Tribal Program for Sovereign Indian Nations

Arrowhead’s Tribal Program was created in 1987 as the Program for Sovereign Indian Nations, with the assistance of Native American attorneys and tribal administrators. Our goal: to help the Native American community with their specialized insurance needs by offering insurance coverage that recognizes tribal sovereignty as established by the Constitution.

  • We work with a select group of agents and brokers nationwide who specialize in placing tribal coverage
  • We only work with top-rated insurance companies with “A” ratings or higher
  • We provide meaningful risk management to help mitigate your tribe’s risks
  • Arrowhead’s in-house claims team understands tribal law, tribal courts systems, FTCA protection and tribal sovereignty claim issues


We understand the exposures and special circumstances associated with tribal governments, gaming operations and tribal enterprises. Our objective is to help you reduce your losses through technical knowledge, experience and personal service.

  • Training and education
  • Security and public safety
  • Employment practices
  • Fleet and driver management
  • OSHA and other compliance issues
  • Risk management program development
  • Maintenance programs
  • Life safety code requirements
  • Building valuations


  • All 50 states
  • Comprehensive Property Coverage
  • General, liquor and professional liability (Police Professional, Health Care Professional, Tribal Officials E&O, Employment Practices Liability, Cyber Liability and Fiduciary Liability)
  • Tribal workers’ benefits (including Guaranteed Cost and Loss-Sensitive options)
  • Auto physical damage and liability (specifically tailored to address unique tribal nation automobile exposures)
  • Excess Liability (offering limits for all primary policy coverage extensions including Sexual Misconduct, Errors & Omissions and Employment Practices Liability)
  • Unmanned Aircraft Liablity and Property Damage
  • Traumatic Event Expense Coverage

Coverages Offered

General Liability

Host Liquor Liability

Liquor Liability

Professional Liability Insurance (E&O)

Employment Practices Liability (EPLI)


Cyber Liability

Fiduciary Liability

Binging Authority


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Contact Arrowhead General Insurance Agency, Inc.