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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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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

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
Alternative Funding Options: 4 Moves HR and Finance Can Make Now Employee Benefits

Alternative Funding Options: 4 Moves HR and Finance Can Make Now

Healthcare costs keep climbing, putting immense pressure on company budgets. For HR and finance leaders at mid-market organizations, the traditional fully insured model often feels like a trap. It offers little control, limited transparency, and no relief from annual premium hikes. Worse, the constant cycle of renewal negotiations leaves you stuck—forced to either absorb unsustainable costs or shift the burden onto your employees. That’s why exploring healthcare cost control strategies is more critical than ever. Fortunately, you don’t have to stay in this reactive cycle. By taking a proactive, strategic approach to benefits funding, you can unlock significant savings, improve cash flow,…
August 1, 2026
The Hidden Credit Score Impact on Your Auto and Home Insurance Rates Personal Insurance

The Hidden Credit Score Impact on Your Auto and Home Insurance Rates

When you shop for auto or home insurance, you probably expect insurance companies to check your driving record or look at the age of your roof. Those things definitely matter. However, there’s another important factor at play—your credit score. The credit score impact on your insurance premiums can be significant, yet many people don’t realize just how much their credit score can raise or lower what they pay. You might wonder: What does your credit card bill have to do with driving safely or taking care of your home? Actually, insurance companies connect credit history with the risk of filing…
August 1, 2026
2026 Mid-year Market Update Business InsuranceEmployee BenefitsKapnick News

2026 Mid-year Market Update

Welcome to Kapnick’s 2026 Mid-year Market Update, where we highlight key business insurance and employee benefit trends, their challenges, and how proactive organizations can find opportunities to adapt and thrive.Continue reading below to learn about overall trends, request the full mid-year report, or watch the short video:BUSINESS INSURANCEThe first half of 2026 saw property lines softening, while casualty lines remain tight due to rising litigation-driven claims costs.We're especially seeing business insurance be impacted by:AI and Technological AdvancementsSevere WeatherGeopolitical TensionsEMPLOYEE BENEFITSThe first half of 2026 has been defined by rising healthcare and pharmacy costs, growing demand for personalized benefits, and the…
June 25, 2026