The Association of Bermuda Insurers and Reinsurers (ABIR) represents the public policy interests of Bermuda’s international insurers and reinsurers that protect consumers around the world. With headquarters and operations in Bermuda and operating subsidiaries in the United States, United Kingdom and Europe, these carriers do business in more than 150 countries. Since 1993, ABIR’s advocacy and achievements have helped raise the global profile of Bermuda as a whole, underscoring the jurisdiction’s reputation as a top-tier international financial centre. Strategically deploying capital to underwrite and manage global risk for over 30 years, Bermuda insurers have built what can only be called the World’s Risk Capital - a reference to the innovation, entrepreneurialism and leadership of Bermuda re/insurers and the Bermuda government that has fostered the growth of this industry. Energized by innovation and fueled by grit and determination after Hurricane Andrew, risk pioneers in Bermuda planted the seeds for an insurance market that would ultimately be known globally for its reliable, responsible, highly-regulated and well-resourced approach to risk management. These pioneers joined forces as a collective voice by forming the ABIR. The results have been remarkable. ABIR member companies have built a market with international dominance in natural disaster coverage—the most basic insurance needs for consumers—and innovative approaches to provide re/insurance protection for nearly every other defined risk. In a relatively short period and with unparalleled scale, Bermuda’s insurers and reinsurers have supported US, UK and EU consumers with over a half a trillion dollars to rebuild after devastating losses in the past 20 years alone. Bermuda has continued to show it is the place to deploy capital against risk in a manner that is effective and efficient with speed-to-market motivation and innovation while meeting the future needs for next-generation risk transfer.