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Meet Our Team

  • Sam Crudo

    Chief Executive Officer
    Office: 586-799-6050
    Fax: 586-799-6019
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Certified Risk Manager (CRM) designation
    • Certified Insurance Counselor (CIC) designation
    • Property, Casualty, Life, Accident and Health License through the State of Michigan
    • Series 6 and 66 securities registrations with the Financial Industry Regulatory Authority (FINRA)

     

    PROFESSIONAL AFFILIATIONS

    • Michigan Manufacturing Association
    • Michigan Professional Insurance Agents Association
    • Michigan Association of Insurance Agents
    • National Association of Health Underwriters
    • Member Knights of Columbus

     

    LEADERSHIP PLATFORM

    • Provides risk management, and executive training in many areas of leadership
    • Mastery in Noise Reduction Executive Management training program
    • Chair Member, CIA Insurance and Risk Management Charity Car Show Committee
    • Member, CIA Insurance and Risk Management Green Team
  • James Kunath

    Founder
    Office: 586-799-6040
    Fax: 586-799-6012
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Property, casualty, life, accident and health license through the State of Michigan
    • Paul Harris Achievement Award, International Rotary Club

     

    PROFESSIONAL AFFILIATIONS

    • Board of Directors, Integrated Living
    • Former President, St. Clair Shores Rotary Club
    • Former President, St. Clair Shores Kiwanis Club
  • Sophia Najjar

    Vice President
    Commercial Risk Management (CRM)
    Office: 586-799-6047
    Fax: 586-799-6059
    45600 Village Blvd.
    Shelby Township MI 48315
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    Sophia Najjar joined CIA Insurance and Risk Management in 2008. She focuses on loss control and risk management for medium and large size companies where she leverages CIA Insurance and Risk Management’s unique 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 has immersed herself in the health care industry and developed many lasting relationships. She is an active member in several health care associations. She is in the process of obtaining her Certified Insurance Counselor (CIC) designation.

    Sophia and her family reside in Macomb County. While away from work, she enjoys spending time with her big family, including her mom and 3 sisters. Being outside taking long walks or find a quiet time to read are also ways Sophia reenergizes herself.

    ACCREDITATIONS

    • Professional Work Comp Account Manager (PWCAM) Designation
    • Property, Casualty, Life, Accident and Health license through the State of Michigan

     

    PROFESSIONAL AFFILIATIONS

    • Health Care Association of Michigan (HCAM)
    • Michigan Center for Assisted Living (MCAL)
    • Leading Age of Michigan
    • Michigan Association for Home Care
    • SCAN II
    • Michigan Association of Independent Agents
    • InCite Performance Group

     

    LEADERSHIP PLATFORM

    • Published “The Risk and Cost of Employee Turnover on Quality of Care” in Promoting Excellence, Spring 2015
    • Featured speaker at HCAM/MCAL Spring Leadership Conference, March 2015
    • Featured speaker at Michigan Association for Home Care Annual Conference, May 2015
    • Featured speaker at Leading Age Annual Conference, May 2015
    • Featured speaker at Leading Age Leadership Institute, August 2015
  • Janelle Morck

    Vice President
    Employee Benefits Risk Management (ERM)
    Office: 586-799-6052
    Fax: 586-484-2888
    45600 Village Blvd.
    Shelby Township MI 48315
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    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, her husband, and dog, Cali, reside in Oakland County. In her free time, she enjoys traveling and trying new restaurants.

    ACCREDITATIONS

    • Life, Accident, Health, Property, and Casualty license through the State of Michigan
    • Affordable Care Act Certification (ACA), National Association of Health Underwriters (NAHU)
    • Bachelors in Business Administration, Walsh College

     

    PROFESSIONAL AFFILIATIONS

    • Incite Performance Group
    • Walsh College Alumni Association

     

    LEADERSHIP PLATFORM

    • Board Member, Judson Center
    • Co-Chair, Judson Center’s Young Leaders Board
    • Member, Education Committee for SHRM (Society of Human Resource Management), Detroit Chapter
    • Member, CIA Insurance and Risk Management Charity Car Show Committee
  • Timothy Murray

    Commercial Risk Advisor
    Commercial Risk Management (CRM)
    Office: 586-799-6033
    Mobile: 586-871-0062
    Fax: 586-799-6017
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.
     

    ACCREDITATIONS

    • Property and Casualty Insurance License through the State of Michigan
    • Bachelor of Arts degree in Communication from Wayne State University

     

    PROFESSIONAL AFFILIATIONS

    • Wayne State University Alumni Association
  • Michael Rutkowski

    Commercial Risk Advisor
    Commercial Risk Management (CRM)
    Office: (586) 799-6010
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    Mike joined CIA Insurance and risk Management in 2018, bringing with him 10 years of risk management experience. He specializes in guiding businesses owners toward protecting their assets and employees through a holistic risk management approach, knowing that an organization is only as secure as its weakest link.

