Civic Intelligence

Florida Property & Casualty Assoc Inc

EIN 65-0796967 • 501(c)6 • Tallahassee, FL

Profile

Legislative lobbying for the benefit of all members of the insurance industry.

PO Box 454Tallahassee, FL 32302

n/A

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

53rd percentile

2.3%

Higher net margin than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

90th percentile

45%

Faster asset growth than 90% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

-7.0%

Faster revenue growth than 39% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Up

$18,272

Up $5,696 (+45%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$18,272

Up $5,696 (+45%) from 2023

Revenue

Down

$248,750

Down $18,750 (-7.0%) from 2023

Expenses

Down

$243,054

Down $17,479 (-6.7%) from 2023

Net Income

Down

$5,696

Down $1,271 (-18%) from 2023

Trend Graphs

Balance Sheet Trend

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

$80K$60K$40K$20K$0Assets 2011: $12,928Liabilities 2011: $02011Assets 2012: $20,927Liabilities 2012: $02012Assets 2013: $34,483Liabilities 2013: $0Net Assets 2013: $34,4832013Assets 2014: $66,853Liabilities 2014: $0Net Assets 2014: $66,8532014Assets 2015: $35,070Liabilities 2015: $0Net Assets 2015: $35,0702015Assets 2016: $78,881Liabilities 2016: $0Net Assets 2016: $78,8812016Assets 2017: $70,334Liabilities 2017: $0Net Assets 2017: $70,3342017Assets 2018: $43,143Liabilities 2018: $0Net Assets 2018: $43,1432018Assets 2019: $9,953Liabilities 2019: $0Net Assets 2019: $9,9532019Assets 2020: $13,856Liabilities 2020: $0Net Assets 2020: $13,8562020Assets 2021: $7,948Liabilities 2021: $0Net Assets 2021: $7,9482021Assets 2022: $5,610Liabilities 2022: $0Net Assets 2022: $5,6102022Assets 2023: $12,576Liabilities 2023: $0Net Assets 2023: $12,5762023Assets 2024: $18,272Liabilities 2024: $0Net Assets 2024: $18,2722024

Highlighted filing

2024

Assets$18,272
Liabilities$0
Net Assets$18,272

Operations Trend

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

$400K$200K$0-$200KRevenue 2011: $85,500Expenses 2011: $163,742Net Income 2011: -$78,2422011Revenue 2012: $101,000Expenses 2012: $93,001Net Income 2012: $7,9992012Revenue 2013: $218,000Expenses 2013: $266,351Net Income 2013: -$48,3512013Revenue 2014: $265,000Expenses 2014: $232,630Net Income 2014: $32,3702014Revenue 2015: $304,750Expenses 2015: $336,533Net Income 2015: -$31,7832015Revenue 2016: $292,500Expenses 2016: $248,689Net Income 2016: $43,8112016Revenue 2017: $232,500Expenses 2017: $241,047Net Income 2017: -$8,5472017Revenue 2018: $217,500Expenses 2018: $244,691Net Income 2018: -$27,1912018Revenue 2019: $205,000Expenses 2019: $238,190Net Income 2019: -$33,1902019Revenue 2020: $214,375Expenses 2020: $210,472Net Income 2020: $3,9032020Revenue 2021: $212,500Expenses 2021: $218,408Net Income 2021: -$5,9082021Revenue 2022: $315,833Expenses 2022: $318,171Net Income 2022: -$2,3382022Revenue 2023: $267,500Expenses 2023: $260,533Net Income 2023: $6,9672023Revenue 2024: $248,750Expenses 2024: $243,054Net Income 2024: $5,6962024

Highlighted filing

2024

Revenue$248,750
Expenses$243,054
Net Income$5,696

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.18$0.00$0.18$2.49$2.43$0.06
2023Detailed filing. Detailed filing data is available for this year.$0.13$0.00$0.13$2.68$2.61$0.07
2022Detailed filing. Detailed filing data is available for this year.$0.06$0.00$0.06$3.16$3.18$0.02
2021Detailed filing. Detailed filing data is available for this year.$0.08$0.00$0.08$2.13$2.18$0.06
2020Detailed filing. Detailed filing data is available for this year.$0.14$0.00$0.14$2.14$2.10$0.04
2019Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$2.05$2.38$0.33
2018Detailed filing. Detailed filing data is available for this year.$0.43$0.00$0.43$2.18$2.45$0.27
2017Summary only. Only limited summary data is available for this year.$0.70$0.00$0.70$2.33$2.41$0.09
2016Detailed filing. Detailed filing data is available for this year.$0.79$0.00$0.79$2.93$2.49$0.44
2015Detailed filing. Detailed filing data is available for this year.$0.35$0.00$0.35$3.05$3.37$0.32
2014Summary only. Only limited summary data is available for this year.$0.67$0.00$0.67$2.65$2.33$0.32
2013Detailed filing. Detailed filing data is available for this year.$0.34$0.00$0.34$2.18$2.66$0.48
2012Summary only. Only limited summary data is available for this year.$0.21$0.00$1.01$0.93$0.08
2011Summary only. Only limited summary data is available for this year.$0.13$0.00$0.86$1.64$0.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 27, 2025
Return Version
2024v5.2
Gross Receipts
$248,750
Mission and Program Overview

