Native Nations

Protecting people and assets in
Native Nations & Corporations.

Safeguarding the future of Native Nations through expert risk management and employee benefits.

A resourceful partnership.

Native Nations & Corporations face distinct challenges in risk management and insurance, shaped by their sovereign status, diverse business operations, and cultural values. These entities must navigate complex jurisdictional landscapes, regulatory frameworks, and limited access to specialized insurance providers.

IMA brings a proven record of success in serving tribal governments and enterprises. We understand that risk management for Native Corporations and Tribal organizations is not merely about mitigating loss; it is about safeguarding sovereignty, supporting generational resilience, and reinforcing the foundation upon which future prosperity is built.

Our dedicated Native Nations & Corporations Practice Group specializes in delivering comprehensive insurance brokerage services tailored to the unique needs of Native American and Alaskan Native governments, enterprises, and communities. With deep respect for sovereignty and cultural values, we bring decades of experience navigating the complex risk landscape Native Nation organizations face.

Our team supports sectors throughout Native Nations including:

  • Nation Governments
  • Nation Gaming & Hospitality
  • Economic Development Corporations
  • Construction
  • Nation Housing Authorities
  • C-Stores
  • Clinics/Hospitals
  • Cannabis
  • Cultural & Educational Institutions

IMA takes a sovereignty-first approach, honoring Native governance and jurisdictional priorities in every engagement. Our team undergoes cultural and historical education developed by a Native-owned organization to ensure respectful, authentic collaboration. We design customized insurance programs tailored to your specific exposures, from government operations to enterprise ventures. As your partner, we advocate with carriers, navigate complex regulatory frameworks, and support long-term risk resilience through culturally competent, community-aligned risk strategies.

Employee Benefits Designed for Sovereignty, Health, and Community

Native American and Alaska Native communities face persistent healthcare disparities due to underfunded federal policies and limited Indian Health Service (IHS) access. IMA’s Native Nations & Corporations Practice Group collaborates with Tribal leadership to design employee benefits solutions that strengthen sovereignty and empower Tribes to deliver healthcare on their terms. Leveraging expertise in Indian health law, ERISA compliance, strategic vendor partnerships, and data-driven population health strategies, we create cost-effective, culturally aligned health plans that maximize Tribal autonomy and improve community health outcomes.

Strengthening Sovereignty through IMA’s Tribal Health Plan Model

Features of IMA’s tribal health plan model:

  • Payor of Last Resort: Coordination of benefits, tribal health plan will always pay last
  • PRC Program Support Services: Adjudicating claims, tracking referrals, paying claims
  • Medicare like Rates (MLR): Medicare = lowest legal fee schedule for hospital claims
    • Tribal Rx Solutions National Rx Cooperative
    • 340B Drug Purchasing Program
    • Specialty Rx Carve Out
    • Point of Sale Rebates
  • CHEF Reimbursement: Catastrophic health claim > $19K that is incurred by a Tribal partner’s PRC-eligible plan participants may be submitted for reimbursement – CHEF budget allowing
  • Market Exchange Sponsorship
  • Unbundled, Self-Funding
  • Compliance
    • ERISA
    • Indian Health law
Support and Services
IMA helps clients in the manufacturing industry see around corners, enabling them to take advantage of risk rather than simply purchasing insurance.
Certificate Compliance
Claim Advocacy & Management
Complex Risk & Finance
Contract Review
Cyber
Employee Benefits
Environmental Risk
Executive Risk Solutions
General Liability
Global
Mergers & Acquisitions
Property
Retirement
Risk Control
Risk Innovation & Sustainability
Surety
Workers’ Compensation
Employee Benefits Solutions

Risk management is just one piece of the puzzle.

People are the heart of every successful business, and employee benefits are key to a thriving workforce.

Our Benefits team is your partner in achieving people success. We handle the complexities of benefits, allowing you to focus on building a workplace your people love. From benefits design to implementation and management, we’ve got you covered.

Attract and retain top talent with a benefits package that moves your team forward.

Employee Benefits Solutions