Civic Intelligence

United Policyholders

990 • Fiscal year 2019 • EIN 94-3162024

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 16, 2020

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

44th percentile

0.05x

Higher debt load relative to assets than 44% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

43rd percentile

0.06x

Higher debt load relative to revenue than 43% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

80th percentile

24%

Higher net margin than 80% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

87th percentile

$177,646

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 17.3% of source-year revenue.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Asset Growth

79th percentile

19%

Faster asset growth than 79% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

68th percentile

14%

Faster revenue growth than 68% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$1,194,810

Up $193,998 (+19%) from 2018

Net Assets

Up

$1,133,570

Up $245,852 (+28%) from 2018

Liabilities

Down

$61,240

Down $51,854 (-46%) from 2018

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin80th percentile

Revenue

Up

$1,023,985

Up $126,237 (+14%) from 2018

Expenses

Up

$779,736

Up $118,077 (+18%) from 2018

Net Income

Up

$244,249

Up $8,160 (+3.5%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth79th 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

2019

Assets$1,194,810
Liabilities$61,240
Net Assets$1,133,570
Open 2019 Filing

Operations Trend

Revenue Growth68th 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

2019

Revenue$1,023,985
Expenses$779,736
Net Income$244,249
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 16, 2020
Return Version
2019v5.0
Gross Receipts
$1,089,842
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 ("UP") is 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$522,535$631,733▲ $109,198
Savings and Temporary Cash Investments$458,229$491,420▲ $33,191
Accounts Receivable$4,155$44,804▲ $40,649
Intangible Assets-$12,500-
Prepaid Expenses and Deferred Charges$55$9,553▲ $9,498
Investments in Publicly Traded Securities$7,274$0▼ $7,274
Inventories for Sale or Use$2,880$0▼ $2,880
Land, Buildings, and Equipment, Net$634$0▼ $634
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Total Assets$1,000,812$1,194,810▲ $193,998
Other Assets Total$5,050$4,800▼ $250
Liabilities
Accounts Payable and Accrued Expenses$112,909$61,240▼ $51,669
Other Liabilities$185--
Total Liabilities$113,094$61,240▼ $51,854
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$678,200$694,364▲ $16,164
Net Assets With Donor Restrictions$209,518$439,206▲ $229,688
Total Net Assets Fund Balance$887,718$1,133,570▲ $245,852
Total Liabilities and Net Assets / Fund Balance$1,000,812$1,194,810▲ $193,998

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$19,436$19,436
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amy BachExec DirectorFT$149,958$27,688$177,646

Board Members and Trustees

NameTitle
Susan PiperChairman/Director
Bud PernollDirector
Christine HaskettDirector
Dan VeroffDirector
Doug WertheimerDirector
Jennifer RosdailDirector
Jim BenekeDirector
John EllisonDirector
Martin KirkwoodDirector
Meghan GendelmanDirector
Nicholas CasagrandeDirector
Terry ColemanDirector
William Chip MerlinDirector
Pamela SchmitzSecretary/Director
Norm BooneTreasurer/Director
Revenue and Support

Revenue Composition

Contributions and Grants
$1,008,269
Program Service Revenue
$0
Investment Income
$2,108
Other Revenue
$13,608
All Other Contributions
$822,744
Change in Net Assets
$244,249

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Works of Art1$6,000Fair Market Value (FMV)
Other Non Cash Contri Table4$2,300Fair Market Value (FMV)
Total Noncash Contributions5$8,300-
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$574,539
Other Expenses$205,197
Total Fundraising Expense$76,916
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$283,349$18,451$42,368$344,168
Current Officers, Directors, Trustees, and Key Employees$143,625$10,125$23,896$177,646
Occupancy$51,224$3,505$1,465$56,194
Payroll Taxes$30,679$2,681$5,470$38,830
Fees for Services Accounting-$33,046-$33,046
Travel$28,108$454$151$28,713
Pension Plan Contributions$10,120$1,047$2,728$13,895
All Other Expenses$8,934$2,403$213$11,550
Information Technology$10,179$309$122$10,610
Fees for Services Other$6,686$126$140$6,952
Insurance$3,741$1,540$103$5,384
Other Expenses$3,655$136$57$3,848
Conferences and Meetings$1,649$1,592$156$3,397
Office Expenses$2,237$179$26$2,442
Advertising$2,390--$2,390
Fees for Services Legal$861$1,001-$1,862
Depreciation Depletion$508$51$21$580
Total Functional Expenses$626,164$76,656$76,916$779,736
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$64,476
Fundraising Gross Income$64,476
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Build UP$126,385$59,903$32,898$27,005
Sponsorship Prgm$92,932$3,941$893$3,048
Total Events$219,317$63,844$63,410$434
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 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
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
2020-11-16
Discuss with paid preparer
No

Organization Details

Principal Officer
Amy Bach
Formed
1991
Legal Domicile
CA
Voting Board Members
16
Independent Board Members
15
Employees
11
Volunteers
596

