2026-03-30T14:43:26-05:00 2025-09-30 161117932 BUFFAMANTE WHIPPLE BUTTAFARO PC 201 WEST THIRD STREET SUITE 300 JAMESTOWN NY 14701 990 2024-10-01 520983562 JOINT INSURANCE ASSOCIATION JOIN 4105396808 3290 N RIDGE ROAD 210 ELLICOTT CITY MD 21043 CHRISTOPHER DOOLEY GENERAL MANAGER 4105396808 2026-03-30 1 1 MICHAEL D STALEY CPA P01334972 7163721620 2024 2025-03-06 01:10:19Z CHRISTOPHER DOOLEY 3290 N RIDGE ROAD 210 ELLICOTT CITY MD 21043 1241345 0 X WWW.MDJIA.ORG X 1968 MD PROVIDING PROPERTY INSURANCE PER MARYLAND STATE LAW. 9 9 6 0 259929 0 0 0 762519 981416 0 0 171912 259929 934431 1241345 0 0 0 0 705875 988497 0 0 0 1270507 1129780 1976382 2118277 -1041951 -876932 3055123 2554858 2071949 2210738 983174 344120 TO PROVIDE CERTAIN PROPERTY AND CASUALTY INSURANCE TO APPLICANTS IN THE STATE OF MARYLAND. 0 0 2118277 981416 THE MARYLAND JOINT INSURANCE ASSOCIATION WAS FORMED IN 1968 TO PROVIDE CERTAIN PROPERTY AND CASUALTY INSURANCE TO APPLICANTS IN THE STATE OF MARYLAND. FOR THE YEAR ENDED 9/30/25, JOINT INSURANCE ASSOCIATION HAD 800 POLICIES IN-FORCE. 2118277 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 9 0 6 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 0 1 1 1 0 X CHRISTOPHER DOOLEY GENERAL MANAGER 4105396808 3290 N RIDGE ROAD SUITE 210 ELLICOTT CITY MD 21043 TODD RUSH GOVERNING COMMITTEE 1.00 X 0 0 0 GIDEON SAMSON GOVERNING COMMITTEE 1.00 X 0 0 0 ASHLEE MULLENBACH GOVERNING COMMITTEE 1.00 X 0 0 0 KAREN MASHINSKI GOVERNING COMMITTEE 1.00 X 0 0 0 KKARL ECKHARDT GOVERNING COMMITTEE 1.00 X 0 0 0 GEORGE DIOGUARDO GOVERNING COMMITTEE 1.00 X 0 0 0 MICHAEL PFARR GOVERNING COMMITTEE 1.00 X 0 0 0 JAMES MULHOLLAND CHAIRMAN 1.00 X X 0 0 0 BILL LINGENFELTER VICE CHAIRMAIN 1.00 X X 0 0 0 CHRISTOPHER DOOLEY GENERAL MANAGER & SECRETAR 40.00 X 196438 0 19428 KIMBERLY DOMBROSKI ACCOUNTING SUPERVISOR 40.00 X 98741 0 12204 295179 0 31632 1 0 1 0 0 PROPERTY INSURANCE PRE 524126 937743 937743 MISCELLANEOUS INCOME 524126 43673 43673 981416 MANAGEMENT FEE INCOME 561000 259929 259929 259929 1241345 981416 259929 0 X 215866 296403 280220 158576 37432 45502 252222 18000 57263 35381 943 796 LOSSES INCURRED 420453 LOSS ADJUSTMENT EXPENSE 181390 SURVEYS & UNDERWRITING 36846 EQUIPMENT 22871 58113 2118277 2975728 2457851 79395 97007 44614 44614 0 0 3055123 2554858 2071949 2210738 2071949 2210738 X 0 0 0 0 983174 344120 983174 344120 3055123 2554858 X -876932 237878 X X 0 1 X 1 0 44614 44614 0 0 LOSSES 376367 LOSS ADJUSTMENT EXPENSES 181396 COMMISSIONS PAYABLE 4918 UNEARNED PREMIUMS 513845 ADVANCE PREMIUMS 40153 ACCRUED POSTRETIREMENT BENEFIT COST 840532 ACCRUED EXPENSES 89878 ACCRUED PENSION BENEFIT COST 163649 2210738 981416 0 981416 259929 259929 1241345 1858348 0 1858348 259929 259929 2118277 PART XI, LINE 4B - OTHER ADJUSTMENTS: MANAGEMENT FEE REVENUE 259,929. PART XII, LINE 4B - OTHER ADJUSTMENTS: REIMBURSED EXPENSES 259,929. X 0 0 0 CHRISTOPHER DOOLEY GENERAL MANAGER & SECRETAR 181669 0 14769 0 0 0 19428 0 0 0 215866 0 0 0 KIMBERLY DOMBROSKI ACCOUNTING SUPERVISOR 98741 0 0 0 0 0 12204 0 0 0 110945 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS CONSISTING OF ALL LICENSED INSURANCE COMPANIES AUTHORIZED TO WRITE PROPERTY INSURANCE IN MARYLAND. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S MEMBERS ELECT ITS GOVERNING COMMITTEE ANNUALLY. FORM 990, PART VI, SECTION A, LINE 7B ANY CHANGES TO THE PLAN OF OPERATIONS MUST BE APPROVED BY THE MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF FORM 990 IS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT IS FILED. IT IS ONLY PROVIDED TO THE CHAIRMAN OF THE GOVERNING COMMITTEE FOR SIGNING. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY BY REQUIRING MEMBERS TO REVIEW AND SIGN THE POLICY ANNUALLY. IF ANY CHANGES OCCUR DURING THE YEAR, THE MEMBER IS REQUIRED TO SUBMIT THE CHANGE TO THE GENERAL MANAGER OR BOARD CHAIRMAN. THE BOARD ADDRESSES ANY CHANGES AS REQUIRED. FORM 990, PART VI, SECTION B, LINE 15 THE EXECUTIVE COMMITTEE REVIEWS SALARY BASED ON COMPARABLE INDUSTRY DATA. FORM 990, PART VI, SECTION C, LINE 19 THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART IX, LINE 11G DATA PROCESSING CONSULTANT FEES 205,924. COMMISSIONS 46,298. FORM 990, PART XI, LINE 9: CHANGE IN NON-ADMITTED ASSETS -2,736. PENSION AND POSTRETIREMENT PLANS FUNDED STATUS ADJUSTMENT 240,614. FORM 990, PART XII, LINE 1: THE MARYLAND INSURANCE ADMINISTRATION RECOGNIZES ONLY STATUTORY ACCOUNTING PRACTICES PRESCRIBED OR PERMITTED BY THE STATE OF MARYLAND FOR DETERMINING AND REPORTING THE FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF THE COMPANY FOR DETERMINING ITS SOLVENCY UNDER THE MARYLAND INSURANCE LAW. FORM 990, PART XII, LINE 2C: AUDIT OVERSIGHT COMMITTEE THE OVERSIGHT PROCESS AND COMMITTEE SELECTION PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR HAS NOT CHANGED DURING THE TAX YEAR.