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Kapnick Insurance is your trusted independent insurance brokerage throughout the United States and internationally.

Your family, your business and your possessions are all important, but you may not know how to best protect them. We have the experience to navigate your unique risks.

What Sets us Apart

Specialized Knowledge

Kapnick has dedicated teams of experts that know and understand your industry and specialized coverages.

Employee Loyalty

Our employees are fiercely loyal, with an average of 9 years of service. They have a vast knowledge base spanning many areas of specialization.

Community Commitment

Kapnick Insurance remains one of the top supporters of charitable causes in Adrian, MI, and has a growing philanthropic reputation in Washtenaw County and the metro Detroit area.

Statistics & Core Values
decades of commitment to our clients
satisfied clients across the USA and around the globe
insurance professionals on staff
generations of trusted advice


A great reputation takes a long time to build but is quickly destroyed. At Kapnick, we work hard to protect our reputation by being open, honest, and fair.


We respect, value, and nurture every client, carrier partner, and colleague relationship, striving to always treat everyone as individuals with trust and caring.

The Heart of our Solutions is INNOVATION

Change can be difficult, but from change comes innovation. We differentiate ourselves by seeking creative solutions to meet clients’ challenges and goals.

our Passion

We take personal responsibility for solving clients’ problems. Providing exceptional results, responsible planning, and great service is required as stewards of our clients’ resources.

In today’s rapidly evolving business environment, technology continues to impact the way business is done. How do you make sense of increasingly complex insurance issues? How does one minimize risk? Is it possible to increase program quality while reducing cost? This is where Kapnick Insurance excels. We simplify complexity. We innovate. We partner. We lead clients in new directions that minimize risk and reduce cost.

When he first opened his doors for business in 1946, Elmer Kapnick believed success came from a deep commitment to customer service, hard work and giving back to the community. Over seventy five years later, his philosophy still propels our company forward.

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.

Our success can be attributed largely to our people. Kapnick employs 180+ insurance professionals who have earned a national reputation for anticipating clients’ problems, creating innovative solutions and passionately giving back to the communities we serve.

Community Involvement

A fundamental focus of Kapnick Insurance Group continues to be our involvement in, and support of, organizations that benefit our communities.

We recently surveyed our employees about their individual community involvement, and this is what we learned:

employees are board members at non-profit organizations
different non-profit organizations are represented
total volunteer hours have been donated to date
A Bit of Bragging
Kapnick ranked number 83 in Business Insurance Top 100 US Brokers

Business Insurance Top 100

Kapnick Insurance was selected by Business Insurance Magazine as the 83rd largest business insurance broker in the US in 2021 out of nearly 25,000 firms across the nation. Business Insurance is the authoritative news and information source for executives concerned about risk and the impact on their business.

Best Practices Agency – Independent Insurance Agents & Brokers of America

The annual Best Practices Study of leading agencies and brokers in the country provides member brokers with meaningful performance benchmarks and business strategies that could be adopted or adapted for use in improving broker performance, thus enhancing brokerage value.

Best Places to Work

Kapnick Insurance has been named to Business Insurance Magazine’s “Best Places to Work in Insurance” every year since 2010. To make the Best Places to Work in Insurance list, each company had to demonstrate a minimum standard of excellence and innovation.

Top 100 P/C Insurance Agency

Kapnick was recently recognized as a Top 100 Independent Property/Casualty Agency by Insurance Journal, considered the most read national property and casualty publication for independent insurance agents and brokers. The Top 100 list is ranked by total property/casualty agency revenue.

Par Excellence

PAR Excellence Award

For the sixth year in a row, Kapnick Insurance is the recipient of the PAR Excellence Award. This award recognizes outstanding performance in the E&O Plus Quality Management Program. Kapnick recently underwent a rigorous audit from E&O Plus and the award is based on our commitment and compliance to providing services.

Best and Brightest

Best and Brightest in Wellness

The 2020 Best and Brightest In Wellness® program recognizes quality and excellence in health awareness for employers, wellness providers, schools, faith-based groups, and nonprofits that promote a culture of healthiness.

Cool Places to Work

Crain’s Detroit Cool Places to Work – Kapnick Insurance was one of 100 companies selected for the “Cool Places to Work.” This project recognizes employers that go the extra mile to make employees feel appreciated — as judged by the employees themselves.

Best and Brightest in the Nation

The Best and Brightest Companies to Work For®competition identifies and honors organizations that display a commitment to excellence in operations and employee enrichment that lead to increased productivity and financial performance. This national program celebrates those companies that are making better business, creating richer lives and building a stronger community as a whole.

USA Top Workplaces

This award celebrates nationally recognized companies that make the world a better place to work together by prioritizing a people-centered culture and giving employees a voice.

Our Core Values: We demonstrate Integrity in all aspects of our business. Respect isn’t just a word; it’s our way of life. Our passion is Stewardship. Innovation is at the heart of our business.