As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business. Building a long-lasting relationship with our clients is our number one priority.
Steven was born and raised in Montgomery County, graduated in 2001 from West Virginia University and later continued his education at the University of Maryland, where he received his MBA in 2004. After graduating with his MBA, Steven worked in various capacities within the financial services world, including a captive insurance agency, which provided him the foundation for his insurance career. As he gained experience in the captive world and learned the ins and outs of selling insurance, he realized the opportunities available for stronger business growth as an Independent Agent, leading to the formation of his own agency in 2006, Creative Insurance Solutions. Since the formation of CIS, Steven and his team have earned multiple production awards including Top Travelers Maryland New Business leader for 2010-2017. In addition, CIS is the current Agent of the year for Travelers in the Mid-Atlantic Region and was recently nominated to be on the National Producer Council. Steven is married with three sons ranging in age from almost 1 to 8 years.
Dan Garedew is an Insurance Agent with over 7 years of experience in the insurance field. He originally studied to become a Financial Planner but found his passion in Home, Auto, and Business Insurance. Dan is originally from Ohio and attended The Ohio State University School of Business. In his spare time, Dan enjoys traveling, watching classic films, and spending time with friends and family.
Lya Kehn is the newest member of the Creative Insurance Solutions family. She became the Office Manager in September 2013. A graduate of The University of Wisconsin-River Falls, she has worked for over 20 years in both the human services and administrative fields. She is committed to providing the highest level of customer service at CIS. Her hobbies include hiking with her dogs, reading, and playing the guitar.
Lori settled in the Washington Metropolitan Area after graduating from Radford University in 1986. She has primarily worked in the transportation industry since then including several years at the Cabinet level in the Office of the Secretary, Department of Transportation, Peace Corps Director’s Office and retiring from the federal government from Bureau of Transportation Statistics where she was the Associate Director for Administration. Lori went on to raise two children in Northern Virginia before she pursued her Certificate of Travel and Tourism. With this certificate she followed her passion for travel and opened her own travel consulting company. Within a few years she also opened her own bed and breakfast in the Outer Banks, becoming the only waterfront bed and breakfast in the area. With her variety of industry skills and entrepreneurial spirit she entered the personal lines insurance industry in 2016. Seeing the opportunity to work with Steven Bender and his team she quickly joined Creative Insurance Solutions and became an integral part of the team bringing with her years of experience and contacts throughout the Washington Metropolitan Area. Lori currently resides in Washington, D.C. with her chocolate lab, Roxie and travels to Colorado and Virginia Beach to visit her son and daughter whenever possible.
Kristine Ducusin is the newest member of the Creative Insurance Solutions family. She graduated from Fordham University in New York City and spent several years working as a researcher and fact-checker in the magazine industry. Before moving to Maryland, she worked in subsidiary rights at Penguin Random House. She enjoys traveling, reading, going to Zumba classes, and spending time with family and friends.
Victoria came to CIS in July, 2015 with experience in administration, archives, veterinary medicine and natural resources management. She is focused on providing exceptional customer service to our clients. Victoria holds a Bachelor’s degree from the University of Maryland-College Park and a Master of Arts from George Mason University. When out of the office, Victoria can be found spending time with her animals, working on one of her writing projects, or researching topics in folklore and literature.