Skip to main content

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.
Learn More

Icon Personal

Business

Comprehensive coverage for your commercial risk.

Icon Employee Benefits

Employee Benefits

Attract, retain and protect your team.

Icon Business

Personal

Insurance tailored to fit your life.

Business Mix

A premier insurance broker

with Midwest roots and a global reach.

Founded in 1946, Kapnick Insurance is an independent professional advisory. Our 200+ 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.

Read About Us
Get A Quote

Buildings-Icon

Industry Focus

Custom solutions for unique exposures.

Logo-Kapnick-Connect

Kapnick Connect

Tools to manage your insurance.

Careers-Icon

Careers

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

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
Controlling Your Workers’ Compensation Costs Business Insurance

Controlling Your Workers’ Compensation Costs

Workers’ compensation is a significant operating expense for any business in the food, logistics, or retail sectors. While many leaders view it as an uncontrollable cost of doing business, a strategic approach can dramatically reduce its impact on your bottom line. The key is understanding that your premium is not a fixed price; it is a direct reflection of your company's loss performance.  By focusing on both preventing injuries and managing claims effectively after they occur, you can take control of your workers’ compensation program. A lower Experience Modification Rate (MOD) means direct premium savings, freeing up capital that can be…
November 17, 2025
Keeping Drivers Safe and Improving Your FMCSA Scores Business Insurance

Keeping Drivers Safe and Improving Your FMCSA Scores

For fleet and operations leaders, nothing is more important than ensuring your drivers get home safely at the end of every shift. A strong safety culture is not just a moral obligation; it is also a critical component of a healthy, profitable business. Your Compliance, Safety, Accountability (CSA) scores, managed by the Federal Motor Carrier Safety Administration (FMCSA), are a direct reflection of your safety performance.  Poor scores don't just put your drivers at risk. They lead to higher insurance premiums, lost contracts with discerning shippers, and increased roadside inspections that disrupt your operations. The path to better safety outcomes and lower CSA scores begins…
November 17, 2025
Are You Maximizing the Value of Your Risk Transfer Spend? Personal Insurance

Are You Maximizing the Value of Your Risk Transfer Spend?

For leaders in food manufacturing, logistics, and retail, managing risk is a constant balancing act. Transferring risk through insurance is essential, but is your program truly delivering value? Many companies see insurance as a fixed cost, missing opportunities to optimize spending and reduce financial waste. Your total cost of risk transfer includes more than just premiums. It combines insurance premiums, self-insured retained losses within deductibles, and administrative fees. By viewing these components together, you can spot inefficiencies and realign your program. This isn’t about cutting corners—it’s about making your insurance budget work smarter. Where Is Value Leaking? Inefficiencies in risk…
November 17, 2025