What does CFH Insurance Consultants actually do?

We are an independent employee benefits consulting firm. We advise employers on group health, dental, vision, life, disability and voluntary benefits - plan design, funding, carrier and renewal negotiation, compliance, and the benefits administration that runs underneath all of it. The work is continuous rather than annual: the renewal is where it becomes visible, but most of it happens in the months either side.

How long have you been in business?

CFH has been operating since 2007. The people here have been in insurance considerably longer than the firm has existed, which is a different claim and worth keeping separate - the firm's own track record starts in 2007. The firm’s incorporation date is a matter of public record with the State of Michigan, if you want to check it.

Where are you, and where do you work?

Our main office is at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, Michigan, with additional offices in Colorado Springs and Houston. Michigan is the home market and where most of the work is, but our licensing follows clients beyond it, which matters when an employer's people are not all in one state.

Are you independent, or owned by a carrier or a national group?

Independent. No carrier owns us and no national brokerage sets what we recommend, which is the whole reason a recommendation from us is worth reading. It is a fair question to ask of anyone advising you on a plan, because the answer determines whether the advice can ever point away from a particular carrier.

What size employers do you work with?

From small groups through the mid-market, and the work looks genuinely different across that range - under fifty the levers are plan design, contributions and carrier; above it your own claims start driving the number and funding becomes a real decision. If you want the version specific to your size, the pages by company size lay out what changes at each band.

What industries do you work in?

A broad mix rather than one niche, with real concentration in a few - manufacturing, health care, professional services, mortgage lending and hospitality among them. Industry matters less than workforce shape: a business with variable-hour staff across several sites has more in common with another business like it than with a competitor in its own sector.

Are you licensed outside Michigan?

Yes. Licensing follows the client rather than the office, which is what allows an employer headquartered here to be served properly when its people are spread across several states. If you have employees somewhere specific, ask us about that state directly - it is a factual question with a factual answer.

What happens in a first conversation?

Twenty to thirty minutes, no proposal. You describe what you have and what the renewal looks like, and we tell you whether the number is in line with what comparable employers are being quoted or whether it is not. If it is fair, we say so. Nothing is sent afterwards unless you ask for it. If you are comparing firms first, how to choose an employee benefits broker in Michigan lists the questions to ask each one.

Do we have to be a client to ask you something?

No. A large part of what we do before anyone signs anything is answering questions from employers who are working something out - a compliance date, a renewal that does not read right, whether an arrangement someone is pitching them is real. If it takes a few minutes, it takes a few minutes.

We are not a third-party administrator. We find, vet and manage the administrators our clients use, which means the administrator answers to somebody on your side of the table rather than to itself. We are licensed insurance brokers, not attorneys or accountants - though CPAs and ERISA attorneys are available to clients through the firm for the questions that need them.

Employee Benefits Consulting Bloomfield Hills

Employee Benefits Insights · March 27, 2026

At CFH Insurance Consultants, we offer a wide range of services designed to meet the evolving needs of businesses in Michigan and beyond.

Key Takeaways

Serving Michigan employers since 2007, CFH combines local market expertise with a client-focused approach to help organizations control benefits costs, stay compliant, and foster a culture of health.

Our commitment to long-term partnerships and exceptional service has made us a preferred choice for companies seeking reliable insurance and benefits guidance.

Our team works closely with you to analyze your current benefits, identify opportunities for improvement, and implement strategies that promote employee wellness while controlling expenses.

CFH Insurance Consultants: Your Trusted Partner in Bloomfield Hills, Michigan

Established in the heart of Bloomfield Hills, Michigan, CFH Insurance Consultants has built a reputation as a premier independent insurance firm dedicated to delivering comprehensive insurance and employee benefits solutions. Serving Michigan employers since 2007, CFH combines local market expertise with a client-focused approach to help organizations control benefits costs, stay compliant, and foster a culture of health.

Our History and Commitment to Michigan Businesses

CFH Insurance Consultants was founded with a vision to provide personalized, strategic insurance consulting tailored to the unique needs of Michigan companies. Over the years, we have grown into a trusted advisor for businesses across various industries, leveraging our deep understanding of the local market and regulatory environment. Our commitment to long-term partnerships and exceptional service has made us a preferred choice for companies seeking reliable insurance and benefits guidance.

Comprehensive Services Tailored to Your Needs

Our expertise spans multiple insurance and benefits areas, ensuring that your organization receives holistic support.

