Civic Intelligence

Florida Automobile Joint Underwriting Association

990 • Fiscal year 2022 • EIN 59-1514873

Oct 01, 2021 to Sep 30, 2022 • Filed on Feb 14, 2023

Organization Profilewww.aipso.com/fl

View Organization Page

c/o AIPSO 302 CENTRAL AVENUEJohnston, RI 02919

(401) 946-2310

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

99th percentile

1.08x

Higher debt load relative to assets than 99% of similar nonprofits.

2022 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

95th percentile

1.81x

Higher debt load relative to revenue than 95% of similar nonprofits.

2022 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2022

Net Margin

31st percentile

-0.2%

Higher net margin than 31% of similar nonprofits.

2022 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

43rd percentile

$234,922

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 7.8% of source-year revenue.

2022 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2022

Asset Growth

68th percentile

8.3%

Faster asset growth than 68% of similar nonprofits.

2022 filings • 501(c)6 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

31st percentile

-0.1%

Faster revenue growth than 31% of similar nonprofits.

2022 filings • 501(c)6 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$5,020,655

Up $386,002 (+8.3%) from 2021

Net Assets

Up

-$419,900

Up $1,727,866 (+80%) from 2021

Liabilities

Down

$5,440,555

Down $1,341,864 (-20%) from 2021

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin31st percentile

Revenue

Down

$3,010,052

Down $4,306 (-0.1%) from 2021

Expenses

Down

$3,015,442

Down $2,335,254 (-44%) from 2021

Net Income

Up

-$5,390

Up $2,330,948 (+100%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2022

Assets$5,020,655
Liabilities$5,440,555
Net Assets-$419,900
Open 2022 Filing

Operations Trend

Revenue Growth31st percentile

Revenue, expenses, and net income across loaded years, with this 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

2022

Revenue$3,010,052
Expenses$3,015,442
Net Income-$5,390
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2021 to Sep 30, 2022
Signed
Feb 14, 2023
Return Version
2021v4.1
Gross Receipts
$3,010,052
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$4,161,137$4,776,875▲ $615,738
Accounts Receivable$556,419$368,692▼ $187,727
Cash and Non-Interest-Bearing Accounts$-82,903$-124,912▼ $42,009
Rtn Earn Endowment Incm Other Fnds$-2,147,766$-419,900▲ $1,727,866
Total Assets$4,634,653$5,020,655▲ $386,002
Liabilities
Other Liabilities$6,141,297$4,989,679▼ $1,151,618
Accounts Payable and Accrued Expenses$641,122$450,876▼ $190,246
Total Liabilities$6,782,419$5,440,555▼ $1,341,864
Net Assets / Fund Balance
Total Net Assets Fund Balance$-2,147,766$-419,900▲ $1,727,866
Total Liabilities and Net Assets / Fund Balance$4,634,653$5,020,655▲ $386,002
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa Stoutamire--$178,226$58,564$236,790
-General ManagerFT$178,226$56,696$234,922
-UnderwriterFT$113,512$5,093$118,605

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
$2,979,046
Investment Income
$7,252
Other Revenue
$23,754
Change in Net Assets
$-5,390

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,010,052
Total Revenue per Audited Statements
$3,010,052
Total Revenue per Form 990
$3,010,052
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,519,840
Salaries, Compensation, and Employee Benefits$495,602
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Legal$0$0$0$254,704
Current Officers, Directors, Trustees, and Key Employees$0$0$0$236,790
Other Salaries and Wages$0$0$0$213,085
Fees for Services Management$0$0$0$184,802
Fees for Services Accounting$0$0$0$72,511
Pension Plan Contributions$0$0$0$69,802
Occupancy$0$0$0$47,319
Other Expenses$0$0$0$42,736
Office Expenses$0$0$0$37,412
Payroll Taxes$0$0$0$27,567
Insurance$0$0$0$22,577
Travel$0$0$0$21,561
Fees for Services Lobbying$0$0$0$9,498
Fees for Services Other$0$0$0$9,134
Information Technology$0$0$0$9,104
All Other Expenses$0$0$0$-5,839
Other Employee Benefits$0$0$0$-51,642
Total Functional Expenses$0$0$0$3,015,442

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,015,442
Total Expenses per Audited Statements$3,015,442
Total Expenses per Form 990$3,015,442
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$9,498
Total Nondeductible Lobbying and Political Cost$9,498
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Loss Reserves$3,589,176
Unearned Premium Reserve$514,297
Allocated LAE Reserves$332,070
SC Claims$193,431
Premium Deficiency Reserve$168,275
Unallocated LAE Reserves$132,000
Outstanding Drafts$59,682
Escheat$748
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
2023-02-14
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
4015281473
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 $2,154,866.”

