Guided by Tradition. Driven to Protect.

Tribal Custom Insurance has proudly served the insurance needs of Ontario residents and Indigenous communities for over 30 years. Our longevity is a testament to the trust we’ve built through strong client relationships, consistent service excellence, and culturally respectful solutions. As an experienced Indigenous insurance broker, we continue to grow our offerings while staying true to our roots—providing thoughtful coverage that protects what matters most to our clients.

Tribal Custom Insurance sets itself apart with a unique blend of community-first values, personalized service, and deep cultural understanding. As an Indigenous-owned and operated insurance brokerage with over three decades of experience, we bring a level of care and commitment that goes beyond policy coverage. We prioritize client education, transparency, and strong relationships—ensuring every client feels seen, heard, and protected. Our partnerships with leading Canadian insurance carriers, combined with our culturally aligned approach, allow us to offer tailored coverage that truly reflects our clients’ lifestyles and values.

The First Nation Band Asset Program offered by Tribal Custom Insurance is a specialized, community-focused insurance solution designed to protect the property, infrastructure, and leadership of First Nations communities across Ontario. This comprehensive program includes “All Risk” property insurance for Band-owned buildings and equipment, liability coverage for community-sponsored activities and public spaces, and optional protection for legal expenses, environmental risks, and professional responsibilities. TCI works directly with community leaders and administrators to ensure each policy is tailored to the unique structure and needs of the community—whether the assets are on or off reserve. Our approach blends cultural understanding, responsive service, and modern insurance tools to deliver coverage that supports long-term community resilience.

Tribal Custom Insurance offers a wide range of auto and home insurance discounts to help reduce premiums for Ontario residents and Indigenous community members. For auto insurance, common discounts may include multi-vehicle, winter tire, mature driver, anti-theft device, loyalty, and claims-free incentives.

Home insurance clients may benefit from discounts such as mortgage-free home, newer home construction, and bundling home and auto policies. Availability and value of discounts can vary by insurance provider and personal eligibility, but our team is committed to helping you take advantage of every cost-saving opportunity. We provide personalized guidance to ensure your coverage is both affordable and comprehensive.

Yes—Tribal Custom Insurance proudly serves clients across all regions of Ontario, including rural and remote communities. As an Indigenous-owned brokerage, we understand the challenges and unique insurance needs faced by residents outside of urban centres. Whether you’re insuring a rural property, a vehicle used on unpaved roads, or a seasonal dwelling in a remote area, TCI provides tailored solutions that offer peace of mind and protection. Our experience working with First Nations communities ensures we’re equipped to deliver responsive service and relevant coverage—no matter where you call home.

Filing a claim with Tribal Custom Insurance is a streamlined and supportive process. During business hours, you can contact our team directly by phone or email for claim guidance. For after-hours support, many of our insurance partners offer 24/7 claims assistance, and we provide clear instructions for how to reach them. In an emergency, your policy documents will include the insurer’s dedicated claims line for immediate help. Whether you’re reporting a car accident, property damage, or another insured event, we’re here to help you navigate the process from start to finish—ensuring transparency, efficiency, and advocacy throughout.

Absolutely. TCI offers insurance coverage for a wide range of seasonal and recreational vehicles, including ATVs, snowmobiles, motorcycles, and side-by-sides, as well as seasonal cottages or vacation homes. These policies are designed to cover both physical damage and liability risks, ensuring you’re protected while enjoying the outdoors. Our experienced team will help assess the appropriate coverage based on how often you use the vehicle or property, where it’s stored, and any special considerations for rural or on-reserve use. Recreational coverage can be bundled with your auto or home insurance to simplify your policies and potentially unlock additional savings.

Coordinated health coverage for First Nations employees is a key feature of TCI’s Group Employee Benefits program. This model works by aligning your employee benefits plan with existing programs like NIHB (Non-Insured Health Benefits) or FNHA (First Nations Health Authority). For status employees, this coordination ensures that employer-sponsored benefits do not duplicate coverage already provided by federal or provincial programs. Instead, they complement those offerings—resulting in cost savings, reduced premiums, and seamless access to essential health and dental care. TCI’s expertise in Indigenous benefits planning means we can build equitable, inclusive plans for both status and non-status employees within the same organization.