Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
EIN 59-1514873 • 501(c)6 • Johnston, RI
Profile
Placement of automobile insurance
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
93rd percentile
Higher net margin than 93% of similar nonprofits.
Top Officer Pay
42nd percentile
Higher top officer pay than 42% of similar nonprofits.
Top officer pay equals 7.2% of source-year revenue.
Asset Growth
87th percentile
Faster asset growth than 87% of similar nonprofits.
Revenue Growth
66th percentile
Faster revenue growth than 66% of similar nonprofits.
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
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
Placement of automobile insurance for those unable to obtain coverage in the voluntary market.
| Line | Beginning | End | Change |
|---|---|---|---|
| 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 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Lisa Stoutamire | - | - | $186,069 | $60,659 | $246,728 |
| - | General Manager | FT | $186,069 | $58,792 | $244,861 |
| - | Underwriter | FT | $126,677 | $5,700 | $132,377 |
| Name | Title |
|---|---|
| Lisa Stoutamire | Chairperson |
| - | Gov Comm Member |
| Timothy Zdrazil | Gov Comm Member |
| Line Item | Amount |
|---|---|
| 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 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| 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 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,216,269 |
| Total Expenses per Audited Statements | $2,216,269 |
| Total Expenses per Form 990 | $2,216,269 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Amount |
|---|---|
| Current Year Nondeductible Lobbying and Political Cost | $2,094 |
| Total Nondeductible Lobbying and Political Cost | $2,094 |
| Liability | Amount |
|---|---|
| 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 |
“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.”
“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.”
“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.”
“Form 990 is distributed annually to the Finance/Audit Committee for review and available to the Board of Governors upon request.”
“The Board of Governors is required annually to sign a conflict of interest statement disclosing any conflicts.”
“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.”
“Governing documents, conflict of interest policy and financial statements are available to the public upon request.”
“Our Finance/Audit Committee is responsible for this process.”
“Line 9; Other changes in net assets or fund balances, includes net assessment $1,212,461.”
“Line 8; Prior period adjustments is an increase in nonadmitted assets.”
“S/C Fee Claims LAE 142980.”
“Unallocated LAE 31500.”
“Commissions Written 144141.”
“Payroll Processing 5959.”
“Proxy Tax 2094.”
“Miscellaneous-Other 1595.”
“Change in Premium Deficiency Reserve -51195.”
“rd -4.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 421854 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 380216 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 497985 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 312842 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Placement of automobile insurance for those unable to obtain coverage in the voluntary market. |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 277070 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | AIPSO |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4019462310 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 302 Central Avenue |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Johnston |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | RI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 02919 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | -304113 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | -103218 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 246729 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 113833 |
| IRS990/CYOtherExpensesAmt | 0 | 1543989 |
| IRS990/CYOtherRevenueAmt | 0 | 14346 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3291077 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1202987 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 672280 |
| IRS990/CYTotalExpensesAmt | 0 | 2216269 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3419256 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | Placement of automobile insurance for those unable to obtain coverage in the voluntary market. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 4 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
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| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 50273 |
| IRS990/FeesForServicesLegalGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 210531 |
| IRS990/FeesForServicesLobbyingGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 9972 |
| IRS990/FeesForServicesManagementGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 164926 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 6373 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 1 | Norma Kassner UAIG |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 2 | Eli FeinbergEMF&Assoc |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 3 | Eric Mize The Hartford |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 4 | Jonathan Owen State Farm |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 5 | Jeff RushOdiorne Ins |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 6 | Carol BertholdGeico |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 7 | Scott JohnsonJohnson Strategies |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 8 | Mark Sweder Liberty Mutual |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 9 | John LusardiNGIC |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 10 | Jennifer PintacudaAAA |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 5700 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Lisa Stoutamire |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Timothy Zdrazil |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 126677 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Gov Comm Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | General Manager |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Underwriter |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1973 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
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| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 3419256 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1706 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 0 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 43586 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 113833 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 2 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | FL |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Placement of automobile insurance for those unable to obtain coverage in the voluntary market. for those unable to obtain coverage in the voluntary market. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | -96825 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2163031 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 37772 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 23113 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1212461 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 101801 |
| IRS990/OtherExpensesGrp/Desc | 0 | Losses Incurred |
| IRS990/OtherExpensesGrp/Desc | 1 | Allocated LAE Incurred |
| IRS990/OtherExpensesGrp/Desc | 2 | S/C Fee Operating |
| IRS990/OtherExpensesGrp/Desc | 3 | Premium Charge Offs |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 236397 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 133616 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 283924 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 49702 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 4733855 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 3680397 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Misc. Recovery |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Late Penalty Fees |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 763 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 13583 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 763 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 13583 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 14346 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 246731 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 30522 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 46497 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt | 0 | Lisa Stoutamire |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | -155592 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | PREMIUMS EARNED |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBERSHIP FEES |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1733577 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1557500 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 55133 |
| IRS990/PYOtherExpensesAmt | 0 | 1963981 |
| IRS990/PYOtherRevenueAmt | 0 | 9139 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3019788 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 487534 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 632545 |
| IRS990/PYTotalExpensesAmt | 0 | 2596526 |
| IRS990/PYTotalRevenueAmt | 0 | 3084060 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1202987 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | false |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | -96825 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2163031 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 4865012 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 6014020 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleC/AgreeCarryoverPriorYearInd | 0 | false |
| IRS990ScheduleC/DuesAssessmentsAmt | 0 | 1557500 |
| IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt | 0 | 2094 |
| IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt | 0 | 2094 |
| IRS990ScheduleC/OnlyInHouseLobbyingInd | 0 | false |
| IRS990ScheduleC/SubstantiallyAllDuesNondedInd | 0 | false |
| IRS990ScheduleC/TaxableAmt | 0 | 2094 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2216269 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 707755 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 2139753 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 133360 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 77250 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 354445 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 79295 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 6 | 12923 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 7 | 175616 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Unearned Premium Reserve |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Loss Reserves |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Premium Deficiency Reserve |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | Unallocated LAE Reserves |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | Allocated LAE Reserves |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | Outstanding Drafts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 6 | Escheat |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 7 | SC Claims |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 3419256 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2216269 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 3680397 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 3419256 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 3419256 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2216269 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 186069 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 25119 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 35540 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Lisa Stoutamire |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 246728 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Form 990 is distributed annually to the Finance/Audit Committee for review and available to the Board of Governors upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The Board of Governors is required annually to sign a conflict of interest statement disclosing any conflicts. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Governing documents, conflict of interest policy and financial statements are available to the public upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Our Finance/Audit Committee is responsible for this process. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Line 9; Other changes in net assets or fund balances, includes net assessment $1,212,461. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Line 8; Prior period adjustments is an increase in nonadmitted assets. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | S/C Fee Claims LAE 142980. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | Unallocated LAE 31500. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | Commissions Written 144141. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | Payroll Processing 5959. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | Proxy Tax 2094. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 15 | Miscellaneous-Other 1595. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 16 | Change in Premium Deficiency Reserve -51195. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 17 | rd -4. |
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