Food, Beverage & Hospitality Risk Specialization
At Heil & Heil, our specialization in the food industry is rooted in a deep commitment to the people who feed our communities. As a long-standing partner of
and a proud member of the Food Industry News , we don’t just provide policies; we advocate for the entire ecosystem—from manufacturing plants and regional suppliers to the vibrant restaurants, bars, and taverns that define our local culture. Illinois Restaurant Association We understand that the food industry is a high-stakes environment where margins are tight and risks are evolving. We provide technical proficiency in managing the unique exposures of:
Manufacturing & Processing: Protecting the infrastructure, equipment, and product integrity of food production facilities.
Distribution & Supply Chain: Managing the logistical risks of suppliers and wholesalers who keep the industry moving.
Restaurants & Fine Dining: Specialized advocacy for independent establishments and multi-unit groups navigating liability and labor challenges.
Bars, Taverns & Nightlife: Targeted risk programs for hospitality venues where liquor liability and public safety are paramount.
Our team provides more than just a quote; we offer a strategic "operator’s perspective" that anticipates challenges before they arise. We work to safeguard your reputation, your workforce, and your long-term viability in an industry where every detail matters.
Jack Benson, ACLC
Commercial Specialist
Jack provides specialized risk management and insurance advocacy for real estate investors, food manufacturers, and the hospitality industry. His focus on these sectors grew from a personal interest in the stories behind Chicago’s buildings and a deep respect for the craft of the city’s chefs and restaurateurs.
As an Accredited Commercial Lines Consultant (ACLC), Jack views insurance as a tool to help a business grow rather than a hurdle to overcome. He prioritizes speed, detail, and clear communication, ensuring that insurance requirements never slow down a client’s momentum. By learning the unique history and future goals of every operation he serves, Jack provides a level of stewardship that is tailored to the individual journey of the business owner.
Being part of a 140-year independent legacy allows Jack to provide the personal, responsive service that busy business owners require. He believes that the most valuable service an advocate can provide is "lightening the load" for his clients, allowing them to stay focused on their own growth and success.
Outside of the office, Jack is an avid supporter of the Chicago White Sox and enjoys exploring the city’s evolving restaurant scene. He values time spent with his family—especially his niece and nephew—and stays active during the winter months skiing.
Karen Caplan
Sr. Commercial Account Manager
Karen’s professional journey began at Heil & Heil in the mid-1980s, and after decades of gaining broad industry experience at other agencies, she returned to her roots in 2023. This "full circle" career path gives Karen a unique, long-standing perspective on the insurance landscape and a deep appreciation for the relationships that define our agency. She views insurance as a platform for genuine connection, ensuring that every client feels heard and valued rather than just another item on a list.
When a client trusts Karen with their risk, her priority is to deliver a level of service characterized by ownership and accessibility. She leverages her extensive background and the agency's established carrier relationships to provide strong negotiating power and technical proficiency.
Beyond the office, Karen is an enthusiast of the natural world and true crime documentaries. She is particularly devoted to her cat, Daisy, and finds balance through reading and staying curious about the "new challenges" the insurance industry presents every day.