Our services
Everything the family does, in one place
Each service belongs to the company that delivers it. Select any service to read more about it.
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.
Wrap-up liability
Large project and capital construction liability across owner, contractors and trades.
Indigenous bonding
Bonding structures and support for qualifying Indigenous contractors and Nation-owned enterprises.
Commercial automobile and fleet
Community fleets, emergency units, public works vehicles, buses, heavy equipment and garage operations.
Accident and health, and AD&D
Chiefs and Councils, boards, employees, volunteers, fishers and captains, and participants, rated by class rather than one blunt schedule.
Critical illness
Employee and family coverage for community organisations.
Business travel accident
Members and staff travelling on community and programme business.
Student and participant accident
Children in day care and educational centres, and participants in community programmes.
Creditor protection
Life, critical illness, disability and job-loss protection attached to mortgages, housing and business financing.
Sports accident
Teams, leagues and community events.
Community programmes
Housing Trust
Treats community housing as a strategic portfolio rather than a collection of isolated buildings, linking protection, claims experience, asset information, retained-risk concepts, rent-to-own pathways and long-term sustainability.
Holistic Healing
Specialised protection for Indigenous healing centres, wellness organisations, mental health and counselling services, family programmes, shelters, youth initiatives, Elders services, transitional housing and culturally based care providers.
Rent-to-Own
A member housing pathway to ownership, protected as a programme rather than as scattered individual risks.
Self-Insured Housing Trust
A community housing protection model that retains risk deliberately and keeps the benefit of good loss experience inside the Nation.
Hybrid Insurance Programme
A blended structure combining retained risk with carrier capacity, sized to what a community can prudently hold.
Band Asset Programme
Community-owned property and equipment written as a coherent portfolio.
Economic Development Insurance
Portfolio-based insurance and risk management for Economic Development Corporations, joint ventures, contractors and community-owned businesses.
Claims advocacy, recovery and restoration
Claims advocacy, recovery coordination and, wherever possible, local contractors and suppliers doing the rebuild.
Ground Control
Assessment and readiness services
Community asset verification
Identifying and confirming what a Nation owns across buildings, housing, infrastructure, equipment and essential services.
Asset mapping
Locating and recording community assets and their dependencies so the full picture is held in one place.
Field assessment and site review
On-the-ground review of structures, systems and community services by qualified assessors.
Fire service and life-safety evaluation
Assessment of community fire services, fire protection and life-safety provision in the community context.
Evidence collection and documentation
Gathering and organising the documentation that demonstrates what protection is already in place.
Readiness scoring
Contextual readiness classes built for on-reserve conditions rather than municipal grading systems designed elsewhere.
Dashboards and reporting
Reporting that shows leadership what is working, where vulnerabilities sit and what should be improved next.
Community Road Maps
A practical five-year plan setting out priorities, ownership, timing and evidence of completion.
Inspection and claims field support
Inspection and field work supporting claims, verification and programme delivery.
Claim opportunity identification
Helping Nations identify Specific Claims opportunities and understand what is available to them.
Research and evidence coordination
Coordinating historical research and the evidence base supporting a claim.
Feasibility assessment
Assessing whether and how a claim can realistically be advanced.
Specific Claims financing
Arranging financing that advances a claim without drawing down community operating funds.
Professional services coordination
Organising the legal, research, technical and advisory services a claim requires.
Settlement preparation
Preparing leadership for the decisions that follow a settlement, from a position of preparation rather than pressure.
Settlement implementation
Connecting settlement outcomes to trusts, infrastructure, capital and economic development priorities.
Research and remediation capability
A dedicated research and remediation function working active files across the country, supported by corporate counsel.
Insurance placement participation
Structuring participation in the insurance activity generated by community-owned assets and major projects.
Infrastructure servicing
Connecting infrastructure servicing work to Indigenous businesses and Nation-owned enterprises.
Indigenous procurement
Directing procurement arising from projects on Indigenous territories toward Indigenous suppliers.
Revenue participation
Structured, recurring revenue participation in the economic activity a project generates.
Economic participation structuring
Building the model that keeps commercial value connected to the territory where it was created, and reinvested into readiness, capacity and long-term priorities.