AMERIND
AMERIND is the only 100% Tribally owned insurance carrier in the U.S., providing property, liability, workers' compensation, auto, cyber, and housing insurance exclusively to 430+ Tribal Nations, tribal businesses, and individual tribal members through appointed brokers and direct digital channels.
- Company typePrivate
- Founded1986
- HeadquartersBernalillo, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What AMERIND does
AMERIND is the only 100% Tribally owned and operated insurance carrier in the United States, headquartered in Santa Ana Pueblo, New Mexico. Founded in 1986 by more than 400 Tribal Nations who pooled resources to create affordable insurance when commercial coverage became unavailable or too costly, AMERIND serves Indian Country exclusively through property, liability, workers' compensation, commercial auto, cyber liability, Indian Housing Block Grant, and homeowners/renters insurance products. The company carries an AM Best A (Excellent) financial strength rating, upgraded in October 2025, and operates under a federally chartered Section 17 Tribal structure with a board elected by member Tribes. Distribution is conducted exclusively through a national network of appointed insurance brokers with tribal specialization, complemented by direct digital channels including an online payment portal and First Notice of Loss claims submission system.
The company's core technology is a conventional insurance technology platform supporting policy management, claims processing, and risk assessment, augmented by an in-house Risk Control team conducting property surveys, liability risk assessments, and loss analysis. AMERIND generates revenue through recurring insurance premiums on annual billing cycles, with quote-based pricing not publicly disclosed. In addition to core insurance, AMERIND operates AMERIND Critical Infrastructure (ACI), a wholly owned subsidiary launched around 2020 that provides broadband infrastructure planning, deployment, and financing services to Tribal Nations, extending the company's value proposition beyond insurance into digital equity and connectivity. Marketing is driven through community-rooted channels including the monthly Trusted Voices webinar series, annual Safety Poster Contest, golf fundraisers, the Tribal Risk & Insurance Convening, and risk control safety training programs, reflecting a deeply embedded community engagement model that reinforces member loyalty and brand in Indian Country.
AMERIND firmographics
Firmographics- Name
- AMERIND
- Legal name
- AMERIND
- Website
- https://amerind.com
- Company type
- Private
- Founded year
- 1986
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AMERIND is the only 100% Tribally owned insurance carrier in the U.S., providing property, liability, workers' compensation, auto, cyber, and housing insurance exclusively to 430+ Tribal Nations, tribal businesses, and individual tribal members through appointed brokers and direct digital channels.
- Ownership category
- akta.pro rank
AMERIND industry classification
Industry- Product category
- Tribal Insurance
- NAICS
- Insurance Carriers and Related Activities (524), Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Occupational Accident Insurance (1099/Contractor Coverage) (FSAIALAF)
Keywords
Where AMERIND is headquartered
LocationHeadquarters
- HQ city
- Bernalillo
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
AMERIND business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: AMERIND generates revenue through insurance premiums from property, liability, workers' compensation, commercial auto, and cyber liability coverage sold to tribal governments, businesses, and individuals.
- Indian Housing Block Grant Program: Specialized insurance program for properties covered under the Indian Housing Block Grant program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Tribal Government Insurance |
| Subscription | Annual | Tribal Workers' Compensation |
| Subscription | Annual | Homeowners & Renters |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels7 records
AMERIND product offering
Product offeringCore offering
AMERIND is the only 100 percent Tribally owned insurance carrier in the United States, providing property, liability, workers' compensation, commercial auto, cyber liability, and homeowners/renters insurance products to tribal governments, tribal businesses, tribal housing authorities, and individual tribal members. The company also offers broadband infrastructure planning, building, and financing services for Tribal Nations through its AMERIND Critical Infrastructure (ACI) division.
Product overview
AMERIND offers a comprehensive suite of insurance products and services specifically designed for Tribal governments, businesses, and individual property owners in Indian Country. The core portfolio includes property and liability insurance, Tribal Workers' Compensation (TWC), Tribal Auto coverage, Homeowners & Renters insurance, Indian Housing Block Grant insurance, Cyber Liability Coverage, and AMERIND Critical Infrastructure for broadband connectivity. These products are complemented by risk control services, the Trusted Voices webinar series, an online First Notice of Loss claims submission system, and the Protecting Tribal Families Fund for uninsured families. Founded in 1986 and rated A (Excellent) by AM Best, AMERIND is the only 100 percent Tribally owned insurance carrier, providing its products through a network of appointed insurance brokers and direct online customer portals.
Differentiator
Problem solved
Functional benefit
Brands
- AMERIND Critical Infrastructure (ACI): A division providing broadband infrastructure planning, building, and financing services for Tribal communities to bring 21st century connectivity to Indian Country.
Products and services
- Tribal Government & Business Insurance Property, liability, commercial auto, and workers' compensation insurance programs designed for Tribal governments and tribal-owned businesses.
- Tribal Workers' Compensation (TWC) Workers' compensation coverage providing medical, wage loss, permanent disability and death benefits customized to Tribal sovereignty requirements for tribal employees.
- Tribal Auto Program Commercial auto insurance coverage for Tribal government and business vehicle fleets.
- Homeowners & Renters Insurance Individual property coverage for homeowners and renters within Tribal communities.
- AMERIND Critical Infrastructure (ACI)
- Indian Housing Block Grant (IHBG) Insurance Insurance coverage specifically designed for properties funded under the Indian Housing Block Grant program, supporting Tribally Designated Housing Entities (TDHEs).
- Cyber Liability Coverage Coverage protecting Tribal entities from cyber risks, data breaches, and digital asset losses.
