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BMA Insurance, Inc.
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BMA Insurance was formed in 1999 by Ben Manuelito, President and CEO. His 22 years of experience with America's largest Indian tribe (Navajo Nation) provides invaluable expertise for other tribes.
BMA Insurance is an Indian-owned economic enterprise.
BMA Insurance develops insurance products for American Indian Tribes and Tribal Organizations, arranges adequate and sound insurance coverage with an emphasis on preserving tribal sovereignty; and is available for consulting to assist tribes with planning comprehensive insurance programs.
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Our Mission: "To assist American Indian Tribes and Tribal organizations with outstanding insurance services."
BMA Insurance assists Indian Tribes to minimize the cost of insurance to ensure coverage correlates with their sovereign activities.
To accomplish this mission, BMA Insurance must:
Seek Indian Tribes and Tribal organizations who value long-term relationships. Focus on our proven capabilities of risk assessment, loss prevention, loss control, and claims cost control. Forge strong partnerships with stable, financially secured providers of insurance and claims administration services who subscribe to the value of long-term relationships. Focus on areas of specialized expertise.
Our Strategy: Assess the tribal insurance program. Assist in developing tribal insurance strategy. Develop reporting system to key tribal officials on insurance strategies. Inform tribal officials on insurance improvements. Implement approved insurance programs. Advise in training tribal staff on insurance matters.
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BMA Services At a Glance: Traditional insurance placement for workers' compensation, property, general liability, and automobile coverage, surety/performance/fidelity bonds, inland marine, boiler & machinery, professional liability, errors and omission/Tribal Council protection, and entertainment/gaming.
BMA Insurance has developed a Package Program for Indian Nations that includes most coverages common to the operations of tribal governments and tribal enterprises.
BMA Insurance is familiar with the Federal Tort Claims Act and how proper management of insurance coverage can promote savings of American Indian tribes' insurance premiums.
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Employee Benefit Programs: Life insurance, burial insurance, accidental death & dismemberment, health and medical coverage (specializing in self-insured plans), short term and long term disability, long term care insurance, dental insurance, vision care, and pension plans.
BMA Insurance has formed alliances with certain claims administration organizations that have experience with Indian Country and are familiar with the diversity and culture of American Indian Tribes.
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BMA Insurance has not limited the extent to which our services are utilized. We have avoided the limitations of so many hours and additional costs. These limitations tend to create friction and misunderstanding that can be detrimental to the establishment of a true partnership arrangement. Instead, we trust the discretion of each Tribe in utilizing our services in a realistic and equitable manner. Our intent is to provide a wide range and extent of service on a competitive basis. This level of service is also intended to assist each Tribe by easing some of the burden caused by budget contraints.
BMA Insurance will coordinate, direct and ensure delivery of all day-to-day services for each Tribe. Oversee communications with all service partners. Provide a central point of control for marketing, loss control, claims coordination and other risk management services. Prepartion of renewal specifications. Maintenance of policies. Issuance of invoices and premium statments. Issuance of binders, certificates of insurance, auto ID cards. Policy changes including endorsements. Reviewing the activities of the TPA or insurance company claim adjusters, assisting in disputes and verifying charges. Performing periodic file reviews and reserve analysis. Assisting/consulting on difficult claims. Training interface and support. Retention and excess level analysis. Contract review. Certificate Management.
Phone: 928.871.3401 Fax: 928.871.3412
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