Tribal Nations

For more than 25 years, M3 has served Tribal Nations across the country by providing property & casualty and employee benefits expertise for all aspects of tribal governments and business enterprises. Along with our history of advising in these areas, our Tribal Nations team is led by enrolled tribal members who have worked in these operations and understand the unique nuances and challenges you face in today’s economic and political landscape.


Work With an Advisor Who Understands Tribal Nations

Ryan Pulvermacher is positioned to plan, implement, and review your property & casualty insurance and risk strategies with you. He couples first-hand experience working for his Tribe with coverage, risk mitigation, and tribal program knowledge to provide clients with a unique, tailored experience.

Key coverages placed include: commercial property, general liability, auto liability, workers’ compensation, professional liability, cyber liability, environmental liability, deadly weapons coverages, and more.
Our property & casualty team has working experience with:

  • Federal Tort Claims Act
  • Tribal Workers’ Compensation Law
  • Jurisdiction & Intergovernmental Relationships
  • Cost Allocations & Contract Language Review
  • Cyber Incident Response
  • Strategic Planning & Goal Setting

Compliance due to Tribal Sovereignty also
becomes apparent with versed brokers.

M3’s internal and external teams are specifically skilled in
the application of Indian Law for direct service, 638, and self-governance Nations.

Focused on Custom Risk Management Solutions for Tribal Nations

Your M3 insurance and employee benefits advisors are backed by a strong bench of risk management professionals prepared to advise on and implement:

  • Casino Safety and Security Assessments
  • Tribal Municipality Safety Training
  • Money Handling Protocols
  • C-Store/Retail Operations Reviews
  • Active Shooter Training
  • Incident Report Development
  • Emergency Management Response Reviews
  • Snow/Ice Removal Protocols

Learn more about how M3 can help protect your tribal assets by designing comprehensive risk management plans.

Business PlanNING: Tribes & Tribal Entities


Our business plan acts as a project management document that helps our risk team track our goals and timelines on a continuous basis.

— Patrick Garrison
Tribal Treasurer | Lac Vieux Desert Band of Lake Superior Chippewa Indians

Oneida Nation has a lot of partners.
I couldn’t do it without having our broker, M3.

— Lisa Moore
Director of Risk Management | Oneida Nation of Wisconsin

Knowing the programs out there for tribal entities was a huge relief.
The board switching to M3 was the best decision that they made.

— Jeanne Calhoun
Corporate Executive Assistant | The Oneida Radisson Hotel & Conference Center

Active Shooter Training

Ted Hayes has worked with Tribal Nations clients for over 30 years, facilitating security assessments and active shooter training. He regularly conducts safety audits for M3 clients and provides personalized recommendations regarding safety programs and risk strategies.


Director of Rapid Response & Recovery

Chris Halverson, director of rapid response & recovery, has helped clients navigate their toughest moments for over 30 years. From activating recovery teams and consulting on risks and exposures in real-time to establishing a communication channel between the business, employees, and the media, Chris is there for our clients when they need it most.

MORE ABout M3 Rapid Response & Recovery

Cyber Liability and Risk Management for Tribal Nations

Matt Thomson spent years serving in the U.S. Air Force as a cyber operations officer where he conducted both offensive and defensive cybersecurity operations. This experience brings an unmatched edge to M3 Tribal Nations clients who are looking to safeguard their communities and data.

Matt can work with your team members, no matter their knowledge on cyber. Through his work, he provides high-level overviews to tribal leaders who aren’t in the trenches of the IT space on a daily basis, while digging into the gritty details of cybersecurity infrastructure with your technical team.

  • Incident response
  • Strategy meetings with IT teams
  • Post-renewal resource
  • Understands gaming, government, and economic development exposures

Financial Consulting for Tribal Nations

Keith Berry has a deep understanding of retirement plans, fiduciary obligations, and the regulatory environments of tribal entities. He can provide consultation on:

  • Retirement Plans
  • 401(k)
  • 403(b)
  • Defined Benefit
  • Children’s Trust
  • Financial Wellness
  • Fiduciary Training

CMN has a longstanding, trusted relationship with M3. They are not only a great extension of our team, advising us on insurance and risk management best practices and strategies, but they also show their commitment to our community through our annual scholarship outing. We know we are getting the best of both worlds with M3.

— Melinda Cook
Chief of Staff | College of Menominee Nation