Civic Intelligence

Joint Insurance Association

EIN 52-0983562 • 501(c)6 • Ellicott City, MD

View Organization Page

Profile

To provide certain property and casualty insurance to applicants in the state of maryland.

3290 N Ridge Road 210Ellicott City, MD 21043

www.mdjia.org

Siviq Scores

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

Liabilities / Assets

96th percentile

0.87x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

1.78x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Net Margin

2nd percentile

-71%

Higher net margin than 2% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

73rd percentile

$215,866

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 17.4% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Asset Growth

9th percentile

-16%

Faster asset growth than 9% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

88th percentile

33%

Faster revenue growth than 88% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$3,055,123

Up $1,217,972 (+66%) from 2023

Liabilities

Up

$2,071,949

Up $575,991 (+39%) from 2023

Net Assets

Up

$983,174

Up $641,981 (+188%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin2nd percentile

Revenue

Up

$934,431

Up $132,545 (+17%) from 2023

Expenses

Up

$1,976,382

Up $551,420 (+39%) from 2023

Net Income

Down

-$1,041,951

Down $418,875 (-67%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

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

$4.0M$2.0M$0-$2.0M-$4.0MAssets 2011: $1,666,402Liabilities 2011: $3,679,453Net Assets 2011: -$2,013,0512011Assets 2012: $2,929,698Liabilities 2012: $3,101,410Net Assets 2012: -$171,7122012Assets 2013: $2,319,996Liabilities 2013: $2,418,656Net Assets 2013: -$98,6602013Assets 2014: $1,907,724Liabilities 2014: $3,010,938Net Assets 2014: -$1,103,2142014Assets 2015: $3,496,836Liabilities 2015: $3,158,268Net Assets 2015: $338,5682015Assets 2016: $3,198,330Liabilities 2016: $3,264,601Net Assets 2016: -$66,2712016Assets 2017: $2,421,043Liabilities 2017: $2,630,933Net Assets 2017: -$209,8902017Assets 2018: $1,681,944Liabilities 2018: $2,175,136Net Assets 2018: -$493,1922018Assets 2019: $2,873,972Liabilities 2019: $2,656,333Net Assets 2019: $217,6392019Assets 2020: $2,257,661Liabilities 2020: $2,832,533Net Assets 2020: -$574,8722020Assets 2021: $1,626,730Liabilities 2021: $2,101,712Net Assets 2021: -$474,9822021Assets 2022: $2,641,203Liabilities 2022: $1,785,594Net Assets 2022: $855,6092022Assets 2023: $1,837,151Liabilities 2023: $1,495,958Net Assets 2023: $341,1932023Assets 2024: $3,055,123Liabilities 2024: $2,071,949Net Assets 2024: $983,1742024

Highlighted filing

2024

Assets$3,055,123
Liabilities$2,071,949
Net Assets$983,174
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2011: $3,199,2302011Expenses 2012: $1,682,4782012Expenses 2013: $2,294,5652013Revenue 2014: $1,535,375Expenses 2014: $1,667,558Net Income 2014: -$132,1832014Revenue 2015: $1,443,437Expenses 2015: $1,778,194Net Income 2015: -$334,7572015Revenue 2016: $1,343,565Expenses 2016: $1,794,944Net Income 2016: -$451,3792016Revenue 2017: $1,245,069Expenses 2017: $1,913,715Net Income 2017: -$668,6462017Revenue 2018: $1,094,792Expenses 2018: $1,651,582Net Income 2018: -$556,7902018Revenue 2019: $968,644Expenses 2019: $1,477,750Net Income 2019: -$509,1062019Revenue 2020: $920,301Expenses 2020: $1,534,526Net Income 2020: -$614,2252020Revenue 2021: $845,957Expenses 2021: $1,493,559Net Income 2021: -$647,6022021Revenue 2022: $770,233Expenses 2022: $1,546,098Net Income 2022: -$775,8652022Revenue 2023: $801,886Expenses 2023: $1,424,962Net Income 2023: -$623,0762023Revenue 2024: $934,431Expenses 2024: $1,976,382Net Income 2024: -$1,041,9512024

