Civic Intelligence

United Policyholders

990 • Fiscal year 2014 • EIN 94-3162024

Jan 01, 2014 to Dec 31, 2014 • Filed on May 13, 2015

Organization Profilewww.uphelp.org
381 Bush Street 8th FlSan Francisco, CA 94104

(415) 393-9990

Siviq Scores

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

Liabilities / Assets

47th percentile

0.03x

Higher debt load relative to assets than 47% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Liabilities / Revenue

66th percentile

0.13x

Higher debt load relative to revenue than 66% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Net Margin

3rd percentile

-98%

Higher net margin than 3% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Top Officer Pay

94th percentile

$161,673

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 61.5% of source-year revenue.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Asset Growth

8th percentile

-23%

Faster asset growth than 8% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Revenue Growth

10th percentile

-29%

Faster revenue growth than 10% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$982,622

Down $290,506 (-23%) from 2013

Net Assets

Down

$949,107

Down $271,763 (-22%) from 2013

Liabilities

Down

$33,515

Down $18,743 (-36%) from 2013

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin3rd percentile

Revenue

Down

$262,928

Down $107,663 (-29%) from 2013

Expenses

Up

$520,418

Up $7,269 (+1.4%) from 2013

Net Income

Down

-$257,490

Down $114,932 (-81%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,325,257Liabilities 2011: $23,394Net Assets 2011: $1,301,8632011Assets 2012: $1,295,156Liabilities 2012: $48,383Net Assets 2012: $1,246,7732012Assets 2013: $1,273,128Liabilities 2013: $52,258Net Assets 2013: $1,220,8702013Assets 2014: $982,622Liabilities 2014: $33,515Net Assets 2014: $949,1072014Assets 2015: $732,859Liabilities 2015: $24,246Net Assets 2015: $708,6132015Assets 2016: $510,963Liabilities 2016: $35,181Net Assets 2016: $475,7822016Assets 2017: $698,637Liabilities 2017: $53,249Net Assets 2017: $645,3882017Assets 2018: $1,000,812Liabilities 2018: $113,094Net Assets 2018: $887,7182018Assets 2019: $1,194,810Liabilities 2019: $61,240Net Assets 2019: $1,133,5702019Assets 2020: $1,199,888Liabilities 2020: $183,888Net Assets 2020: $1,016,0002020Assets 2021: $1,175,090Liabilities 2021: $85,527Net Assets 2021: $1,089,5632021Assets 2022: $2,663,279Liabilities 2022: $119,635Net Assets 2022: $2,543,6442022Assets 2023: $2,480,993Liabilities 2023: $169,742Net Assets 2023: $2,311,2512023Assets 2024: $1,909,059Liabilities 2024: $226,582Net Assets 2024: $1,682,4772024

Highlighted filing

2014

Assets$982,622
Liabilities$33,515
Net Assets$949,107
Open 2014 Filing

Operations Trend

Revenue Growth10th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $323,194Expenses 2011: $497,337Net Income 2011: -$174,1432011Revenue 2012: $326,360Expenses 2012: $494,319Net Income 2012: -$167,9592012Revenue 2013: $370,591Expenses 2013: $513,149Net Income 2013: -$142,5582013Revenue 2014: $262,928Expenses 2014: $520,418Net Income 2014: -$257,4902014Revenue 2015: $316,808Expenses 2015: $501,970Net Income 2015: -$185,1622015Revenue 2016: $285,160Expenses 2016: $508,676Net Income 2016: -$223,5162016Revenue 2017: $801,015Expenses 2017: $631,410Net Income 2017: $169,6052017Revenue 2018: $897,748Expenses 2018: $661,659Net Income 2018: $236,0892018Revenue 2019: $1,023,985Expenses 2019: $779,736Net Income 2019: $244,2492019Revenue 2020: $897,321Expenses 2020: $1,014,828Net Income 2020: -$117,5072020Revenue 2021: $1,265,932Expenses 2021: $1,192,369Net Income 2021: $73,5632021Revenue 2022: $2,679,886Expenses 2022: $1,225,805Net Income 2022: $1,454,0812022Revenue 2023: $1,304,255Expenses 2023: $1,531,648Net Income 2023: -$227,3932023Revenue 2024: $1,348,420Expenses 2024: $1,970,981Net Income 2024: -$622,5612024

