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2016 | Q4 AMERINDRisk.org AMERIND Risk Institute: Preparing Indian Country PAGE 4 Community Outreach PAGE 6 AMERIND Risk Protects Your Most Valuable Asset PAGE 9 2017 AMERIND Risk Poster Contest PAGE 11
WHO WE ARE
AMERIND Risk Board of Directors AMERIND Risk
Chairman of the Board About AMERIND Risk is the only 100% Tribally owned
Greg Borene insurance solutions provider in Indian Country.
Enterprise Rancheria of the Estom Yumeka Maidu Tribe Over 400 Tribes united and pooled their
resources to create AMERIND Risk to keep
money within Indian Country.
Mission “Tribes Protecting Tribes”
Products Native American Homeowners and Renters
Program
Addresses the unique needs of our tribal citizens,
living in Indian Country. Insuring your home,
including your mobile home or traditional home
is our priority. Over 65,000 tribal families are
protected by AMERIND Risk.
Tribal Governments and Businesses
Susan M. Wicker Designed to provide property and liability for
Region 1 Tribal Governments and Business enterprises
Poarch Band of Creek Indians
located in Indian Country.
Jane Barrett Tribal Workers’ Compensation
Region 2
Red Lake Nation The tribal alternative to state workers’
compensation.
Sharon Vogel
Region 3
Cheyenne River Sioux Services AMERIND Benefits - Employee Benefits
Solutions
Providing customized employee benefits
Gary Joiner packages, streamlines benefits enrollment and
Region 4
Chickasaw Nation implementation.
AMERIND Critical Infrastructure
Lafe A. Haugen
Region 5 Assisting Tribal Nations develop and deploy
Northern Cheyenne Indian Reservation the most important 21st Century critical
infrastructure – high-speed “broadband” internet.
Ron Ryan
Region 6
Metlakatla Indian Community Executive Derek Valdo (Pueblo of Acoma)
Officers Chief Executive Officer
LeeAnn Brown
Region 7 Geoffrey C. Blackwell (Muscogee (Creek) Nation)
Tuolumne Rancheria Chief Strategy Officer / General Counsel
Floyd Tortalita Ken Black
Region 8 Acting Chief Operating Officer
Pueblo of Acoma
Robert Dahl
Olen Harris Program Manager
Region 9
North Pacific Rim
Connect TribesProtectingTribes.com
With Us AMERINDRisk.org
(505) 404-5000
2 • AMERIND Risk Alarm • 2016 Q4 www.TribesProtectingTribes.com
PERSPECTIVE
Contents
2 Who We Are
3 Perspective – CEO Message
4 AMERIND Risk Institute:
Preparing Indian Country
6 Community Outreach Derek Valdo
Chief Executive Officer
9 AMERIND Risk Protects Your
Most Valuable Asset
11 2017 AMERIND Risk Poster
Contest Guuwaadzi’ Haubaa. Our core values at AMERIND Risk embody
As we wrap up 2016, safety, protection community investment through outreach
13 Home Safety and reliable service continue to be our and education to our members. Each
utmost commitment for our customers year, as well as in 2016, we support tribal
14 Workplace Safety organizations such as NAIHC, NICWA
now as it has been during the past 30
years. We have long held our core values and NCAI. Our outreach also includes
Disclaimer: contributing to housing authority safety
The content within this publication is and business in our hearts so that we may
be here as long as tribes need us. fairs, educational scholarships and youth
for informational purposes only. We events to assist Native youth in Indian
do not guarantee that the content will Since our humble beginnings in 1986, Country.
prevent any accidents or injuries. our success has been based on the faith
of you, our founders and tribes; you, our Also, we host an annual golf tournament
loyal members and customers; and you, to aid uninsured tribal homeowners
our new members who enjoy our services. after a fire, flood or other catastrophic
Our success is also based on the foresight, event. Please join us next year for the
sound financial decisions, and the hard 13th Annual Protecting Tribal Families
work of our dedicated Board of Directors Golf Fundraiser on April 27, 2017, at the
and staff. We wouldn’t be where we are Twin Warriors Golf Club in New Mexico.
today without your input and feedback to Additionally, you all are invited to attend
build an effective, sustainable organization. our annual convention, hosted jointly with
AMERIND Risk It is with this collective mindset that we the National American Indian Housing
celebrated our 30 years in Indian Country Council (NAIHC), June 27-29, 2017, in
AMERIND Risk Nashville, Tennessee. We look forward to
in 2016, and will continue to build upon
502 Cedar Drive seeing you.
this foundation for the next 30 years.
