Safety Services
The professional underwriters on our Risk Services Team are familiar with Indian Country because many call Indian Country home. The success of economic development on Reservations is directly related to access to affordable insurance and sustainable hazard protection tools. AMERIND plans were designed for Tribes by Tribes. To ensure success and fulfill our promise to pay in the event of a covered loss, we quantify the amount of expected losses and calculate a premium that will be adequate to pay losses for all programs administered. Underwriting risks exist only if there is a reasonable expectation that some risk will produce losses and others will not – therefore, AMERIND has a large spread of risk or risk distribution throughout Indian Country in over 32 States.
Although we adhere to underwriting guidelines; we are flexible that we focus on our tribes and tribal customer needs and build from there – rather than forcing you into a program that does not fit your coverage requirements. Our customers pick and choose their own coverage type. We are aware of cultural differences and decision making variations within our tribes – we approach each tribe and/or tribal customer with RESPECT which is the corner stone of our AMERIND values.
Because we represent so many different Tribes, we understand historical and cultural differences among Tribes and the importance these differences play in the Tribal decision making process. Our programs are flexible and are built from the ground up based upon what we hear from our clients rather than forcing you into a "one size fits all" program. Risk management utilizes an evaluation process in which we identify the best methods for protecting life and property in your community. We may recommend one or more of the following methods:
- 1. Avoidance
- 2. Separation
- 3. Retention
- 4. Risk Prevention
- 5. Risk Control
- 6. Risk transference by contract
- 7. Risk transference using insurance