Highlighted filing

2014

Revenue$262,928
Expenses$520,418
Net Income-$257,490
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 13, 2015
Return Version
2014v5.0
Gross Receipts
$263,337
Mission and Program Overview

Mission

United Policyholders (UP) is a 501(c)(3) non-profit organization founded in 1991 that serves as a voice and an information resource for insurance consumers throughout the country. UP helps people make good decisions when buying insurance and filing insurance claims, and works to maintain legal standards that protect policyholders reasonable expectations of coverage.Through a Roadmap to Recovery program, we empower disaster victims, individuals and businesses to secure fair, full and prompt insurance claim settlements. We do this by creating and disseminating free guidance and tools--including a workshop series, a free online claim guidance library, educational videos, a professional help directory, and volunteers and staff who are experts in personal finance, construction and the law.Through a Roadmap to Preparedness program, UP promotes disaster preparedness and insurance literacy through outreach and education in partnership with civic, faith based, business and other non-profit orga

United Policyholders is a consumer organization dedicated to assisting insurance consumers nationwide in solving insurance problems and advocates for fairness in insurance transactions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,066,848$736,420▼ $330,428
Savings and Temporary Cash Investments$115,827$180,842▲ $65,015
Cash and Non-Interest-Bearing Accounts$46,259$43,506▼ $2,753
Pledges and Grants Receivable$844$10,141▲ $9,297
Land, Buildings, and Equipment, Net$4,819$6,200▲ $1,381
Prepaid Expenses and Deferred Charges$4,029$3,338▼ $691
Inventories for Sale or Use$270$254▼ $16
Accounts Receivable$32,432$121▼ $32,311
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Total Assets$1,273,128$982,622▼ $290,506
Other Assets Total$1,800$1,800→ $0
Liabilities
Accounts Payable and Accrued Expenses$52,258$33,515▼ $18,743
Total Liabilities$52,258$33,515▼ $18,743
Net Assets / Fund Balance
Unrestricted Net Assets$1,171,154$938,966▼ $232,188
Temporarily Rstr Net Assets$49,716$10,141▼ $39,575
Total Net Assets Fund Balance$1,220,870$949,107▼ $271,763
Total Liabilities and Net Assets / Fund Balance$1,273,128$982,622▼ $290,506

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,955$12,989$18,944
Other Land Buildings$245$1,155$1,400
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amy BachExec DirectorFT$140,083$21,590$161,673

Board Members and Trustees

NameTitle
A Christine DavisDirector
Alice WolfsonDirector
Brian KabateckDirector
David BariaDirector
John SullivanDirector
Larry GinsburgDirector
Susan PiperDirector
E Gerard MannionPres/Director
Jim JonesSec'tary/Director
William HeddenTreasurer/Director
Revenue and Support

Revenue Composition

Contributions and Grants
$212,113
Program Service Revenue
$15,000
Investment Income
$29,298
Other Revenue
$6,517
All Other Contributions
$212,113
Change in Net Assets
$-257,490
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$361,585
Other Expenses$158,833
Total Fundraising Expense$67,358
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$125,827$331$37,321$163,479
Current Officers, Directors, Trustees, and Key Employees$158,440$1,616$1,617$161,673
Fees for Services Other$16,458$10,148$2,972$29,578
Occupancy$22,834$1,365$3,100$27,299
Payroll Taxes$19,624$144$2,757$22,525
All Other Expenses$13,117$2,317$4,170$19,604
Other Employee Benefits$9,300$230$4,378$13,908
Other Expenses$2,280$106$8,074$10,460
Travel$128$5,387$514$6,029
Insurance$4,822$468$669$5,959
Conferences and Meetings$1,332$939$451$2,722
Depreciation Depletion$1,526$423$244$2,193
Advertising$2,031--$2,031
Total Functional Expenses$423,209$29,851$67,358$520,418
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$6,519
Fundraising Direct Expenses$393
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“Usually the Form 990 is prepared by a tax professional and then reviewed by the organization's management and Board of Directors. The return is discussed and changes are made if necessary. The final version of the 990 is signed by the Executive Director and the return is filed with the I.R.S.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“The Board of Directors reviews all potential conflicts of interest annually. The Executive Director and all Board Members are required to disclose (in writing) potential conflicts of interest and related board affiliations. Any potential conflicts are discussed openly and resolved in accordance with the organizations policies and procedures.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The Board of Directors reviews the compensation of all high-level personnel annually in accordance with the I.R.S rules and regulations. Efforts are made to research data from industry sources to determine competitiveness of salaries. Every effort is made to comply with I.R.S. guidelines and the organization's policies and procedures to establish transparency in the process.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation of other personnel is reviewed annually by the Board of Directors and members of management. Efforts are made by researching industry data to determine the competitiveness of salaries and related benefits.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“All of the organization's governing documents, financial statements and other legal filings are maintained in a secure environment and held available for inspection by tax authorities and the general public. Tax returns are posted annually to www.guidestar.org and are also available at the organization's office in San Francisco, CA.”

