Free Insurance & Risk Audit for Indigenous Organisations

As a Foundational Partner of First Nations News, Aviso Specialty is offering a complimentary, confidential Insurance and Risk Audit for Indigenous organisations and corporations, ahead of your next renewal.

This is not a generic broker review. Our team brings a deep understanding of how Indigenous organisations and corporations operate across governance, community programs, funding agreements, land management, cultural activities and remote service delivery.

This helps to ensure you are reviewing your insurance coverage and risks in full.

Why review before renewal?

Many organisations roll over policies each year without knowing:

• Where cover no longer reflects your operations and activities
• Which exclusions could block a claim
• Whether limits still align with funding, contracts and/or growth
• If new risks have emerged (e.g. transfer of assets, cyber, governance, volunteers, events)
• Whether Elders, Directors and volunteers are properly defined

Insurance often becomes the gatekeeper to opportunity – potentially affecting tender eligibility, funding compliance and board confidence.

A short pre-renewal audit gives you time to fix issues before renewal - not discover them after a loss.

What you receive

1. Green / Amber / Red Risk Snapshot

A clear, visual overview of your insurance and risk position:

All designed to be understood in minutes by management and the board.

2. Insurance & Risk GAP Analysis

We identify:

• Coverage gaps and/or overlaps
• Key exclusions and restrictive wordings
• Under- or over-insurance
• Contractual and funding exposures/considerations
• Governance and management liability risks
• Risk controls that may reduce premiums or strengthen claims defensibility

All findings are explained in plain language - not broker jargon.

3. Recommended Actions

Immediate (Before Renewal)

• Address red-rated gaps
• Review limits and exclusions
• Update declarations and disclosures

Next 90 Days

• Strengthen risk controls
• Align insurance with funding agreements
• Improve documentation and reporting processes

Strategic / Long-Term

• Annual structured insurance review framework
• Board-level risk visibility reporting
• Integrated governance alignment