Strength. Knowledge. Direction.

Kapnick Insurance 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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Personal

Insurance tailored to fit your life.

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Business Mix

A premier insurance broker

with Midwest roots and a global reach.

Founded in 1946, Kapnick Insurance is an independent professional insurance advisory firm. 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.

We’re Building Relationships

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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!

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Our Clients Say

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

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

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

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“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.”

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“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.”

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

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

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“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.”

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

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“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.”

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“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.”

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“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
Building a Nonprofit Benefits Strategy That Adapts to Funding Changes Employee Benefits

Building a Nonprofit Benefits Strategy That Adapts to Funding Changes

Few organizations face as much financial uncertainty as nonprofits. A major grant may end. Donations may dip during an economic slowdown. A new contract may require rapid hiring. Through it all, benefits remain a fixed and growing commitment. A flexible nonprofit benefits strategy helps leaders prepare for these shifts rather than react to them. It protects continuity for staff while giving the organization room to adjust. Most importantly, it supports long-term sustainability. Why Rigid Benefits Plans Create Risk Many nonprofits build benefits plans around current conditions. That works until funding changes. When revenue drops, a rigid plan can force hard…
November 2, 2026
Evaluating Benefits ROI: Is Your Benefits Investment Paying Off? Employee Benefits

Evaluating Benefits ROI: Is Your Benefits Investment Paying Off?

For most nonprofits, benefits are one of the largest expenses after salaries. Yet few leaders have a clear way to measure what that spending returns. Boards ask tough questions. Funders expect responsible stewardship. And every dollar spent on benefits is a dollar not spent elsewhere. Evaluating benefits ROI gives leaders a practical framework for answering those questions. It shifts the conversation from "How much are we spending?" to "What are we getting for it?" That shift helps ensure limited dollars go where they create the most value. What Benefits ROI Really Means Return on a benefits investment is not only…
November 2, 2026
Protecting Mission Delivery Through Nonprofit Staff Retention Employee Benefits

Protecting Mission Delivery Through Nonprofit Staff Retention

A nonprofit's mission lives in its people. Case managers, counselors, educators, and program staff build the relationships that make services work. When one of them leaves, the impact reaches far beyond an open position. Clients lose continuity, remaining staff take on extra work, and hard-won community trust can weaken. That is why nonprofit staff retention is more than an HR goal. It is a direct investment in mission delivery. Benefits play a larger role in that investment than many leaders realize. The Real Cost of Turnover Turnover is expensive for any employer. For nonprofits, however, the costs are often harder…
November 2, 2026