Santa Ana Pueblo, NM 87004
Our 30th year anniversary celebration On behalf of the Board of Directors
Phone: 800-352-3496 and staff, we wish you a happy, healthy
Fax: 505-404-5001 in Hawaii was one of the most attended
annual conventions to date. We honored holiday season and a safe New Year. We
www.TribesProtectingTribes.com are committed to your needs and thank
Chairman Phil Bush, who served two
consecutive terms as Board Chairman, you for your support in 2016. We look
Subscribe to the Alarm and Other forward to serving you in 2017, as we work
Notices: Subscribing to the AMERIND and welcomed Greg Borene as our new
Board Chairman. together to provide affordable, sustainable
Risk Alarm is free. To receive news and insurance to our Native communities and
events by calling 800-352-3496. Also in 2016, we launched our new businesses. Thank you for believing in
business, AMERIND Critical Infrastructure Tribes Protecting Tribes.
Advertise in the Alarm: Contact (ACI), to provide support and financial
Minerva Diaz to request rates and means to tribes that would like to bring Thank you again for your loyalty.
specs for all AMERIND Risk print and high-speed Internet or broadband to their
digital publications. Minerva can be communities. Adding this service will help
reached at bring tribes into the 21st Century and
boost education, telemedicine, economic Derek Valdo, CEO
MDiaz@AMERINDRisk.org AMERIND Risk
development and overall communication
800-352-3496
needed in so many Native nations.
Property. Liability. Workers’ Compensation. Employee Benefits. Broadband. 2016 Q4 • AMERIND Risk Alarm • 3
PROACTIVE LEADERSHIP
AMERIND Risk
Institute: Preparing
Indian Country
2016 Institute Wraps Up
as a “SOLD OUT” Highly
Successful Event
The 16th annual AMERIND Risk Institute Gloria Lomahaftewa, Community
rose to expectations as more than 175 Service Administrator for the Hopi
people attended the yearly gathering Village of Kykotsmovi in Arizona.
designed to encourage learning,
training and information on protecting “I really enjoyed that,” said Lomahaftewa,
Tribal communities. who oversees human resources for
Kykotsmovi. “I also enjoyed attending
The 2016 event, held October 4-5 at the employee benefits session. Overall,
the Sandia Resort & Casino on the the sessions that I did participate in, I
reservation of Sandia Pueblo, N.M., learned from each one of them. Every
offered topics on tribal workers’ one of the AMERIND Risk employees
compensation, claims, home and that I met was also very helpful in
workplace safety. providing guidance and information. I
want to commend the staff in regards
Fires caused $48 million in damages to to outreach, interaction and support
tribal property covered by AMERIND to conference participants.”
during the past five years, according to
a company analysis. A majority of these Lomahaftewa and Chris Rusk, housing
fires were preventable. “Electrical Fire inspector from Lac Courte Oreilles
Safety and Prevention” presented by were treated to a special hot air
the AMERIND Safety Team highlighted balloon ride during the Institute as the
how fire prevention and safety should winners of the balloon ride drawing.
be practiced every month. “The balloon ride was a once in a
lifetime experience. Also, I learned so
In addition to the sessions, more much on how AMERIND serves Indian
than 20 exhibitors displayed their Country, I’m looking forward to the
products and services, such as next AMERIND conference,” said Rusk.
general contractor’s/restoration The Institute event coincides with the
companies, software data and financial Albuquerque International Balloon
management groups. Virtus Group, Fiesta.
