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

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

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