Highlighted filing

2024

Revenue$934,431
Expenses$1,976,382
Net Income-$1,041,951
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
$3,055,123
Liabilities
$2,071,949
Net assets
$983,174
Revenue
$934,431
Expenses
$1,976,382
Net income
-$1,041,951
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.06$2.07$0.98$0.93$1.98$1.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.84$1.50$0.34$0.80$1.42$0.62
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.64$1.79$0.86$0.77$1.55$0.78
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.63$2.10$0.47$0.85$1.49$0.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.26$2.83$0.57$0.92$1.53$0.61
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.87$2.66$0.22$0.97$1.48$0.51
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.68$2.18$0.49$1.09$1.65$0.56
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.42$2.63$0.21$1.25$1.91$0.67
2016Detailed filing. Detailed filing data is available for this year.$3.20$3.26$0.07$1.34$1.79$0.45
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.50$3.16$0.34$1.44$1.78$0.33
2014Detailed filing. Detailed filing data is available for this year.$1.91$3.01$1.10$1.54$1.67$0.13
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.32$2.42$0.10$2.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.93$3.10$0.17$1.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.67$3.68$2.01$3.20
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Jun 24, 2025
Return Version
2023v6.0
Gross Receipts
$934,431
Mission and Program Overview

Mission

To provide certain property and casualty insurance to applicants in the state of maryland.

Providing property insurance per maryland state law.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,767,777$2,975,728▲ $1,207,951
Rtn Earn Endowment Incm Other Fnds$341,193$983,174▲ $641,981
Accounts Receivable$69,374$79,395▲ $10,021
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,837,151$3,055,123▲ $1,217,972
Liabilities
Other Liabilities$1,495,958$2,071,949▲ $575,991
Total Liabilities$1,495,958$2,071,949▲ $575,991
Net Assets / Fund Balance
Total Net Assets Fund Balance$341,193$983,174▲ $641,981
Total Liabilities and Net Assets / Fund Balance$1,837,151$3,055,123▲ $1,217,972

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$44,614$44,614
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher DooleyGeneral Manager & SecretarFT$174,724$32,884$207,608

Board Members and Trustees

NameTitle
James MulhollandChairman
Bill LingenfelterVice Chairmain
Frank FolgerGoverning Committee
George DioguardoGoverning Committee
Karen MashinskiGoverning Committee
Michael HernandezGoverning Committee
Michael PfarrGoverning Committee
Patrick McdonoughGoverning Committee
Todd RushGoverning Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$762,519
Investment Income
$0
Other Revenue
$171,912
Change in Net Assets
$-1,041,951

Audited Revenue Reconciliation

Revenue per Audited Statements
$762,519
Revenue Not Reported on Financial Statements
$171,912
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$171,912
Total Revenue per Audited Statements
$762,519
Total Revenue per Form 990
$934,431
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,270,507
Salaries, Compensation, and Employee Benefits$705,875
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$286,649
Fees for Services Other---$263,430
Current Officers, Directors, Trustees, and Key Employees---$207,608
Other Employee Benefits---$118,512
Pension Plan Contributions---$57,108
Occupancy---$54,985
All Other Expenses---$50,523
Payroll Taxes---$35,998
Fees for Services Legal---$32,127
Other Expenses---$29,013
Travel---$26,838
Office Expenses---$16,635
Depreciation Depletion---$1,286
Insurance---$831
Total Functional Expenses$0$0$0$1,976,382

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,976,382
Expenses per Audited Statements$1,804,470
Total Expenses per Audited Statements$1,804,470
Expenses Not Reported on Financial Statements$171,912
Other Expense Adjustments$171,912
Expenses Not Reported on Form 990$0
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
Accrued Postretirement Benefit Cost$887,735
Unearned Premiums$446,973
Losses$279,514
Accrued Pension Benefit Cost$173,081
Loss Adjustment Expenses$160,392
Accrued Expenses$90,518
Advance Premiums$26,764
Commissions Payable$6,972
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

“The organization has members consisting of all licensed insurance companies authorized to write property insurance in maryland.”

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

“The organization's members elect its governing committee annually.”

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

“Any changes to the plan of operations must be approved by the members.”

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

“A copy of form 990 is not provided to the organization's governing body before it is filed. It is only provided to the chairman of the governing committee for signing.”

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

“The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy by requiring members to review and sign the policy annually. If any changes occur during the year, the member is required to submit the change to the general manager or board chairman. The board addresses any changes as required.”

