The Municipal Insurance Association is a member-owned and operated risk pool. Founded in 1987 by 144 B.C. local governments its mission has been to provide: broad liability coverage for its members’ financial security; stable insurance costs; and stable risk management education and resources for members. The MIABC was born in the midst of a crisis in the mid-1980s and has done an admirable job of addressing the challenges faced by B.C.’s local governments when they were abandoned by the commercial liability insurance industry. The association is dedicated to delivering stable, low cost liability insurance and risk management services to its members. Community is essential. In many respects, it is at the very heart of humanity, serving as the glue that holds it together and the power that propels it forward. When a community is thriving, it not only reflects its members, but also gives back to them, providing a profound sense of belonging, security and purpose. To propel communities forward and keep them investing in themselves, the Municipal Insurance Association of British Columbia (MIABC) invests in the communities of British Columbia. Each day, through every piece of advice shared, every outreach program offered, every insurance policy written, our organization proudly declares that what makes each community unique is worthwhile, empowering the communities that are at the very heart of our province and the people who are the heart of those communities.