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Kapnick Insurance

Feb 24

Halloween Safety and Personal Insurance: Tips to Protect Your Family and Home

By Personal Insurance
Halloween is a time for spooky fun, creative costumes, and gathering treats. While you're busy planning the perfect costume or stocking up on candy, it's also a good time to think about keeping everyone safe. A few simple precautions can prevent accidents and injuries. This guide covers essential tips for Halloween safety and personal insurance, helping you protect your family and home from unexpected frights. By understanding the risks, you can ensure your holiday remains a treat, not a trick.
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Feb 19

Your Teen Driver Had an Accident. Now What?

By Personal Insurance
The phone call every parent dreads is the one that starts with, "Mom, Dad... I've been in an accident." Even a minor incident can feel overwhelming, especially when it involves a new driver. For the family of a long-time client, this scenario became a reality when their teen driver hit a deer. The experience was unsettling, and they were immediately faced with a wave of questions and concerns. What do we do next? Will our rates go up? How does this process even work?
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Feb 19

8 Proven Employee Engagement Strategies

By Employee Benefits
An engaged workforce fuels company success, and implementing the right employee engagement strategies makes all the difference. When employees feel connected, productivity and loyalty rise. Yet, many organizations, especially those with dispersed teams, struggle to foster engagement. Disengaged employees can lower morale and negatively impact profitability. The High Cost of Disengagement Low engagement leads to poor motivation, reduced work quality, and higher turnover. The impact is real: companies that invest in effective employee engagement strategies often see income increase, while those with low engagement risk significant revenue drops. Prioritizing employee engagement is a smart business move. Actionable Employee Engagement Strategies:…
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Feb 19

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

By Personal Insurance
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…
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Feb 11

Is Your Benefits Spend Hitting the Mark?

By Employee Benefits
As an HR leader or CFO, you spend a significant portion of your budget on employee benefits. The goal is twofold: attract and retain top talent while managing costs effectively. But how do you know if the benefits you offer are truly valued and used by your employees? The effectiveness of your employee benefits spend is a critical question. Offering a benefit that nobody uses is like broadcasting on a dead channel—it’s a financial drain with no return. Conducting a regular benefits cost-benefit analysis is no longer a "nice-to-have" administrative task; it's a strategic necessity. This process helps you identify…
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Feb 04

Manifest and Kapnick Insurance Announce First-of-Its-Kind Partnership for Employer Healthcare Solutions

By Employee Benefits, Kapnick News
MANIFEST AND KAPNICK INSURANCE PARTNER TO IMPROVE HEALTHCARE OPTIONS FOR MICHIGAN EMPLOYERS First-of-its-kind partnership will bring Manifest Provider Collective to progressive West Michigan employers leveraging Kapnick for benefit consulting services. Grand Rapids, Michigan – January 28, 2026 Manifest, a healthcare solutions design studio, today announced a new partnership with Kapnick Insurance, Michigan’s largest independent, family-owned benefits agency. Together, the organizations will make the Manifest Provider Collective available to employers that work with Kapnick for employee benefits and health plan consulting.
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Feb 04

What the Newest Set of ERISA Lawsuits Could Mean for Your Organization

By Employee Benefits, Legislative Updates
On December 23, 2025, Schlichter Bogard LLC filed its first healthcare ERISA cases against United Airlines, Labcorp, CHS, and Universal Services over voluntary benefits. This is the same firm with three unanimous Supreme Court victories, over $750 million in settlements, and an estimated $2.8 billion annual reduction in 401(k) fees. Each case generally alleges that the employers and their benefits brokers breached their ERISA fiduciary duties and caused the participants to pay excessive premiums due to failures in: engaging in a prudent process when selecting insurance offerings; monitoring the commissions received by the benefits brokers; and monitoring the loss ratios on…
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Feb 01

5 Scenarios Where Umbrella Insurance Can Save You

By Personal Insurance
You work hard to protect your assets with insurance. But what if an accident or lawsuit goes beyond your regular coverage? Umbrella insurance adds extra liability coverage to shield your savings, home, and income—showing how umbrella insurance can save you when the unexpected happens. Here are five scenarios where umbrella insurance can save you from major financial loss. See how umbrella insurance can step in when you need it most.
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Jan 15

Digital Pirates: The Newest Evolution of Cargo Theft

By Personal Insurance
Picture this: A truck driver locks up for the night at a rest stop, sure the cargo is safe. But, from hundreds of miles away, a cybercriminal infiltrates the fleet’s systems, reroutes the shipment, and lines up a buyer—all without touching the truck until it’s too late. For the trucking industry, cargo theft has moved far beyond locks and fences. Digital threats are now as real as physical ones, and only a layered approach to risk management—including insurance—can truly safeguard your operation.
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Jan 07

2026 Market Forecast: From Reaction to Readiness

By Market Forecast
The strategy for 2026 is clear: stop reacting and start preparing. For business leaders, the coming year represents a pivotal shift from managing crises to building genuine readiness. Whether you are navigating complex commercial risks or designing a benefits package to retain top talent, success will depend on data-driven insights and proactive planning. That's why Kapnick put together our 2026 Market Forecast. The most successful organizations won't leave their stability to chance. Instead, they will pair resilience with intelligence to stay competitive. Read on to learn more, or access the full market forecast here.
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