Form 990, Part VI, Section B, Line 15

“The executive committee reviews salary based on comparable industry data.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Joint Insurance Association
EIN
52-0983562
Phone
4105396808
Address
3290 N RIDGE ROAD 210, ELLICOTT CITY, MD 21043

Signing Officer

Name
Christopher Dooley
Title
General Manager
Phone
4105396808
Signed
2025-06-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher Dooley
Formed
1968
Legal Domicile
Md
Voting Board Members
9
Independent Board Members
9
Employees
6
Volunteers
0

Preparer

Firm
Buffamante Whipple Buttafaro Pc
Address
201 WEST THIRD STREET SUITE 300, JAMESTOWN, NY 14701
Preparer
Michael D Staley CPA
Phone
7163721620
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Data processing consultant fees 221,531. Commissions 41,899.”

FORM 990, PART XI, LINE 9:

“Change in non-admitted assets 297,566. Pension and postretirement plans funded status adjustment -613,634. Member assessment 2,000,000.”

FORM 990, PART XII, LINE 1:

“The maryland insurance administration recognizes only statutory accounting practices prescribed or permitted by the state of maryland for determining and reporting the financial condition and results of operations of the company for determining its solvency under the maryland insurance law.”

FORM 990, PART XII, LINE 2C:

“Audit oversight committee the oversight process and committee selection process of the committee that assumes responsibility for the oversight of the audit and selection of the independent auditor has not changed during the tax year.”

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Management fee revenue 171,912.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Reimbursed expenses 171,912.”