Mission

Legislative lobbying for the benefit of all members of the insurance industry.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$12,576$18,272▲ $5,696
Rtn Earn Endowment Incm Other Fnds$12,576$18,272▲ $5,696
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$12,576$18,272▲ $5,696
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,576$18,272▲ $5,696
Total Liabilities and Net Assets / Fund Balance$12,576$18,272▲ $5,696
Compensation and Service Providers

Board Members and Trustees

NameTitle
Tom GallagherPresident
Ben CarterDirector
Clint StrauchDirector
David HowardDirector
Jennifer CotugnoDirector
Karin ColemanDirector
Maria MollerDirector
Tom JergerDirector
Tony LoughmanDirector
William StanderExecutive Director

Highest Paid Contractors

ContractorServicesLocationCompensation
Whisper LLCOp, Mngt, Lobbying113 S MONROE STREET, Tallahassee, FL 32301$132,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$248,750
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$5,696
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$243,054
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management---$132,000
Fees for Services Legal---$51,000
Fees for Services Lobbying---$48,000
Travel---$3,784
Conferences and Meetings---$3,076
Insurance---$2,270
Office Expenses---$2,131
Information Technology---$731
Other Expenses---$62
Total Functional Expenses$0$0$0$243,054
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
Total Nondeductible Lobbying and Political Cost$100,050
Current Year Nondeductible Lobbying and Political Cost$77,700
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-President of Whisper, LLC Is the Executive Director of the OrganizationManagement ServicesNo$132,000
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 3

The executive director's company, whisper, llc performed management services for the organization and received payments totaling $132,000.

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

Form 990 and accompanying schedules are prepared by an independent accounting firm. The association reviews the form 990 and accompanying schedules. All questions and issues are resolved with the independent accounting firm prior to filing with the internal revenue service center.

Form 990, Part VI, Section C, Line 19

The organization makes its three most current years of form 990 available upon request. No other documents are made available to the public.

Filing and Contact Details

Filer

Filer Name
Florida Property & Casualty Assoc Inc
EIN
65-0796967
Phone
8502123250
Address
PO BOX 454, TALLAHASSEE, FL 32302

Signing Officer

Name
William H Stander
Title
Executive Director
Phone
8502123250
Signed
2025-10-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William H Stander
Formed
1997
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
9

Preparer

Firm
Thomas Howell Ferguson Pa
Address
2615 CENTENNIAL BLVD SUITE 200, TALLAHASSEE, FL 32308
Preparer
Stacey T Kolka
Phone
8506688100
Raw XML Appendix349 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
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IRS990/BooksInCareOfDetail/PhoneNum08502123250
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0112 SOUTH MONROE ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0TALLAHASSEE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
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IRS990/Form990PartVIISectionAGrp/PersonNm3TONY LOUGHMAN
IRS990/Form990PartVIISectionAGrp/PersonNm4TOM GALLAGHER
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9EXECUTIVE DIRECTOR
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/BusinessName/BusinessNameLine1Txt0WHISPER LLC
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0PRESIDENT OF WHISPER, LLC IS THE EXECUTIVE DIRECTOR OF THE ORGANIZATION
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0MANAGEMENT SERVICES
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE EXECUTIVE DIRECTOR'S COMPANY, WHISPER, LLC PERFORMED MANAGEMENT SERVICES FOR THE ORGANIZATION AND RECEIVED PAYMENTS TOTALING $132,000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 AND ACCOMPANYING SCHEDULES ARE PREPARED BY AN INDEPENDENT ACCOUNTING FIRM. THE ASSOCIATION REVIEWS THE FORM 990 AND ACCOMPANYING SCHEDULES. ALL QUESTIONS AND ISSUES ARE RESOLVED WITH THE INDEPENDENT ACCOUNTING FIRM PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE CENTER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS THREE MOST CURRENT YEARS OF FORM 990 AVAILABLE UPON REQUEST. NO OTHER DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0FPCA PC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0822017861
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0527
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0POLITICAL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0113 SOUTH MONROE STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0TALLAHASSEE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0FL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd032301
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd01
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd01
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012576
IRS990/TotalAssetsEOYAmt018272
IRS990/TotalAssetsGrp/BOYAmt012576
IRS990/TotalAssetsGrp/EOYAmt018272
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0243054
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012576
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt018272
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0248750
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0248750
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0248750
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012576
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018272
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt03784
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0113 SOUTH MONROE ST
IRS990/USAddress/CityNm0TALLAHASSEE
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032301
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM H STANDER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum08502123250
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FLORIDA PROPERTY & CASUALTY ASSOC INC
ReturnHeader/Filer/BusinessNameControlTxt0FLOR
ReturnHeader/Filer/EIN0650796967
ReturnHeader/Filer/PhoneNum08502123250
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 454
ReturnHeader/Filer/USAddress/CityNm0TALLAHASSEE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032302
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0593186310
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THOMAS HOWELL FERGUSON PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02615 CENTENNIAL BLVD SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032308
ReturnHeader/PreparerPersonGrp/PhoneNum08506688100
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STACEY T KOLKA
ReturnHeader/ReturnTs02025-11-12T12:56:26-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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