{"success":true,"data":{"_id":237097511,"filings":[{"Organization":{"value":null,"Person":["Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Chad Chandler","Mr Conleth Kennedy","Mr David Bonenfant CPCU ChFC CLU","Mr John LaPrade","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Ms Carla Marks","Mr Shane Badon","Ms Betty Wooldridge","Mr Judge Parker","Mr Noland Deas","Mr Sam Rooks CPCU AU","Mr Scott Denoon","Ms Cheryl Watts","Ms Kelly Reisling","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Edith Mason","Mr Matt Gannon","Ms Kristin Boyd","Mr Mike Donovan","Ms Susan M Tinsley CPCU"],"Title":["Alternate Board Member","Alternate Board Member","Board Member","Board Member","Vice Chairman","Alternate Board Member","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Board Member","Public Board Member","Public Board Member","Alternate Board Member","Alternate Board Member","Board Member","Alternate Board Member","Board Member","General Manager and Secretary"],"Hours":[0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,178263],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,178263],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2018,"name":"VIRGINIA PROPERTY INSURANCE ASSOCIATION","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2018-10-01T00:00:00","tax_period_end":"2019-09-30T00:00:00","address":"POST OFFICE BOX 5568, GLEN ALLEN, VA, 230585568, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":230585568},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":17749642,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":17056498,"Total revenue":17056498,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":686218,"Investment income total":686218,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6926,"Other total":6926,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":14111320,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":9643310,"Benefits paid to members Total":9643310},"Salaries":{"value":1068024,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":805591,"Pension plan contributions":95773,"Other employee benefits":109182,"Payroll taxes":57478},"Other expenses":{"value":3399986,"Management services":0,"Legal":2783,"Accounting":40940,"Lobbying services":0,"Investment management fees":42759,"Other services":0,"Advertising":0,"Office expenses":237759,"Information technology":137023,"Royalties":0,"Occupancy":0,"Travel":15116,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":9276,"Insurance":24236,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2842749,"COMMISSIONS":1800097,"INSPECTIONS & SURVEYS":396123,"BOARDS, BUREAUS & ASSOCIATIONS":43671,"PREMIUM TAXES & BUSINESS PROPERTY TAX":602858},"All other expenses":47345},"Functional Expenses":{"value":null,"Program Service Expenses":12044980,"Management And General Expenses":2066340,"Fundraising Expenses":0}},"Assets":{"value":35470201,"Non-interest bearing cash":3842112,"Savings and temp cash investments":3992618,"Pledges and grants receivable":0,"Accounts receivable":68079,"Receivables from officers":12732,"Receivables from disqual persons":0,"Other net note and loans":137838,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":27416822,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":14385573,"Sum of Total Liabilities":0,"Accounts payable, accrued":1417043,"Grants payable":0,"Deferred, revenue":10260353,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2708177},"Fund balance":{"value":21084628,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8535686243384744,"percentile":0.6989446803025787},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20498002156888573,"percentile":0.7612340240720862},"Liabilities to Assets Ratio":{"score":0.40556784552757397,"percentile":0.162925472729269},"Operating Reserve Ratio":{"score":2.513599082155319,"percentile":0.6726034348646666},"Officer Compensation Ratio":{"score":0.012632624020998745,"percentile":0.9487762674068043},"Program Expense Growth":{"score":-0.019300228146832896,"percentile":0.2616557312290221},"Revenue Growth":{"score":-0.01899823549842815,"percentile":0.2995900444895378},"Asset Growth":{"score":0.038807974580266844,"percentile":0.48246382569157403},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6354736081856411,"percentile":0.7047236181708482}},"source_xml":"202010499349301316_public.xml"},{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Seaberg","Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Conleth Kennedy","Mr David Bonenfant CPCU ChFC CLU","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Ms Carla Marks","Mr Shane Badon","Ms Betty Wooldridge","Mr Noland Deas","Mr Sam Rooks CPCU AU","Mr Shawn Clavon","Ms Cheryl Watts","Ms Kelly Reisling","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Edith Mason","Mr Matt Gannon","Ms Kristin Boyd","Mr Michael Donovan","Mr Jarrad West","Mr Michael Hernandez","Mr Zach Schwartz"],"Title":["General Manager and Secretary","Assistant Manager","Alternate Board Member","Alternate Board Member","Board Member","Vice Chairman","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Chairman","Board Member","Alternate Board Member","Board Member","Public Board Member","Public Board Member","Alternate Board Member","Alternate Board Member","Board Member","Alternate Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[192815,133380,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[192815,133380,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2020,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2020-10-01T00:00:00","tax_period_end":"2021-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":15500707,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":15254991,"Total revenue":15254991,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":245716,"Investment income total":245716,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":15955167,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":11684079,"Benefits paid to members Total":11684079},"Salaries":{"value":1209409,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":794337,"Pension plan contributions":181982,"Other employee benefits":168912,"Payroll taxes":64178},"Other expenses":{"value":3061679,"Management services":0,"Legal":2465,"Accounting":29920,"Lobbying services":0,"Investment management fees":74442,"Other services":0,"Advertising":0,"Office expenses":236647,"Information technology":89841,"Royalties":0,"Occupancy":0,"Travel":3827,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":17018,"Insurance":19950,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2546656,"Commissions":1594352,"Inspections & Surveys":372174,"Boards, Bureaus & Associations":45471,"Premium Taxes & Business Property Tax":534659},"All other expenses":40913},"Functional Expenses":{"value":null,"Program Service Expenses":13811214,"Management And General Expenses":2143953,"Fundraising Expenses":0}},"Assets":{"value":35925018,"Non-interest bearing cash":3286269,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":13666,"Receivables from officers":19108,"Receivables from disqual persons":0,"Other net note and loans":31389,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":32574586,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":15406434,"Sum of Total Liabilities":0,"Accounts payable, accrued":1292033,"Grants payable":0,"Deferred, revenue":9055921,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5058480},"Fund balance":{"value":20518584,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8656264143145603,"percentile":0.7172125864999638},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.02931866269067598,"percentile":0.32027752375894164},"Liabilities to Assets Ratio":{"score":0.42884972249700753,"percentile":0.15560511312891961},"Operating Reserve Ratio":{"score":2.251622812848026,"percentile":0.6461250310462731},"Officer Compensation Ratio":{"score":0.02044447419447255,"percentile":0.9099815535369884},"Program Expense Growth":{"score":-0.0031361400371150367,"percentile":0.3105370089657164},"Revenue Growth":{"score":-0.02718967529721795,"percentile":0.2749358805840445},"Asset Growth":{"score":0.02772872582857062,"percentile":0.4364957986468085},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5637082981266837,"percentile":0.4980068526750851}},"source_xml":"202230459349301128_public.xml"},{"Organization":{"value":null,"Person":["Ms Bronwyn Koopman","Mr David Bonenfant CPCU CLU ChFC","Mr Charles Foster","Mr Brian Dowler","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Jeffrey E Bouton CPCU","Mr Douglas S Favre","Mr W Eugene Hayes CIC","Mr Tom Mathes","Mr Mark Banks","Ms Betty Wooldridge","Mr Ken Gee","Mr Doug Joyce","Mr Sam Rooks CPCU AU","Ms Darlene Berryman","Mr Kenneth Y Jarvis","Mr Max Malaret","Ms Cheryl Watts","Mr Richard Brady","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Mr Riko Metzroth","Mr Bill Tibbens","Mr Kevin Curry","Mr Matthew Stegle","Mr Michael Flaherty","Mr John-Paul Purssord","Ms Susan M Tinsley CPCU","Mr William Mangan"],"Title":["Board Member","Board Member","Alternate Board Member","Board Member","Board Member","Alternate Board Member","Vice Chairman","Agent Board Member","Agent Board Member","Alternate Board Member","Board Member","Alternate Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Board Member","Alternate Board Member","Alternate Board Member","Public Board Member","Public Board Member","Alternate Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","General Manager and Secretary","Board Member"],"Hours":[0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,50.0,0.8],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,136769,0],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,136769,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2013,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2013-10-01T00:00:00","tax_period_end":"2014-09-30T00:00:00","address":"P O BOX 5568, GLEN ALLEN, VA, 230585568, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":230585568},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":20,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":20,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":18892817,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":18856513,"Total revenue":18856513,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":36304,"Investment income total":36304,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":16202292,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":11208872,"Benefits paid to members Total":11208872},"Salaries":{"value":1059327,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":760831,"Pension plan contributions":79153,"Other employee benefits":157514,"Payroll taxes":61829},"Other expenses":{"value":3934093,"Management services":0,"Legal":10338,"Accounting":21136,"Lobbying services":0,"Investment management fees":559,"Other services":0,"Advertising":0,"Office expenses":234826,"Information technology":98454,"Royalties":0,"Occupancy":78944,"Travel":9510,"Conferences and meetings":10702,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":26901,"Insurance":31053,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3397406,"COMMISSIONS":2091511,"INSPECTIONS & SURVEYS":566887,"PREMIUM TAXES & BUSINESS PROPERTY TAXES":702239,"BOARDS, BUREAUS & ASSOCIATIONS":36769},"All other expenses":14264},"Functional Expenses":{"value":null,"Program Service Expenses":13999173,"Management And General Expenses":2203119,"Fundraising Expenses":0}},"Assets":{"value":28246399,"Non-interest bearing cash":4791216,"Savings and temp cash investments":23359223,"Pledges and grants receivable":0,"Accounts receivable":83669,"Receivables from officers":12291,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":16331832,"Sum of Total Liabilities":0,"Accounts payable, accrued":1568111,"Grants payable":0,"Deferred, revenue":11814831,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2948890},"Fund balance":{"value":11914567,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8640242380522459,"percentile":0.7147954210403358},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.14240994341923705,"percentile":0.6884359054260529},"Liabilities to Assets Ratio":{"score":0.5781916484292388,"percentile":0.11679145506716287},"Operating Reserve Ratio":{"score":1.7433582236389764,"percentile":0.579568490654996},"Officer Compensation Ratio":{"score":0.008441336571393726,"percentile":0.9672305446468384},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7233992724722093,"percentile":0.8844450515090544}},"source_xml":"201520449349302437_public.xml"},{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Biester","Mr Tom Mathes","Mr Conleth Kennedy","Mr David Bonenfant CPCU ChFC CLU","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Ms Carla Marks","Mr Shane Badon","Ms Betty Wooldridge","Mr Noland Deas","Mr Sam Rooks CPCU AU","Ms Heather Hamilton","Ms Cheryl Watts","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Edith Mason","Mr Michael Donovan","Mr Jarrad West","Mr Michael Hernandez","Mr Zach Schwartz"],"Title":["General Manager and Secretary","Assistant Manager","Alternate Board Member","Board Member","Vice Chairman","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Chairman","Board Member","Alternate Board Member","Public Board Member","Public Board Member","Alternate