Civic Intelligence

United Policyholders

990 • Fiscal year 2024 • EIN 94-3162024

Jan 01, 2024 to Dec 31, 2024 • Filed on Nov 15, 2025

917 Irving Street 4San Francisco, CA 94122

(415) 393-9990

Siviq Scores

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

Liabilities / Assets

59th percentile

0.12x

Higher debt load relative to assets than 59% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

0.17x

Higher debt load relative to revenue than 63% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

7th percentile

-46%

Higher net margin than 7% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

93rd percentile

$241,622

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

7th percentile

-23%

Faster asset growth than 7% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

41st percentile

3.4%

Faster revenue growth than 41% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Down

$1,909,059

Down $571,934 (-23%) from 2023

Net Assets

Down

$1,682,477

Down $628,774 (-27%) from 2023

Liabilities

Up

$226,582

Up $56,840 (+33%) from 2023

Revenue

Up

$1,348,420

Up $44,165 (+3.4%) from 2023

Expenses

Up

$1,970,981

Up $439,333 (+29%) from 2023

Net Income

Down

-$622,561

Down $395,168 (-174%) from 2023

Historical Trend

Balance Sheet Trend

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

2024

Assets$1,909,059
Liabilities$226,582
Net Assets$1,682,477

Operations Trend

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

2024

Revenue$1,348,420
Expenses$1,970,981
Net Income-$622,561
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.2
Gross Receipts
$1,463,337
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 ("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
Savings and Temporary Cash Investments$1,998,187$1,425,372▼ $572,815
Cash and Non-Interest-Bearing Accounts$248,266$269,004▲ $20,738
Accounts Receivable$171,743$105,283▼ $66,460
Prepaid Expenses and Deferred Charges$28,704$92,997▲ $64,293
Intangible Assets$26,123$13,433▼ $12,690
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-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Inventories for Sale or Use-$0-
Total Assets$2,480,993$1,909,059▼ $571,934
Other Assets Total$7,970$2,970▼ $5,000
Liabilities
Accounts Payable and Accrued Expenses$169,742$226,582▲ $56,840
Total Liabilities$169,742$226,582▲ $56,840
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,957,651$1,359,847▼ $597,804
Net Assets With Donor Restrictions$353,600$322,630▼ $30,970
Total Net Assets Fund Balance$2,311,251$1,682,477▼ $628,774
Total Liabilities and Net Assets / Fund Balance$2,480,993$1,909,059▼ $571,934

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$14,519$14,519
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amy BachExec DirectorFT$214,668$26,954$241,622
Valerie BrownDeputy Exec DirectorFT$128,800$28,356$157,156
Emily RoganSr Prgm OfficerFT$108,741$12$108,753

Board Members and Trustees

NameTitle
Bill HeddenPresident/Director
Dan VeroffDirector
Doug WertheimerDirector
John EllisonDirector
Maureen SimonsDirector
Rani GuptaDirector
Robert MurielDirector
Steve FalkDirector
William Chip MerlinDirector
Norm BooneTreasurer/Director
Martin KirkwoodVice Pres/Secty
Revenue and Support

Revenue Composition

Contributions and Grants
$1,294,166
Program Service Revenue
$0
Investment Income
$53,236
Other Revenue
$1,018
All Other Contributions
$821,166
Change in Net Assets
$-622,561
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,384,110
Other Expenses$586,583
Total Fundraising Expense$141,344
Professional Fundraising Fees$288
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$887,543$35,691$72,882$996,116
Current Officers, Directors, Trustees, and Key Employees$214,893$9,357$17,372$241,622
Fees for Services Other$130,326--$130,326
Payroll Taxes$72,493$4,810$3,213$80,516
All Other Expenses$38,048$1,503$31,754$71,305
Other Employee Benefits$57,717$4,070$4,069$65,856
Travel$52,820$711$2,038$55,569
Occupancy$41,245$1,530$2,802$45,577
Fees for Services Accounting-$43,570-$43,570
Other Expenses$6,038$22,125$530$28,693
Information Technology$21,357$203$1,489$23,049
Conferences and Meetings$9,930$4,528$4$14,462
Depreciation Depletion$11,549$432$709$12,690
Insurance$8,890$1,936$580$11,406
Interest$883$4,026$3,388$8,297
Office Expenses$2,149$1$12$2,162
Advertising$1,126--$1,126
Fees for Services Professional Fundraising--$288$288
Total Functional Expenses$1,695,068$134,569$141,344$1,970,981
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$114,917
Fundraising Gross Income$114,917
Professional Fundraising Fees$288

