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Personal Insurance

Nov 17

Are You Maximizing the Value of Your Risk Transfer Spend?

By Personal Insurance
For leaders in food manufacturing, logistics, and retail, managing risk is a constant balancing act. Transferring risk through insurance is essential, but is your program truly delivering value? Many companies see insurance as a fixed cost, missing opportunities to optimize spending and reduce financial waste. Your total cost of risk transfer includes more than just premiums. It combines insurance premiums, self-insured retained losses within deductibles, and administrative fees. By viewing these components together, you can spot inefficiencies and realign your program. This isn’t about cutting corners—it’s about making your insurance budget work smarter. Where Is Value Leaking? Inefficiencies in risk…
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Sep 17

The Importance of Jewelry Appraisals for Personal Insurance Buyers

By Personal Insurance
When it comes to protecting your most treasured possessions, ensuring your jewelry is properly appraised is an essential step. Jewelry appraisals provide a detailed valuation of your pieces, ensuring that you have adequate coverage in the event of loss, theft, or damage. Whether it's a family heirloom, an engagement ring, or a custom-designed necklace, having an accurate appraisal gives you peace of mind and financial security.
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Sep 10

Understanding Dog Bite Coverage

By Personal Insurance
Dog ownership brings immense joy and companionship, but it also comes with important responsibilities—especially being financially prepared for unexpected incidents like dog bites. Every year, thousands of dog bite claims are filed, often leading to hefty medical bills or legal fees. Having the right personal insurance policies in place is crucial to protect yourself from financial fallout.
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Sep 09

Benjamin Schmidt Joins Kapnick as Commercial Risk Advisor

By Personal Insurance
Kapnick Insurance is pleased to welcome Benjamin Schmidt as Client Executive in Indianapolis. Ben joins the team with significant insurance experience, supporting Kapnick’s client-first approach and focus on building trusted relationships in the region. Ben’s professional background includes time in underwriting as well as business development roles serving clients across the Midwest. His consultative style, strategic mindset, and dedication to exceptional service make him a natural fit for Kapnick’s mission. Ben will play a key role in expanding Kapnick’s presence in Indiana and delivering tailored insurance solutions to meet clients’ evolving needs. For organizations seeking experienced guidance and personalized support,…
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Aug 12

How Weather Impacts Insurance Rates and What You Can Do About It

By Personal Insurance
From hurricanes to wildfires, extreme weather poses a heightened risk to personal property and vehicles, significantly influencing homeowners and auto insurance rates. This article should help you understand how weather impacts insurance rates and provide actionable tips on how to manage your costs effectively. Why Weather Plays a Big Role in Insurance Rates Insurance companies assess the likelihood of claims when determining your premium. With climate change contributing to more frequent natural disasters, the potential for damage – and the corresponding number of claims – has surged. Whether it’s hail damaging your roof, flooding in your basement, or windstorms toppling…
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Apr 16

Umbrella Insurance: Extra Protection for Your Peace of Mind

By Personal Insurance
Your standard insurance—like homeowners, auto, or renters—does a great job covering the basics. But let’s be honest, accidents and lawsuits these days can get expensive fast, sometimes going way beyond those coverage limits. That’s where umbrella insurance steps in. It gives you extra protection and financial security, so you don’t have to lose sleep over the “what ifs.”
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Mar 20

6 Easy Steps to Get Your Home Ready for Spring

By Personal Insurance
With warmer weather just around the corner, this is the perfect time to refresh and maintain your home. Proper preparation ensures your home is safe, comfortable, and ready to handle the heat. Below, we’ve put together 6 easy steps to help you get started, including tips on essential maintenance tasks, outdoor preparations, and a closer look at the importance of homeowners insurance.
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