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Personal Risk Management

Are you adequately prepared to protect your home, family, business, or personal property? How do you know if you have the right coverage at the right price?

CIA Insurance and Risk Management can help you protect the things that matter most to you. Since we represent multiple companies, we are positioned to provide you with the maximum choice of coverages and benefits for the most competitive price and work with you to take advantage of the many available discounts.

Licensed in the State of Michigan, our Personal Risk Advisors begin by assessing your situation and needs. We draw upon our experience and our disciplined process to make prudent recommendations and identify the best carriers possible to meet your needs and bottom line. We review your policy at every renewal to verify you are still receiving the best coverage for the best price. And, we will be your advocate to assure you receive superior claims service on an ongoing basis.

Because we offer a wide range of services under one roof, you are able to take care of all your risk management needs in one location.


New Car

  • Purchasing new car
  • Multi car policies

If you want to register and operate a vehicle in the State of Michigan, the law requires that the car be insured. The law spells out the minimum amounts of coverage required and sets up a “No-Fault” system for providing benefits. But — and this could be important to you — what the law requires doesn’t cover every possible loss connected with car ownership. Protect yourself against these additional exposures by consulting with our Personal Risk Advisors to be sure you have the coverage you need.


New Home

  • Purchasing new home
  • Move into apartment
  • Flood insurance

Homeowners Insurance covers your home on a “replacement cost” basis, including your garage and your personal property (i.e. furniture, clothing, and other family possessions). We will work with you to tailor your Homeowners Insurance Policy to precisely fit your specific needs.


Getting Married/Building Family

  • Marriage policy
  • Schedule jewelry appraisal
  • Having children
  • Review life insurance

With such a big step in your life, be sure you are covering the most valuable possessions you have—your family. Our Personal Risk Advisors can guide to in ensuring you have the appropriate coverage as you grow your family and protect your legacy.


Change From One Phase of Life to Another

  • Child gets driver’s license, add to auto policy
  • Good student discount
  • Special events
  • Coverage for child in college
  • Retirement
  • Work loss review
  • Downsizing home
  • Evaluate miles driven
  • Nursing home renters policy

An inexpensive, yet effective, solution to protect your assets is to have a Personal Umbrella Liability policy. A Personal Umbrella Liability policy offers coverage to help protect your assets from the risk of costly lawsuits that may result from personal injury or property damage. This coverage is over and above what your auto and homeowners policies would provide for personal liability settlements and defense costs.


Recreational Coverage

  • Boat/camper/recreational vehicle insurance

(Recreational coverage) Whether your hobby consists of boating, snowmobiling, or traveling in your Recreational Vehicle, you have made a substantial investment. We work with you to obtain the coverage you need, including On-Water Towing for boaters, Emergency Vacation Expense and Vacation liability for RVers, and Flatbed Towing for your classic car.


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.