Gibson Acquires Capstone Insurance Group, Strengthening Specialized Capabilities for Indiana’s Emergency Services Community
South Bend, Ind. – January 1, 2026 — Gibson Insurance, a Unison Risk Advisors (URA) platform agency, announced today it has acquired Capstone Insurance Group, LLC, an Indiana-based agency specializing in fire departments, emergency medical services (EMS) agencies, public entities, and select commercial clients.
Founded with a mission to provide high-quality, affordable insurance and hands-on risk support, Capstone has built a strong reputation across Indiana’s emergency services community. Its focus on integrity, long-term relationships, and tailored advisory services aligns closely with Gibson’s values and client-first philosophy.
“This acquisition reflects our strategy of building specialized capabilities that make a meaningful difference for clients,” said David Walters, President of Gibson. “Capstone is deeply trusted by the fire and EMS organizations they serve, and their expertise enhances our ability to support these essential public safety partners. We are thrilled to welcome the Capstone team to Gibson.”
Capstone brings deep expertise to Gibson’s growing portfolio of niche practices. With decades of experience supporting fire departments, EMS agencies, and public entities, Capstone offers tailored property and casualty programs, operational risk management guidance, and hands-on claims facilitation designed for the complex needs of public safety organizations.
“For more than 25 years, we’ve been driven by a mission to help emergency services organizations operate safely and with confidence, ensuring emergency responders have the best insurance protection,” said Paul Zilz, founder of Capstone Insurance Group. “Joining Gibson allows us to strengthen that commitment with broader resources, deeper bench strength, and expanded capabilities — all while preserving the close relationships and personalized service our clients expect.”
As part of the transition, the current advisory and service team will continue in their established roles, ensuring full continuity for all clients. The leaders of the practice will assume expanded responsibilities within Gibson, including senior advisory and practice management roles. Additionally, key members of the team have been invited to serve as Gibson Principals, recognizing their industry leadership and the strategic importance of this specialty practice to Gibson’s future.
“Capstone’s passion for protecting those who protect our communities aligns perfectly with who we are,” said Tim Leman, CEO of Gibson. “This partnership enhances our capabilities while maintaining the independence, culture, and client commitment that define both organizations.”
About Capstone Insurance Group, LLC
Capstone Insurance Group specializes in serving fire departments, EMS agencies, public entities, and select commercial clients across Indiana. The firm provides tailored insurance solutions, proactive risk management support, and hands-on claims facilitation to help emergency services organizations operate safely and with peace of mind. Capstone is known for its integrity, client relationships, and deep expertise in public safety risk.
About Gibson | A Unison Risk Advisors Company
Founded in 1933, Gibson serves clients across the U.S. from offices in Indiana, Michigan, Illinois, Arizona, and Utah. As a platform agency of Unison Risk Advisors, Gibson combines local leadership with national scale to deliver comprehensive business insurance, employee benefits, and private client solutions. Learn more at www.thegibsonedge.com.