BOK Financial Corporation, and
Interstate Restoration were among the AMERIND created the Institute in
exhibiting sponsors. 2000 to provide a forum for training,
information sharing and support
One of the popular sessions, the for tribal administrators overseeing
AMERIND Claims Family Feud, where property and human resources.
contestants answered questions about Primary topics include workers’
insurance to compete for prizes based compensation, insurance claims and
on the TV game show “Family Feud,” other information to protect tribal
was a fun way to educate people on property and workforce.
claims procedures, said participant
4 • AMERIND Risk Alarm • 2016 Q4 www.TribesProtectingTribes.com
Helping You Get Back to Life
Interstate is an emergency restoration and
general contractor company specializing in
repairing commercial and residential properties
nationwide. We make coping with a disaster
more manageable by providing one place for
all your emergency restoration, construction
defect and property damage consulting needs.
Contact Stewart Shaver directly
at 602–545–9733.
800–622–6433
24-Hour Emergency Response
InterstateRestoration.com
GIVING BACK
AMERIND Risk Gives Back to Improve All Lives in
Indian Country: More than just an Insurance Provider
In 2016, AMERIND Risk reinvested in numerous Native organizations that assist Tribes. This year alone we contributed almost $500,000
for advocacy, community outreach, and scholarships directly for Tribes. We are committed to protecting our Tribal communities by
putting money to work for Tribal sovereignty and self-determination.
We take pride in being more than just an insurance provider and we look forward to continuing the legacy of supporting “Tribes
Protecting Tribes”.
AMERIND Risk supported the following national Native organizations:
• National American Indian Housing Council (NAIHC) • National Indian Justice Center Inc.
• National Center for American Indian Enterprise Development • National Native American Human Resources Association
(NCAIED) (NNAHRA)
• National Congress of American Indians (NCAI) • Native American Finance Officers Association (NAFOA)
• National Indian Child Welfare Association (NICWA) • Native American Rights Fund (NARF)
• National Indian Education Association (NIEA) • Notah Begay III Foundation (NB3)
Community Outreach:
• All-West Native American Youth Association • Nez Perce Tribal Housing Authority
• American Indian Alaska Native Tourism Association • Northern Cheyenne Tribe
• Affiliated Tribes of Northwest Indians • Northern Circle Indian Housing Association
• Americans For Indian Opportunity • Oglala Lakota Veterans of the US Armed Forces
• Aquinnah Wampanoag Tribal HA (Bar Harbor Symposium) • Pueblo of Acoma Governor’s Event
• Arlee Esyapqeyni Celebration • Pueblo of Acoma Housing Authority
• Association of Village Council Presidents • Pueblo of Jemez-Education Fund
• Bad River Housing Authority • Quartz Valley Indian Reservation
• Bishop Tribe Community Development • Red Cliff Tribe
• Coalition to Stop Violence Against Native Women • Santa Ana Star Benefit
• Confederated Salish & Kootenai Tribes • Southern Plains Indian Housing Association
• Eight Northern Indian Pueblo Council • Southwest Native American Veterans Association
• Hoopa Valley Housing Authority • Spokane Indian Housing Authority
• Hualapai Housing Department • Sault Ste Marie Tribe
• Indian Pueblo Cultural Center • Standing Rock Housing Authority
• Jason G. Montoya (Golf Clinics) • Standing Rock Sioux Tribe
• Kaibab Band of Paiute Indians • South Dakota Native Homeowners Coalition
• Lac Courte Tribal Housing Authority • Travois Affordable Housing Conference
• Lakota Dakota Nakota Language Summit - Tusweca Tiospaye • Tribal Tech LLC. (First Kids 1st)
• Little River Band of Ottawa Indians (Risk Conference) • Uniting Native Minds – UNM Foundation
• Lower Elwah Klallam Tribe • Walker River Housing Department
• Modoc Lassen Indian Housing Association • Zia Student Donation
• Nevada California Housing Association • Zuni Housing Authority Events Committee
Scholarship Programs Funded:
AMERIND Risk allocates $5,000 annually to each of our nine Regional Housing Associations for educational scholarship programs. Each
Regional Association identifies and supports programs that return the most value to our Native American communities and Alaska Native
Villages.
