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Strength. Knowledge. Direction.

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

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 a third generation, privately held, Michigan-based professional service firm. Our 160+ employees provide expert guidance pertaining to business insurance, risk solutions, employee benefits, corporate wellness, international reach, and personal insurance to a vast and diverse base of clients worldwide. For over 70 years companies have looked to Kapnick Insurance Group 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

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.

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

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

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 premium competitive with the market.

For 30 years we have shared a true partnership with Kapnick Insurance.From analyzing and placing insurance coverage to solving claims problems, I never cease to be amazed at the extraordinary service we receive from Kapnick.

Explore Our Resource Library

Kapnick NewsMarket Forecast

2021 Mid-Year Market Forecast

The business insurance marketplace in 2021 continues to be hard. Rates are increasing and capacity is decreasing. The cause of the hard market is multi-faceted, but follows a 10-year period of a soft market in which rates decreased and capacity in the marketplace was not an issue. Most believe COVID-19 is still impacting rates, including pricing, (more…)
Medicare Part D Disclosures Due to CMSLegislative Updates

Legislative Update – PCORI Fees Alert – June 2021

Quick Facts: The Affordable Care Act (ACA) requires health insurance issuers and employers that sponsor self-funded group health plans to pay Patient-Centered Outcomes Research Institute (PCORI) fees. Employers that sponsor fully insured health plans are not required to pay the fee directly, but employers sponsoring self-funded plans must pay the fee annually on IRS Form 720. (more…)
Kapnick NewsMarket Forecast

2021 Market Forecast

A Letter from Jim Kapnick, CEO I began my introduction to last year’s market forecast with the note that 2019 was a year of both challenges and opportunities. Most would say 2020 was a year of straight challenges. In the US, social upheaval and an election cycle meant uncertainty and stress, while the lingering coronavirus pandemic brought considerable devastation (more…)