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Most business owners understand that their employee benefits package is a powerful tool for attracting the best candidates and retaining their current staff members. This is why they spend so much
Every year, more than 20% of car crashes happen in winter alone due to the heavy snow and sleet that reduces visibility and makes roads slippery, as reported by the Federal Highway Administration
Under the Americans with Disabilities Act (ADA), employers with at least 15 employees must grant employee requests for ADA accommodations, except in cases where such accommodation would lead to
When accidents happen on your property, you can be held responsible for medical costs, pain and suffering, and other damages to an injured party. As reported by the Insurance Information Institute
In times of crisis, American insurance companies usually offer extended insurance grace periods to their customers affected by such disasters. For instance, after the wildfires of 2019, the
Thanks to business models such as affiliate marketing and drop shipping, all you need to start an e-commerce business today is an internet connection and an internet-enabled device. To put it another
On July 21, 2020, the IRS released the ACA affordability percentages for 2021. These changes take effect for taxable plan years beginning January 1, 2021. Here are important details to know so
The coronavirus pandemic marked the biggest health concern of 2020, but toxic hand sanitizer risk became alarming as well. The FDA announced in June that methanol (aka wood alcohol) in 9 different
Michigan has recently updated its laws on auto insurance’s medical coverage, effective July 1, 2020. The various changes provide new options for Medicare enrollees regarding options for Personal
As a consequence of the global pandemic, employers are struggling to provide voluntary benefits plans and profit-sharing bonuses to their employees. Thus, the Department of Treasury and the
Choosing the right auto insurance policy can be difficult, especially for new car owners. Before you contact your insurer, learn about these six factors that may affect your auto insurance premiums.
Running a small business involves some risks. Natural disasters, equipment failures, and accidents that result in injuries can put your business in a difficult position. The best way to save your
The COVID-19 pandemic has forced several small businesses to remain shut down. According to a survey, 92% of small businesses have experienced adverse effects due to the pandemic. Here are some ways
In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures. Large corporations and privately
While business shutdowns have been necessary during the coronavirus pandemic to prevent the spread of the dangerous virus, a consequence has been theft of vacant commercial properties. Several major
The COVID-19 pandemic has affected many aspects of the workplace. Safety and monetary constraints are among the major changes brought forth by COVID-19. Not only will this impact employee
Organizations across the United States are implementing policies to minimize the potential spread of the coronavirus and protect their health. However, it is also pertinent for employers to review
The Occupational Safety and Health Administration (OSHA) has issued interim enforcement guidance regarding respiratory protection, given the nationwide N95 shortage during the COVID- 19 pandemic.
As an employer, you can afford better protection for your employees by making specific health plan changes, such as: Offering a mid-year enrollment window to employees who had not opted for a cover
Many organizations have asked their employees to work from home in the COVID- 19 pandemic to minimize social contact and prevent the spread of the coronavirus. However, if you have never worked
The Families First Coronavirus Response Act (FFCRA or Act) Effective March 18, 2020, the Families First Coronavirus Response Act (FFCRA) requires group health plans and health insurance issuers to
A shortage of acute care doctors and nurses to care for patients suffering from COVID-19 has forced many medical professionals to assume new roles and responsibilities. They are working long hours
Coronavirus and Managing Remote Work Cyber Risks Given the implications of the coronavirus (COVID-19) outbreak, countless employees across a variety of industries are working remotely. While this
What you need to know about the different coverage levels of HO-3 and HO-5 home insurance policies. When it comes to homeowners insurance in Michigan, many people assume that all policies are
How Trump’s 2020 State of the Union Address could affect the employee benefits market. On February 4, 2020, President Donald Trump gave the annual State of the Union Address. This year,
Don’t believe these common insurance misconceptions. While most people understand the need to secure different types of insurance, when it comes down to it, the general public knows very little
Are these commercial coverages actually different? If you own a company and are looking to secure the right business insurance in Michigan, then you have probably heard about professional liability
Find out what the state’s auto reform will mean for drivers. While auto insurance rates have increased throughout the country, Michigan drivers have faced the most significant premium hikes.
Understanding the effects of the three repealed ACA taxes and fees. On December 20, 2019, the Trump administration signed the 2019 continuing spending resolution that repealed several Affordable Care
Here are some of the things you should ask your insurance agent about. As a business owner, you want to do everything in your power to protect your company. This is why it’s so important to
Don’t make these common mistakes with your workers compensation insurance. Workers compensation insurance is one of the only legally mandated forms of business insurance in Detroit, Michigan.