Filing and Contact Details

Filer

Filer Name
United Policyholders
EIN
94-3162024
Phone
4153939990
Address
381 Bush Street 8th Fl, San Francisco, CA 94104

Signing Officer

Name
Amy Bach
Title
Exec Director
Signed
2015-05-13
Discuss with paid preparer
No

Organization Details

Principal Officer
Amy Bach
Formed
1991
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
10
Employees
5
Volunteers
469

Preparer

Firm
Fontanello Duffield & Otake LLP
Address
44 Montgomery Street Suite 1305, San Francisco, CA 94104
Preparer
Carol Duffield
Phone
4159830200
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IRS990/Desc0ROADMAP TO RECOVERY HIGHLIGHTS 2014 Helped over 267,000 individual consumers by phone, email and at www.uphelp.org with property, auto, health, disability, long-term care, life, title and commercial insurance matters.Provided information and tools to case managers, pro bono legal services/legal aid attorneys, insurance regulatory agencies and others engaged in assisting individual consumers with insurance matters in all 50 states.Conducted Roadmap to Recovery workshops and provided long-term disaster recovery services that helped individuals and families whose home were damaged or destroyed in the Black Forest Fire in Colorado Springs, Colorado and the Boles Fire in Weed, California.Conducted Roadmap to Recovery workshops and long-term recovery programs that helped individuals and families whose home were damaged or destroyed by flooding in San Mateo County, California and Boulder, El Paso and Larimer Counties, Colorado. Conducted Roadmap to Recovery workshops and long-term recovery programs to help individuals and families whose home were damaged or destroyed in Superstorm Sandy in the State of New Jersey and Long Island, New York.Conducted insurance-specific trainings for pro bono legal services organizations working with individuals and families whose home were damaged or destroyed in Superstorm Sandy in New Jersey.Conducted insurance-specific trainings to help non-profit organizations assist individuals and families whose homes were damaged during Hurricane Iselle in Hawaii. Participated in local assistance centers for flood victims in San Mateo County, CA and for earthquake victims in Napa County, California.Distributed Roadmap to Recovery Toolkits to disaster victims throughout the country and in bulk in San Diego, CA, Napa, CA, Weed, CA and San Mateo County, CADistributed free copies of The Disaster Recovery Handbook and Household Inventory Guide, Roadmap to Recovery Organizers and Roadmap to Recovery flash drives to loss victims throughout the U.S. Hosted the Ask an Expert online forum - where consumers can get answers to insurance related questions from expert volunteers that include professionals in construction, insurance claims and the law plus people sharing their own disaster recovery lessons learned.Trained/supported over 150 volunteers serving as recovery mentors through a Disaster Survivor Support Network program.Distributed reference materials to NGO, faith-based and government agency partners.Enhanced the resources offered to flood victims and National Flood Insurance Program policyholders through our Roadmap to Recovery program and online Claim Help Library. Expanded the Find Professional Help and State-by-State Assistance resources at uphelp.org.
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer/Dir
IRS990/Form990PartVIISectionAGrp/TitleTxt5Pres/Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Sec'tary/Dir
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
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IRS990/MissionDesc0United Policyholders (UP) is a 501(c)(3) non-profit organization that is a voice and an information resource for insurance consumers throughout the country.Through the Roadmap to Recovery program, we give individuals and businesses free tools and resources to help solve the insurance problems that can arise after an accident, loss, illness or other adverse event. These include a library of claim tips, sample forms, educational videos, professional help directories, and articles written by leading experts in personal finance, construction and the law.Through the Roadmap to Preparedness program, UP promotes disaster preparedness and insurance literacy through outreach and education in partnership with civic, faith based, business and other non-profit associations.Through the Advocacy and Action program, UP fights for strong legal protections for policyholders and promotes insurance consumer interests.United Policyholders work is funded by donations and grants from individuals, businesses
