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 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.

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
SHRM Names Caregiving a Top Workplace Issue for 2026 Employee Benefits

SHRM Names Caregiving a Top Workplace Issue for 2026

Why Employers Should Pay Attention Now In its Top Five Workplace Policy Issues for 2026, SHRM identified that caregiving is a top workplace issue, not just a personal challenge, but a measurable business issue.¹ With limited public care infrastructure and a growing multi-generational workforce, employers are increasingly absorbing the downstream impact of caregiving strain. The data reinforces why this issue can no longer be viewed as peripheral.
March 3, 2026
Navigating Loan Restrictions and Liability Gaps: Insurance Challenges for Property Owners Business Insurance

Navigating Loan Restrictions and Liability Gaps: Insurance Challenges for Property Owners

For property owners, securing insurance has always been about managing risk. However, new challenges, including loan restrictions and liability gaps, are making it harder to obtain the coverage needed to satisfy loan requirements and protect assets. Two key trends are driving concern: stricter Fannie Mae and Freddie Mac insurance requirements and a surge in exclusions for abuse, assault, battery, and firearms.
March 1, 2026
How to Get Your Library Board to Say “Yes” Faster Employee Benefits

How to Get Your Library Board to Say “Yes” Faster

As a library leader, you are constantly working to improve services, support your staff, and secure the financial health of your organization. You develop thoughtful proposals for new benefits plans or critical compliance updates, only to see them stall in board meetings. The delay or rejection often has little to do with the merit of your ideas. Instead, it comes down to how the information is presented. Getting board approval is often the make-or-break step for moving your library forward. Even the most well-intentioned proposals can get lost in translation, leading to frustrating delays and missed opportunities. The key to…
February 26, 2026