Why you should list snowmobiles, jet skis, and other toys for personal liability coverage. If you carry homeowners, renters, or condo insurance, then your policy provides personal liability
What IRS transition relief means for 2019 ACA reporting. On December 2, 2019, the IRS issued a notice that changes ACA reporting standards for employers. Notice 2019-63 comes as a result of the IRS
Set these resolutions to grow your business this year. 2020 if officially here! While you may have made a point to set new year’s resolutions for your personal improvement, have you thought
Prepare your company for the worst with an IT disaster recovery plan. Today, data loss is one of the most serious risks that every company has to face. While having the right business insurance,
Which factors can lead to higher homeowners insurance rates? Now that 2020 is here, you may be getting ready to renew your homeowners insurance. Leading up to your renewal period, your insurance
Why you should review your employee benefits with your staff. Most business owners understand that their employee benefits package is a powerful tool for attracting the best candidates and retaining
Essential questions you need to ask about your commercial coverage. While the world of business is often unpredictable, your business insurance shouldn’t be. Unfortunately, many business
Don’t let bad winter road conditions put you at risk. According to the U.S. DOT Federal Highway Administration, 22% of all car accidents are related to the weather. Because winter sees some
Protect your home this winter. While you may be looking forward to a fun and festive holiday season, it’s important to remember that you still face risks as a homeowner. In fact, there are
On Sept. 24, 2019, the U.S. Department of Labor (DOL) announced a new final rule that updates the salary thresholds that some individuals must meet in order to qualify for a minimum wage and overtime
These questions should guide your year-end insurance review. Whether it be your auto, life, or business insurance, all your policies should be reviewed on an annual basis. If you haven’t
These mistakes will cost you dearly. As a fleet manager, your business relies on the safety and efficiency of your drivers. However, as the pressure to meet delivery deadlines mounts, your drivers
Here’s what you need to know about personal umbrella insurance. While your homeowners, auto, and other forms of personal insurance offer liability coverage, there’s no guarantee that this
How the MHPAEA changes how employee benefits are allocated. Recently, the Department of Labor, the Department of Human Services, and the Treasury Department have come together to promote compliance
How commercial auto insurance protects your business. If you own a car, then you know that you need to secure car insurance. Well, the same goes for your business. If your company owns and
Understanding the effect that Medicare’s new payment model has on skilled-nursing facilities. On October 1st, Medicare enacted its new Patient Driven Payment Model (PDPM). This model changes
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Workers consider healthcare coverage a more attractive employee benefit than 401(k)s. Currently, the U.S. is suffering through a retirement crisis where millions of employees lack the savings and
Take these steps to protect your business’s online information. For business owners, the idea of a major cyber attack is enough to make their blood run cold. This is because recent cases have
Understanding what abuse insurance can do for your home health agency, assisted living facility, or nursing home. Any organization that provides care or services for vulnerable populations is at risk
Understanding Michigan’s new auto reform. Recently, the state of Michigan agreed to a historic deal that reformed the state’s no-fault auto insurance system. Specifically, the deal
Here are some of the most commonly misunderstood business insurance policies explained in more detail. As a business owner, you know that you are responsible for securing insurance for your
Why your small business needs the protection offered by EPLI. While most small business owners know how important it is to secure the right commercial coverages, many only think about general
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45600 Village Blvd.
Shelby Township, MI 48315
Proudly serving Shelby Township, MI, Sterling Heights, MI, Clinton Township, MI, Macomb Township, MI, Troy, MI, Warren, MI, and surrounding areas throughout Michigan and the United States.
Licensed in MI, FL, OH, NY, AZ, IL, TX and CA
Sophia Najjar joined CIA Insurance and Risk Management in 2008. Through hard work and dedication, she became a partner in the firm in 2017. She focuses on loss control and risk management for medium and large size companies where she leverages CIA Insurance and Risk Management’s unique Pathway process to assessing risk. Sophia believes that a proactive prevention strategy allows business owners to reduce the total cost of risk associated with their company. This can result in companies being viewed as more attractive to the insurance market place, ultimately lowering their insurance premiums.
Sophia and her family reside in Macomb County. While away from work, she enjoys spending time with her kids, mom, and sisters. She loves the outdoors, nature, taking long walks or finding a quiet time to read are all ways Sophia reenergizes herself.