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IRS990/ProgSrvcAccomActy2Grp/Desc0ROADMAP TO PREPAREDNESS 2014Helped consumers throughout the United States make good decisions when buying and renewing insurance; get value, avoid rip-offs and shop for quality and price.Participated with the City of San Francisco, the City of Oakland and the California Earthquake Authority to conduct a public outreach and education campaign aimed at Bay Area renters and homeowners about earthquake insurance and the value of financial preparedness for disasters. Featured in a public service media campaign to inform Bay Area renters about disaster preparedness and insurance that included television, radio, bus shelter messaging.Conducted educational workshops and participated in activities and public and small and large employer-sponsored events aimed at promoting disaster preparedness throughout California and Colorado.Launched and promoted a free UP Home Inventory smart phone and computer application that makes it easy for people to create records of their assets.Participated in public educational events tied to various anniversaries including the Great Shake Out and the second anniversary of Superstorm Sandy. Participated in regional and local Voluntary Organizations Active in Disaster meetings, served as Vice-President of Northern California VOAD. Provided speakers and instructors for disaster awareness, preparedness and networking events.Translated Roadmap to Preparedness consumer tips into Spanish.Forged alliances and partnered with faith-based and other non-profit organizations to educate and empower insurance consumers. Expanded the resources and information related to buying flood, mobile home and automobile insurance in the Roadmap to Preparedness library at www.uphelp.org.Coordinated with vendors of products that improve home safety, increase disaster resilience and help homeowners qualify for insurance premium discounts.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0149784
IRS990/ProgSrvcAccomActy3Grp/Desc0ADVOCACY AND ACTION HIGHLIGHTS 2014 Advocated for the interests and rights of policyholders with regard to fairness in rating, sales and claim practices by insurance companies, agents, brokers and adjusters across all lines of insurance, with a special focus on home/renters/mobile home and flood, Commercial General Liability, title and long term care.Assisted and advocated for victims of climate change in relation to insurance availability and affordability.Served as an official representative of consumers at the National Association of Insurance Commissioners and a Consumer Participation Program Trustee.Filed 30 "friend of the court" legal briefs advocating for policyholders in state and federal courts throughout the 50 states.Testified at public hearings in the California legislature.Provided comments and made numerous presentations before the National Association of Insurance Commissioners.Participated as an adviser to the American Law Institutes Restatement Project on the Laws of Liability Insurance. Provided comments to local, state and federal public officials on proposals, legislation and developments related to the interests of insurance consumers.Responded to more than 100 information and interview requests from print, radio and broadcast media professionals.Issued press releases/media advisories on a variety of important insurance issues.Published print and online newsletters and monthly consumer tips.Conducted surveys to gather data on disaster insurance claims, published the results.
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Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$982,622
Liabilities
$33,515
Net assets
$949,107
Revenue
$262,928
Expenses
$520,418
Net income
-$257,490
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.91$0.23$1.68$1.35$1.97$0.62
2023Summary only. Only limited summary data is available for this year.$2.48$0.17$2.31$1.30$1.53$0.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.66$0.12$2.54$2.68$1.23$1.45
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.18$0.09$1.09$1.27$1.19$0.07
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.20$0.18$1.02$0.90$1.01$0.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.19$0.06$1.13$1.02$0.78$0.24
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.00$0.11$0.89$0.90$0.66$0.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.70$0.05$0.65$0.80$0.63$0.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.51$0.04$0.48$0.29$0.51$0.22
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.73$0.02$0.71$0.32$0.50$0.19
2014Detailed filing. Detailed filing data is available for this year.$0.98$0.03$0.95$0.26$0.52$0.26
2013Summary only. Only limited summary data is available for this year.$1.27$0.05$1.22$0.37$0.51$0.14
2012Summary only. Only limited summary data is available for this year.$1.30$0.05$1.25$0.33$0.49$0.17
2011Summary only. Only limited summary data is available for this year.$1.33$0.02$1.30$0.32$0.50$0.17