Strength. Knowledge. Direction.

Kapnick Insurance 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.
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Business

Comprehensive coverage for your commercial 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

with Midwest roots and a global reach.

Founded in 1946, Kapnick Insurance is an independent professional insurance advisory firm. 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.

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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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Looking for a great place to work? You found it!

Our Clients Say

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“Kapnick is responsive, independent, and big enough to fill our needs while giving us the personal attention we desire.”

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“Kapnick does a remarkable job of researching, negotiating & implementing the best possible benefit plan an organization our size could acquire.”

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“We may not be one of the biggest clients at Kapnick, but we get treated like one whenever we call.”

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“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.”

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“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.”

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“Kapnick Insurance and its Assurex Partners have played a key role in securing our growth and assets, both domestically and internationally.”

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

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“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.”

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“We couldn’t be happier with the personal level of service they have provided for us, and look forward to our lasting relationship.”

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“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.”

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“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.”

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“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
Manufacturing Cyber Insurance: Protecting the Plant Floor Business Insurance

Manufacturing Cyber Insurance: Protecting the Plant Floor

When manufacturers think about cyber risk, they often picture stolen customer data. Yet the bigger threat is usually downtime. Ransomware can lock up scheduling systems, shut down connected machines, and stop shipments within hours. For a plant running tight delivery schedules, every hour offline costs money and customer trust. Manufacturing cyber insurance is designed to help you recover from that kind of event. However, policies vary widely, and carriers now expect strong security controls before they offer coverage. Here is what to know.Why Manufacturers Are Prime TargetsManufacturing has ranked as the most attacked industry in IBM's X-Force Threat Intelligence Index…
November 6, 2026
How Your Experience Modification Rate Shapes Workers’ Comp Costs Business Insurance

How Your Experience Modification Rate Shapes Workers’ Comp Costs

For most manufacturers, workers' compensation is one of the largest insurance costs on the books. Yet many leaders only see the final premium, not the number driving it. That number is your experience modification rate, often called the mod. It compares your claims history to similar businesses in your industry. A good mod can lower premiums for years, while a poor one can quietly add thousands. Understanding how the mod works is the first step to controlling it. Better yet, many of the factors behind it are within your control.What the Mod MeasuresYour experience modification rate compares your actual losses…
November 6, 2026
Product Liability Insurance: What Your Customer Contracts Really Require Business Insurance

Product Liability Insurance: What Your Customer Contracts Really Require

Winning a new customer is exciting. Then the supplier agreement arrives with pages of insurance requirements. Higher limits, additional insured endorsements, waivers of subrogation, and indemnity language all land on your desk at once. Many manufacturers sign and send a certificate, assuming their current policy covers it. Often, it does not fully match. Product liability insurance is one of the most important protections a manufacturer carries. However, its value depends on how well it lines up with the promises you make in every contract. Here is what to watch for.Why Customer Contracts Keep Getting TougherLarge OEMs and distributors want to…
November 6, 2026