Group Health Insurance Solutions

We specialize in designing and managing group health insurance plans that balance cost efficiency with comprehensive coverage. Our team works closely with you to analyze your current benefits, identify opportunities for improvement, and implement strategies that promote employee wellness while controlling expenses.

Employee Benefits Consulting

Our employee benefits consulting services focus on creating competitive, compliant, and sustainable benefits programs. From health savings accounts (HSAs) and flexible spending accounts (FSAs) to retirement plans and wellness initiatives, we help you craft benefits packages that attract and retain top talent.

Compliance and Risk Management Consulting

Staying compliant with federal and state regulations is essential to avoid costly penalties. Our compliance consulting services include audit preparation, ERISA compliance, ACA reporting, and ongoing regulatory updates. We help you navigate complex legal requirements with confidence and ease.

Industries We Serve

CFH Insurance Consultants proudly serves a diverse range of industries throughout Michigan, including but not limited to:

Manufacturing and Building Materials
Defense and Aerospace Contractors
Healthcare Providers
Professional Services
Retail and Hospitality
Nonprofit Organizations

Our industry-specific knowledge allows us to tailor insurance and benefits solutions that address the unique challenges and opportunities within each sector.

Our Client-Centered Approach

At CFH, we believe that exceptional service is the foundation of lasting client relationships. Our approach is built on several key principles:

Deep Collaboration and Understanding

We immerse ourselves in your business to fully understand your goals, challenges, and culture. This enables us to provide customized strategies that align with your vision and operational needs.

Transparent Communication and Education

We prioritize clear, ongoing communication to ensure you and your employees understand your benefits programs and insurance coverage. Our team provides technical education and resources to empower informed decision-making.

Proactive Risk Management

Rather than simply selling insurance, we act as your risk management advisors. We identify potential risks, recommend mitigation strategies, and help you implement solutions that protect your business and workforce.

Technology Integration

We leverage the latest technology to streamline benefits administration and enhance alignment between HR and management. Our expertise ensures your technology supports your strategic goals effectively.

Michigan Market Expertise

Operating from Bloomfield Hills, CFH Insurance Consultants has an intimate knowledge of Michigan’s regulatory landscape, economic environment, and workforce dynamics. This local expertise allows us to anticipate market trends, regulatory changes, and emerging risks that impact your business. We use this insight to keep you ahead of the curve and compliant with all applicable laws.

Why Choose CFH Insurance Consultants?

Choosing the right insurance consultant is critical to your company’s success. Here’s why CFH stands out:

Independent Since 2007: Proven expertise in employee benefits for Michigan employers.
Dedicated Support: A team of specialists including CPAs, HR experts, and attorneys.
24/7 Availability: Around-the-clock support to address your questions and concerns.
Customized Solutions: Tailored strategies that fit your unique business needs and goals.

Our Proven Process for Success

Initial Assessment: We analyze your current insurance and benefits programs to identify strengths and areas for improvement.
Strategic Planning: Collaborate with your team to develop actionable plans that reduce risk, control costs, and enhance employee satisfaction.
Implementation: Execute changes with clear communication and training to ensure smooth transitions.
Ongoing Support: Provide continuous monitoring, compliance updates, and adjustments to keep your programs effective and aligned with your goals.

Get in Touch for a Free Consultation

Ready to take control of your employee benefits and insurance programs? Contact CFH Insurance Consultants today to schedule a free consultation. Our experts are here to help you navigate the complexities of insurance and compliance with confidence.

Latest Insights and Industry News

Corporate Healthcare Compliance

Healthcare compliance laws are designed to ensure that organizations meet regulatory standards and protect employee health benefits. Staying informed and compliant is critical to avoid penalties and maintain a healthy workforce.

How Can a Group Health Insurance Broker Assist Your Company?

Group health insurance brokers play a vital role in helping companies navigate complex insurance markets, negotiate competitive rates, and design benefits packages that meet employee needs while controlling costs.

How to Select a Benefits Administration System

Choosing the right benefits administration system is essential for efficient management of employee benefits. We guide you through evaluating options that integrate seamlessly with your HR processes and support compliance requirements.

Questions We Get

The questions employers ask us most are answered in full on our resources page.

Unhappy with your current broker? Switch to CFH. Your employees won’t notice. You will.

CFH

CFH Insurance Consultants is an independent employee benefits consulting firm. We help employers manage cost, compliance and renewals, and we work in teams for proper coverage of every account.

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CFH Insurance Consultants