Janelle joined CIA Insurance and Risk Management in 2008. She utilizes a proactive approach to assist our clients in designing, developing, and maintaining an excellent benefits program in order to attract and retain the best talent.
Janelle has made it her mission to take the areas of Technology, Communication, Compliance, Data, and Enrollment to help her clients make informed decisions on their benefit programs. Working not only with company leadership but integrating employee education. Empowering employees to be the best consumers of their healthcare.
Janelle, her family reside in Macomb County. In her free time, she enjoys traveling and trying new restaurants.
Matt joined CIA Insurance and risk Management in 2019, bringing with him 3 years of risk management experience. He specializes in guiding businesses owners toward protecting their assets and employees through a targeted risk management approach, knowing that each organization is different.
Accreditations and Affiliations
Tim joined CIA Insurance & Risk Management’s commercial insurance team in September 2017. He came to the firm with a diverse history including experience in automotive warranty arbitration and publishing. Tim studied communication at Wayne State University where he focused on digital media and intercultural communication strategies.
With this background, Tim brings a sincere, unique approach to understanding his client’s needs and believes that a proactively managing risk can lead to lower overall costs, not just lower premiums.
Tim is originally from Interlochen, MI, but now resides in Ferndale, MI. Outside of CIA, Tim enjoys reading (or listening to) Sci-Fi and Fantasy novels, and is an avid golfer and international traveler.
Anne has been with CIA Insurance and Risk Management since 1989. She processes many back office functions, including Accounts Payable and Accounts Receivable, as well as manage internal reporting and coordinate licensing for carriers and agents.
Anne resides in Macomb County. In her free time, she enjoys reading and drawing.
In 2015, Melissa joined CIA Insurance and Risk Management as temporary staff to help with necessary coverage. She quickly became an asset for the company and officially became part of the CIA Insurance and Risk Management team in July 2016. Melissa supplies support to the accounting, commercial and personal risk management departments.
Kelly joined CIA Insurance and Risk Management in June 2017. Kelly supports the Employee Benefits team in an Administrative Assistant role supporting clients with their health benefit and open enrollment activities.
Outside of CIA, Kelly is preparing to adjust to an empty nest with her husband and looking forward to finding some new hobbies that include family, friends and volunteering at her church.
Tiffanie joined CIA in June of 2016 as the Employee Benefits Client Account Manager. Having been in the industry for 10 years, Tiffanie has been in both sales and service to ensure her clients receive optimal service. She enjoys employee benefits because she has the opportunity to help clients understand their benefits better and how to make their benefits work for them. Tiffanie resides in Macomb County with her son and enjoys being outside (especially BBQing) and serving at her church.
Jacqueline joined CIA Insurance & Risk Management in September 2016. She came to us with over one year of experience in financial services and life insurance. At Hillsdale College Jacqueline studied Latin, a discipline which cultivated her detail-oriented, organizational skills that she now brings to the Employee Benefits department.
In her free time, Jacqueline enjoys exploring the great state of Michigan with friends and family, whether it be skiing in winter or soaking up the sun on a lake in summer. “Up North” isn’t just a place for her – it’s a frame of mind.
Not only is Melissa new to CIA, but also to the state of Michigan. She brings with her over ten years of working within Client Relations, and is very excited to bring this experience to the company. In her spare time, she enjoys attending cultural events, and spending time in nature and with her pets.
Ashley joined CIA Insurance and Risk Management in 2016. She has a strong passion for delivering exceptional client service and has experience working with clients of various sizes and industries.
When away from the office, Ashley enjoys ballroom dancing and was on the MSU competitive ballroom dance team. She enjoys traveling, spending time with friends and family, going to red wings games, and cheering on the Spartans.
Amanda joined CIA Insurance and Risk Management in 2018 as a Commercial Account Manager, contributing Surety Bond knowledge to the team. Amanda’s drive is fueled by her meticulous work ethic, care for client experience, as well as continuing her education in the ever-changing Insurance industry.
Outside the office, Amanda enjoys traveling with her husband to their family’s property near Farwell, having board game nights with friends, exploring different cuisines, and expressing her creativity by crafting. She has a large immediate family and enjoys the chaos that ensues.
• Bachelor of Business Administration, Rochester College
• CISR (Certified Insurance Service Representative) designation
Linda joined CIA Insurance and Risk Management in 2018 as a Commercial Middle Market Account Manager. She has been in the insurance industry for over 20 years. She thrives on building strong relationships with her clients and meeting their insurance needs.