• United South & Eastern Tribes • Nevada California Indian Housing Association
• Great Lakes Regional Housing Association • Southwest Tribal Housing Alliance
• All West Native American Youth Association • Association of Alaska Housing Authorities
• Northwest Housing Association
For more information about our Scholarship Program, visit our website at AMERINDRisk.org
or contact Karen Lonjose, Finance Team Lead, at (505) 404-5000.
6 • AMERIND Risk Alarm • 2016 Q4 www.TribesProtectingTribes.com
1-855-5Virtus
www.TheVirtusTeam.com
GROUP
176 Triple Diamond Blvd. 23955 E. Highway 51
N. Venice, FL 34275 Broken Arrow, OK 74014
Virtus Group is proud to partner with
AMERIND Risk Management Corporation
AMERIND Risk and Virtus have partnered on multiple
projects including, Emergency Services, Mitigation, and
Reconstruction services on both residential and commercial
losses and has made a dedicated commitment to service
the needs through our specialty team.
24 Hour Emergency Drying and Dehumidification
Response Mold Remediation
Water Mitigation – Commercial and Residential
Extraction and Drying Reconstruction and Roofing
AMERIND-2015-AD.indd 7 4/28/2015 1:09:47 PM
ON THE COVER
We’re Committed To
You And Indian Country.
Relationships are important in Native American culture. They’re important to
BOK Financial as well. Located in Arizona, Colorado, New Mexico and Oklahoma,
you have more than 50 years of experience and advice at your fingertips with
our Native American Services team. As a $29 billion regional financial services
company, BOK Financial has the capacity to assist you and is committed to
helping you succeed.
So, give us a call, or better yet, let us come see you.
Lending | Cash Management | International Services
Retirement Plan Services | Corporate Trust | Wealth Management
505.222.8555 | www.bokf.com
© 2015 BOK Financial Corp. Services provided by Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas and Colorado State Bank and Trust, divisions of BOKF, NA, member FDIC, equal housing
lender. BOKF, NA is a division of BOK Financial Corporation.
Investments and insurance are not insured by the FDIC; are not deposits or other obligations of, and are not guaranteed by, any bank or bank affiliate. All investments are subject to risks, including possible loss of principal.
OUR COMMUNITY
AMERIND Risk Protects Your Most Valuable Asset:
Your Home In Indian Country
When Alan Romero, director of the can burn up in a matter of minutes AMERIND Risk also prides itself on
Claims Department at AMERIND Risk on some reservations, especially those providing coverage to owners of
talks about his job, it’s clear that he’s that lack community fire hydrants or traditional structures like Navajo
proud of what he does at the nation’s are located several miles away from hogans or adobe homes. AMERIND
only 100 percent, Native-owned the nearest fire department. also provides coverage for mobile
insurance company. The outgoing, homes. These types of coverages are
friendly director loves to meet with Obtaining homeowners insurance is almost unheard of in the commercial
clients and tribal representatives to one of the best ways to protect your insurance industry.
tout the tailor-made services to meet home and belongings from substantial
sovereign tribal needs. out-of-pocket loss. Depending on When you get a policy, knowing what
the insurance plan, some policies your insurance covers and the value
However, some of the circumstances in cover reconstruction of the entire amounts will be more than peace of
which he meets people aren’t always home, minus a deductible, and its mind if that time of emergency comes.
the best. “It breaks my heart when I go belongings, including appliances,
into a community and discover that a clothing and furniture. Some plans A home is likely one of the most
homeowner whose house just burned will also include medical coverage valuable possessions that families have
down didn’t have home insurance. if you get hurt during a fire or other — buying an insurance policy that fits
Some of them have regalia or other dangerous occurrence while in your a family’s needs at a reasonable price
sentimental items, passed down from home. Coverage can also include can be as much as a 50-inch TV in
generations that were lost.” items such as regalia, pottery, jewelry, some cases.
guns or other items of value.
