Civic Intelligence

Florida Automobile Joint Underwriting Association

EIN 59-1514873 • 501(c)6 • Johnston, RI

Profile

Placement of automobile insurance

c/o AIPSO 302 CENTRAL AVENUEJohnston, RI 02919

www.aipso.com/fl

Siviq Scores

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

Liabilities / Assets

89th percentile

0.65x

Higher debt load relative to assets than 89% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

1.19x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Net Margin

93rd percentile

35%

Higher net margin than 93% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

42nd percentile

$244,861

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Asset Growth

87th percentile

23%

Faster asset growth than 87% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

66th percentile

11%

Faster revenue growth than 66% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Up

$6,223,644

Up $1,164,760 (+23%) from 2023

Liabilities

Down

$4,060,613

Down $1,095,096 (-21%) from 2023

Net Assets

Up

$2,163,031

Up $2,259,856 (+2334%) from 2023

Revenue

Up

$3,419,256

Up $335,196 (+11%) from 2023

Expenses

Down

$2,216,269

Down $380,257 (-15%) from 2023

Net Income

Up

$1,202,987

Up $715,453 (+147%) from 2023

Trend Graphs

Balance Sheet Trend

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

$20M$10M$0-$10MAssets 2010: $2,921,962Liabilities 2010: $4,105,273Net Assets 2010: -$1,183,3112010Assets 2011: $3,796,409Liabilities 2011: $5,715,948Net Assets 2011: -$1,919,5392011Assets 2012: $1,622,076Liabilities 2012: $10,971,033Net Assets 2012: -$9,348,9572012Assets 2013: $4,942,982Liabilities 2013: $11,334,028Net Assets 2013: -$6,391,0462013Assets 2014: $5,540,714Liabilities 2014: $9,152,903Net Assets 2014: -$3,612,1892014Assets 2015: $2,136,633Liabilities 2015: $6,267,171Net Assets 2015: -$4,130,5382015Assets 2016: $3,424,857Liabilities 2016: $7,144,691Net Assets 2016: -$3,719,8342016Assets 2017: $7,287,058Liabilities 2017: $7,706,635Net Assets 2017: -$419,5772017Assets 2018: $8,496,856Liabilities 2018: $5,993,840Net Assets 2018: $2,503,0162018Assets 2019: $7,940,277Liabilities 2019: $7,736,181Net Assets 2019: $204,0962019Assets 2020: $6,271,339Liabilities 2020: $8,329,919Net Assets 2020: -$2,058,5802020Assets 2021: $4,634,653Liabilities 2021: $6,782,419Net Assets 2021: -$2,147,7662021Assets 2022: $5,020,655Liabilities 2022: $5,440,555Net Assets 2022: -$419,9002022Assets 2023: $5,058,884Liabilities 2023: $5,155,709Net Assets 2023: -$96,8252023Assets 2024: $6,223,644Liabilities 2024: $4,060,613Net Assets 2024: $2,163,0312024

Highlighted filing

2024

Assets$6,223,644
Liabilities$4,060,613
Net Assets$2,163,031

Operations Trend

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

$20M$10M$0-$10MExpenses 2010: $1,150,2772010Expenses 2011: $3,207,2202011Expenses 2012: $10,700,0622012Expenses 2013: $17,022,3722013Revenue 2014: $6,251,334Expenses 2014: $11,740,201Net Income 2014: -$5,488,8672014Revenue 2015: $3,882,646Expenses 2015: $6,280,506Net Income 2015: -$2,397,8602015Revenue 2016: $3,041,859Expenses 2016: $5,588,174Net Income 2016: -$2,546,3152016Revenue 2017: $4,905,341Expenses 2017: $4,054,014Net Income 2017: $851,3272017Revenue 2018: $5,975,610Expenses 2018: $2,923,273Net Income 2018: $3,052,3372018Revenue 2019: $4,308,851Expenses 2019: $6,410,232Net Income 2019: -$2,101,3812019Revenue 2020: $3,504,419Expenses 2020: $5,859,649Net Income 2020: -$2,355,2302020Revenue 2021: $3,014,358Expenses 2021: $5,350,696Net Income 2021: -$2,336,3382021Revenue 2022: $3,010,052Expenses 2022: $3,015,442Net Income 2022: -$5,3902022Revenue 2023: $3,084,060Expenses 2023: $2,596,526Net Income 2023: $487,5342023Revenue 2024: $3,419,256Expenses 2024: $2,216,269Net Income 2024: $1,202,9872024

