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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.
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Business

Comprehensive coverage for your commercial risk.

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Employee Benefits

Attract, retain and protect your team.

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Insurance tailored to fit your life.

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A premier insurance broker

with Midwest roots and a global reach.

Founded in 1946, Kapnick Insurance is an independent professional advisory. Our 220+ 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 80 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.

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Industry Focus

Custom solutions for unique exposures.

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Kapnick Connect

Tools to manage your insurance.

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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
Manifest and Kapnick Insurance Announce First-of-Its-Kind Partnership for Employer Healthcare Solutions Employee BenefitsKapnick News

Manifest and Kapnick Insurance Announce First-of-Its-Kind Partnership for Employer Healthcare Solutions

MANIFEST AND KAPNICK INSURANCE PARTNER TO IMPROVE HEALTHCARE OPTIONS FOR MICHIGAN EMPLOYERS First-of-its-kind partnership will bring Manifest Provider Collective to progressive West Michigan employers leveraging Kapnick for benefit consulting services. Grand Rapids, Michigan – January 28, 2026 Manifest, a healthcare solutions design studio, today announced a new partnership with Kapnick Insurance, Michigan’s largest independent, family-owned benefits agency. Together, the organizations will make the Manifest Provider Collective available to employers that work with Kapnick for employee benefits and health plan consulting.
February 4, 2026
What the Newest Set of ERISA Lawsuits Could Mean for Your Organization Employee BenefitsLegislative Updates

What the Newest Set of ERISA Lawsuits Could Mean for Your Organization

On December 23, 2025, Schlichter Bogard LLC filed its first healthcare ERISA cases against United Airlines, Labcorp, CHS, and Universal Services over voluntary benefits. This is the same firm with three unanimous Supreme Court victories, over $750 million in settlements, and an estimated $2.8 billion annual reduction in 401(k) fees. Each case generally alleges that the employers and their benefits brokers breached their ERISA fiduciary duties and caused the participants to pay excessive premiums due to failures in: engaging in a prudent process when selecting insurance offerings; monitoring the commissions received by the benefits brokers; and monitoring the loss ratios on…
February 4, 2026