An average of 357,000
residential fires occur each
year, according to the
National Fire Protection
Association. Fires caused
$48 million in damages to
tribal property insured by
AMERIND during the past
five years. A majority of
these were preventable, said
AMERIND Safety Manager
Kenneth Ruthardt.
No matter how careful
people are in their own
homes disaster can strike at
anytime, especially in remote,
wooded areas prone to
*
wildland fires. Some homes
*Arson reward limited to houses insured by AMERIND Risk
Property. Liability. Workers’ Compensation. Employee Benefits. Broadband. 2016 Q4 • AMERIND Risk Alarm • 9
MEMBER NOTICE
2017 AMERIND Risk Poster Contest
Looking for something for the kids to do bringing awareness to the older generation to see when the housing authority will
over Christmas break? Get their creative on what to do, making sure everyone is begin to accept submissions. Winners
energy going to prepare an entry for the informed about safety measures.” from the nine regional housing authorities
annual AMERIND Risk poster contest. will be judged in May. The finalists will then
Taking preventative measures in your home go onto AMERIND Risk’s national contest
Regional housing authorities, Tribal not only saves lives but premiums. Taking where the finalists’ work will be judged
Designated Housing Entities, and precautions, such as annually changing online. One poster in three categories,
AMERIND Risk are getting ready for the batteries in smoke detectors, never putting grades K through 3, 4th through 6th and
annual contest that helps promote safety water on a grease fire or talking with your 7th through 8th, will be announced as the
in our communities. Students in grades K children about the dangers of playing with grand prize winners during AMERIND’s
through 8th have an opportunity to win a matches, will help keep families safe and annual meeting in June and be awarded
$1,000 cash prize. save property. Fires obviously cause some a $1,000 check.
of the most disruption and damage to a
“It can be on any safety topic — distracted family, causing $48 million in damages to For more information about entering
driving, stop, drop and roll, or don’t play tribal housing and property during the the contest, contact your local housing
with matches,” Safety Manager Kenneth past five years, according to a company authority or TDHEs. To see last year’s
Ruthardt said, adding that when the analysis. winners, go to www.AMERINDRisk.org/
posters are created “you bring awareness poster-contest/.
to the younger generation. You’re also Check with your regional housing authority
2016 K-3 Winner
Kaylee Lussier
Red Lake
Property. Liability. Workers’ Compensation. Employee Benefits. Broadband. 2016 Q4 • AMERIND Risk Alarm • 11Home fires occur more in winter than in any
other season. As you stay cozy and warm
this winter season, be fire smart!
Keep portable generators outside, away from
windows, and as far away as possible
Half of all home heating fires from your house.
occur in the months of
Install and test carbon
monoxide alarms at least
once a month.
Have a qualified professional clean and inspect
your chimney and vents every year.
Heating equipment
is involved in 1 6 in
every Store cooled ashes in a tightly
covered metal container, and
keep it outside at least
reported home
fires and 1 in
every 5 home
fire deaths.
10 feet
from your home and
any nearby buildings.
Keep anything
that can burn at
least
Plug only
1 heat-producing
appliance (such as a space
heater) into an electrical outlet at a
3
time.
feet from any heat
source like fireplaces,
wood stoves, radiators, or
space heaters.
For more information on how to prevent winter fires, visit
www.usfa.fema.gov/winter and
www.nfpa.org/winter.HOME SAFETY
Being Aware
of the Signs of
a Gas Leak can
Save Lives
Gas leaks can occur at any time, but
knowing what to look and smell for
can help prevent loss of property and
life.
Safety Manager Kenneth Ruthardt
suggests checking to see if the burners
are off if you need to leave the house.
He also says that if someone suspects
there is a gas leak, don’t turn on the
lights or it will cause a spark.
“If the home is in a development, you
definitely want to get out of the house
and possibly notify your neighbors
as avoiding overloading an electrical your gas stove are turned off.
as well,” states Ruthardt, adding that
outlet or throwing a rug on a cord.
safety first is always the best rule of • If the stove is off and you suspect a
“That will catch fire,” Ruthardt said.
thumb. leak, don’t turn on the lights. It could
What to do if you hear the hiss of a spark and cause an explosion.