Raw XML AppendixShowing 400 of 407 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/EOYAmt079395
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IRS990/AllOtherExpensesGrp/TotalAmt050523
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/PersonNm0CHRISTOPHER DOOLEY GENERAL MANAGER
IRS990/BooksInCareOfDetail/PhoneNum04105396808
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03290 N RIDGE ROAD SUITE 210
IRS990/BooksInCareOfDetail/USAddress/CityNm0ELLICOTT CITY
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IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
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IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt01270507
IRS990/CYOtherRevenueAmt0171912
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IRS990/DepreciationDepletionGrp/TotalAmt01286
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IRS990/Form990PartVIISectionAGrp/TitleTxt6GOVERNING COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMAIN
IRS990/Form990PartVIISectionAGrp/TitleTxt9GENERAL MANAGER & SECRETAR
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0341193
IRS990/NetAssetsOrFundBalancesEOYAmt0983174
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt054985
IRS990/OfficeExpensesGrp/TotalAmt016635
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt01683932
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0118512
IRS990/OtherExpensesGrp/Desc0LOSSES INCURRED
IRS990/OtherExpensesGrp/Desc1LOSS ADJUSTMENT EXPENSE
IRS990/OtherExpensesGrp/Desc2SURVEYS & UNDERWRITING
IRS990/OtherExpensesGrp/Desc3EQUIPMENT
IRS990/OtherExpensesGrp/TotalAmt0535324
IRS990/OtherExpensesGrp/TotalAmt1226467
IRS990/OtherExpensesGrp/TotalAmt233048
IRS990/OtherExpensesGrp/TotalAmt329013
IRS990/OtherLiabilitiesGrp/BOYAmt01495958
IRS990/OtherLiabilitiesGrp/EOYAmt02071949
IRS990/OtherRevenueMiscGrp/BusinessCd0561000
IRS990/OtherRevenueMiscGrp/Desc0MANAGEMENT FEE INCOME
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0171912
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0171912
IRS990/OtherRevenueTotalAmt0171912
IRS990/OtherSalariesAndWagesGrp/TotalAmt0286649
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt035998
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt057108
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0CHRISTOPHER DOOLEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0524126
IRS990/ProgramServiceRevenueGrp/BusinessCd1524126
IRS990/ProgramServiceRevenueGrp/Desc0PROPERTY INSURANCE PRE
IRS990/ProgramServiceRevenueGrp/Desc1MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0732916
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt129603
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0732916
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt129603
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt0636461
IRS990/PYOtherRevenueAmt0172532
IRS990/PYProgramServiceRevenueAmt0629354
IRS990/PYRevenuesLessExpensesAmt0-623076
IRS990/PYSalariesCompEmpBnftPaidAmt0788501
IRS990/PYTotalExpensesAmt01424962
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0801886
IRS990/ReconcilationRevenueExpnssAmt0-1041951
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0762519
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0341193
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0983174
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt044614
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt044614
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0171912
IRS990ScheduleD/ExpensesSubtotalAmt01804470
IRS990ScheduleD/OtherExpensesNotIncludedAmt0171912
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0279514
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1160392
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt26972
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3446973
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt426764
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5887735
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt690518
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7173081
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LOSSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LOSS ADJUSTMENT EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2COMMISSIONS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3UNEARNED PREMIUMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ADVANCE PREMIUMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ACCRUED POSTRETIREMENT BENEFIT COST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7ACCRUED PENSION BENEFIT COST
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0171912
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0171912
IRS990ScheduleD/RevenueSubtotalAmt0762519
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT FEE REVENUE 171,912.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1REIMBURSED EXPENSES 171,912.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt01976382
IRS990ScheduleD/TotalLiabilityAmt02071949
IRS990ScheduleD/TotalRevenuePerForm990Amt0934431
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0762519
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01804470
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0174724
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014199
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt018685
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTOPHER DOOLEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0GENERAL MANAGER & SECRETAR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0207608
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS CONSISTING OF ALL LICENSED INSURANCE COMPANIES AUTHORIZED TO WRITE PROPERTY INSURANCE IN MARYLAND.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION'S MEMBERS ELECT ITS GOVERNING COMMITTEE ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY CHANGES TO THE PLAN OF OPERATIONS MUST BE APPROVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT IS FILED. IT IS ONLY PROVIDED TO THE CHAIRMAN OF THE GOVERNING COMMITTEE FOR SIGNING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY BY REQUIRING MEMBERS TO REVIEW AND SIGN THE POLICY ANNUALLY. IF ANY CHANGES OCCUR DURING THE YEAR, THE MEMBER IS REQUIRED TO SUBMIT THE CHANGE TO THE GENERAL MANAGER OR BOARD CHAIRMAN. THE BOARD ADDRESSES ANY CHANGES AS REQUIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE EXECUTIVE COMMITTEE REVIEWS SALARY BASED ON COMPARABLE INDUSTRY DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DATA PROCESSING CONSULTANT FEES 221,531. COMMISSIONS 41,899.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN NON-ADMITTED ASSETS 297,566. PENSION AND POSTRETIREMENT PLANS FUNDED STATUS ADJUSTMENT -613,634. MEMBER ASSESSMENT 2,000,000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE MARYLAND INSURANCE ADMINISTRATION RECOGNIZES ONLY STATUTORY ACCOUNTING PRACTICES PRESCRIBED OR PERMITTED BY THE STATE OF MARYLAND FOR DETERMINING AND REPORTING THE FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF THE COMPANY FOR DETERMINING ITS SOLVENCY UNDER THE MARYLAND INSURANCE LAW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10AUDIT OVERSIGHT COMMITTEE THE OVERSIGHT PROCESS AND COMMITTEE SELECTION PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR HAS NOT CHANGED DURING THE TAX YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 1:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01837151
IRS990/TotalAssetsEOYAmt03055123
IRS990/TotalAssetsGrp/BOYAmt01837151
IRS990/TotalAssetsGrp/EOYAmt03055123
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt01976382
IRS990/TotalGrossUBIAmt0171912
IRS990/TotalLiabilitiesBOYAmt01495958
IRS990/TotalLiabilitiesEOYAmt02071949
IRS990/TotalLiabilitiesGrp/BOYAmt01495958
IRS990/TotalLiabilitiesGrp/EOYAmt02071949
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0341193
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0983174
IRS990/TotalOtherCompensationAmt018685
IRS990/TotalProgramServiceExpensesAmt01976382
IRS990/TotalProgramServiceRevenueAmt0762519
IRS990/TotalReportableCompFromOrgAmt0188923
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0762519
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0934431
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0171912
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01837151
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03055123
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt026838
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03290 N RIDGE ROAD 210
IRS990/USAddress/CityNm0ELLICOTT CITY
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021043
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.MDJIA.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTOPHER DOOLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0GENERAL MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04105396808
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0JOINT INSURANCE ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0JOIN
ReturnHeader/Filer/EIN0520983562
ReturnHeader/Filer/PhoneNum04105396808
ReturnHeader/Filer/USAddress/AddressLine1Txt03290 N RIDGE ROAD 210
ReturnHeader/Filer/USAddress/CityNm0ELLICOTT CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021043
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161117932
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BUFFAMANTE WHIPPLE BUTTAFARO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0201 WEST THIRD STREET SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JAMESTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd014701

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