Niche products relevant to today’s changing markets
Meet Stephanie Najor | Founder, CAWC
Since 2008, Stephanie Najor has served as a trusted Business Risk Management Consultant, helping Michigan business owners identify, evaluate, and manage the risks that can impact their operations, employees, and financial future. Rather than taking a transactional approach, Stephanie works alongside her clients as a strategic advisor, developing customized solutions that protect businesses, strengthen their workforce, and improve long term financial performance.
Stephanie believes that effective risk management extends far beyond purchasing an insurance policy. It requires understanding a company's operations, identifying potential exposures, improving employee benefits, controlling costs, and implementing strategies that support long term growth. Her role is to help business owners make informed decisions by bringing together the right resources, expertise, and solutions for each unique situation.
Stephanie serves as a single point of contact for business owners, coordinating commercial insurance, employee benefits, HR outsourcing, and cost saving strategies so clients receive integrated advice rather than fragmented solutions from multiple vendors.
Stephanie consults with employers on Section 125 compliant pretax employee benefit strategies through Ensura Benefits. These programs are designed to enhance employee benefit offerings while creating measurable payroll tax savings for employers. By implementing qualified pretax benefit plans, businesses may reduce FICA payroll taxes while employees gain access to valuable supplemental benefits that can include virtual primary and urgent care, behavioral health support, prescription savings, advocacy services, wellness resources, and other everyday healthcare benefits. These programs are structured to comply with applicable IRS Section 125 cafeteria plan requirements and are designed to integrate seamlessly with an employer's existing benefits package.
Through her affiliation with Tropolis Insurance in Northville, Stephanie brokers commercial property and casualty insurance solutions tailored to each client's unique risk profile. She also partners with CoStaff in Royal Oak to provide employee benefits, Professional Employer Organization (PEO) services, payroll administration, HR outsourcing, and compliance solutions that help employers attract and retain quality employees while reducing administrative burdens.
Stephanie's philosophy is simple: every recommendation should create value. Whether that means strengthening insurance protection, improving employee benefits, reducing payroll tax liability, streamlining HR administration, or helping a business prepare for future growth, her objective is to provide thoughtful, practical solutions that align with each client's goals.
By combining commercial insurance, employee benefits, HR outsourcing, payroll tax strategies, and risk management consulting, Stephanie provides business owners with a comprehensive approach to protecting their organizations while positioning them for long term success.
PRODUCTS & SERVICES
Group Benefits & HR Solutions
Worker’s Compensation
Health, Vision & Dental, Group Life
Payroll Service Placement
COBRA Administration
Human Resource Admin
Personal Lines
Home, Auto & Umbrella
Watercraft & Recreational
High Net Worth
Commercial Lines
Commercial Umbrella
Professional Liability
EPLI
E&O / D&O