Board Member","Alternate Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[198264,135509,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[198264,135509,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2021,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2021-10-01T00:00:00","tax_period_end":"2022-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":14542015,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":14488348,"Total revenue":14488348,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":53667,"Investment income total":53667,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":13739599,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":9471894,"Benefits paid to members Total":9471894},"Salaries":{"value":1225491,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":819929,"Pension plan contributions":188285,"Other employee benefits":148535,"Payroll taxes":68742},"Other expenses":{"value":3042214,"Management services":0,"Legal":1360,"Accounting":37437,"Lobbying services":0,"Investment management fees":65473,"Other services":0,"Advertising":0,"Office expenses":232133,"Information technology":163457,"Royalties":0,"Occupancy":0,"Travel":22103,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":12378,"Insurance":20967,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2441157,"COMMISSIONS":1556122,"INSEPECTION & SURVEYS":324254,"BOARDS, BUREAUS & ASSOCIATIONS":38662,"PREMIUM TAXES & BUSINESS PROPERTY TAX":522119},"All other expenses":45749},"Functional Expenses":{"value":null,"Program Service Expenses":11548618,"Management And General Expenses":2190981,"Fundraising Expenses":0}},"Assets":{"value":26208829,"Non-interest bearing cash":3329191,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":49320,"Receivables from officers":13474,"Receivables from disqual persons":0,"Other net note and loans":21873,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":22794971,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":13368258,"Sum of Total Liabilities":0,"Accounts payable, accrued":1118259,"Grants payable":0,"Deferred, revenue":8937521,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3312478},"Fund balance":{"value":12840571,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8405353023767288,"percentile":0.6793376861914238},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.05517914814418772,"percentile":0.536385404466035},"Liabilities to Assets Ratio":{"score":0.5100669701801633,"percentile":0.13287096895775877},"Operating Reserve Ratio":{"score":1.9075395868540268,"percentile":0.6036458479639001},"Officer Compensation Ratio":{"score":0.024292775939094,"percentile":0.8900235257114977},"Program Expense Growth":{"score":-0.011723532385302216,"percentile":0.2828956444767399},"Revenue Growth":{"score":-0.03249537393891233,"percentile":0.26053354409240476},"Asset Growth":{"score":0.004289027863578048,"percentile":0.33789079201206},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5746442043211409,"percentile":0.5306623512638932}},"source_xml":"202340459349302104_public.xml"},{"Organization":{"value":null,"Person":["Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Chad Chandler","Mr Conleth Kennedy","Mr David Bonenfant CPCU ChFC CLU","Mr John LaPrade","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Mr W Eugene Hayes CIC","Mr Shane Badon","Ms Betty Wooldridge","Mr Ronald Weist","Mr Doug Joyce","Mr Sam Rooks CPCU AU","Mr Scott Denoon","Ms Cheryl Watts","Ms Kelly Reisling","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Edith Mason","Mr Cornelius Scott","Ms Kristin Boyd","Mr Mike Donovan","Ms Susan M Tinsley CPCU"],"Title":["Alternate Board Member","Alternate Board Member","Board Member","Board Member","Vice Chairman","Alternate Board Member","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Board Member","Public Board Member","Public Board Member","Alternate Board Member","Alternate Board Member","Board Member","Alternate Board Member","Board Member","General Manager and Secretary"],"Hours":[0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,164355],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,164355],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2016,"name":"VIRGINIA PROPERTY INSURANCE ASSOCIATION","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2016-10-01T00:00:00","tax_period_end":"2017-09-30T00:00:00","address":"P O BOX 5568, GLEN ALLEN, VA, 230585568, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":230585568},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":18122657,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":18070116,"Total revenue":18070116,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":52541,"Investment income total":52541,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":14081780,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":9473353,"Benefits paid to members Total":9473353},"Salaries":{"value":1011247,"Current officers":117337,"Disqualified persons":0,"Other salaries and wages":624643,"Pension plan contributions":109625,"Other employee benefits":102285,"Payroll taxes":57357},"Other expenses":{"value":3597180,"Management services":0,"Legal":14915,"Accounting":28379,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":225743,"Information technology":157565,"Royalties":0,"Occupancy":78492,"Travel":3978,"Conferences and meetings":12031,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6001,"Insurance":28516,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3029875,"COMMISSIONS":1897851,"INSPECTIONS & SURVEYS":454915,"PREMIUM TAXES & BUSINESS PROPERTY TAXES":636322,"BOARDS, BUREAUS & ASSOCIATIONS":40787},"All other expenses":11685},"Functional Expenses":{"value":null,"Program Service Expenses":12005723,"Management And General Expenses":2076057,"Fundraising Expenses":0}},"Assets":{"value":34204665,"Non-interest bearing cash":3646572,"Savings and temp cash investments":30479217,"Pledges and grants receivable":0,"Accounts receivable":66214,"Receivables from officers":12662,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":14716991,"Sum of Total Liabilities":0,"Accounts payable, accrued":1401708,"Grants payable":0,"Deferred, revenue":10613891,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2701392},"Fund balance":{"value":19487674,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.852571407875993,"percentile":0.6974674341230777},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.22297376151852347,"percentile":0.7781481119918381},"Liabilities to Assets Ratio":{"score":0.43026268492908787,"percentile":0.1551737205296993},"Operating Reserve Ratio":{"score":2.429001518273968,"percentile":0.664563839524164},"Officer