Creating value where it matters most

TIPI Group of Companies is Reconciliation in Action

By Industry West Staff


Canada is in the midst of a critical chapter in its history. The country is coming to terms with how it came to be what it is today and who was tragically and brutally impacted by the creation of the nation we call home. As we collectively acknowledge and address what can be done to rectify the past and move forward together, there is a company that has always embraced its inherent Indigeneity while serving its clients and living its Indigenous values every day.


Humble beginnings

Today known as the TIPI Group of Companies, the venture got its start in 1999 as an insurance brokerage working with traditionally underserved First Nations in Manitoba. “We identified that Indigenous communities were often underrepresented, oversold or had poor access to insurance,” says Janice Gladue, COO at TIPI Group of Companies. “The work began with Swampy Cree Tribal Council as a partner to start to build meaningful relationships with Indigenous communities and provide stronger access to insurance markets and coverages. Building capacity in the sector and creating wealth for First Nations were also key goals.” Little did they know that the idea would be revolutionary.


Fixing the gaps


TIPI and TIPI-IMI Insurance Partners worked to address the gaps in the insurance market to serve Canada’s Indigenous communities and peoples by embracing their culture. The company’s products and services are developed for and by the people who want them—whether you need a conventional policy or not, they can help.


“Traditional insurance coverage did not address the needs of Indigenous people,” says Gladue. “We sought the changes needed to make it work.” For example, typical insurance coverage requires that a property be rebuilt in the same location within one year of a loss such as fire or flood. In Indigenous communities, that is unrealistic for both cultural and logistical reasons. Indigenous culture does not look favourably on rebuilding on the exact spot of a loss, and often, materials and labour needed to rebuild take longer to arrive in communities. “We worked with industry partners to have these changes made to policies to allow for this,” says Gladue. “Some simple modifications made insurance coverage possible.”


The company also built capacity in the insurance sector for Indigenous insurance professionals to start and build careers in the industry. “Having professionals who are Indigenous providing services to Indigenous communities and families is also huge part of what we do as a company,” says Gladue. “Plus, our success always goes back to our community owners. We’re majority Indigenous-owned, and our profits go back to the people we serve to create even more success.”


Standing tall

TIPI has evolved over the last 20 years into the TIPI Group of Companies it is today. Part of the TIPI Group of Companies, TIPI Insurance Partners and TIPI-IMI Insurance Partners are the only Indigenous full-line insurance operations offering group pension, group benefits and property and casualty insurance in Canada. “We owe a lot to our original experienced, industry partners who shared their capacity to get us off the ground and sacrificed a lot to help us get going,” says Gladue. “Plus, our Indigenous partners kept their doors open to us and were always willing to have tough conversations.” TIPI Group also acquired Legacy Bowes, the well-known Manitoba-based human resources and recruitment firm in recent years—its latest move to build capacity while holding strong to its foundations as an Indigenous business leader.


Knowing what matters

Through all its growth, the company has held strong to its core values of trust, compassion, friendship, social responsibility and professionalism. “It’s hard to describe how we live our values because it’s just part of who we are. It’s in our DNA,” says Gladue. “I think of all of them, friendship is the one that makes us stand out. It’s part and parcel of our Indigenous roots.” TIPI’s commitment to friendship is more than building a relationship with a client. It’s about being there through the peaks and the valleys, and knowing that no matter what, you’re there for each other. “Friendship is when you’re there for the most difficult times, and in insurance, that’s when you’ll likely be dealing with us,” she says. “It’s just the way we do business.”


“We’re proud of our story so far, and I believe our clients are too,” says Gladue. “Everyone is welcome to engage and do business with us and to play a part in the next phase of the TIPI Group of Companies story. We’re built to serve and work with everyone.”


December 23, 2024
The innovative wholesale pension plan model is central to TIPI’s strategy, which optimizes financial savings through low investment management fees, leveraging its Indigenous identity. This unique approach fosters savings and champions independence within the framework of a collaborative plan design, offering its clients the best of both worlds. TIPI’s group insurance plans are dedicated to empowering its First Nations clients with industry-specific knowledge, fueling proactive conversations, and inspiring healthier lifestyles within communities. The company offers the TIPI Care Plan, which distributes different benefit lines across multiple insurance carriers as part of its commitment to personalized services. The TIPI Care Plan exemplifies personalized service by offering comprehensive benefits across multiple insurance carriers, ensuring affordability by offering the lowest possible rates per benefit line, and addressing critical health challenges, including substance management and the national doctor shortage. It has partnered with a program based in British Columbia to offer clients substance management services virtually, removing barriers and stigma associated with seeking help. TIPI provides access to healthcare providers with top-notch care, and members can access these services discreetly from their homes or during their lunch breaks in the office. In 2020, TIPI Group of Companies embarked on a strategic expansion, signifying its commitment to addressing the complexities of human resources by acquiring Legacy Bowes, a renowned HR consulting firm. This acquisition marked a milestone in TIPI’s journey toward enhancing its service offerings and underlining its dedication to meeting its clients’ evolving HR needs. Understanding the pivotal role of human resources in organizational success, TIPI introduced Legacy Bowes’ HR-On-Call service to clients on the TIPI Care Plan. This initiative provides plan administrators indispensable guidance, ensuring that clients receive the tailored support necessary to navigate the intricacies of human resource management effectively. Illustrating its commitment to talent’s professional growth and development, TIPI provides access to Legacy Bowes’ meticulously developed leadership and development training programs alongside executive search and recruitment services designed to nurture talent and promote organizational growth. Among these initiatives, its training division proudly offers a ‘Lateral Violence to Lateral Kindness’ program and Truth2Action: Reconciliation for Business, a truth and reconciliation awareness program, overseen by dedicated vice presidents. Beyond pension and benefits, TIPI operates another line of business in the property and casualty division, prioritizing Indigenous employment. This division extends comprehensive services from property coverage and community asset protection to commercial liability and Directors & Officers insurance. This positions TIPI as a distinguished brokerage that helps its clients manage risks and protect their most valuable assets. Recognizing the power of data, TIPI implemented its own CRM program to collect valuable data such as resolved claims, outstanding claims, and any complaints received. This data collection is essential to better-serving clients. TIPI believes in the power of teamwork when it comes to serving its clients. Its team members come from diverse insurance backgrounds, providing prompt and knowledgeable client assistance. 100 percent of TIPI’s pension and benefits team of nine brokers identify as First Nation, reflecting its dedication to supporting and providing opportunities to Indigenous professionals. TIPI’s personal care for its clients and plan members cannot be overstated. In one instance, the company assisted a member who had tragically passed away in an accident. During this challenging time, TIPI personally helped facilitate the accidental death claims and pension claims processes. This involved the timely completion of claim forms, liaising with the medical examiner’s office to submit the necessary information to the carrier, and advising the client on managing the funds received. Additionally, the company guided the widow in handling the remaining pension assets. TIPI’s pension and benefits division is a testament to its expansive reach. By prioritizing the empowerment of its members and fostering strong relationships with First Nation partners, TIPI expands its presence across the country and champions a more inclusive and informed approach to retirement planning and benefits management. This article was original published in the Top Benefits Administration Services Providers in Canada 2024 by Manage HR Magazine.
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