Linda resides in Port Huron with her husband. She enjoys boating and camping, although her biggest joy is spending time with her children and grandchildren.
• CIC (Certified Insurance Counselor) designation
• CISR (Certified Insurance Service Representative) designation
• Associates Degree in Business Management, Baker College
Tonia joined CIA Insurance & Risk Management in 2018 as an Commercial Account manager. She loves to get close with her clients to learn about their businesses and how they work. She enjoys working with clients from various industries and learning their operations. When away from the office, Tonia enjoys boating and spending time with her dog, family and friends.
•Property and Casualty License through the State of Michigan
Jeanine Bruwier joined the CIA Insurance team in October of 2010. She prides herself on providing excellent customer service and enjoys building relationships with those that she works with. Jeanine enjoys spending time with her family in her spare time.
Liz joined CIA Insurance and Risk Management in 2018, bringing years of client experience from the technology industry to the team.
When not working, Liz enjoys being outdoors with her two dogs, traveling, and cooking for her friends.
• Bachelor of Health Sciences, Oakland University
Christa Jannetta joined CIA in May 2017 as a Personal Risk Advisor. She has been licensed since 2000, and has since then worked in the Personal Lines Insurance field.
Outside of CIA, Christa and her husband enjoy when they have the opportunity to travel, see new movies, dine out, shop, and often spend time with family and friends.
Anna joined the CIA Insurance and Risk Management in 2002 as a Personal Risk Advisor. She brings more than 30 years of experience in the insurance industry. Anna maintains client relationships and performs both sales and service for the Personal Lines book of business.
Personal/community comments… Anna, her husband, and 3 sons reside in Macomb County. In her free time, she enjoys cooking, traveling, walking and spending time with family. Anna is also bilingual, speaking both Italian and English fluently.
Tim joined CIA Insurance & Risk Management in September 2017 as a Commercial Insurance and Risk Advisor. He came to the firm with a diverse history including experience in automotive warranty arbitration and publishing. Tim studied communication at Wayne State University where he focused on digital media and intercultural communication strategies. With this background, Tim brings a sincere, unique approach to insurance by understanding his client’s needs and by proactively managing his client’s risk to lower overall costs, not just lower premiums.
Tim is originally from Interlochen, MI, but now resides in St. Clair Shores, MI. Outside of CIA, Tim enjoys reading (or listening to) Sci-Fi and Fantasy novels, and is an avid golfer and international traveler.
Sam believes in providing excellence to CIA Insurance and Risk Management’s clients by offering the tools to achieve long-term stability and growth. His knowledge in what drives costs for a business and how to manage their risks as well as being a forward thinker in the business world generates a true desire for corporate clients to partner with him and his team to address their goals.
Proving to be a driving force in all aspects of his performance, Sam brings over 25 years of experience in commercial risk management to the table. Four years after joining the company, Sam assumed shared responsibility for the daily management of personnel, client relations and operations. In 2006 Sam took a lead role in management of the company as CEO. He dedicates every day to help reach his team’s dreams of building a path for their career growth as they continually strive to meet and exceed client’s needs and expectations.
Sam, his wife, and children reside in Macomb County. He is highly involved in supporting area non-profit organizations. Sam brought his passion to CIA Insurance and Risk Management which has created an annual Charity Car Show. Each year, the employees select a non-profit to be the benefactor for this event that draws over 300 participants and spectators from the community. 100% of the proceeds go directly to that year’s charity.
As Founder of CIA Insurance and Risk Management, James Kunath brings more than four decades in the Insurance Industry. In 1975, Jim and a partner started CIA Insurance and Risk Management, originally located in East Detroit on 8 Mile. In 1977, the firm moved to St. Clair Shores and then in 1999 to Utica. He planted CIA Insurance and Risk Management in its current location in Shelby Twp. in 2004 where it continues to grow for over 40 years.
Jim truly enjoys meeting and servicing clients as he continues to contribute to the growth of CIA Insurance and Risk Management. He has found great satisfaction in the development of long-term relationships with clients as well as employees.
Jim and his wife reside in Macomb County. In his free time, he enjoys everything automotive. Jim and his wife spend time with car enthusiasts at car shows. He also finds any time possible to visit his daughter in Florida.
At CIA Insurance, we are doing everything we can to keep you up to date on COVID-19. Please check back for up to date resources.Learn More