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
UP to Good$313,473$114,917$114,917$0
Total Events$313,473$114,917$114,917-
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Jordan BachSon of the ED-No$11,250

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
Yes
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, Section B, Line 11B

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, Section B, Line 12C

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, Section B, Line 15A

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, Section B, Line 15B

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, Section C, Line 19

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
917 Irving Street 4, San Francisco, CA 94122

Signing Officer

Name
Amy Bach
Title
Exec Director
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Amy Bach
Formed
1991
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
11
Employees
19
Volunteers
705

Preparer

Firm
Fontanello Duffield & Otake LLP
Address
111 Pine Street Suite 1750, San Francisco, CA 94111
Preparer
Carol Duffield
Phone
4159830200
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IRS990/Desc0ROADMAP TO RECOVERY(R) HIGHLIGHTS 2024 * Empowered over 500,000 disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and settlements.* Presented 50+ Roadmap to Recovery events in California, Colorado, Florida and Hawaii (in-person and online workshops, Q&A forums, Survivor to Survivor support forums and Claim Guidance Office Hours). * Supported households impacted by the following 2024 California wildfires through online and in person resources: Franklin Fire (Los Angeles County), Mountain Fire (Ventura County), Airport Fire (Orange and Riverside Counties), Boyles Fire (Lake County), Bridge Fire (Los Angeles and San Bernardino Counties), and Line Fire (San Bernardino), Borel Fire (Kern County), French Fire (Mariposa County), Hawarden Fire (Riverside County), Lake Fire (San Bernardino County), Nixon Fire (Riverside County), Park Fire (Butte and Tehama Counties), and Thompson Fire (Butte Fire). * Established and maintained 12 dedicated online help libraries for hurricane, flood and wildfire survivors in California, Maine, Texas, Arkansas, Iowa, Kansas, Kentucky, Michigan, Missouri, Nebraska, Oklahoma, Tennessee, New Mexico, Iowa, Minnesota, South Dakota, Florida, Georgia, South Carolina, North Carolina, Alabama, Virginia, West Virginia.* Distributed 800 free copies of The Disaster Recovery Handbook and Household Inventory Guide and Roadmap to Recovery Organizers to catastrophic loss victims throughout the U.S.* Provided individualized insurance and recovery support to through our Ask an Expert forum, Q & A during R2R events and webinars, and answers to questions submitted to the organization through emails and phone calls. UP staff answered questions and processed consumer complaints with assistance from volunteers with expertise in construction, claim, forensic, and legal professionals as well as people with personal experience in disaster recovery.* 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.* Supported over 705 volunteers that serve through our Team UP volunteer program of previous disaster survivors and professional volunteers that support our programs with 136 individuals volunteering 727 volunteer hours.* 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/TitleTxt0Exec Director
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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 in all 50 states and the District of Columbia. UP guides consumers on shopping for insurance, reducing risk and keeping their assets protected, offers extensive resources related to loss recovery, coverage and the claim process, and is engaged in ongoing advocacy efforts to advance fair insurance practices and uphold policyholders reasonable expectations of coverage.Through a Roadmap to Recovery(R) program, we empower disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and 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, co
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IRS990/ProgSrvcAccomActy2Grp/Desc0ROADMAP TO PREPAREDNESS 2024* Served as expert presenters at 100+ insurance-focused disaster preparedness events throughout the country.* Informed California residents on how to find and maintain insurance on their homes through our Wildfire Risk Reduction and Asset Protection Project (WRAP), outreach and educational activities.* Created a Colorado-specific shopping website that aggregates info and help resources: www.uphelp.org/coinsurancehelp while updating Colorado-specific publications and handouts and delivering a webinar to introduce the new resource.* Translated and distributed insurance and preparedness tips in five languages (Spanish, Vietnamese, Mandarin Chinese, and Tagalog) thanks to a grant from the CA Office of Emergency Services. * Created localized risk reduction help and resource info for all 58 counties in California.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0489077
