First Nations

Some key Insurable risks facing First Nations and First Nations Development Corporations
Employment practices

Including: sexual or workplace harassment; workplace violence; wrongful termination.

Burial Costs

First Nations estates are generally not entitled to the CPP death or pension benefit afforded to all other Canadians. The Burial Insurance Program will provide a death benefit of up to $2,500 per person.

Executive Protection Life Insurance for Chief’s and Councillor

The standard employee group benefits package provides a good solid base of coverage in all areas for the majority of the staff in an Aboriginal community or corporation but it generally does not include the Chief and councilors, or provide adequate coverage for key employees. Most staff have a good percentage of their income replaced and health care provided for by a standard group benefit plan but the Chief and councilors are often excluded from these benefit programs. Under this program there would be a customized insurance program replacing the gap in coverage.

Trustees Liability

Trustees can be held legally accountable for the decisions they make and the services they provide, with personal assets at stake. Claims against trustees can allege mismanagement, conflict of interest, self-dealing, breach of fiduciary duty, misrepresentation, negligent supervision and selection, and professional negligence. Often these allegations are based on trustee actions that should be defensible but are still litigated.

Community Asset Programs

Covers commercial and residential buildings, contractors equipment, water/waste water treatments plants, vehicles, schools, businesses, and other operations both on or off the designated reserve lands. All operations of the Nation can be covered under the program including all governing bodies, administration, health and daycare facilities including businesses owned by the Nation. As well, coverage extends to anyone working for or on behalf of the community and any business or operation the community owns or controls including managers, employees, day care workers, contract employees, and volunteers who are acting within the scope of their duties on the community’s behalf.

Legal Expense Insurance

(LEI) gives Aboriginal peoples and communities access to legal advice and coverage for the legal costs of defending or pursuing certain legal actions, including land claims. Legal Expense Insurance is intended to cover the legal fees, research costs, expert witnesses, the conduct of a trial and appeals, and other related expenses. It will also cover the cost of insurance premiums for the policy itself, which the Aboriginal community would not normally be able to afford.

bearFirst Nations Self-Administered Police Services

First Nations Self-Administered Police Services have played an important role in many Aboriginal communities and the employees are empowered with certain special authorities which are used in the performance of their jobs. With those authorities come certain unique risks that require specialized insurance coverage for bodily injury, personal injury and property damage that may arise while performing their duties.

Construction Insurance

Our Construction and Bonding provide limits for projects that are open to contractors, project owners, and developers. We offer a full suite of construction insurance products and bonding capacity under one facility. Our broad policy offers flexibility in cover, and less restrictive terms and conditions than open market alternatives. We can insure the construction and operational phases of various types of projects of all size, in any part of the world.

Commercial Marine Vessels

We offer a wide variety of Commercial Marine products targeted specifically for all types of Aboriginal commercial fish harvesting and processing operations.

Some key risk management services for First Nations and First Nations Development Corporations


Loss Reduction  – Engineering of Risks
Reducing fire related losses:

Inspections to identify specific fire hazards and then immediate action to remove or re-mediate the hazard and have a system in place to monitor corrective activity assist in providing communities innovative fire reduction equipment.

Reducing auto claims:

Offer fleet safety instruction program solutions Provide advice and training on fleet safety Advice on managing auto liability deductibles and claims management.

Reducing slip & fall claims

Advice and training on how to both reduce the incidents of slip & falls, particularly at high volume business operations such as bingo/gaming, as well as reducing the frequency and severity of successful claims.

On-line 24/7 “risk knowledge centre” : policy documentation, claims procedures, claims forms, claims history, risk bulletins


The information contained herein is of a general nature and is not intended  to address the circumstances of any particular individual or entity.  Although we endeavour to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future.  No one should act on such information without appropriate professional advice after a thorough examination of the particular situation.


Information for this page was based on partnership with our insuring brokers at Aboriginal Insurance Services Inc. Most coverages offered are placed through