Civic Intelligence

North Carolina Insurance

EIN 23-7102759 • 501(c)6 • Raleigh, NC

Profile

In 1969 the north carolina general assembly established the association as a market of last resort to provide property insurance in the beach and coastal areas of north carolina for individuals and businesses who are unable to buy it in the standard insurance market. All property and casualty insurance companies doing business in north carolina are required by statute to participate in funding the operations of the association, and they share in its losses on pro rata basis. The association is not an agency of the state government, but its regulated by the north carolina commissioner of insurance.

751 Corporate Center Dr 200Raleigh, NC 27607

www.ncjua-nciua.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

42nd percentile

0.25x

Higher debt load relative to assets than 42% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Liabilities / Revenue

56th percentile

0.81x

Higher debt load relative to revenue than 56% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Net Margin

89th percentile

44%

Higher net margin than 89% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Top Officer Pay

21st percentile

$614,392

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

$1B+ nonprofits • Source year 2024

Asset Growth

89th percentile

21%

Faster asset growth than 89% of similar nonprofits.

$1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

80th percentile

28%

Faster revenue growth than 80% of similar nonprofits.

$1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$1,834,664,043

Up $593,618,781 (+48%) from 2022

Liabilities

Up

$463,705,242

Up $141,574,084 (+44%) from 2022

Net Assets

Up

$1,370,958,801

Up $452,044,697 (+49%) from 2022

Operations
Liabilities / Revenue56th percentileNet Margin89th percentile

Revenue

Up

$570,779,362

Up $212,981,623 (+60%) from 2022

Expenses

Up

$316,794,661

Up $132,054,542 (+71%) from 2022

Net Income

Up

$253,984,701

Up $80,927,081 (+47%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0B$1.5B$1.0B$500M$0Assets 2010: $907,641,641Liabilities 2010: $189,133,795Net Assets 2010: $718,507,8462010Assets 2011: $937,732,952Liabilities 2011: $305,723,000Net Assets 2011: $632,009,9522011Assets 2012: $971,253,201Liabilities 2012: $258,199,180Net Assets 2012: $713,054,0212012Assets 2013: $1,065,562,770Liabilities 2013: $224,108,386Net Assets 2013: $841,454,3842013Assets 2014: $1,210,197,349Liabilities 2014: $232,986,184Net Assets 2014: $977,211,1652014Assets 2016: $1,543,383,621Liabilities 2016: $238,519,102Net Assets 2016: $1,304,864,5192016Assets 2017: $1,751,460,368Liabilities 2017: $208,334,002Net Assets 2017: $1,543,126,3662017Assets 2018: $1,064,688,165Liabilities 2018: $463,153,067Net Assets 2018: $601,535,0982018Assets 2019: $851,036,289Liabilities 2019: $336,379,813Net Assets 2019: $514,656,4762019Assets 2020: $878,002,625Liabilities 2020: $287,384,883Net Assets 2020: $590,617,7422020Assets 2021: $1,027,510,560Liabilities 2021: $285,969,902Net Assets 2021: $741,540,6582021Assets 2022: $1,241,045,262Liabilities 2022: $322,131,158Net Assets 2022: $918,914,1042022Assets 2024: $1,834,664,043Liabilities 2024: $463,705,242Net Assets 2024: $1,370,958,8012024

Highlighted filing

2024

Assets$1,834,664,043
Liabilities$463,705,242
Net Assets$1,370,958,801
Open 2024 Filing

