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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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 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.

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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

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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
Wisconsin Malpractice Requirements: What Behavioral Health Leaders Should Know Business Insurance

Wisconsin Malpractice Requirements: What Behavioral Health Leaders Should Know

Behavioral health organizations in Wisconsin face a coverage question that many other states do not. Chapter 655 and the Injured Patients and Families Compensation Fund set specific rules for certain health care providers. As clinics add psychiatry, nursing and medical services, those rules can start to apply. Understanding Wisconsin malpractice requirements helps leaders avoid compliance gaps and uncovered claims. How Chapter 655 Works Wisconsin's system pairs primary malpractice insurance with a state fund. Providers subject to Chapter 655 must carry at least $1 million per occurrence and $3 million in annual aggregate coverage. Their primary coverage must be certified to…
October 9, 2026
Care Coordination Liability: Managing Risk When Partners Share the Work Business Insurance

Care Coordination Liability: Managing Risk When Partners Share the Work

No behavioral health organization can do everything alone. Community clinics rely on hospitals, primary care providers, schools and specialty partners to deliver complete care. That collaboration is a strength. However, it also blurs the lines of responsibility. When something goes wrong between two organizations, care coordination liability determines who answers for it. Often, the answer surprises leaders. Shared Care Means Shared Exposure The CCBHC model depends on coordination. Clinics may deliver some required services through Designated Collaborating Organizations, known as DCOs. Even so, the CCBHC generally remains responsible for the care its patients receive. In other words, outsourcing a service…
October 9, 2026
Crisis Services Liability: Protecting Your Team When Every Minute Counts Business Insurance

Crisis Services Liability: Protecting Your Team When Every Minute Counts

Crisis work is some of the most important care a behavioral health organization provides. It is also some of the riskiest. Clinicians make fast decisions with limited information, often outside the clinic. When outcomes are tragic, families look for answers, and sometimes they look to the courts. For that reason, crisis services liability belongs at the center of any behavioral health risk conversation. Why Crisis Care Carries Unique Risk Crisis programs serve people at their most vulnerable moments. Many patients present with suicidal thoughts, psychosis or intoxication. Some are unknown to the organization. Others arrive through a hotline, a police…
October 9, 2026