AMERIND

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.

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

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

• Tribal insurance products
• Property liability coverage
• Workers compensation
• Commercial auto insurance
• Homeowners renters insurance

Headquarters

HQ city

Bernalillo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. 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.
2. Indian Housing Block Grant Program: Specialized insurance program for properties covered under the Indian Housing Block Grant program.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels7 records

Core 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

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and major.

• TrueNorth Solutions, LLCcoreImplementation/ SI/ Consulting Partner · 4 January 2022AMERIND 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)coreStrategic or Co-development PartnerAMERIND 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)coreStrategic or Co-development PartnerAMERIND 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)coreStrategic or Co-development PartnerAMERIND has held collaborative conventions with NAIHC to offer extensive training opportunities for tribal housing professionals.
• National Indian Council on Aging (NICOA)majorOthersAMERIND'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 AssociationscoreStrategic or Co-development PartnerAMERIND works with Regional Housing Associations across the country for the Safety Poster Contest and other community programs.
• Russell OyercoreImplementation/ SI/ Consulting PartnerIndependent 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

Emerging 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

• Xx.com/amerindrisk
• Facebookfacebook.com/AMERINDRisk
• LinkedInlinkedin.com/company/amerind-risk

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AMERIND