Operations Trend

Revenue Growth80th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0B$1.0B$0-$1.0BExpenses 2010: $66,759,6592010Expenses 2011: $232,321,7412011Expenses 2012: $50,534,7122012Revenue 2013: $197,422,735Expenses 2013: $91,870,202Net Income 2013: $105,552,5332013Revenue 2014: $253,399,904Expenses 2014: $115,842,640Net Income 2014: $137,557,2642014Revenue 2016: $311,782,864Expenses 2016: $166,051,229Net Income 2016: $145,731,6352016Revenue 2017: $337,063,764Expenses 2017: $90,730,088Net Income 2017: $246,333,6762017Revenue 2018: $349,643,486Expenses 2018: $1,312,128,310Net Income 2018: -$962,484,8242018Revenue 2019: $281,482,867Expenses 2019: $367,397,328Net Income 2019: -$85,914,4612019Revenue 2020: $279,001,377Expenses 2020: $202,513,546Net Income 2020: $76,487,8312020Revenue 2021: $314,057,800Expenses 2021: $164,666,796Net Income 2021: $149,391,0042021Revenue 2022: $357,797,739Expenses 2022: $184,740,119Net Income 2022: $173,057,6202022Revenue 2024: $570,779,362Expenses 2024: $316,794,661Net Income 2024: $253,984,7012024

Highlighted filing

2024

Revenue$570,779,362
Expenses$316,794,661
Net Income$253,984,701
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,834,664,043
Liabilities
$463,705,242
Net assets
$1,370,958,801
Revenue
$570,779,362
Expenses
$316,794,661
Net income
$253,984,701
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,835$464$1,371$571$317$254
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,241$322$919$358$185$173
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,028$286$742$314$165$149
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$878$287$591$279$203$76.5
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$851$336$515$281$367$85.9
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,065$463$602$350$1,312$962
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,751$208$1,543$337$90.7$246
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,543$239$1,305$312$166$146
2014Detailed filing. Detailed filing data is available for this year.$1,210$233$977$253$116$138
2013Detailed filing. Detailed filing data is available for this year.$1,066$224$841$197$91.9$106
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$971$258$713$50.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$938$306$632$232
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$908$189$719$66.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 2, 2025
Return Version
2024v5.1
Gross Receipts
$956,330,486
Mission and Program Overview

Mission

In 1969 the north carolina general assembly established the association as a market of last resort to provide property insurance in the beach and coastal areas of north carolina for individuals and businesses who are unable to buy it in the standard insurance market. All property and casualty insurance companies doing business in north carolina are required by statute to participate in funding the operations of the association, and they share in its losses on pro rata basis. The association is not an agency of the state government, but its regulated by the north carolina commissioner of insurance.

In 1969, the north carolina general assembly established the association as a market of last resort to provide property insurance in the beach and coastal areas of north carolina for individuals and businesses who are unable to buy it in the standard insurance market. All property and casualty insurance companies doing business in north carolina are required by statute to participate in funding the operations of the association, and they share in its losses on pro rata basis. The association is not an agency of the state government, but its regulated by the north carolina commissioner of insurance.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,234,572,181$1,608,076,139▲ $373,503,958
Rtn Earn Endowment Incm Other Fnds$1,119,270,786$1,370,958,801▲ $251,688,015
Cash and Non-Interest-Bearing Accounts$194,827,387$125,205,596▼ $69,621,791
Accounts Receivable$58,589,361$71,729,479▲ $13,140,118
Savings and Temporary Cash Investments$28,385,895$29,617,625▲ $1,231,730
Land, Buildings, and Equipment, Net$9,464$35,204▲ $25,740
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,516,384,288$1,834,664,043▲ $318,279,755
Liabilities
Other Liabilities$351,621,636$407,191,928▲ $55,570,292
Accounts Payable and Accrued Expenses$45,491,866$56,513,314▲ $11,021,448
Total Liabilities$397,113,502$463,705,242▲ $66,591,740
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,119,270,786$1,370,958,801▲ $251,688,015
Total Liabilities and Net Assets / Fund Balance$1,516,384,288$1,834,664,043▲ $318,279,755

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$35,204$20,467,515$20,502,719
Compensation and Service Providers
Top Officer Pay21st percentile

