The Association of California Water Agencies Joint Powers Insurance Authority – ACWA JPIA for short – is a partnership of water agencies dedicated to avoiding the high cost of commercial insurance.

Formed in 1979, JPIA is not an insurance agency or carrier. It is a risk-sharing pool for property, liability, workers’ compensation and employee benefits, which allows for more rate stability, broader coverage and expanded benefits and services than private insurance.

Our offerings are unique to the water industry; member agencies themselves – their directors and managers – have selected and refined the various programs. Only agencies that demonstrate a commitment to effective risk management programs are accepted in to JPIA.

The JPIA is a secure, stable and cost-effective alternative for protecting the assets, liabilities and employees of public water agencies.

The JPIA’s nearly 400 member agencies enjoy:

  • Risk management services such as site assessments, injury and illness prevention programs, noise surveys, ergonomic evaluations and Cal/OSHA regulatory compliance

  • Training on a variety of loss prevention topics, an extensive safety video lending library, a risk control manual, monthly safety bulletins and access to other tools at no additional cost

  • Guidance on personnel policies and procedures

  • Handling of covered claims

  • An annual refund of any excess funds and investment income


ACWA JPIA was first formed by water agencies across California back in 1979 to provide risk-sharing pools. Like its members, it is a special district subject to the California Government Code, including the Brown Act. 

Today, ACWA JPIA meets the needs of its members for property, liability, workers’ compensation, and employee benefits coverage. In addition, members receive assistance with training, personnel policies and procedures, developing job descriptions and employee handbooks.


Unlike commercial insurers, ACWA JPIA has no stockholders, no profit margin and no sales commission to get in the way of the service we provide to our members. With no income taxes, premium taxes and property taxes, we are able to return money from excess funds and investments to the member agencies, instead of retaining it as profit.


The ACWA JPIA is dedicated to consistently and cost effectively providing the broadest possible affordable insurance coverage and related services to its member agencies.


The core values of an organization are those values we hold which form the foundation on which we perform work and conduct ourselves. We have an entire universe of values, but some of them are so important to us that throughout the changes in society, government, politics, and technology, they are STILL the core values we will abide by. In an ever-changing world, core values are constant. Core values are not descriptions of the work we do or the strategies we employ to accomplish our mission. These values underlie our work, how interact with each other, and which strategies we employ to fulfill our mission.