Highlighted filing

2024

Revenue$3,419,256
Expenses$2,216,269
Net Income$1,202,987

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.22$4.06$2.16$3.42$2.22$1.20
2023Summary only. Only limited summary data is available for this year.$5.06$5.16$0.10$3.08$2.60$0.49
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.02$5.44$0.42$3.01$3.02$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.63$6.78$2.15$3.01$5.35$2.34
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.27$8.33$2.06$3.50$5.86$2.36
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.94$7.74$0.20$4.31$6.41$2.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.50$5.99$2.50$5.98$2.92$3.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.29$7.71$0.42$4.91$4.05$0.85
2016Detailed filing. Detailed filing data is available for this year.$3.42$7.14$3.72$3.04$5.59$2.55
2015Summary only. Only limited summary data is available for this year.$2.14$6.27$4.13$3.88$6.28$2.40
2014Detailed filing. Detailed filing data is available for this year.$5.54$9.15$3.61$6.25$11.7$5.49
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.94$11.3$6.39$17.0
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.62$11.0$9.35$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.80$5.72$1.92$3.21
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.92$4.11$1.18$1.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Feb 12, 2025
Return Version
2023v6.0
Gross Receipts
$3,419,256
Mission and Program Overview

Mission

Placement of automobile insurance for those unable to obtain coverage in the voluntary market.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,865,012$6,014,020▲ $1,149,008
Rtn Earn Endowment Incm Other Fnds$-96,825$2,163,031▲ $2,259,856
Accounts Receivable$497,985$312,842▼ $185,143
Cash and Non-Interest-Bearing Accounts$-304,113$-103,218▲ $200,895
Total Assets$5,058,884$6,223,644▲ $1,164,760
Liabilities
Other Liabilities$4,733,855$3,680,397▼ $1,053,458
Accounts Payable and Accrued Expenses$421,854$380,216▼ $41,638
Total Liabilities$5,155,709$4,060,613▼ $1,095,096
Net Assets / Fund Balance
Total Net Assets Fund Balance$-96,825$2,163,031▲ $2,259,856
Total Liabilities and Net Assets / Fund Balance$5,058,884$6,223,644▲ $1,164,760
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa Stoutamire--$186,069$60,659$246,728
-General ManagerFT$186,069$58,792$244,861
-UnderwriterFT$126,677$5,700$132,377

Board Members and Trustees

NameTitle
Lisa StoutamireChairperson
-Gov Comm Member
Timothy ZdrazilGov Comm Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,291,077
Investment Income
$113,833
Other Revenue
$14,346
Change in Net Assets
$1,202,987

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,419,256
Total Revenue per Audited Statements
$3,419,256
Total Revenue per Form 990
$3,419,256
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,543,989
Salaries, Compensation, and Employee Benefits$672,280
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$0$0$0$277,070
Other Salaries and Wages$0$0$0$246,731
Current Officers, Directors, Trustees, and Key Employees$0$0$0$246,729
Fees for Services Legal$0$0$0$210,531
Fees for Services Management$0$0$0$164,926
Other Employee Benefits$0$0$0$101,801
Fees for Services Accounting$0$0$0$50,273
Other Expenses$0$0$0$49,702
Pension Plan Contributions$0$0$0$46,497
Insurance$0$0$0$43,586
Occupancy$0$0$0$37,772
Payroll Taxes$0$0$0$30,522
Office Expenses$0$0$0$23,113
Travel$0$0$0$15,028
Fees for Services Lobbying$0$0$0$9,972
Fees for Services Other$0$0$0$6,373
Information Technology$0$0$0$1,706
Total Functional Expenses$0$0$0$2,216,269

