Kapnick Insurance

Kapnick Insurance is an independent insurance brokerage founded in 1946 and headquartered in Adrian, Michigan, with additional offices in Ann Arbor, Troy and Grand Rapids, Michigan and Maumee, Ohio. It describes itself as one of the Midwest's largest independently owned insurance brokerages, representing national and regional carriers, and says it serves clients throughout the United States and internationally.

The firm is organised into business insurance, employee benefits, personal insurance and worksite well-being groups, with specialty risk and transactional risk teams and international capabilities. On the benefits side it also runs third-party administration for self-funded plans, covering medical and dental claims administration, eligibility management, member advocacy, stop-loss coordination and FSA and HRA administration.

Coverage is organised by industry, and the practice list includes real estate alongside construction, manufacturing, towing and transport, food and agribusiness, hospitality and recreation, professional services and non-profits. The construction group places practice or project policies and handles alternative risk structures such as high-deductible programs, captives and risk-sharing pools, professional liability, workers' compensation, contractual risk transfer consulting, contract review and insurance compliance, and claims advocacy.

The firm publishes no rates. Coverage, carrier appointments and which office handles a given account are worth confirming directly on 888-263-4656, particularly for property outside Michigan and Ohio.