Quantifiable outcome
- Tribal nations save millions of dollars in insurance premiums annually
- +2 more outcomes
Companies that use AMERIND
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
AMERIND technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
AMERIND partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and major.
- TrueNorth Solutions, LLCcoreAMERIND partners with TrueNorth Solutions, LLC for risk management and safety compliance inspections. Led by Jett Rogers, CEO & Managing Member, the company provides origin and cause fire investigations and safety inspections for tribal properties.
- National Digital Inclusion Alliance (NDIA)coreAMERIND Critical Infrastructure (ACI) partnered with NDIA to advance digital equity in Indian Country. NDIA received a $10 million grant from Google.org to support digital inclusion efforts.
- American Indian Graduate Center (AIGC)coreAMERIND Risk gave a $210,000 seven-year gift to create the AMERIND Risk Educational Assistance Scholarship for Native American students.
- National American Indian Housing Council (NAIHC)coreAMERIND has held collaborative conventions with NAIHC to offer extensive training opportunities for tribal housing professionals.
- National Indian Council on Aging (NICOA)majorAMERIND's golf fundraiser benefits NICOA, which advocates for improved comprehensive health, social services, and economic wellbeing for American Indian and Alaska Native elders.
- Regional Housing AssociationscoreAMERIND works with Regional Housing Associations across the country for the Safety Poster Contest and other community programs.
- Russell OyercoreIndependent Catastrophic Property Insurance Adjuster who works as AMERIND's Property Damage Third-Party Adjuster (TPA) for catastrophic events.
Scale indicators9 records
Recent moves7 records
Expansion highlights5 records
AMERIND competitors and assessment
Company assessmentEmerging players
- EMPLOYERS: Workers' compensation specialist insurer focused on small and mid-sized businesses. Comparable in workers' comp expertise and target market for commercial insurance products complementary to AMERIND's offerings.
- Safety National: Specialty workers' compensation carrier with focus on large-deductible and alternative-market solutions. Comparable in specialized workers' comp underwriting approach and complex risk segmentation.
Direct peers
- Hukill Hayes: Insurance brokerage and agency specializing in Native American tribal insurance needs. Closely comparable to AMERIND in target market (tribal governments, businesses, housing authorities) and cultural alignment with Indian Country.
- Tribal First: Tribally-affiliated insurance services and risk management provider serving tribal governments and enterprises. Directly comparable to AMERIND in mission, customer base, and product focus on the tribal insurance niche.
Broad incumbents
- Markel Group: Large specialty insurance carrier operating across niche and underserved markets, including tribal and nonprofit segments. Comparable in specialty-insurance model, domain expertise, and ability to serve non-mainstream customer bases.
- Liberty Mutual Insurance: Major diversified P&C insurer with deep workers' compensation and commercial lines presence. Overlaps with AMERIND's core P&C, workers' comp, and commercial auto offerings at the broader market level.
- Travelers: Large diversified P&C insurer offering property, casualty, workers' compensation, and specialty coverage to businesses and government entities. Comparable product portfolio across lines AMERIND underwrites.
- The Hartford: Major P&C insurer with strong small-business commercial and workers' compensation franchises. Overlaps with AMERIND's property, liability, and workers' comp product lines serving government and commercial customers.
- Chubb: Global specialty and commercial P&C insurance leader. Comparable in providing sophisticated coverage to specialty and underserved segments, with overlapping capabilities in liability, property, and commercial lines.
Others
- Arthur J. Gallagher (Gallagher): Global insurance brokerage and risk management firm, named as one of AMERIND's appointed broker partners in the source data. Relevant as a channel/ecosystem participant through which AMERIND distributes products to tribal clients.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
AMERIND social profiles
Digital presenceAMERIND compliance and trust
Trust signalCompliance1 record
AMERIND financial estimates
Financial estimateRevenue estimate
Valuation estimate
AMERIND leadership team
Management profileNumber of profiles
Profiles11 records
AMERIND subsidiaries and ownership
Company hierarchySubsidiaries1 record
AMERIND funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AMERIND M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AMERIND
What does AMERIND do?
AMERIND is the only 100 percent Tribally owned insurance carrier in the United States, providing property, liability, workers' compensation, commercial auto, cyber liability, and homeowners/renters insurance products to tribal governments, tribal businesses, tribal housing authorities, and individual tribal members. The company also offers broadband infrastructure planning, building, and financing services for Tribal Nations through its AMERIND Critical Infrastructure (ACI) division.
Is AMERIND a public or private company?
AMERIND is a private company. It is classified as state government owned and is currently operating.
When was AMERIND founded?
AMERIND was founded in 1986. It employs 11 to 50 people.
Where is AMERIND based?
AMERIND is headquartered in Bernalillo, United States, in the North America region.
How does AMERIND make money?
Two revenue lines are on record. Insurance Premiums are the primary driver. The others are indian Housing Block Grant Program.
Who are AMERIND's main competitors?
Emerging players on record are EMPLOYERS and Safety National. Direct peers are Hukill Hayes and Tribal First. Broad incumbents are Markel Group, Liberty Mutual Insurance, Travelers, The Hartford and Chubb. Arthur J. Gallagher (Gallagher) is listed as an others.
Does AMERIND have an API?
No public API is recorded for AMERIND.
What industry is AMERIND in?
AMERIND's product category is Tribal Insurance. Its primary akta.pro industry code is FSAIALAF, Occupational Accident Insurance (1099/Contractor Coverage). Its NAICS code is 524 and its SIC code is 6399.