    Additionally, Mike brings valuable experience in the area of business continuation planning, focusing on key-person agreements, buy-sell agreements, and personal life insurance.

    Accreditations and Affiliations:

    • NAIFA Life Underwriter Training Council Fellow (LUTCF)
    • Anchor Bay Angels Baseball Club Board Member

  • Anna Angotti-Portell

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: 586-799-6031
    Fax: 586-799-6004
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Certified Insurance Service Representative (CISR) designation
    • Certified Professional Insurance Agent (CPIA) designation
    • Property and Casualty Insurance License through the State of Michigan
    • Bachelor of Science in Liberal Arts, Michigan State University

     

    PROFESSIONAL AFFILIATIONS

    • Michigan Association of Insurance Agents (MAIA)
    • Incite Performance Group
    • Committee Member, CIA Insurance and Risk Management Charity Car Show Committee

     

    LEADERSHIP PLATFORM

    • Member, CIA Insurance and Risk Management Green Team
  • Terry Hackett

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: 586-799-6034
    Fax: 586-799-6007
    45600 Village Blvd.
    Shelby Township MI 48315
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    Terry joined the CIA Insurance and Risk Management in 2001 as a Personal Risk Advisor. She brings more than 40 years of experience in the insurance industry. She maintains client relationships and performs both sales and service for the Personal Lines book of business. Terry is currently our leading sales producer in Personal Lines.

    Terry resides in Macomb County. In her free time, she enjoys reading mystery novels and walking her dog, Mollie.

    ACCREDITATIONS

    • Certified Insurance Representative (CISR) designation
    • Property and Casualty Insurance License through the State of Michigan

     

    PROFESSIONAL AFFILIATIONS

    • Michigan Association of Insurance Agents (MAIA)
    • Incite Performance Group

     

    LEADERSHIP PLATFORM

    • Member, CIA Insurance and Risk Management Charity Committee
  • Christa Jannetta

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: (586) 799-6030
    Fax: 586-799-6029
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.  

    ACCREDITATIONS:

    • Property, Casualty, Life, and Health license through the State of Michigan
    • Associate Degree in Marketing, Macomb Community College
  • Liz Zielinski

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: (586) 799-6032
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Bachelor of Health Sciences, Oakland University
     

  • Jeanine Bruwier

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: 586-799-6044
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS:

    • Property and Casualty license through the State of Michigan
    • CISR (Certified Insurance Service Representative) designation
    • CAWC (Certified Authority on Worker’s Compensation) designation
    • Bachelors of Business Administration, Baker College
  • Tonia Lafriniere

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: (586) 799-6037
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    •Property and Casualty License through the State of Michigan

  • Linda Majeske

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: (586) 799-6041
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • CIC (Certified Insurance Counselor) designation
    • CISR (Certified Insurance Service Representative) designation
    • Associates Degree in Business Management, Baker College

  • Amanda Pipesh

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: (586)799-6036
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Bachelor of Business Administration, Rochester College
    • CISR (Certified Insurance Service Representative) designation
     

  • Ashley Plotzke

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: 586-799-6045
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    ·         MSU Bachelors in Communication Art and Sciences-2014

  • Melissa del Rio

    Client Service Representative
    Commercial Risk Management (CRM)
    Office: 586-799-6042
    Fax: 586-799-6039
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Property and Casualty License through the State of Michigan
  • Jacqueline Barraco

    Account Administrator
    Employee Benefits Risk Management (ERM)
    Office: 586-799-6053
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Life, Accident, and Health license through the State of Michigan.
    • Bachelors of Arts in Latin, Hillsdale College
  • Tiffanie Underwood

    Client Account Manager
    Employee Benefits Risk Management (ERM)
    Office: 586-799-6051
    Fax: 586-799-6025
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Variable Life, Accident and Health License in the State of Michigan
    • Series 6 and Series 63
  • Kelly Lewis

    Administrative Assistant
    Employee Benefits Risk Management (ERM)
    Office: 586-799-6048
    Fax: 586-799-6023
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

  • Anne Hoffman

    Accounting
    Office: 586-799-6011
    Fax: 586-799-6009
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Bachelors of Science in Business, Wayne State University

     

    LEADERSHIP PLATFORM

    • Member, CIA Insurance and Risk Management Charity Committee
  • Melissa Leath

    Administrative Assistant
    Office: 586-799-6035
    Fax: 586-799-6027
    45600 Village Blvd.
    Shelby Township MI 48315
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    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.

    ACCREDITATIONS

    • Property and Casualty License through the State of Michigan
    • Bachelor of Science degree in Finance, Wayne State University
  • Jessica Smith

    Client Experience Coordinator
    Office: (586)799-6000
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
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