Compensation Ratio":{"score":0.011671464829020196,"percentile":0.9531283042587056},"Program Expense Growth":{"score":-0.059854760968782644,"percentile":0.18382246459086155},"Revenue Growth":{"score":-0.014355813273637207,"percentile":0.31480092534655},"Asset Growth":{"score":0.07003956001868167,"percentile":0.5978658342554881},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6363619196763296,"percentile":0.707051839829069}},"source_xml":"201830159349300238_public.xml"},{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Biester","Mr Sam Rooks CPCU AU","Mr David Bonenfant CPCU ChFC CLU","Mr Zack Schwartz","Mr Eddie Redfearn","Mr Conleth Kennedy","Ms Betty Wooldridge","Mr Noland Deas","Ms Robee Berry","Mr Karl Eckhardt","Mr Shane Badon","Mr Matt Moore","Mr Avrum Heafitz","Mr Matt Youngsma","Mr Chad Harvel","Mr Scott DeNoon","Ms Edith Mason","Mr Tom Mathes","Ms Melanie Hartwell","Mr Peter Maercklein","Ms Cheryl Watts","Mr Kenneth Jarvis","Mr Douglas S Favre","Ms Carla Marks","Mr Larry Halterman","Mr James Stacia"],"Title":["General Manager and Secretary","Assistant Manager","Chairman","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Public Board Member","Public Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[228896,158555,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[228896,158555,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2023,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2023-10-01T00:00:00","tax_period_end":"2024-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":18140758,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":16864407,"Total revenue":16864407,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1276351,"Investment income total":1276351,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":19202869,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":14035182,"Benefits paid to members Total":14035182},"Salaries":{"value":1216079,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":881866,"Pension plan contributions":139030,"Other employee benefits":127797,"Payroll taxes":67386},"Other expenses":{"value":3951608,"Management services":0,"Legal":17977,"Accounting":41516,"Lobbying services":0,"Investment management fees":77362,"Other services":0,"Advertising":0,"Office expenses":267203,"Information technology":171801,"Royalties":0,"Occupancy":0,"Travel":15984,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":10330,"Insurance":22423,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3256272,"COMMISSIONS":2068401,"Inspections & Surveys":458284,"Boards, Bureaus & Associations":35478,"Premium Taxes & Business Property Tax":694109},"All other expenses":70740},"Functional Expenses":{"value":null,"Program Service Expenses":16796346,"Management And General Expenses":2406523,"Fundraising Expenses":0}},"Assets":{"value":30357904,"Non-interest bearing cash":9464074,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":139697,"Receivables from officers":28017,"Receivables from disqual persons":0,"Other net note and loans":196921,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":20529195,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":19535314,"Sum of Total Liabilities":0,"Accounts payable, accrued":1442712,"Grants payable":0,"Deferred, revenue":12336003,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5756599},"Fund balance":{"value":10822590,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.874678986770154,"percentile":0.7310268018979643},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.058548325268436965,"percentile":0.27268158361286726},"Liabilities to Assets Ratio":{"score":0.6435000914424132,"percentile":0.10363992114487416},"Operating Reserve Ratio":{"score":1.5809046033694236,"percentile":0.5529474103922207},"Officer Compensation Ratio":{"score":0.02017672463422002,"percentile":0.9114056966702108},"Program Expense Growth":{"score":0.0035250620738334093,"percentile":0.33736817706240185},"Revenue Growth":{"score":-0.021827777175010898,"percentile":0.29080384372136464},"Asset Growth":{"score":-0.007471767298745984,"percentile":0.28964202637245934},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5478617365703303,"percentile":0.45102645137382474}},"source_xml":"202540449349301044_public.xml"},{"Organization":{"value":null,"Person":["Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Chad Chandler","Ms Lisa Allen","Ms Erin Rio","Mr David Bonenfant CPCU CLU ChFC","Mr Charles Foster","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Mr W Eugene Hayes CIC","Mr Mark Banks","Ms Betty Wooldridge","Mr Ken Gee","Mr Doug Joyce","Mr Sam Rooks CPCU AU","Ms Darlene Berryman","Ms Cheryl Watts","Mr Richard Brady","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Nancy Newmister","Mr Cornelius Scott","Ms Kristin Boyd","Ms Susan M Tinsley CPCU"],"Title":["Alternate Board Member","Alternate Board Member","Board Member","Board Member","Board Member","Vice Chairman","Alternate Board Member","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Alternate Board Member","Public Board Member","Public Board Member","Alternate Board Member","Board Member","Board Member","Alternate Board Member","General Manager and Secretary"],"Hours":[0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,149892],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,149892],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2014,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2014-10-01T00:00:00","tax_period_end":"2015-09-30T00:00:00","address":"P O BOX 5568, GLEN ALLEN, VA, 230585568, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":230585568},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":19,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":19,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":19605973,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19570354,"Total revenue":19570354,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":35619,"Investment income total":35619,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":16388218,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":11684909,"Benefits paid to members Total":11684909},"Salaries":{"value":886745,"Current officers":110422,"Disqualified persons":0,"Other salaries and wages":563951,"Pension plan contributions":55095,"Other employee benefits":102568,"Payroll taxes":54709},"Other expenses":{"value":3816564,"Management services":0,"Legal":3559,"Accounting":26373,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":223815,"Information technology":124284,"Royalties":0,"Occupancy":79281,"Travel":3949,"Conferences and