American Property Casualty Insurance Association

EIN: 200487810 Community Improvement

CHICAGO, IL

Total Revenue
$70,416,266
Total Expenses
$71,091,760
Total Assets
$172,600,156
Net Assets
$124,074,142
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2004
Legal Domicile
DC
Phone
8472977800
Tax Period
2023-01-01 to 2023-12-31

American Property Casualty Insurance Association, founded in 2004, is a mid-sized nonprofit in the Community Improvement sector that reported $70.4M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

APCIA PROMOTES AND PROTECTS THE VIABILITY OF A COMPETITIVE PRIVATE INSURANCE MARKET FOR THE BENEFIT OF CONSUMERS AND INSURERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $64,631,457
Investment Income $5,675,185
Other Revenue $109,624
TOTAL REVENUE $70,416,266

Expense Breakdown

Grants Paid $2,471,736
Salaries & Benefits $38,721,156
Fundraising Expenses $0
Program Expenses $0
Other Expenses $29,756,868
TOTAL EXPENSES $71,091,760

Year-over-Year Comparison

2023 2022 Change
Revenue $70,416,266 $62,070,761 +0.1%
Expenses $71,091,760 $59,177,169 +0.2%
Net Income $-675,494 $2,893,592 -1.2%
Key Indicators
✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

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Liquidity & Cash Position

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Governance

Voting Members
58
Independent Members
58
Employees
136
Volunteers
66

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
14
$9,129,212
Total Directors
66
$0
Key Employees
0
$0
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
N/A Director, Chair 1.0
Officer Director
$0 $0 $0
N/A Director, Immediate Past Chair 1.0
Officer Director
$0 $0 $0
N/A Director, Chair-Elect 1.0
Officer Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term End 7/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 7/2023) 1.0
Director
$0 $0 $0
N/A Director (Term End 9/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 1/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term End 7/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 1/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 11/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 11/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 1/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term end 6/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 1/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term End 7/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term End 9/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director (Term Beg 11/2023) 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A Director 1.0
Director
$0 $0 $0
N/A SR VP, STATE GOV RELATIONS 40.0
Officer
$335,378 $55,656 $391,034
N/A SR VP, GEN COUNSEL & CORP SEC 40.0
Officer
$545,668 $55,590 $601,258
N/A President & CEO 40.0
Officer
$2,810,087 $73,131 $2,883,218
N/A SR VP, PUBLIC AFFAIRS 40.0
Officer
$416,409 $57,528 $473,937
N/A EXEC VP & CHIEF LEGAL OFFICER 40.0
Officer
$697,697 $40,818 $738,515
N/A TREASURER & COO (Term end 4/2023) 40.0
Officer
$1,015,937 $18,529 $1,034,466
N/A CHIEF FINANCIAL OFFICER AND TREASURER 40.0
Officer
$505,550 $37,292 $542,842
N/A SR VP, FED GOV RELATIONS, & POL ENG 40.0
Officer
$566,607 $74,462 $641,069
N/A COO 40.0
Officer
$607,592 $80,141 $687,733
N/A SR VP, POLICY, RESEARCH, & INT'L 40.0
Officer
$690,506 $40,821 $731,327
N/A SENIOR VP AND CIO 40.0
Officer
$339,815 $63,998 $403,813
N/A VP & DIRECTOR, TAX POLICY 40.0
Highest
$342,589 $67,472 $410,061
N/A VP, INTERNATIONAL & COUNSEL 40.0
Highest
$304,920 $50,788 $355,708
N/A DEPT VP, PERSONAL LINES 40.0
Highest
$332,864 $65,647 $398,511
N/A VP, FED GOV RELATIONS & POL ENG 40.0
Highest
$360,327 $72,575 $432,902
N/A Department VP, Financial Regulation 40.0
Highest
$319,332 $43,718 $363,050
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 No data No data No data No data
2023 $70,416,266 $71,091,760 $172,600,156 $-675,494
2022 $62,070,761 $59,177,169 $156,977,630 $2,893,592
2021 $59,541,606 $57,342,833 $156,045,230 $2,198,773
2020 $54,552,876 $56,016,201 $148,238,330 $-1,463,325
2019 $58,182,441 $57,983,903 $141,827,048 $198,538
2018 $44,429,021 $43,701,417 $121,983,133 $727,604
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