The Association of California Water Agencies Joint Powers Insurance Authority, ACWA JPIA, is a partnership of water agencies dedicated to avoiding the high cost of commercial insurance. Formed in 1979, JPIA 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 into JPIA.