About Us
Testimonials
With 20 years of successful workers’ compensation insurance programs, we’ve attracted a loyal group of clients. These businesses have enjoyed the benefits provided by our expert teams constantly working to achieve our clients’ objectives. We’re happy to share comments from a representative group of clients.
“Over the last fifteen years I have had numerous occasions to work with the Citizens Management Inc. (CMI) organization, and have participated on their Client/Agents Advisory Council for several terms. As an independent agent, I currently have four accounts with CMI/Citizens. They have been very responsive to my needs as an agent/consultant, as well as providing outstanding claim management and loss prevention services to my clients. They are the State of Michigan’s leading Third Party Administrator (TPA) for Workers’ Compensation, and they have continued to respond to agents and clients needs in a first rate manner. From their top management team on down they are dedicated to continue to be the best TPA option for independent agents/brokers and their clients. In addition to the exceptional TPA service they provide, they also can provide their excess insurance program, which is competitive, stable (with multi-year terms), and has practical retentions for our smaller self-insured clients.”
Tom Zuellig
Partner
Emil Rummel Agency, Inc.
“The Citizens Management team of the account manager and adjusters have always been helpful beyond expectations. Their knowledge and willingness to work through each individual claim has helped us get the best results for all parties involved. Citizens Management is a big part of our winning team for workers compensation claim management!”
Jennifer Anderson
W/C –Disability Specialist
Dickinson County Healthcare System
“We’ve developed excellent relationships with many of the Citizens Management professionals, and especially appreciate their responsiveness to how we want to manage workers’ compensation at our company. The CMI team has assisted us in developing safety improvements, ergonomic practices, and an excellent Return-to-Work program. They know that we want our employees treated with individual respect and support, never promoting an adversarial atmosphere in potentially difficult situations. We trust our claims adjusters to professionally and respectfully treat each situation with proactive management steps for better managing costs and outcomes.”
Susanne Clausnitzer, SPHR
Director of Human Resources
Malloy, Inc.
“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
“CMI has been our Excess provider and TPA for our company for over 16 years. We have renewed with them time and time again because they cater to our needs. Most insurance companies are very structured and rigid and show no flexibility. CMI takes a personal approach that fits in well with our style.”
Guy Miele
Director of Human Resources
AJM Packaging Corp.
“Citizens Management Inc. has been our TPA for over 12 years and I would describe our experience with CMI as extremely positive with their stability of personnel and very high customer service standards. The entire team of adjusters, loss prevention consultants, underwriting and risk management services has always provided outstanding professional service, knowledge and guidance to our corporation. Our adjusters are very responsive to phone calls and I have total confidence that our claims are being handled correctly according to the law and state regulations. We rely on CMI to guide us through circumstances unique to our industry.”
Rhea Bartels
Human Resources Manager
Bavarian Inn Restaurant
“Throughout the years our partnership with CMI has been of immeasurable value by their professionalism, expertise in workers’ compensation, and their responsiveness to our business needs. The adjusters and loss prevention consultants have true concern for the well being of our employees. No employee concern or problem is too big or too small for CMI.”
Sheryl Lalonde
Human Resources Manager
Pine River Plastics, Inc.
“Several years ago we left the privilege of self-insurance for the standard workers’ compensation coverage. In less than one year it was realized the saving opportunities provided in self insurance by having CMI as our TPA and Citizens for Excess coverage. In over 13 years our partnership with CMI has provided us with measurable savings. Their service is tailored to meet the specific needs of our organization with safety training seminars, ergonomic analysis and hazard recognition surveys. We partner to have monthly claim review sessions which are extremely beneficial for updates leading us to decisions for appropriate actions to resolve claims quickly. In summary CMI has provided us with a dedication to customer service.”
Joe Baker
Chief Financial Officer
Moeller Manufacturing Co.
“Over the last ten years I have had numerous occasions to work with the Citizens Management Inc. (CMI) organization, both as a retail agent and as a broker. They have been very responsive to my needs as a consultant, as well as an outstanding service organization once one of my clients has contracted with them. Even as the State of Michigan’s leading Third Party Administrator (TPA) for Workers’ Compensation, they have remained aggressive and progressive in terms of their services to their clients and independent agents. Their dedicated claim teams provide aggressive claims management to our mutual self-insured clients. From their top management on down they are dedicated to continue to be a great TPA option for independent agents/brokers and their clients. In addition to the exceptional TPA service, they also can provide their excess insurance program, which is innovative, stable, and competitive.”
Mike Rothermel, CIC, ARM
Senior Vice President
Van Wyk Risk Financial Management
“Our current target market is the self-insured worker’s compensation market. We specifically target clients that are new to the self-insured arena. With this in mind it was imperative that we partner with an experienced and responsive Third Party Administrator. CMI has been very responsive to our client’s needs for a competitive approach to their self-insurance questions and concerns. CMI provides to its agents and clients a complete array of services: Assistance with the state application, cash-flow and break-even exhibits, a dedicated and experienced claims team, loss prevention and industrial hygiene services, and excess insurance that is both competitive and has reasonable retentions for our client’s protection.”
“We have experienced a great deal of success with CMI. We feel the partnership has exhibited to our clients the knowledge and professionalism that we demand.”
Jill Rogala, CIC
Account Executive – Business Insurance
Neace Lukens
“Adjusting claims for a self-insured group is no easy task. An adjuster must be prepared to report to several board members on a frequent basis. CMI's lower caseload per adjuster has allowed our adjuster to remain involved with every case and be able to report to the Board with concise and well thought out plans of action.”
Mark Sledzinski
Group Fund Administrator
Metalworking Industries of Michigan
Worker’s Compensation Fund
“As a group fund administrator for many self-insured groups, I have seen some pretty complex claims—claims that had the potential of being very costly. However, through the proactive actions and communication of the staff at CMI, these claims were managed and controlled so the ultimate cost was much less than originally estimated.”
Tim Hanna
Regency Administrators
“On several occasions CMI provided detailed charts, graphs, and comparison studies of injuries specific to our corporation. Trend analysis, affected body parts, most frequent types of injuries became apparent and provided focus in our attempt to remain profitable. CMI has the staff and experience that has enabled us to identify opportunities for a future state.”
Mark Stratton
Director of Safety
Lacks Enterprises