Pt XI

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

Raw XML AppendixShowing 400 of 489 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0641122
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0450876
IRS990/AccountsReceivableGrp/BOYAmt0556419
IRS990/AccountsReceivableGrp/EOYAmt0368692
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Placement of automobile insurance for those unable to obtain coverage in the voluntary market.
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt0-5839
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0AIPSO
IRS990/BooksInCareOfDetail/PhoneNum04019462310
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0302 Central Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Johnston
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0RI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002919
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0-82903
IRS990/CashNonInterestBearingGrp/EOYAmt0-124912
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0236790
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt07252
IRS990/CYOtherExpensesAmt02519840
IRS990/CYOtherRevenueAmt023754
IRS990/CYProgramServiceRevenueAmt02979046
IRS990/CYRevenuesLessExpensesAmt0-5390
IRS990/CYSalariesCompEmpBnftPaidAmt0495602
IRS990/CYTotalExpensesAmt03015442
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03010052
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0Placement of automobile insurance for those unable to obtain coverage in the voluntary market.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt072511
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt0254704
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt09498
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt0184802
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt09134
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt0Brian FlemingFleming & Hall Admin LLC
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt1David GrantThe Hartford
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt2Eli Feinberg Eli Feinberg & Assoc
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt3David HartleinState Farm
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt4Chichi OkekeLiberty Mut Ins
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5Jeff RushOdiorne Ins
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Carol BertholdGeico
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Scott JohnsonJohnson Strategies
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Norma KassnerAIG
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9John LusardiNGIC
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10Jennifer PintacudaAAA
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1156696
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt125093
IRS990/Form990PartVIISectionAGrp/PersonNm0Lisa Stoutamire
IRS990/Form990PartVIISectionAGrp/PersonNm1Timothy Zdrazil
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11178226
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12113512
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Gov Comm Member
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
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01973
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt03010052
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt09104
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt022577
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt07252
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Placement of automobile insurance for those unable to obtain coverage in the voluntary market.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0-2147766
IRS990/NetAssetsOrFundBalancesEOYAmt0-419900
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt047319
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt037412
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt02154866
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0-51642
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/TotalAmt01308180
IRS990/OtherExpensesGrp/TotalAmt1221621
IRS990/OtherExpensesGrp/TotalAmt2284520
IRS990/OtherExpensesGrp/TotalAmt342736
IRS990/OtherLiabilitiesGrp/BOYAmt06141297
IRS990/OtherLiabilitiesGrp/EOYAmt04989679
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0Bad debt recovery
IRS990/OtherRevenueMiscGrp/Desc1Late Penalty Fees
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt012735
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt111019
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt012735
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt111019
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt023754
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0213085
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt027567
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt069802
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Lisa Stoutamire
IRS990/PriorPeriodAdjustmentsAmt0-421610
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524298
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0PREMIUMS EARNED
IRS990/ProgramServiceRevenueGrp/Desc1MEMBERSHIP FEES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01461546
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11517500
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt023012
IRS990/PYOtherExpensesAmt04857425
IRS990/PYOtherRevenueAmt03190
IRS990/PYProgramServiceRevenueAmt02988156
IRS990/PYRevenuesLessExpensesAmt0-2336338
IRS990/PYSalariesCompEmpBnftPaidAmt0493271
IRS990/PYTotalExpensesAmt05350696
IRS990/PYTotalRevenueAmt03014358
IRS990/ReconcilationRevenueExpnssAmt0-5390
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-2147766
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0-419900
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04161137
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04776875
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/AgreeCarryoverPriorYearInd0false
IRS990ScheduleC/DuesAssessmentsAmt01517500
IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt09498
IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt09498
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleC/TaxableAmt09498
IRS990ScheduleD/ExpensesSubtotalAmt03015442
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0514297
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13589176
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2168275
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3132000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4332070
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt559682
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6748
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7193431
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/RevenueSubtotalAmt03010052
IRS990ScheduleD/TotalExpensesPerForm990Amt03015442
IRS990ScheduleD/TotalLiabilityAmt04989679
IRS990ScheduleD/TotalRevenuePerForm990Amt03010052
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03010052
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03015442
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0178226
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt024031
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt034533
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Lisa Stoutamire
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236790
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 $2,154,866.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Line 8; Prior period adjustments is an increase in nonadmitted assets.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 19

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,020,655
Liabilities
$5,440,555
Net assets
-$419,900
Revenue
$3,010,052
Expenses
$3,015,442
Net income
-$5,390
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
2022Detailed filing. Detailed filing data is available for this year.$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