Moves HR and Finance Can Make Now Employee Benefits

Alternative Funding Options: 4 Moves HR and Finance Can Make Now

Healthcare costs continue their relentless upward march, placing immense pressure on company budgets. For HR and finance leaders at mid-market organizations, the traditional, fully insured model often feels like a trap—offering little control, transparency, or relief from annual premium hikes. The constant cycle of renewal negotiations can leave you feeling powerless, forced to choose between absorbing unsustainable costs or shifting a heavier burden onto your employees. It's time to move beyond this reactive posture. A proactive, strategic approach to benefits funding can unlock significant savings, improve cash flow, and give you greater control over your second or third-largest line item.…
November 3, 2025
Cost Control and Compliance: 4 Moves HR and Finance Can Make Now Employee Benefits

Cost Control and Compliance: 4 Moves HR and Finance Can Make Now

Benefits costs are rising while regulations get tighter. HR and Finance leaders are asked to manage both without sacrificing employee experience. The risk isn’t just overspending—it’s fines, audits, and eroded trust if compliance slips. The good news: a handful of practical moves can improve cost control and keep your program audit-ready. Here are four to prioritize now: Build a clean plan-data foundation Fragmented plan documents, scattered vendor agreements, and outdated fee schedules make both budgeting and compliance difficult. Start with an inventory of every plan and program—medical, pharmacy, dental, vision, HSA/FSA/HRA, life, disability, and wellness—then centralize: Current plan documents (SPD,…
November 3, 2025
Smart Design: Beyond the High-Deductible Health Plan Employee Benefits

Smart Design: Beyond the High-Deductible Health Plan

For many Indianapolis employers, the annual benefits renewal cycle presents a difficult choice. To control rising healthcare costs, an increasing number have turned to High-Deductible Health Plans (HDHPs) as their primary—or only—offering. The logic is simple: lower premiums for the company and, seemingly, for employees. But this affordability can be a mirage. When not designed thoughtfully, an HDHP-only strategy can inadvertently shift financial burdens onto your employees, leading to delayed care and significant medical debt. The solution isn't to abandon HDHPs, but to design smarter benefits lineups. By using strategic plan design levers, you can preserve affordability while protecting your…
October 30, 2025