Connected to your community, and confidently guiding your future.
For more than 25 years, M3 has served Tribal Nations across the country by providing property & casualty, employee benefits, and retirement plan consulting expertise for all aspects of tribal governments and business enterprises – all with a sovereignty-first mindset.
Along with our history of advising in these areas, our Tribal Nations team is led by enrolled tribal members, and those active in tribal communities, who understand the unique nuances and challenges you face in today’s economic and political landscape.
Work with a team who understands tribal nations.
Our team brings firsthand experience working alongside Tribal Nations, with a deep understanding of coverage structures, risk mitigation, and Tribal program considerations. That perspective allows us to deliver guidance that is practical, culturally informed, and aligned with each Tribe’s governance, operations, and long-term goals.
We support a broad range of property and casualty coverages, including commercial property, general liability, auto liability, workers’ compensation, professional liability, cyber liability, environmental liability, and specialty coverages unique to Tribal operations.
Our property & casualty team has working experience with:
- Federal Tort Claims Act (FTCA) considerations
- Tribal workers’ compensation frameworks
- Jurisdictional and intergovernmental relationships
- Cost allocation and contract language review
- Cyber incident response planning
- Strategic planning aligned with Tribal priorities
M3’s Tribal Nations team brings experience working within Indian Law and Tribal governance structures, helping ensure insurance programs align with how services are delivered and risks are assumed.
Our advisors work with direct service, 638, and self-governance Nations, supporting coverage strategies that reflect sovereignty, funding models, and operational responsibility.
Tribal sovereignty introduces unique compliance, jurisdictional, and coverage considerations.
Our business plan acts as a project management document that helps our risk team track our goals and timelines on a continuous basis.
— Tribal Treasurer
Lac Vieux Desert Band of Lake Superior Chippewa Indians
Oneida Nation has a lot of partners.
— Tribal Risk Manager
I couldn’t do it without having our broker, M3.
Oneida Nation of Wisconsin
Knowing the programs out there for tribal entities was a huge relief.
— Tribally Owned Hotel Administration
The board switching to M3 was the best decision that they made.
The Oneida Radisson Hotel & Conference Center
Custom risk management solutions.
- Gaming and Business Enterprise Security Assessments
- Tribal Government & Municipality Safety Trainin
- Money Handling Protocols
- C-Store/Retail Operations Reviews
- Active Shooter Training
- Incident Report Development
- Emergency Management Response Reviews
- Cyber Liability
When the unthinkable happens, M3 clients can rely on their partnership with M3 to
move from crisis to command. M3’s Rapid Response & Recovery unit (R3) is a team with decades of hands-on, real-world crisis management experience.
Financial consulting
Our team has a deep understanding of retirement plans, fiduciary obligations, and the regulatory environments of tribal entities.
- 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.
— Tribal College Chief of Staff
College of Menominee Nation
