About Us

“I have most appreciated the long-term relationships that we have developed with the CMI staff. These relationships have enabled us to problem solve in partnership together, and I have tremendous confidence in the decisions that we make as a result of our relationship.”

Al Kaul, Vice President of
Service Excellence

Lutheran Homes of Michigan

Who We Are

Since 1985, Citizens Management Inc. (CMI) has been a service company to assist employers in setting up and maintaining their own workers’ compensation programs.  Now one of the largest service companies in the Midwest, offering Third-Party Administration (TPA) for workers’ compensation and disability programs for self-insured employers and group programs. The diversity of our clients is an example of our ability to tailor our service capabilities to the individual customers’ business needs.  Our customer list includes governmental (state, city and county), public school systems, auto suppliers, beverage distributors, retail, plastics industry, food industry, health care industry, and metals industry, to name a few. Our emphasis is a team approach, working with our clients to improve safety and contain claims costs.

Our goal is to help self-insured businesses achieve the lowest workers’ compensation costs possible. Our customers have everyday business decisions that affect their workplace. Their business can change based on the economy, personal circumstances, and other elements that affect the workplace by accident or by chance.  It is in these critical times that CMI helps our customers to prevent, preserve and recover by providing stability, quality, knowledge, responsiveness, and innovation in its services of underwriting, claims, loss prevention, and support systems.

CMI is unique among service companies in that we offer flexible in-house excess coverage, along with claim administration, loss prevention, surety bonds and medical cost containment. We are the one solution for all your workers’ compensation administration needs.

CMI is backed by the financial strength of Citizens Insurance, which is rated “A-“ by A.M. Best Company, and The Hanover Insurance Group, a Fortune 500 insurance and financial services company.

CMI offers advantages unique to service companies in workers’ compensation and disability administration. Let our performance help you manage your insurance risks and costs.