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,216,269
Total Expenses per Audited Statements$2,216,269
Total Expenses per Form 990$2,216,269
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
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$2,094
Total Nondeductible Lobbying and Political Cost$2,094
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Loss Reserves$2,139,753
Unearned Premium Reserve$707,755
Allocated LAE Reserves$354,445
SC Claims$175,616
Premium Deficiency Reserve$133,360
Outstanding Drafts$79,295
Unallocated LAE Reserves$77,250
Escheat$12,923
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Florida Automobile Joint Underwriting Association
EIN
59-1514873
Phone
4019462310
Address
c/o AIPSO 302 CENTRAL AVENUE, JOHNSTON, RI 02919

Signing Officer

Name
Lisa Stoutamire
Title
General Manager
Phone
4019462310
Signed
2025-02-12
Discuss with paid preparer
Yes

Organization Details

Formed
1973
Legal Domicile
Fl
Voting Board Members
11
Independent Board Members
11
Employees
4
Volunteers
11

Preparer

Firm
Aipso
Address
302 CENTRAL AVE, JOHNSTON, RI 02919
Preparer
David Maynard
Phone
4019462310
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

Every insurer authorized to write automobile liability insurance or automobile physical damage insurance in the State of Florida shall be a member of the Association.

Pt VI, Line 7A

The governing body is composed of eleven members. Six members shall be appointed by participating insurers, two of whom shall be from the insurance agents association. Five members shall be appointed by the Insurance Commissioner, two of whom shall be chosen from the insurance industry.

Pt VI, Line 7B

The affirmative vote of a majority of the entire governing body shall be required to carry a proposition. Members present in person or by proxy, and representing 51% or more of the direct written premiums of all members, shall constitute a quorum at any meeting of the Association. When a quorum is present, a proposition shall be carried by a majority of the votes cast in person and by proxy.

Pt VI, Line 11B

Form 990 is distributed annually to the Finance/Audit Committee for review and available to the Board of Governors upon request.

Pt VI, Line 12C

The Board of Governors is required annually to sign a conflict of interest statement disclosing any conflicts.

Pt VI, Line 15A

Compensation for the General Manager is determined by recommendation from the Budget Committee with final approval by the Board of Governors. Line 15(b) does not apply because there are no other officers or key employees.

Pt VI, Line 19

Governing documents, conflict of interest policy and financial statements are available to the public upon request.

Pt XII, Line 2C

Our Finance/Audit Committee is responsible for this process.

Pt XI

Line 9; Other changes in net assets or fund balances, includes net assessment $1,212,461.

Pt XI

Line 8; Prior period adjustments is an increase in nonadmitted assets.

Form 990, Part IX, Line 24E

S/C Fee Claims LAE 142980.

Form 990, Part IX, Line 24E

Unallocated LAE 31500.

Form 990, Part IX, Line 24E

Commissions Written 144141.

Form 990, Part IX, Line 24E

Payroll Processing 5959.

Form 990, Part IX, Line 24E

Proxy Tax 2094.

Form 990, Part IX, Line 24E

Miscellaneous-Other 1595.

Form 990, Part IX, Line 24E

Change in Premium Deficiency Reserve -51195.

Form 990, Part IX, Line 24E

rd -4.

