Insurance Coverage

  • Breach of Contract

    At the September 2014 AGM the membership voted in favor of expanding coverage to breach of contract which will take effect as of January 1, 2015.
  • Clarification of Commercial Marina Exclusion

    Local government marinas are covered by the Liability Protection Agreement only if it is not classified as a commercial marina.
  • Forest Fire Fighting Expenses Endorsement

    Under the LPA, the MIABC provides limited coverage for the costs of fighting forest fires. The Forest Fire Fighting Expenses Endorsement affords coverage for an insured party’s liability pursuant to s. 30(1) of the Wildfire Act.
  • Local Government Service Providers

    At the September 2014 AGM the membership voted in favor of expanding coverage to Associate Members which will take effect as of January 1, 2015
  • MIABC’s Pollution Liability Endorsement and Exclusion

    Under the Liability Protection Agreement, most pollution liability claims are excluded from coverage. However, there is an exception to the exclusion.
  • Recommended Minimum Limits of Insurance for Contracts

    The following document provides guidelines for minimum acceptable limits of various types of insurance that may be required for an activity or exposure, depending on the level of risk or type of contract.
  • Volunteer Fire Departments

    MIABC currently covers dozens of volunteer fire departments throughout B.C. However, some volunteer fire departments are not eligible for MIABC coverage because of the way that they are structured.
  • Volunteers

    Volunteers are a valuable resource for local governments and vital to all communities in British Columbia. The MIABC’s liability policy covers volunteers in the same way that our members’ employees are covered.
  • Water Penetration

    Resolution 2008 - 1 to the Liability Protection Agreement