Tribal Insurance

At Brown & Brown of Washington in Seattle, what we have learned from more than 20 years of working with Tribes is that each one is unique and has its own individual needs. While the goals of each Tribe may appear similar, we recognize that each Tribe is different in the way that they exercise their sovereignty and pursue enterprises. So, our dedicated Tribal insurance team sits on your side of the table to work with you to develop a customized insurance and risk plan.

We have the honor of serving more than 80 Tribes and their entities across the Pacific Northwest, Southwest, and Midwest regions. This honor comes with the privilege of being able to collaborate and strategize with Native Sovereign Nations across the United States. We do not believe in a “one size fits all” solution. Therefore, we make it our priority to get to know you, your unique culture, and what risks and exposures are threats to you.


Our Tribal insurance team leverages its expertise, local and national presence, and ability to innovate to benefit your Tribe – both today and in the future. As a result, you have access to innovative solutions, all major Tribal-specific programs, the most advantageous rates, and the broadest protection offered in the marketplace.

Tribal Government

Tribes have profound histories, rich cultures, and complex needs. Our dedicated Tribal Insurance team has developed an understanding of Tribal culture, exposures, challenges, and law. We are the national leader serving Tribes and their entities longer than any other broker in the U.S. Many of the services we provide are done in-house by our Tribal team. We continue to work with carrier programs, Tribal-specific attorneys, Tribal economic development teams, Tribal leaders, and municipalities on cross-jurisdictional agreements.

Some examples include:

  • FTCA – We make certain our carriers have crafted language in the Tribe’s policies to absolve Tribes of claims under the FTCA. There are responsibilities owed by the United States to Indian Tribes under the Indian Self-Determination and Education Assistance Act, Public Law 93-638, and the Tribe’s Self-Governance agreements.
  • Sovereign Immunity Endorsements – Recognizing the quintessential importance of preserving sovereignty, Brown & Brown consistently makes certain that program policy language includes verbiage that is inclusive of this imperative endorsement, thus preventing carrier partners on instituting sovereignty without expressed authority from Tribal Council.
  • Workers’ Compensation Ordinance – Making certain that program policy language recognizes Tribal Workers’ Compensation Ordinance rather than Washington State L&I as prevailing.

Tribal Enterprises

Our dedicated Tribal Insurance team works to identify the difference between your mission and your goals, whether you are a Tribal Government or Tribal Enterprise, so we can find the right solution for you. Whether you need coverage for property & casualty, workers’ compensation, employee benefits, or more, we offer a suite of solutions that can help your enterprise meet its goals. From bingo halls and casinos to hotels and drones, we have been leaders in adapting and innovating with your growing and ever-changing enterprises.

  • Initiative 502As the Tribal community endeavor to leverage the new regulations surrounding this initiative (recreational marijuana – growth and retail sales), Brown & Brown of Washington has worked with carriers to see that Tribes are protected from liability in this arena, placing the first coverage of its kind for Initiative 502 for two Tribal Enterprises in December 2015.
  • Aggregate Programs – We consulted with a large Tribal casino & hotel that was not receiving optimal coverage. Working with them, we were able to rotate them into an aggregate program that included workers’ compensation and all appropriate liability coverage, saving the Tribe more than $700,000 in the first year of the new program.

Tribal Risk Management

Tribes and their enterprises are exposed to unique risks that can impede their progress, threaten finances, and jeopardize their future. A Tribe’s risks and exposures continually change and grow as the Tribe itself grows. Our Tribal Insurance team works alongside Tribes to identify these risks in advance and execute strategies that help mitigate or eliminate them.

  • Loss Control Consulting
  • Risk Management Consulting
  • Workers’ Compensation Claims Analysis/Reports
  • Claim Management/Advocacy
  • Self-Insurance
  • Insurance/Risk Consulting
  • LETS – Law Enforcement Training Simulator*
  • Building Inspections
  • Building Valuations
  • Safety Meeting Facilitations
  • On-Site Evaluation/Training
*Brown & Brown of Washington in Seattle provides the only state-of-the-art, on-site Law Enforcement Training Simulator (LETS) in the State of Washington. The training includes tools to assist in developing communication between officers, state-of-the-art marksmanship training on custom-designed computer systems, and general safety tactics to give every officer a better chance to return home safely. LETS is important for the safety of the Tulalip Tribes citizenship and Tulalip Law Enforcement. According to former Police Chief Goss, “The training has enabled [the Tribe] to reinforce the importance of officer safety and better serve the community.”

Tribal Insurance Coverages

We work with and have access to the top Tribal Insurance carriers and markets to provide the best products and coverages to our Tribes and their Enterprises. Some of the coverages we bring to the table include but are not limited to:

  • Property
  • General Liability
  • Workers’ Compensation
  • Tribal Officials Errors & Omissions
  • Law Enforcement Liability
  • Auto Liability & Physical Damage
  • Drones/Aviation
  • Crime
  • Housing
  • Employment Practices
  • Liquor Liability
  • Medical Malpractice
  • Self-Insurance
  • Builders’ Risk
  • TCIP – Tribal-Controlled Insurance Program

Broker Services

Many of the services we provide below are done in-house by our Tribal team. Below is a sampling of the services we offer:

  • Pre-Renewal/Renewal Negotiation
  • Renewal Process Assistance Guidance
  • Workers’ Compensation Claims Analytics
  • Safety Meeting Facilitation
  • Coverage Interpretation Support
  • Certificate of Insurance/Contract Review
  • Claims Review/Advocacy
  • Premium Allocations
  • Safety FAQs and Guides
  • Policy/Coverage Reviews
  • Legal Contract Reviews
  • Vendor Partner Contract Reviews
  • Workers’ Comp/Tort Ordinance Review
  • Building Valuations and Inspections
  • Insurance Education and Training
  • Governmental Expenditures Worksheet
  • 638 Contracts/Federal Tort

As a result of our extensive understanding of the Tribal Community and its complex and interwoven goals, we are able to design and innovate in the area of insurance coverage specifically tailored to Tribal Nations. This is evident in the many “firsts” Brown & Brown of Washington in Seattle has accomplished in the name of helping to protect Tribes and your endeavors:

  • First private Workers’ Compensation policy in Washington State
  • First Workers’ Compensation self-insurance placement in Washington State
  • Only broker to develop own Tribal-specific program. TNIP – Tribal Nations Insurance Program
  • First to introduce Profit Sharing to Washington customers
  • First to provide coverage for first Tribal 8A contractor
  • First to provide insurance/protection for our Tribal customers participating in Initiative 502 – assisting in continued economic diversification
  • First to provide program policy language in Washington State
  • Helped carrier development produce and implement program enhancements to include: Medical Malpractice, Builders’ Risk, Law Enforcement Liability, Tribal Officials, E&O, etc.
  • In support of Tribal Sovereignty, we have worked with insurers to recognize Tribally Licensed Dental Therapists (DHATs). Supporting: Brian Cladoosby and the Swinomish Tribe…another first