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Commercial Risk Management

Disruptions to your business can be costly, but few businesses understand their total cost of risk when faced with a situation that threatens business continuity. At CIA Insurance and Risk Management our goal is to help you protect all aspects of your investment in your business. The experienced professionals in our Business Risk Management division take the time to understand your business and what drives costs for our clients. We apply our unique process to identifying and managing all key elements that drive your organization’s total cost of risk and provide comprehensive solutions in the following areas:


Starting a New Business

  • Business risk analysis
  • Cash management
  • Rent/purchase storefront/property
  • Review lease
  • Purchase equipment


Attracting Talented Employees

  • Risk analysis for employees
  • Group medical insurance
  • Employee benefits program
  • Manage workplace injuries
  • Develop retirement plan (401k, IRA)
  • Fiduciary liability
  • Employment Practices Liability Insurance (EPLI)
  • Sexual harassment policies
  • Personal development programs/training

Risk analysis for employees - CIA Insurance and Risk Management helps entrepreneurs take control of their business and their future by addressing key issues, including employee benefits, personnel hiring and retention, operations and structure, and financial management.

Manage Workplace Injuries - This coverage provides prompt payment of wage-loss benefits and medical treatment to the employee’s “exclusive remedy” to offset the paid and lost time of a work-related injury or illness. Employers who may be exempt can find that voluntarily providing workers’ compensation benefits is the best way to protect workers and the business against the cost of work-related injuries.

EPLI - is a liability policy designed to cover wrongful acts arising from the employment process. All EPLI insurance policies are different so it's important that you understand how coverage can vary from policy to policy.

Business Risk Analysis - Designed to combine protection from all major property and liability risks, including business property, business interruption, and liability.

The flexibility of the Package Policy allows CIA Insurance and Risk Management to provide much needed protection for a broad range of businesses. We service policyholders in mercantile, service, processing, office, manufacturing, wholesale, and other non-residential fields.


Purchase Vehicles

  • Auto/Fleet insurance
  • Driver Safety courses
  • Motor vehicle reports management

Auto/fleet insurance - Commercial auto insurance with a wide variety of coverages for vehicles and drivers. This policy also covers liability for the company of hired or non-owned vehicles while being used by a representative of the company.


Promoting Your Business

  • Special Event policies

Special event policies - If you are having a public event whether a wedding and reception or a festival you need the protection of Special Event Insurance. Our Event Liability Insurance is designed to protect the policyholder against lawsuits, claims made related to bodily injury of others, and property damage to the rented premise. We provide Special Event Liability Insurance through our Commercial General Liability (CGL) policy, often called Spectator or Public Liability Insurance, which satisfies the requirements of most rental locations.


Earning Larger Contracts

  • Umbrella policies (Higher liability requirements)
  • Cyber liability
  • Data breach

Umbrella policies - When losses exceed the coverage limits of standard Business Auto, Business Owners, or Package Policies, Umbrella Policies take effect to cover the balance. A great deal of coverage is provided through an Umbrella policy for a comparatively minimal premium.


Develop Perpetuation Plan

  • Key Man insurance

Key Man insurance - Key person insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business--the ones whose absence would sink the company. You definitely need to consider key person insurance on those people.


Purchasing Business Property

  • Opening multiple locations / property insurance


Executive Management Team

  • Kidnapping/ransom insurance
  • Investment management planning3
  • Travel insurance
  • Funded Buy/Sell Agreement

Kidnapping/ransom insurance - Often bought by international corporations to cover employees.

Funded B/S Agreement - Also known as a Buyout Agreement, a Buy/Sell Agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business. Ensure the business you built is covered for unforeseen circumstances.


Our Location

CIA Insurance & Risk Management

45600 Village Blvd.
Shelby Township, MI 48315
Main office: 586-799-6000
Toll free: 888-226-7730
Fax: 586-532-8300

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.