Give us a call
586.799.6000


Meet Our Team

  • Sam Crudo

    Chief Executive Officer
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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

    Benefits Risk Advisor
    Employee Benefits Risk Management (ERM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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
  • Jill Allison

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    Jill Allison joined the CIA Insurance team in July of 2016 but has been providing excellent customer service to Commercial Lines clients for over 20 years.  Jill takes great pride in working with her clients and finding the best insurance program to fit their needs.

    ACCREDITATIONS

    • Working towards her CISR (Certified Insurance Service Representative) designation
    • Holds a Property and Casualty license in the State of Michigan.
  • Anna Angotti-Portell

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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
  • Jacqueline Barraco

    Account Administrator
    Employee Benefits Risk Management (ERM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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
  • Robert Beason

    Operations Manager
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    Bob Beason joined CIA Insurance and Risk Management as a Financial Services intern in 2013. In 2014 he became a full-time member of the Financial Services team. In 2016 he transitioned to the Employee Benefits team, where he maintains the process organization and client data management for the team.

    Bob volunteers as the Director of Young Adults Ministry at his home church. He also enjoys spending time with his wife and two kids, reading, and playing tabletop games.

    ACCREDITATIONS

    • Life, Accident, and Health license through the State of Michigan
    • Bachelors in Business Administration, Baker College

    LEADERSHIP PLATFORM

    • Member, CIA Insurance and Risk Management Fun Committee
  • Terry Hackett

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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
  • Anne Hoffman

    Accounting
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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 Coordinator
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    In 2015, Melissa Leath 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 administrative support to the accounting and personal risk management departments. Currently, she is working towards her Property and Casualty license in the State of Michigan.

    ACCREDITATIONS

    • Bachelor of Science degree in Finance, Wayne State University
  • Sandra Lukas

    Personal Risk Advisor
    Personal Risk Management (PRM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    Sandra Lukas has 10 years of experience in the insurance industry. She joined with CIA Insurance and Risk Management in 2016 to provide quality service to our clients and policy holders. Sandra works with our Personal Risk Management team to create a remarkable, client-focused experience. Prior to joining CIA Insurance and Risk Management, Sandra owned and operated an agency in the Macomb county area.

    ACCREDITATIONS

    • Property and Casualty & Health and Life Licenses in the State of Michigan
  • Tiffanie Underwood

    Client Account Manager
    Employee Benefits Risk Management (ERM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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
  • Brandy Miracle

    Client Account Manager
    Commercial Risk Management (CRM)
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    Brandy Miracle started at CIA in February 2017.  She has worked diligently in the Insurance industry off and on for the last twenty years. Brandy initially started on the brokerage side and then switched to a commercial account manager role because of her passion to work with her clients.

    Outside of CIA, Brandy loves to coach gymnastics for toddlers to age 6.  Art also plays a large role in her life; so much so that Brandy is working on her Masters in African History.

  • Melissa del Rio

    Client Experience Coordinator
    Office: 586-218-3091
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    Melissa del Rio is our Client Experience Coordinator. Not only is she 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.

  • Christa Jannetta

    Personal Risk Advisor - Personal Risk Management
    Office: (586) 799-6030
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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

  • Jeannine Brewier

    Client Account Manager, Commercial Risk Management
    Office: 586-799-6044
    Fax: 586-532-8300
    45600 Village Blvd.
    Shelby Township MI 48315
    Get Directions >>

    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