meetings":15156,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":22074,"Insurance":27960,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3279069,"COMMISSIONS":2081866,"INSPECTIONS & SURVEYS":459915,"PREMIUM TAXES & BUSINESS PROPERTY TAXES":698814,"BOARDS, BUREAUS & ASSOCIATIONS":38474},"All other expenses":11044},"Functional Expenses":{"value":null,"Program Service Expenses":14462668,"Management And General Expenses":1925550,"Fundraising Expenses":0}},"Assets":{"value":31082797,"Non-interest bearing cash":1598605,"Savings and temp cash investments":29410671,"Pledges and grants receivable":0,"Accounts receivable":56794,"Receivables from officers":16727,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":15971326,"Sum of Total Liabilities":0,"Accounts payable, accrued":1601790,"Grants payable":0,"Deferred, revenue":11712133,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2657403},"Fund balance":{"value":15111471,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8825040037910162,"percentile":0.7432088969089605},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16412115838372315,"percentile":0.7164933756620313},"Liabilities to Assets Ratio":{"score":0.5138316863826637,"percentile":0.13193792371110707},"Operating Reserve Ratio":{"score":1.896655084768826,"percentile":0.6021402679204949},"Officer Compensation Ratio":{"score":0.009146326952692477,"percentile":0.9641805536087816},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7428700220932873,"percentile":0.9091543587761177}},"source_xml":"201610439349302921_public.xml"},{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Seaberg","Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Conleth Kennedy","Mr David Bonenfant CPCU ChFC CLU","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Ms Carla Marks","Mr Shane Badon","Ms Betty Wooldridge","Mr Noland Deas","Mr Sam Rooks CPCU AU","Mr Scott Denoon","Ms Cheryl Watts","Ms Kelly Reisling","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Edith Mason","Mr Matt Gannon","Ms Kristin Boyd","Mr Mike Donovan","Mr Jarrad West"],"Title":["General Manager and Secretary","Assistant Manager","Alternate Board Member","Alternate Board Member","Board Member","Vice Chairman","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Board Member","Public Board Member","Public Board Member","Alternate Board Member","Alternate Board Member","Board Member","Alternate Board Member","Board Member","Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[186234,130202,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[186234,130202,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2019,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2019-10-01T00:00:00","tax_period_end":"2020-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":17079029,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":16430822,"Total revenue":16430822,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":648207,"Investment income total":648207,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":15919655,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":11450574,"Benefits paid to members Total":11450574},"Salaries":{"value":1146769,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":772017,"Pension plan contributions":153684,"Other employee benefits":161304,"Payroll taxes":59764},"Other expenses":{"value":3322312,"Management services":0,"Legal":17055,"Accounting":30800,"Lobbying services":0,"Investment management fees":58958,"Other services":0,"Advertising":0,"Office expenses":247270,"Information technology":164725,"Royalties":0,"Occupancy":0,"Travel":6916,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":8894,"Insurance":17248,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2726371,"Commissions":1703605,"Inspections & Surveys":407627,"Boards, Bureaus & Associations":44985,"Premium Taxes & Business Property Tax":570154},"All other expenses":44075},"Functional Expenses":{"value":null,"Program Service Expenses":13723190,"Management And General Expenses":2196465,"Fundraising Expenses":0}},"Assets":{"value":36304642,"Non-interest bearing cash":7541974,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":386897,"Receivables from officers":15279,"Receivables from disqual persons":0,"Other net note and loans":91700,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":28268792,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":14854526,"Sum of Total Liabilities":0,"Accounts payable, accrued":1425865,"Grants payable":0,"Deferred, revenue":9417189,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4011472},"Fund balance":{"value":21450116,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8620281029959506,"percentile":0.71176641183247},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06788289896340126,"percentile":0.5630427423518025},"Liabilities to Assets Ratio":{"score":0.4091632689836192,"percentile":0.16176485047514638},"Operating Reserve Ratio":{"score":2.2804917568879475,"percentile":0.649284121950771},"Officer Compensation Ratio":{"score":0.019877063918784674,"percentile":0.9130061483326146},"Program Expense Growth":{"score":-0.0087782271223495,"percentile":0.29189092382954257},"Revenue Growth":{"score":-0.02062463462409404,"percentile":0.2944618910475269},"Asset Growth":{"score":0.033643901617050075,"percentile":0.4612003890292408},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6043784227010794,"percentile":0.6182924387991879}},"source_xml":"202100479349300745_public.xml"},{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Biester","Mr David Bonenfant CPCU ChFC CLU","Ms Nicole Sportiello","Mr Conleth Kennedy","Ms Betty Wooldridge","Mr Noland Deas","Ms Robee Berry","Mr Karl Eckhardt","Mr Shane Badon","Mr Matt Hudnell","Mr Matt Youngsma","Mr Chad Harvel","Mr Scott DeNoon","Ms Edith Mason","Mr Tom Mathes","Ms Melanie Hartwell","Mr Peter Maercklein","Ms Cheryl Watts","Mr Kenneth Jarvis","Mr Eddie Redfearn","Ms Carla Marks","Mr James Stacia"],"Title":["General Manager and Secretary","Assistant Manager","Chairman","Board Member","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Public Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[227230,158566,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[227230,158566,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2024,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2024-10-01T00:00:00","tax_period_end":"2025-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":19,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":19,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":22316997,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":21040474,"Total