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Strength. Knowledge. Direction.

Kapnick Insurance is a fourth generation professional advisory firm that has grown to be one of the largest independently owned insurance brokerages in the Midwest. We represent top rated national and regional insurance carriers. As a top performer in the insurance industry, we have access to markets, products and programs giving us the flexibility to match each client with the best carrier – whether it’s providing business insurance, personal insurance, employee benefits, risk management or financial strategies.
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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.

Business Mix

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 an independent professional advisory firm with Michigan roots and a global reach. Our 180+ 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.

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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

We appreciate the attention we get from Kapnick. They’re very responsive, independent, and big enough to fill our needs while giving us the personal attention we desire. We have diverse goods and services across the agriculture sector, and 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.

In my 20+ year tenure, Kapnick has done a remarkable job of researching, negotiating & implementing the best possible benefit plan an organization our size could acquire. My Kapnick team has quickly, accurately, and graciously answered all. I cannot imagine doing my job without Kapnick’s support.

My team at Kapnick always comes through for us and provides us with workable solutions. For a small family business like ours, that makes us feel important. We may not be one of the biggest clients at Kapnick, but we get treated like one whenever we call.

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. With a company the size of ours, you know that property and liability insurance are major factors in our business operations. I derive great comfort from having Kapnick as part of our team.

Erica met with me, and then with the HR Committee of the board to review the Diversity & Inclusion assessment scorecard and recommendations. We could not have been more impressed with the presentation and discussion she led us through. The information was meaningful and concise and gave us very concrete ideas for next steps in our diversity & inclusion programming - not only as an employer but with our board and our visibility in the county. We welcome the opportunity to work with her again, and to share our experience with our stakeholders in Washtenaw County.

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. We count on Kapnick to support this innovation, both domestically and internationally. Their unique and creative solutions for our business ultimately allow us to be more competitive in our markets. They’ve delivered on that.

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

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.

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. 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 premiums competitive with the market.

Explore Our Resource Library
Employee Benefits

Personalized Benefits Packages – One Size Does Not Fit All

In the dynamic landscape of today's workforce, human resources professionals and C-suite executives are faced with an evolving challenge—how to attract and retain top talent in an era where employee expectations have drastically shifted. The model of one-size-fits-all benefits is becoming obsolete, replaced by a growing need for personalized benefit packages that cater to the diverse needs of employees at various life stages. The Shift Towards Personalization Gone are the days when a standard health insurance plan and a retirement savings account sufficed as an attractive benefit offering. Today's employees are more discerning and demand benefits that align with their…
November 25, 2024
Personal Insurance

Are Your New Holiday Gifts Covered by Insurance?

The holiday season often brings joy, festivity, and excitement, as well as an influx of new and valuable possessions. Whether it’s a delicate piece of jewelry, a rare book, or the latest camera equipment, these high-value gifts can bring both happiness and a hint of worry. What if something happens to them? This is where insurance comes into play. Why Consider Insurance for Your Holiday Gifts? Imagine unwrapping a brand-new guitar on Christmas morning, only to have it slip from your hands. Or perhaps your new watch gets misplaced during a New Year’s celebration. These scenarios highlight the importance of…
November 25, 2024
Business Insurance

Deepfakes: A New Frontier in Cyber Threats for Business Owners

In the constantly evolving world of cyber threats, staying one step ahead is vital for protecting your business and its assets. While phishing schemes and ransomware attacks have been prevalent in the past, businesses have become more adept at defending against these threats through advanced security protocols and employee education. However, the emergence of deepfakes represents a new and sophisticated challenge that requires attention and a strategic defense. The Rise of Deepfakes Deepfakes utilize artificial intelligence to create highly realistic, yet fake, videos, images, and audio recordings. This technology leverages AI's capabilities in generating lifelike content, which can be indistinguishable…
November 25, 2024