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Strength. Knowledge. Direction.

Kapnick Insurance is a fourth generation professional advisory firm that has grown to be one of the largest independently owned insurance brokerages in the Midwest. We represent top rated national and regional insurance carriers. As a top performer in the insurance industry, we have access to markets, products and programs giving us the flexibility to match each client with the best carrier – whether it’s providing business insurance, personal insurance, employee benefits, risk management or financial strategies.
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Strength. Knowledge. Direction.

Kapnick Insurance’s many solutions of controlling risk are streamlined by our one firm mentality. Each department, team member, and industry specialist works together to ensure that all of the risks identified by our RisKap System are mitigated. Our RisKap System is designed to identify risk, create a plan, to manage those risks, and monitor the results – giving you the strength, knowledge, and direction to handle anything that may come your way.
Learn More

Strength. Knowledge. Direction.

Kapnick Insurance’s many solutions of controlling risk are streamlined by our one firm mentality. Each department, team member, and industry specialist works together to ensure that all of the risks identified by our RisKap System are mitigated. Our RisKap System is designed to identify risk, create a plan, to manage those risks, and monitor the results – giving you the strength, knowledge, and direction to handle anything that may come your way.
Learn More

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Business

Comprehensive coverage for your corporate risk.

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Employee Benefits

Attract, retain and protect your team.

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Personal

Insurance tailored to fit your life.

Business Mix

A premier insurance broker

based in Michigan, serving all 50 states and internationally.

Our ability to help you navigate complex insurance issues starts with our proven business principles. From workplace safety to attracting top talent, improving the bottom line to navigating a sea of regulations—operating a business has become increasingly complex. So who can you trust to understand your unique business insurance requirements and provide sound direction?

Founded in 1946, Kapnick Insurance is an independent professional advisory firm with Michigan roots and a global reach. Our 180+ 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.

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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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Careers

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

Our Clients Say

We appreciate the attention we get from Kapnick. They’re very responsive, independent, and big enough to fill our needs while giving us the personal attention we desire. We have diverse goods and services across the agriculture sector, and 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.

In my 20+ year tenure, Kapnick has done a remarkable job of researching, negotiating & implementing the best possible benefit plan an organization our size could acquire. My Kapnick team has quickly, accurately, and graciously answered all. I cannot imagine doing my job without Kapnick’s support.

My team at Kapnick always comes through for us and provides us with workable solutions. For a small family business like ours, that makes us feel important. We may not be one of the biggest clients at Kapnick, but we get treated like one whenever we call.

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. With a company the size of ours, you know that property and liability insurance are major factors in our business operations. I derive great comfort from having Kapnick as part of our team.

Erica met with me, and then with the HR Committee of the board to review the Diversity & Inclusion assessment scorecard and recommendations. We could not have been more impressed with the presentation and discussion she led us through. The information was meaningful and concise and gave us very concrete ideas for next steps in our diversity & inclusion programming - not only as an employer but with our board and our visibility in the county. We welcome the opportunity to work with her again, and to share our experience with our stakeholders in Washtenaw County.

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. We count on Kapnick to support this innovation, both domestically and internationally. Their unique and creative solutions for our business ultimately allow us to be more competitive in our markets. They’ve delivered on that.

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

Kapnick Insurance Group 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. Being in the highly competitive parts manufacturing niche of course makes us very aware of costs, and we are confident that Kapnick works hard to keep our premiums competitive with the market.

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Kapnick News

Spotlight on Ethan Schutter – Emerging Professional and Kapnick Apprentice

Starting a new career can be both exciting and intimidating, especially when entering a new and typically unfamiliar industry such as insurance. For Ethan Schutter, one of Kapnick Insurance’s talented apprentices, joining Kapnick has been an experience filled with learning, collaboration, and opportunities to make an impact from his first day. Here’s a closer look at Ethan’s experience with Kapnick and how it’s shaping his professional future:   A Supportive, Family-Oriented Culture Kapnick provides a work environment where team members are encouraged to grow both personally and professionally. For Ethan, this culture was evident right from the beginning. “Starting out…
May 13, 2025
Business Insurance

Navigating Rising Insurance Costs in the Crane & Rigging Industry: Alternative Risk Programs

The construction industry is no stranger to challenges. Amid fluctuating material costs, labor shortages, and regulatory changes, a significant pain point for construction business owners, specifically crane and rigging operations, has been the rising cost of insurance. But what if your insurance program could be more than just a line item in your budget? At Kapnick Insurance Group, we believe your insurance should be a strategic tool to help manage risk, ensure compliance, and achieve financial stability.  Here's how Kapnick's expertise and tailored solutions can empower crane and rigging business owners to stay ahead, even in a complex and increasingly…
May 13, 2025
Business Insurance

Kapnick’s Construction Expertise: Crane & Rigging Programs That Elevate Your Business 

When it comes to navigating the complexities of the construction industry, having expertise you can rely on is not just beneficial—it's essential. Kapnick Insurance, a trusted name in business risk management solutions, offers specialized services tailored for the construction sector. A standout within their offerings is the Crane & Rigging Programs, designed to meet the unique challenges faced by construction managers and business owners in this demanding field.   Whether you’re managing large-scale building projects or overseeing complex rigging operations, Kapnick provides a comprehensive approach to safeguarding your business and optimizing your operations.   Why Kapnick? Expertise That Truly Stands Out   Kapnick’s…
May 13, 2025