Tribal Workers’ Compensation

Since our inception in 1986, AMERIND has provided affordable, sustainable and culturally sensitive products and services for Indian Country. We are continually developing solutions for the unique needs of the Tribes, Tribal governments, and businesses we serve.

Our Tribal Workers’ Compensation (TWC) program has protected Tribal employees for more than 16 years, and our TWC claim team has an average of 20 years of experience with workers’ compensation claims.

Advantages of Choosing AMERIND

  • Protection of Sovereignty
    Our TWC program and all other product offerings operate under the jurisdiction and sovereignty of the Tribe or its political subdivision.
  • Robust Coverage and Flexibility
    Our TWC coverage is designed for Tribal governments, Tribal business enterprises, and Tribal housing entities. To qualify for coverage, a Tribal entity need only be domiciled and conduct principle operations in Indian Country. Since Tribes are not bound by state workers’ compensation statutes, our TWC program allows the Tribal entity to take full advantage of their workers’ compensation coverage. Unlike the one-size-fits-all approach with traditional state workers’ compensation coverage, we work with the Tribal entity to tailor coverage resulting in optimum effectiveness.

Like traditional state workers’ compensation, our Tribal Workers’ Compensation coverage, provides benefits for:

  • Medical Benefits
  • Lost Wages
  • Death Benefits
  • Disability Benefits

We focus not only on cost savings but more importantly on providing appropriate coverage for the Tribal entity. We do not require you to purchase frivolous or unnecessary coverage.

  • Affordability
    Because AMERIND is Tribally owned and a sovereign entity, we are tax-exempt and free from state regulations. With this status, our cost of operation is typically 10 to 15 percent less than corporate insurance companies. This translates to significant savings to the Tribal entity.
  • Loss Control Services
    As a TWC policyholder, you have access to an abundant offering of resources and benefits. One of those benefits being our safety services and training – at no additional cost! Our team of safety trainers has been certified through the National Safety Council (NSC) and the National Association of Safety Professionals (NASP).

Some of the training courses and certifications offered are:


The AMERIND Tribal Workers’ Compensation (TWC) program is designed specifically for Tribes and their business operations, offering higher limits than the competition and robust benefit levels for your employees at a lower cost. Our TWC program is a Tribal alternative to state workers’ compensation, allowing Tribal entities to maintain Tribal sovereignty while keeping Tribal dollars circulating in Indian Country.

Call us today at (505) 404-5000 to discuss your coverage and see how our coverage will benefit you and your employees!

Download and print the TWC Rack Card for a summary of coverage.