Raw XML AppendixShowing 400 of 499 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Gov Comm Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11General Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt12Underwriter
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IRS990/FormationYr01973
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IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt03419256
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndivRcvdGreaterThan100KCnt02
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IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
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IRS990/InformationTechnologyGrp/TotalAmt01706
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt00
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Placement of automobile insurance for those unable to obtain coverage in the voluntary market. for those unable to obtain coverage in the voluntary market.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0-96825
IRS990/NetAssetsOrFundBalancesEOYAmt02163031
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt037772
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt023113
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt01212461
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0101801
IRS990/OtherExpensesGrp/Desc0Losses Incurred
IRS990/OtherExpensesGrp/Desc1Allocated LAE Incurred
IRS990/OtherExpensesGrp/Desc2S/C Fee Operating
IRS990/OtherExpensesGrp/Desc3Premium Charge Offs
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt0236397
IRS990/OtherExpensesGrp/TotalAmt1133616
IRS990/OtherExpensesGrp/TotalAmt2283924
IRS990/OtherExpensesGrp/TotalAmt349702
IRS990/OtherLiabilitiesGrp/BOYAmt04733855
IRS990/OtherLiabilitiesGrp/EOYAmt03680397
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0Misc. Recovery
IRS990/OtherRevenueMiscGrp/Desc1Late Penalty Fees
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0763
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt113583
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0763
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt113583
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt014346
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0246731
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt030522
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt046497
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Lisa Stoutamire
IRS990/PriorPeriodAdjustmentsAmt0-155592
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524298
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0PREMIUMS EARNED
IRS990/ProgramServiceRevenueGrp/Desc1MEMBERSHIP FEES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01733577
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11557500
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt055133
IRS990/PYOtherExpensesAmt01963981
IRS990/PYOtherRevenueAmt09139
IRS990/PYProgramServiceRevenueAmt03019788
IRS990/PYRevenuesLessExpensesAmt0487534
IRS990/PYSalariesCompEmpBnftPaidAmt0632545
IRS990/PYTotalExpensesAmt02596526
IRS990/PYTotalRevenueAmt03084060
IRS990/ReconcilationRevenueExpnssAmt01202987
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-96825
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02163031
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04865012
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06014020
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/AgreeCarryoverPriorYearInd0false
IRS990ScheduleC/DuesAssessmentsAmt01557500
IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt02094
IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt02094
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleC/TaxableAmt02094
IRS990ScheduleD/ExpensesSubtotalAmt02216269
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0707755
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12139753
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2133360
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt377250
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4354445
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt579295
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt612923
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7175616
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Unearned Premium Reserve
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Loss Reserves
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Premium Deficiency Reserve
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Unallocated LAE Reserves
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Allocated LAE Reserves
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Outstanding Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Escheat
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7SC Claims
IRS990ScheduleD/RevenueSubtotalAmt03419256
IRS990ScheduleD/TotalExpensesPerForm990Amt02216269
IRS990ScheduleD/TotalLiabilityAmt03680397
IRS990ScheduleD/TotalRevenuePerForm990Amt03419256
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03419256
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02216269
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0186069
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt025119
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt035540
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Lisa Stoutamire
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0246728
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Every insurer authorized to write automobile liability insurance or automobile physical damage insurance in the State of Florida shall be a member of the Association.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The governing body is composed of eleven members. Six members shall be appointed by participating insurers, two of whom shall be from the insurance agents association. Five members shall be appointed by the Insurance Commissioner, two of whom shall be chosen from the insurance industry.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The affirmative vote of a majority of the entire governing body shall be required to carry a proposition. Members present in person or by proxy, and representing 51% or more of the direct written premiums of all members, shall constitute a quorum at any meeting of the Association. When a quorum is present, a proposition shall be carried by a majority of the votes cast in person and by proxy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 is distributed annually to the Finance/Audit Committee for review and available to the Board of Governors upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Governors is required annually to sign a conflict of interest statement disclosing any conflicts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation for the General Manager is determined by recommendation from the Budget Committee with final approval by the Board of Governors. Line 15(b) does not apply because there are no other officers or key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents, conflict of interest policy and financial statements are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Our Finance/Audit Committee is responsible for this process.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Line 9; Other changes in net assets or fund balances, includes net assessment $1,212,461.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Line 8; Prior period adjustments is an increase in nonadmitted assets.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10S/C Fee Claims LAE 142980.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Unallocated LAE 31500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Commissions Written 144141.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Payroll Processing 5959.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Proxy Tax 2094.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Miscellaneous-Other 1595.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Change in Premium Deficiency Reserve -51195.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17rd -4.

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