2012 · Insurance · Risk · Financial protection

Aboriginal Insurance Services

Protect what your community has built.

Protecting Communities. Supporting Self-Determination. Preserving Futures.

AIS is the regulated protection and risk-transfer company. It develops and administers insurance, bonding, risk financing, claims advocacy and financial-protection solutions for First Nations governments, housing, infrastructure, businesses, trusts, health and wellness organisations, social programmes and major projects.

Protection · Founded 2012

What we protect

A community is more than the buildings you can see.

A community is the home where a family starts its day. The school where children learn. The water system people depend on without thinking about it. The health centre, the fire hall, the roads, the businesses — and the people who keep everything moving.

Together, these things make daily life possible. Behind them are years of decisions, investment, work and hope. They are worth protecting.

That sounds simple. But for many First Nations, protection has never been simple.

Aboriginal Insurance Services

Protection built around the community

When one community asset is damaged or lost, the effect is felt across the whole community. The loss of one building can mean the temporary loss of services, employment, education or healthcare alongside it.

Traditional insurance was built around municipalities and privately owned property — not reserve land structures, First Nations governance, or the reality of rebuilding hundreds of kilometres from contractors and materials.

Instead of asking communities to adapt to the insurance industry, AIS helps the insurance industry understand First Nations communities.

Where every engagement begins

AIS does not begin by selecting a policy. It begins by understanding the Nation:

What does the Nation own, and what services does it provide?
Which buildings and operations are essential?
What risks exist, and what insurance is already in place?
Where are the gaps — and what is planned next?

Protection extends to individuals, families, Chiefs and Council, executives, and the people whose work keeps the community running.

Only once that picture is understood can meaningful protection be developed.

Aboriginal Insurance Services

More than a renewal once a year

AIS supports insurance reviews, underwriting, policy administration, risk information, claims management and recovery coordination.

Through the wider network, insurance connects with practical risk reduction, community assessments and local recovery support — so rebuilding activity, employment and knowledge stay closer to the community.

Fourteen years of protection

150+

First Nations governments and organisations served

350,000+

community members represented

$5 billion+

in community assets protected

$40 million+

returned to shareholder communities through profit sharing since 2012

Billions

in construction and infrastructure projects insured

Thousands

of homes insured · thousands of employees protected

Hundreds

of Chief and Council and executive leadership teams supported

Your Nation is not a standard risk. Your community is not a category on an insurance form. Its people, operations, history and future deserve to be understood.

Insurance does not begin when a policy is issued — and recovery does not begin when a claim is filed.

Beyond protection

A framework for growth

Protection alone is no longer enough. As communities assume greater responsibility through service transfer, self-government, administrative autonomy, and direct programme delivery, new questions emerge:

Does the Nation have the governance systems to support expanded responsibilities?
Are service delivery risks understood and documented?
Are emergency management and recovery frameworks in place?
Is infrastructure being properly maintained and protected?
Are cyber risks being addressed?
Are investments and development projects positioned for long-term success?

These questions require more than an insurance policy. They require a framework.

The bridge

Protecting the building means protecting what happens inside it

AIS works to create a bridge between First Nations communities and the insurance world. On one side is the Nation — its people, priorities, assets and plans. On the other are insurers, underwriters and partners who need to understand that story clearly.

AIS brings those worlds together. Not by changing the community — by helping the system see the community more clearly.

A building is no longer just an address on a schedule. It is where children learn. Where Elders gather. Where people receive care. Where jobs are created.

Insurance becomes about continuity: keeping people safe, keeping services moving, helping businesses recover, protecting years of community investment.

Because your Nation is not a number on an insurance form.

Services

What AIS does

Property and infrastructure

Primary property

Community buildings, housing, schools, health facilities, water and wastewater systems, fire halls, band assets and infrastructure, rated to a maintained statement of values.

Excess property

Additional limits above primary placements for larger total insured values and significant infrastructure portfolios.

Boiler and machinery / equipment breakdown

Water treatment, heating, mechanical systems, solar installations, backup power and critical operational equipment.

Museum and cultural assets

Collections, archives and cultural property, written for the reality that some community assets are irreplaceable.

Liability and governance

Commercial general liability

Community operations, services, facilities and public activity.

Municipal liability

The governmental functions a First Nation performs that commercial forms do not contemplate.

Miscellaneous professional liability

Professional and advisory exposures, including abuse and specialised practitioner extensions.

Umbrella liability

Additional limits above primary liability policies, structured by exposure and population.

Directors and officers, including employment practices

Chiefs, Councils, boards, directors and officers making decisions on behalf of the community.

Cyber liability

Community data, membership information and administrative systems.

Crime and fidelity

Employee dishonesty and financial loss exposures across community entities.

Legal expense

Reimbursement programmes supporting governance and administration.

Environmental impairment liability

Fuel storage, contamination and pollution exposures, rated by tank count and volume.

Projects, fleet and people

Course of construction

Project-specific protection from planning and financing through construction, commissioning and occupancy, with on-reserve eligibility criteria written into the programme.