revenue":21040474,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1276523,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":1276523},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":11991601,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":6165922,"Benefits paid to members Total":6165922},"Salaries":{"value":1177046,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":842562,"Pension plan contributions":117878,"Other employee benefits":150771,"Payroll taxes":65835},"Other expenses":{"value":4648633,"Management services":0,"Legal":687,"Accounting":44240,"Lobbying services":0,"Investment management fees":86898,"Other services":0,"Advertising":0,"Office expenses":291962,"Information technology":179481,"Royalties":0,"Occupancy":0,"Travel":19885,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":8583,"Insurance":23020,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3841295,"Commissions":2480344,"Inspections & Surveys":495436,"Boards, Bureaus & Associations":35337,"Premium Taxes & Business Property Tax":830178},"All other expenses":152582},"Functional Expenses":{"value":null,"Program Service Expenses":9475270,"Management And General Expenses":2516331,"Fundraising Expenses":0}},"Assets":{"value":38193703,"Non-interest bearing cash":14006921,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":61658,"Receivables from officers":22709,"Receivables from disqual persons":0,"Other net note and loans":265694,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":23836721,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":17823612,"Sum of Total Liabilities":0,"Accounts payable, accrued":1518611,"Grants payable":0,"Deferred, revenue":13910449,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2394552},"Fund balance":{"value":20370091,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7901588787018514,"percentile":0.6132172750195355},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.46266959663076535,"percentile":0.9072238065705949},"Liabilities to Assets Ratio":{"score":0.4666636277713109,"percentile":0.14455851289589386},"Operating Reserve Ratio":{"score":3.1850378444045964,"percentile":0.7249212298709505},"Officer Compensation Ratio":{"score":0.03217218451481166,"percentile":0.8483863862465673},"Program Expense Growth":{"score":-0.008917527745002487,"percentile":0.2914513355172789},"Revenue Growth":{"score":-0.005847802414442354,"percentile":0.3455174921910236},"Asset Growth":{"score":0.0011534900578433662,"percentile":0.32486268607925195},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.630938455984505,"percentile":0.6926275447300737}},"source_xml":"202600419349300515_public.xml"},{"Organization":{"value":null,"Person":["Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Chad Chandler","Mr Conleth Kennedy","Mr David Bonenfant CPCU ChFC CLU","Mr John LaPrade","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Mr W Eugene Hayes CIC","Mr Shane Badon","Ms Betty Wooldridge","Mr Ronald Weist","Mr Doug Joyce","Mr Sam Rooks CPCU AU","Mr Scott Denoon","Ms Cheryl Watts","Ms Kelly Reisling","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Ms Edith Mason","Mr Cornelius Scott","Ms Kristin Boyd","Mr Mike Donovan","Ms Susan M Tinsley CPCU"],"Title":["Alternate Board Member","Alternate Board Member","Board Member","Board Member","Vice Chairman","Alternate Board Member","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Board Member","Public Board Member","Public Board Member","Alternate Board Member","Alternate Board Member","Board Member","Alternate Board Member","Board Member","General Manager and Secretary"],"Hours":[0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,171698],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,171698],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2017,"name":"VIRGINIA PROPERTY INSURANCE ASSOCIATION","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2017-10-01T00:00:00","tax_period_end":"2018-09-30T00:00:00","address":"P O BOX 5568, GLEN ALLEN, VA, 230585568, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":230585568},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":17756469,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":17268415,"Total revenue":17268415,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":474703,"Investment income total":474703,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":13351,"Other total":13351,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":16936563,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":12438632,"Benefits paid to members Total":12438632},"Salaries":{"value":1022379,"Current officers":0,"Disqualified persons":122637,"Other salaries and wages":635866,"Pension plan contributions":96242,"Other employee benefits":107581,"Payroll taxes":60053},"Other expenses":{"value":3475552,"Management services":0,"Legal":5378,"Accounting":29103,"Lobbying services":0,"Investment management fees":29538,"Other services":0,"Advertising":0,"Office expenses":192205,"Information technology":184092,"Royalties":0,"Occupancy":81431,"Travel":1849,"Conferences and meetings":11770,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6216,"Insurance":26844,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2880143,"COMMISSIONS":1837772,"INSPECTIONS & SURVEYS":384789,"BOARDS, BUREAUS & ASSOCIATIONS":42363,"PREMIUM TAXES & BUSINESS PROPERTY TAX":615219},"All other expenses":26983},"Functional Expenses":{"value":null,"Program Service Expenses":14890211,"Management And General Expenses":2046352,"Fundraising Expenses":0}},"Assets":{"value":34652776,"Non-interest bearing cash":3782149,"Savings and temp cash investments":4500000,"Pledges and grants receivable":0,"Accounts receivable":96341,"Receivables from officers":12259,"Receivables from disqual persons":0,"Other net note and loans":136099,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":26125928,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":15888605,"Sum of Total Liabilities":0,"Accounts payable, accrued":1407812,"Grants payable":0,"Deferred, revenue":10400789,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4080004},"Fund balance":{"value":18764171,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8791754856047239,"percentile":0.7379737861809511},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.04617505879124954,"percentile":0.5163170445835157},"Liabilities to Assets Ratio":{"score":0.45850886520606604,"percentile":0.1468666476575341},"Operating Reserve Ratio":{"score":2.0460335429331207,"percentile":0.6220110952155091},"Officer Compensation Ratio":{"score":0.010137712120221794,"percentile":0.9599100777662246},"Program Expense Growth":{"score":-0.004971581857632432,"percentile":0.3042718043943407},"Revenue