Board Members and Trustees

NameTitle
Allen HouckChair
Eric HammonsVice Chair
Alex GarateBoard Member
Becky PollardBoard Member
Bill LongBoard Member
Charlotte HicksBoard Member
Donald HornsteinBoard Member
Franklin RouseBoard Member
John MilettiBoard Member
Rod EvansBoard Member
Steve HallBoard Member
Steve SmithBoard Member
Sarah MaestreBOARD MEMBER (FROM JAN '24)
Jerry AchatzBOARD MEMBER (FROM NOV '24)
Chris FrisbieBOARD MEMBER (TO JAN '24)
Eric VaithBOARD MEMBER (TO NOV '24)
Vicki FisherDirector of Claims
Mick QuinlanDirector of It
Vita WootenDirector of Underwriting
Robert EadesChief Claims Officer
Dianne HardyChief Executive Officer
Sarah MooreChief Financial Officer
Sonya ChampionChief Human Resources Officer
Tekeela BarnesChief Information Officer
Alvin AshworthChief Operating Officer
Charles WigleyClaims Manager
Nicole PepicelloClaims Manager

Highest Paid Contractors

ContractorServicesLocationCompensation
Usaa Insurance Agency INCProducer Commission9800 FREDERICKSBURG RD, San Antonio, TX 78288$6,938,191
Towne Insurance Agency LLCProducer Commission301 BENDIX RD 300, Virginia Beach, VA 23452$2,522,015
Harold W Wells & Son INCProducer Commission1 N 3RD ST, Wilmington, NC 28401$1,698,254
The Huneycutt Group Dba Obxseaside InsuProducer CommissionPO BOX 776, Kill Devil Hills, NC 27948$1,688,254
Mcgriff Insurance ServicesProducer Commission5850 WATERLOO RD SUITE 240, Columbia, MD 21045$1,661,024
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$514,181,022
Investment Income
$56,301,798
Other Revenue
$296,542
Change in Net Assets
$253,984,701

Audited Revenue Reconciliation

Revenue per Audited Statements
$553,676,275
Revenue Not Reported on Financial Statements
$17,103,087
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$15,207,975
Total Revenue per Audited Statements
$553,676,275
Total Revenue per Form 990
$570,779,362
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$291,129,285
Grants and Similar Amounts Paid$15,207,975
Salaries, Compensation, and Employee Benefits$10,457,401
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$95,209,990
Grants to Domestic Individuals---$15,207,975
All Other Expenses---$10,784,328
Information Technology---$8,923,770
Other Salaries and Wages---$6,249,178
Other Expenses---$3,428,896
Office Expenses---$1,508,161
Other Employee Benefits---$1,445,049
Current Officers, Directors, Trustees, and Key Employees---$1,233,075
Pension Plan Contributions---$1,044,448
Occupancy---$852,985
Fees for Service Investment Mgmnt Fees---$732,385
Payroll Taxes---$485,651
Fees for Services Legal---$475,727
Conferences and Meetings---$333,280
Insurance---$217,185
Fees for Services Accounting---$137,151
Depreciation Depletion---$110,570
Travel---$78,297
Total Functional Expenses$0$0$0$316,794,661

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$316,794,661
Total Expenses per Audited Statements$300,271,874
Expenses per Audited Statements$299,691,574
Expenses Not Reported on Financial Statements$17,103,087
Other Expense Adjustments$15,207,975
Expenses Not Reported on Form 990$580,300
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premium Reserves$353,086,870
Loss Reserves$40,660,131
Loss Adjustment Expense Reserves$7,541,869
Retirement Liabilities$5,900,653
Premium Suspense$2,405
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every insurer authorized to write basic property insurance in north carolina, except town and county mutual insurance association and assessable mutual companies and except insurer who only writes insurance on property exmepted from taxation, shall be required to become and remain a member of the association.”

Form 990, Part VI, Section A, Line 7A

“The board of directors consist of fourteen (14) members: seven (7) representatives from the insurance industry, four (4) licensed agents and three (3) from the general public. The agent and public representatives are appointed by the commissioner of insurance. Each year the insurance industry representatives are nominated and approved by the board of directors. Each year the seven (7) insurance industry board members represent the remaining companies of the insurance industry by proxies.”