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 2019 -Educated and assisted over 600,000 consumers on property, auto, health, disability, long-term care, life, title, and commercial insurance matters via phone, email and www.uphelp.org.-Hosted Roadmap to Recovery workshops and provided long term recovery services to help individuals and families whose homes were damaged or destroyed in California wildfires in Butte County, California (Camp Fire), Sonoma and Napa Counties (North Bay Fires, Kincade Fire, Sonoma Flooding), Ventura and Santa Barbara Counties (Thomas Fire), Los Angeles County (Woolsey-Hill Fire, Saddleridge Fire, Tick Fire, Getty Fire), Riverside County (Eagle Fire, Sandalwood Fire, Reche Fire, Wolf Fire, Hill Fire, Water Fire, 46 Fire), Ventura County (Maria Fire, Easy Fire, Woolsey-Hill Fire), San Bernardino County (Hillside Fire).-Conducted trainings for employees of entities and organizations providing Case Management services to individuals and families across the country whose homes were damaged or destroyed by natural disasters.-Distributed free copies of The Disaster Recovery Handbook and Household Inventory Guide and Roadmap to Recovery Organizers to catastrophic loss victims throughout the U.S. -Established and maintained dedicated online help libraries for victims of wildfires throughout California.-Answered questions and processed consumer complaints on the Ask an Expert online forum. The forum is hosted by UP and staffed by expert volunteers that include construction, claim, forensic, and legal professionals as well as people with personal expertise in disaster recovery.-Supported over 596 volunteers that serve through our Team UP volunteer program of previous disaster survivors and professional volunteers that support our programs.-Distributed client help materials to NGO, faith-based, and government agency partners.-Expanded our national Find Professional Help and State-by-State Assistance directories.
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IRS990/Form990PartVIISectionAGrp/PersonNm2Nicholas Casagrande
IRS990/Form990PartVIISectionAGrp/PersonNm3Susan Piper
IRS990/Form990PartVIISectionAGrp/PersonNm4Norm Boone
IRS990/Form990PartVIISectionAGrp/PersonNm5Terry Coleman
IRS990/Form990PartVIISectionAGrp/PersonNm6Jennifer Rosdail
IRS990/Form990PartVIISectionAGrp/PersonNm7Pamela Schmitz
IRS990/Form990PartVIISectionAGrp/PersonNm8John Ellison
IRS990/Form990PartVIISectionAGrp/PersonNm9Doug Wertheimer
IRS990/Form990PartVIISectionAGrp/PersonNm10Christine Haskett
IRS990/Form990PartVIISectionAGrp/PersonNm11Martin Kirkwood
IRS990/Form990PartVIISectionAGrp/PersonNm12Meghan Gendelman
IRS990/Form990PartVIISectionAGrp/PersonNm13Bud Pernoll
IRS990/Form990PartVIISectionAGrp/PersonNm14Dan Veroff
IRS990/Form990PartVIISectionAGrp/PersonNm15William Chip Merlin
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IRS990/MissionDesc0United 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
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IRS990/ProgSrvcAccomActy2Grp/Desc0ADVOCACY AND ACTION HIGHLIGHTS 2019 -Filed 18 "friend of the court" legal briefs presenting insurance consumers perspectives in appellate courts throughout the 50 states.-Represented policyholders on the Federal Advisory Committee on Insurance, U.S. Treasury.-Addressed audiences at numerous conferences and events on matters that impact insurance consumers. -Provided comments and participated in the Advisory Council to the American Law Institutes Restatement of the Law of Liability Insurance Project.-Collaborated with public officials and firefighting agencies to help homeowners in brush areas maintain affordable insurance.-Represented policyholders in the proceedings of the National Association of Insurance Commissioners.-Submitted support and opposition letters to State and Federal legislators to promote and protect insurance consumer interests in public policy matters. -Updated and continued advancing the Essential Protections for Policyholders project in collaboration with the Center for Risk and Responsibility, Rutgers Law School.-Responded to information and interview requests from media professionals and was referenced as a source in more than 103 digital, print and broadcast media pieces.-Conducted surveys to gather data, disseminated the results.-Provided consumers perspectives at professional conferences of actuaries, regulators, lawmakers and insurance industry representatives.-Demonstrated substantial impact and helped resolve a rate filing challenge on behalf of CA home insurance consumers.-Issued press releases/media advisories and published research reports on a variety of important insurance issues.
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IRS990/ProgSrvcAccomActy3Grp/Desc0ROADMAP TO PREPAREDNESS 2019-Educated homeowners and renters throughout California on home, earthquake and flood insurance and financial preparedness. -Distributed Wise UP: The Savvy Consumers Guide to Buying Insurance. -Conducted preparedness workshops and participated in preparedness fairs throughout California. -Created additional resources to help homeowners who have been dropped by their insurance company.-Distributed home inventory worksheets throughout California and Colorado.-Served as expert presenters at disaster preparedness events throughout the country.-Partnered with faith-based and other non-profit organizations to broadcast preparedness messages and distribute materials and tools.-Expanded resources in the Roadmap to Preparedness section of www.uphelp.org.-Participated in community-ledl and Voluntary Organizations Active in Disaster meetings on the local, state and National level and formed alliances with other organizations.-Worked with vendors of products that improve home safety and increase disaster resilience.-Continued our work helping residents of California Wildland Urban Interface Zones find and maintain insurance on their homes through our Wildfire Risk Reduction and Asset Protection Project (WRAP).-Published print and online newsletters and monthly consumer tips.
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,194,810
Liabilities
$61,240
Net assets
$1,133,570
Revenue
$1,023,985
Expenses
$779,736
Net income
$244,249
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
2019Detailed filing. Detailed filing data is available for this year.$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