Growth":{"score":-0.020069883796064687,"percentile":0.2961904065987075},"Asset Growth":{"score":0.048565658863026065,"percentile":0.5212607732306613},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6089995476194787,"percentile":0.6315890202810465}},"source_xml":"201900469349300040_public.xml"},{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Biester","Mr Sam Rooks CPCU AU","Mr David Bonenfant CPCU ChFC CLU","Mr Zack Schwartz","Mr Jarrad West","Mr Conleth Kennedy","Ms Betty Wooldridge","Mr Noland Deas","Ms Robee Berry","Mr Michael Hernandez","Mr Shane Badon","Ms Heather Hamilton","Mr Avrum Heafitz","Mr Matt Youngsma","Mr Chad Harvel","Mr Scott DeNoon","Ms Edith Mason","Mr Tom Mathes","Ms Melanie Hartwell","Mr Peter Maercklein","Ms Cheryl Watts","Mr Kenneth Jarvis","Mr Douglas S Favre","Ms Carla Marks","Mr Larry Halterman","Mr James Stacia"],"Title":["General Manager and Secretary","Assistant Manager","Chairman","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Public Board Member","Public Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[214211,148302,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[214211,148302,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2022,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2022-10-01T00:00:00","tax_period_end":"2023-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":15058529,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":14543178,"Total revenue":14543178,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":515351,"Investment income total":515351,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":14685084,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":10088069,"Benefits paid to members Total":10088069},"Salaries":{"value":1207470,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":851825,"Pension plan contributions":160293,"Other employee benefits":125547,"Payroll taxes":69805},"Other expenses":{"value":3389545,"Management services":0,"Legal":170,"Accounting":47628,"Lobbying services":0,"Investment management fees":69541,"Other services":0,"Advertising":0,"Office expenses":247866,"Information technology":153508,"Royalties":0,"Occupancy":0,"Travel":11801,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":11530,"Insurance":22585,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2770403,"Commissions":1721765,"Inspections & Surveys":435284,"Boards, Bureaus & Associations":36023,"Premium Taxes & Business Property Tax":577331},"All other expenses":54513},"Functional Expenses":{"value":null,"Program Service Expenses":12385798,"Management And General Expenses":2299286,"Fundraising Expenses":0}},"Assets":{"value":27761567,"Non-interest bearing cash":3128878,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":16586,"Receivables from officers":12121,"Receivables from disqual persons":0,"Other net note and loans":187829,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":24416153,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":15178810,"Sum of Total Liabilities":0,"Accounts payable, accrued":1224037,"Grants payable":0,"Deferred, revenue":10006014,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3948759},"Fund balance":{"value":12582757,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8434271128445707,"percentile":0.6834481966922575},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.024799567075907615,"percentile":0.46473245957194265},"Liabilities to Assets Ratio":{"score":0.5467562403808114,"percentile":0.1238969377270649},"Operating Reserve Ratio":{"score":1.890460211191165,"percentile":0.6012571290225511},"Officer Compensation Ratio":{"score":0.024685796826221764,"percentile":0.8879693604102861},"Program Expense Growth":{"score":-0.012053234267991658,"percentile":0.28189221774445783},"Revenue Growth":{"score":-0.031985279552727265,"percentile":0.2618625468979529},"Asset Growth":{"score":-0.005780608794882738,"percentile":0.2959650131615579},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5607759029057213,"percentile":0.489319918094274}},"source_xml":"202440449349301964_public.xml"},{"Organization":{"value":null,"Person":["Mr Tom Mathes","Mr Kenneth Y Jarvis","Mr Chad Chandler","Ms Lisa Allen","Mr David Bonenfant CPCU CLU ChFC","Mr John LaPrade","Ms Corise Morrison CPCU","Ms Melanie Hartwell","Mr Douglas S Favre","Mr W Eugene Hayes CIC","Mr Mark Banks","Ms Betty Wooldridge","Mr Ken Gee","Mr Doug Joyce","Mr Sam Rooks CPCU AU","Mr Scott Denoon","Ms Cheryl Watts","Mr Richard Brady","Mr Larry Halterman","Mr James Stacia","Mr Peter Maercklein","Mr Mark Roso","Mr Cornelius Scott","Ms Kristin Boyd","Mr Mike Donovan","Ms Susan M Tinsley CPCU"],"Title":["Alternate Board Member","Alternate Board Member","Board Member","Board Member","Vice Chairman","Alternate Board Member","Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Chairman","Alternate Board Member","Alternate Board Member","Alternate Board Member","Public Board Member","Public Board Member","Alternate Board Member","Board Member","Board Member","Alternate Board Member","Board Member","General Manager and Secretary"],"Hours":[0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,157351],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,157351],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2015,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2015-10-01T00:00:00","tax_period_end":"2016-09-30T00:00:00","address":"P O BOX 5568, GLEN ALLEN, VA, 230585568, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":230585568},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":19195421,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19154238,"Total revenue":19154238,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":41183,"Investment income total":41183,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":14408279,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":9869009,"Benefits paid to members Total":9869009},"Salaries":{"value":921847,"Current officers":112280,"Disqualified persons":0,"Other salaries and wages":560871,"Pension plan contributions":93613,"Other employee benefits":101876,"Payroll taxes":53207},"Other expenses":{"value":3617423,"Management services":0,"Legal":4480,"Accounting":26353,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":217171,"Information technology":128338,"Royalties":0,"Occupancy":78147,"Travel":7098,"Conferences and meetings":12928,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":10452,"Insurance":28963,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3092479,"COMMISSIONS":1982725,"INSPECTIONS & SURVEYS":404667,"PREMIUM TAXES & BUSINESS PROPERTY TAXES":665041,"BOARDS, BUREAUS & ASSOCIATIONS":40046},"All