For over 30 years, Tribal Custom Insurance (TCI) has proudly supported First Nations communities with insurance solutions rooted in trust, cultural understanding, and real-world protection. One of our most important offerings—the Band Asset Program—was created specifically to help Indigenous communities across Ontario safeguard what matters most.
But what exactly is the Band Asset Program? And why is it such a vital tool for communities today?
What Is the Band Asset Program?
The Band Asset Program is a specialized insurance solution designed to protect the physical assets and liabilities of First Nations communities. From administrative buildings and community centres to vehicles, equipment, and health facilities, the program covers a wide range of property and operational needs.
This isn’t a one-size-fits-all policy. We work closely with each community to tailor coverage to its unique infrastructure, governance, and programming. Whether you’re hosting a cultural event, running a childcare facility, or developing land and housing, this program ensures you’re backed by insurance that understands your world.
What Does It Cover?
The Band Asset Program offers comprehensive protection, including but not limited to:
- All-Risk Property Coverage – For buildings, contents, and equipment
- Commercial General Liability – For community-run events and services
- Builders Risk – For new construction or renovations
- Professional & Environmental Liability
- Commercial Auto Insurance
- Health & Eldercare Facility Coverage
- Council Member Accident Programs
It’s a holistic approach to protecting both the tangible and operational investments made by your community.
Why It Matters
Insurance isn’t just about compliance—it’s about resilience. The Band Asset Program helps ensure that a single accident, storm, or legal issue doesn’t disrupt essential services or strain community finances. By securing proper coverage, leaders can focus on growth, wellness, and future planning rather than crisis management.
Even more importantly, the program is delivered by an Indigenous-owned and operated team that understands First Nations governance, values, and funding challenges. We don’t just offer protection—we offer partnership.
Built on Relationships, Guided by Respect
At TCI, we believe in listening first. Our advisors meet with community leaders to understand their needs before crafting a plan. We honour traditional knowledge while bringing the best of modern insurance practices to the table.
It’s about more than policies—it’s about people.
Let’s Talk
If your community is growing, planning, or simply looking to improve existing coverage, we’re here to help. Reach out to learn how the Band Asset Program can support your long-term vision and protect what your community has built.