IRS990/ProgSrvcAccomActy3Grp/Desc0ADVOCACY AND ACTION HIGHLIGHTS 2024 * Continued gathering data, raising awareness about and proposing solutions to a growing affordability and availability crisis related to home, auto and commercial property insurance that is impacting residents of Florida, Louisiana, California, Colorado, New York, and a growing number of other states.* Addressed public officials, realtors, insurance industry and legal professionals at numerous conferences on the negative impacts that climate change, technology and inflation are having on insurance consumers.* Testified at California, Colorado and Oregon legislative hearings, submitted comments on legislative proposals in Florida, Utah, California, Colorado, Louisiana, engaged in numerous conversations with elected officials and their staff members on matters impacting insurance consumers and solutions to patterns of problems that are manifesting. 40+ appearances before government and lawmaking bodies.* Attended meetings of the National Association of Insurance Commissioners (NAIC) in our capacity as an official consumer representative. Briefed state insurance regulators and their staff members on challenges that insurance consumers are encountering, discussed and proposed solutions, commented on proposed NAIC publications and participated in various working groups, and was a presenter in Phoenix, AZ, Chicago, IL, and Aurora, CO.* Participated as a panelist during a Center For Insurance Policy and Research special event titled Measuring and Assessing (Homeowner) Insurance Affordability.* Spoke on several panels during in-person and virtual meetings of the National Conference of State Insurance Legislators (NCOIL) and engaged in ongoing communications with state lawmakers who are members of the organization on issues impacting consumers.* Testified by invitation before the Little Hoover Commission in California on the topic of Californias home insurance market. * Continued collecting samples of coverage limits and exclusions that are appearing in policies across the United States and creating coverage gaps, and using them to advance UPs Restoring Insurance Safety Nets (RISC) Project. This project is aimed at reversing the erosion of insurance protection through policy language changes that reduce the amount of available benefits for repairing and replacing damaged properties. These wording changes and exclusions, designed to protect insurer profitability, are dangerously eroding the financial safety nets that homeowners are paying for and expecting to be able to rely on when disaster strikes. They are causing a ripple effect of harm to people, communities, real estate values, lenders, and ultimately, all of us. * Advocated with the Federal Emergency Management Agency for improvement reforms to the National Flood Insurance Program * Served as a voice for consumers and a source for broadcast, print and online media outlets in over 340 articles.* Actively monitored property insurance markets, premiums and insurance consumer experiences in high population states across the country, aggregated data and provided it to regulators, legislators and journalists.* Drafted and advanced model legislation to establish reasonable regulations on insurers use of aerial images, provide consumers with the right to access images of their property and give property owners the opportunity to cure conditions that are out of compliance with an insurers underwriting guidelines in order to retain their coverage.* Coordinated with a lawmaker in Massachusetts on the introduction of legislation matching UPs proposed model law related to aerial images.* Supported and helped enact legislation in Colorado to facilitate risk reduction (mitigation) of individual homes and condominiums (CO), a Mortgage Homeowners Bill of Rights, and a bill to establish standards for wildfire smoke remediation and insurance claim handling of claims via an initial study group and subsequent rulemaking.* Engaged in extensive communications with C
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Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$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