other expenses":11014},"Functional Expenses":{"value":null,"Program Service Expenses":12514888,"Management And General Expenses":1893391,"Fundraising Expenses":0}},"Assets":{"value":35865724,"Non-interest bearing cash":2488648,"Savings and temp cash investments":33431560,"Pledges and grants receivable":0,"Accounts receivable":-67267,"Receivables from officers":12783,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":16053483,"Sum of Total Liabilities":0,"Accounts payable, accrued":1701872,"Grants payable":0,"Deferred, revenue":11097872,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3253739},"Fund balance":{"value":19812241,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8685900654755505,"percentile":0.7217033343268913},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.24938978936695372,"percentile":0.8003315480796686},"Liabilities to Assets Ratio":{"score":0.44759958003357186,"percentile":0.15003510954012647},"Operating Reserve Ratio":{"score":2.489244135264177,"percentile":0.6702882771495995},"Officer Compensation Ratio":{"score":0.010920874033602486,"percentile":0.9564371416138433},"Program Expense Growth":{"score":-0.05433394891036813,"percentile":0.19166735932531334},"Revenue Growth":{"score":0.007867444447762705,"percentile":0.40501885436990515},"Asset Growth":{"score":0.12005879620467143,"percentile":0.7282270768949546},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6631410414440684,"percentile":0.7731571761603061}},"source_xml":"201730469349303418_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Ms Susan M Tinsley CPCU","Ms Kelly Biester","Mr David Bonenfant CPCU ChFC CLU","Ms Nicole Sportiello","Mr Conleth Kennedy","Ms Betty Wooldridge","Mr Noland Deas","Ms Robee Berry","Mr Karl Eckhardt","Mr Shane Badon","Mr Matt Hudnell","Mr Matt Youngsma","Mr Chad Harvel","Mr Scott DeNoon","Ms Edith Mason","Mr Tom Mathes","Ms Melanie Hartwell","Mr Peter Maercklein","Ms Cheryl Watts","Mr Kenneth Jarvis","Mr Eddie Redfearn","Ms Carla Marks","Mr James Stacia"],"Title":["General Manager and Secretary","Assistant Manager","Chairman","Board Member","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Alternate Board Member","Agent Board Member","Agent Board Member","Public Board Member"],"Hours":[50.0,50.0,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8,0.8],"Total Compensation":[227230,158566,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[227230,158566,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The virginia property insurance association (vpia or \"the association\") was established by the virginia state corporation commission for the purpose of administering a program of equitable distribution and placement of basic property insurance in compliance with the urban property protection and reinsurance act of 1968. the program became effective on july 26, 1968, as the virginia insurance placement facility and was reorganized as vpia october 1, 1973. vpia issues policies on behalf of its members who bear the direct risk on a pro-rata basis. vpia is responsible for the collection of premiums, payment of commissions, losses and loss adjustment expenses, and also general administrative expenses. assessments are made on participating companies for funds as they are needed.","year":2024,"name":"VIRGINIA PROPERTY INSURANCE ASSN","phone":8045913700,"website":"www.vpia.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SUSAN TINSLEY","year_formation":1968,"state_legal_domicile":"VA","total_volunteers":0,"tax_period_begin":"2024-10-01T00:00:00","tax_period_end":"2025-09-30T00:00:00","address":"301 CONCOURSE BLVD SUITE 190, GLEN ALLEN, VA, 23059, USA","city":"GLEN ALLEN","state":"VA","country":"USA","zip_code":23059},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":19,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":19,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":22316997,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":21040474,"Total revenue":21040474,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1276523,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":1276523},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":11991601,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":6165922,"Benefits paid to members Total":6165922},"Salaries":{"value":1177046,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":842562,"Pension plan contributions":117878,"Other employee benefits":150771,"Payroll taxes":65835},"Other expenses":{"value":4648633,"Management services":0,"Legal":687,"Accounting":44240,"Lobbying services":0,"Investment management fees":86898,"Other services":0,"Advertising":0,"Office expenses":291962,"Information technology":179481,"Royalties":0,"Occupancy":0,"Travel":19885,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":8583,"Insurance":23020,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3841295,"Commissions":2480344,"Inspections & Surveys":495436,"Boards, Bureaus & Associations":35337,"Premium Taxes & Business Property Tax":830178},"All other expenses":152582},"Functional Expenses":{"value":null,"Program Service Expenses":9475270,"Management And General Expenses":2516331,"Fundraising Expenses":0}},"Assets":{"value":38193703,"Non-interest bearing cash":14006921,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":61658,"Receivables from officers":22709,"Receivables from disqual persons":0,"Other net note and loans":265694,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":23836721,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":17823612,"Sum of Total Liabilities":0,"Accounts payable, accrued":1518611,"Grants payable":0,"Deferred, revenue":13910449,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2394552},"Fund balance":{"value":20370091,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7901588787018514,"percentile":0.6132172750195355},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.46266959663076535,"percentile":0.9072238065705949},"Liabilities to Assets Ratio":{"score":0.4666636277713109,"percentile":0.14455851289589386},"Operating Reserve Ratio":{"score":3.1850378444045964,"percentile":0.7249212298709505},"Officer Compensation Ratio":{"score":0.03217218451481166,"percentile":0.8483863862465673},"Program Expense Growth":{"score":-0.008917527745002487,"percentile":0.2914513355172789},"Revenue Growth":{"score":-0.005847802414442354,"percentile":0.3455174921910236},"Asset Growth":{"score":0.0011534900578433662,"percentile":0.32486268607925195},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.630938455984505,"percentile":0.6926275447300737}},"source_xml":"202600419349300515_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}