Form 990, Part VI, Section A, Line 7B

“All plan of operation and procedural changes must be approved by the board of directors with some company members providing their votes by proxies. Once these changes are approved by the board of directors, they are filed with the commissioner of insurance for approval.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by the general manager before filing.”

Form 990, Part VI, Section B, Line 12C

“Every year all board of directors and employees are required to sign a conflict of interest statement. These statements are reviewed for indication of conflicts.”

Form 990, Part VI, Section B, Line 15

“The board of directors hire and provides review and compensation for the general manager. The general manager approves hiring and compensation for all remaining employees. For key employees of the organization, comparability data from property casual ty insurers (pci) and national association of mutual insurance companies (namic) were utilized to determine equitable compensation levels.”

Form 990, Part VI, Section C, Line 19

“All governing documents and financial statements are available on the association's website.”

Filing and Contact Details

Filer

Filer Name
North Carolina Insurance Underwriting
EIN
23-7102759
Phone
9198211299
Address
751 CORPORATE CENTER DR 200, RALEIGH, NC 27607

Signing Officer

Name
Dianne Hardy
Title
Chief Executive Officer
Phone
9198211299
Signed
2025-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dianne Hardy
Formed
1969
Legal Domicile
Nc
Voting Board Members
14
Independent Board Members
12
Employees
0
Volunteers
0

Preparer

Firm
Johnson Lambert Llp
Address
4242 SIX FORKS ROAD SUITE 1500, RALEIGH, NC 27609
Preparer
J Calvin Marks
Phone
9197196400
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Commissions 95,149,474. Actuarial fees 60,516.”

FORM 990, PART XI, LINE 9:

“Change in minimum pension liability -580,300. Change in nonadmitted assets -1,803,736. Bad debt expense 87,350.”

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Grants expense 15,207,975.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Bad debt expense 580,300.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Grants expense 15,207,975.”

Raw XML AppendixShowing 400 of 787 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
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IRS990/AccountsReceivableGrp/EOYAmt071729479
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0IN 1969, THE NORTH CAROLINA GENERAL ASSEMBLY ESTABLISHED THE ASSOCIATION AS A MARKET OF LAST RESORT TO PROVIDE PROPERTY INSURANCE IN THE BEACH AND COASTAL AREAS OF NORTH CAROLINA FOR INDIVIDUALS AND BUSINESSES WHO ARE UNABLE TO BUY IT IN THE STANDARD INSURANCE MARKET. ALL PROPERTY AND CASUALTY INSURANCE COMPANIES DOING BUSINESS IN NORTH CAROLINA ARE REQUIRED BY STATUTE TO PARTICIPATE IN FUNDING THE OPERATIONS OF THE ASSOCIATION, AND THEY SHARE IN ITS LOSSES ON PRO RATA BASIS. THE ASSOCIATION IS NOT AN AGENCY OF THE STATE GOVERNMENT, BUT ITS REGULATED BY THE NORTH CAROLINA COMMISSIONER OF INSURANCE.
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IRS990/Form990PartVIISectionAGrp/TitleTxt26CLAIMS MANAGER
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IRS990/MissionDesc0IN 1969, THE NORTH CAROLINA GENERAL ASSEMBLY ESTABLISHED THE ASSOCIATION AS A MARKET OF LAST RESORT TO PROVIDE PROPERTY INSURANCE IN THE BEACH AND COASTAL AREAS OF NORTH CAROLINA FOR INDIVIDUALS AND BUSINESSES WHO ARE UNABLE TO BUY IT IN THE STANDARD INSURANCE MARKET. ALL PROPERTY AND CASUALTY INSURANCE COMPANIES DOING BUSINESS IN NORTH CAROLINA ARE REQUIRED BY STATUTE TO PARTICIPATE IN FUNDING THE OPERATIONS OF THE ASSOCIATION, AND THEY SHARE IN ITS LOSSES ON PRO RATA BASIS. THE ASSOCIATION IS NOT AN AGENCY OF THE STATE GOVERNMENT, BUT ITS REGULATED BY THE NORTH CAROLINA COMMISSIONER OF INSURANCE.
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