Ruthardt said it’s also a good idea to
gas leak, or catch a whiff of a rotten
have a carbon monoxide detector in • Open all the doors and windows to
egg smell?
the house. Many home improvement ventilate the house.
stores sell smoke and carbon • If you notice something wrong like
monoxide detectors as a package. sparks or flames, evacuate your • If you notice your grass or shrubs
house immediately and call 911 once suddenly changed color, looking
Despite how you heat your home, more brown or rusty, that could be
you are at a safe distance.
whether it’s with gas or an electric a sign of a leak: the gas pouring
space heater, always make sure you • If you don’t notice anything obviously out of the pipes. If you see any of
use the device or utility correctly, such wrong, make sure all the burners on these things, make sure to call 911
immediately and then call the gas
company.
• If you have turned the gas off in your
home, do not try to turn it back on
yourself; call the gas company to do
that for you.
Property. Liability. Workers’ Compensation. Employee Benefits. Broadband. 2016 Q4 • AMERIND Risk Alarm • 13WORKPLACE SAFETY
Preventing Workplace Violence:
What Employers Need to Know
Workplace violence is violence or the Identifying and responding to threats
threat of violence against workers, of workplace violence are some ways
according to the U.S. Department of to prevent incidents. Some of the signs
Labor. These incidents can happen include:
inside or outside the workplace and • Not arguing with agitated people,
• Coworkers, customers, or others
can range from threats and verbal telling them they’re wrong to be
who threaten to get even
abuse to physical assaults and upset, or raising your voice.
• People who start blaming others for
homicide. The incidents can stem from • Never respond to an angry person’s
problems
various people including co-workers, behavior with anger. This will only
• People who talk excessively about
former employees, clients, customers, escalate the situation and make it
violence in the news, in the movies,
patients, vendors, delivery people, worse.
on TV or about weapons; and
friends and family of employees or • People who hold grudges Think about how you should respond
ex-partners. It can also come from in a potentially violent situation to
criminals and terrorists. Immediate threats to be aware of
help defuse the situation and protect
include:
There are several different causes of yourself and your workplace. Other
workplace violence. Employee-related • Coworkers, customers, or others measures include:
violence is caused when someone who make verbal threats or
• Using security cameras, silent alarms,
reacts to a trigger in a violent manner. threatening moves
and other security equipment to
These triggers are often related to • People who raise their voice; and
protect employees.
something going on in the workplace. • People who use abusive language
• Keeping doors locked, especially
For example, when a business struggles Using the proper procedures for places where the public enters.
and needs to lay off employees, those reporting threats or violent incidents Never let any unauthorized people
laid off can be angry, and some could will help mitigate a possible escalating enter the workplace.
react violently. situation. First, remain calm and speak • Keeping the workplace well lit
Other examples include employees in a moderate tone of voice and inside and out to discourage crime
who are fired for disciplinary or other show respect to people even when and other potential violence, and
reasons may also become violent— they become upset. Then focus on reporting any broken or burned out
either at the time of firing or later. Or the problem by asking for details lights to maintenance.
current employees who are warned about the situation and going over • Establishing procedures for
about bad behavior may have a possible solutions. If you still feel the reporting problem behavior on the
negative and violent reaction. Perceived person could become violent, alert a part of coworkers, customers and
unfairness could also lead to violence coworker with a prearranged danger others.
in some situations. For example, if one signal. Other tips include: • Encouraging employees to learn
employee was promoted over another • Reporting any threats of violence or conflict resolution techniques to help
who believed he or she deserved the situations in which you feel unsafe deal more effectively with situations
promotion more. Either the promoted around another person. No action that could erupt into violence.
employee or the supervisor who did can be taken to prevent future Think about security measures in the
the promoting could be the target of threats if Human Resources doesn’t workplace and how they help protect
violence. know about the ones that have you from workplace violence.
occurred.
14 • AMERIND Risk Alarm • 2016 Q4 www.TribesProtectingTribes.com502 Cedar Drive Santa Ana Pueblo, NM 87004 www.TribesProtectingTribes.com
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