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Vermont Property And Casualty Insurance Guaranty Association

  • Boston, MA
  • Tax-exempt since Nov. 1975
  • EIN: 51-0172249

Organization summary

Type of Nonprofit

Designated as a Business leagues, chambers of commerce, real estate boards, etc, created for the improvement of business conditions.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$315k (2023)

Expenses
$619k (2023)

Total Assets
$30.7M (2023)

Total Liabilities
$0 (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$314,630
Expenses
$619,252
Net Income
-$304,622
Net Assets
$30,653,437
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $96,360
30.6%
Investment Income $778,348
> 100%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$560,078
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $30,653,437
Total Liabilities $0
Net Assets $30,653,437
Compensation
Key Employees and Officers Compensation Related Other
William J Cahill Chair (Representing Vermont Mutual Insurance Co) $0 $0 $0
Jennifer A Morrison Vice Chair (Representing Amica Mutual Insurance Co) $0 $0 $0
Haris Berenson Board Member (Representing The Hanover Insurance Company) $0 $0 $0
Lee Dowgiewicz Board Member (Representing Co Operative Insurance Companies) $0 $0 $0
Samantha Freedman Board Member (Representing Government Employees Ins. Co.) $0 $0 $0
Sarah Jarvis Board Member (Representing Union Mutual Fire Insurance Co) $0 $0 $0
Dave Mc Pherson Board Member (Representing Mmg Insurance Company) $0 $0 $0
Michael P Nolin Jr Board Member (Representing Concord General Mutual Ins Co) $0 $0 $0
Joseph Torti Board Member (Representing United States Fire Insurance Co) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$130,480
Expenses
$656,906
Net Income
-$526,426
Net Assets
$30,958,059
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $117,570
90.1%
Investment Income $348,311
> 100%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$335,401
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $30,958,059
Total Liabilities $0
Net Assets $30,958,059
Compensation
Key Employees and Officers Compensation Related Other
William J Cahill Chair (Representing Vermont Mutual Insurance Co) $0 $0 $0
Jennifer A Morrison Vice Chair (Representing Amica Mutual Insurance Co) $0 $0 $0
Lee Dowgiewicz Board Member (Representing Co Operative Insurance Companies) $0 $0 $0
Larry Hinton Board Member (Representing Government Employees Ins. Co.) $0 $0 $0
Sarah Jarvis Board Member (Representing Union Mutual Fire Insurance Co) $0 $0 $0
Dave Mc Pherson Board Member (Representing Mmg Insurance Company) $0 $0 $0
Joyce Hall Mellinger Board Member (Representing Zurich American Insurance Co) $0 $0 $0
Michael P Nolin Jr Board Member (Representing Concord General Mutual Ins Co) $0 $0 $0
Joseph Torti Board Member (Representing United States Fire Insurance Co) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,173,822
Expenses
$626,207
Net Income
$547,615
Net Assets
$31,484,485
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $821,266
70.0%
Investment Income $294,341
25.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $58,215
5.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $31,484,485
Total Liabilities $0
Net Assets $31,484,485
Compensation
Key Employees and Officers Compensation Related Other
William J Cahill Chair (Representing Vermont Mutual Insurance Co) $0 $0 $0
Jennifer A Morrison Vice Chair (Representing Amica Mutual Insurance Co) $0 $0 $0
Lee Dowgiewicz Board Member (Representing Co Operative Insurance Companies) $0 $0 $0
Larry Hinton Board Member (Representing Government Employees Ins. Co.) $0 $0 $0
Lisa L Keysar Board Member (Representing Union Mutual Fire Insurance Co) $0 $0 $0
Dave Mc Pherson Board Member (Representing Mmg Insurance Company) $0 $0 $0
Joyce Hall Mellinger Board Member (Representing Zurich American Insurance Co) $0 $0 $0
Michael P Nolin Jr Board Member (Representing Concord General Mutual Ins Co) $0 $0 $0
Joseph Torti Board Member (Representing United States Fire Insurance Co) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 16, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,288,251
Expenses
$1,141,140
Net Income
$147,111
Net Assets
$30,936,870
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $85,477
6.6%
Investment Income $596,480
46.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $606,294
47.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $30,936,870
Total Liabilities $0
Net Assets $30,936,870
Compensation
Key Employees and Officers Compensation Related Other
William J Cahill Chair (Representing Vermont Mutual Insurance Co) $0 $0 $0
Jennifer A Morrison Vice Chair (Representing Amica Mutual Insurance Co) $0 $0 $0
Lee Dowgiewicz Board Member (Representing Co Operative Insurance Companies) $0 $0 $0
Larry Hinton Board Member (Representing Government Employees Ins. Co.) $0 $0 $0
Lisa L Keysar Board Member (Representing Union Mutual Fire Insurance Co) $0 $0 $0
Joyce Hall Mellinger Board Member (Representing Zurich American Insurance Co) $0 $0 $0
Michael P Nolin Jr Board Member (Representing Concord General Mutual Ins Co) $0 $0 $0
Joseph Torti Board Member (Representing United States Fire Insurance Co) $0 $0 $0
Timothy Vernon Board Member (Representing Mmg Insurance Company) $0 $0 $0
+ View more people

Document Links

990
Filed on Dec. 1, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,882,123
Expenses
$874,243
Net Income
$3,007,880
Net Assets
$30,789,759
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,991,037
77.0%
Investment Income $626,246
16.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $264,840
6.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $30,789,759
Total Liabilities $0
Net Assets $30,789,759

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,999,024
Expenses
$1,398,184
Net Income
$1,600,840
Net Assets
$27,781,879
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,639,936
88.0%
Investment Income $561,008
18.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$201,920
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $27,781,879
Total Liabilities $0
Net Assets $27,781,879

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,601,090
Expenses
$1,240,993
Net Income
$1,360,097
Net Assets
$26,181,039
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,309,119
88.8%
Investment Income $313,202
12.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$21,231
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $26,181,039
Total Liabilities $0
Net Assets $26,181,039

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$635,038
Expenses
$1,200,145
Net Income
-$565,107
Net Assets
$24,820,942
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $400,299
63.0%
Investment Income $244,998
38.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$10,259
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $24,820,942
Total Liabilities $0
Net Assets $24,820,942

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,674,885
Expenses
$1,837,411
Net Income
$837,474
Net Assets
$25,386,050
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,467,770
92.3%
Investment Income $209,007
7.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$1,892
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $25,386,050
Total Liabilities $0
Net Assets $25,386,050

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,732,721
Expenses
$2,134,960
Net Income
-$402,239
Net Assets
$24,548,846
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,553,710
89.7%
Investment Income $244,593
14.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$65,682
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $24,548,846
Total Liabilities $0
Net Assets $24,548,846

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,618,906
Expenses
$2,058,672
Net Income
$560,234
Net Assets
$24,951,085
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,370,579
90.5%
Investment Income $362,117
13.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$113,790
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $24,951,085
Total Liabilities $0
Net Assets $24,951,085

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,967,542
Expenses
$1,213,538
Net Income
$754,004
Net Assets
$24,390,852
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,426,652
72.5%
Investment Income $493,460
25.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $47,430
2.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $24,390,852
Total Liabilities $0
Net Assets $24,390,852

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,014,973
Expenses
$5,493,136
Net Income
-$2,478,163
Net Assets
$23,636,848
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,514,528
83.4%
Investment Income $473,919
15.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $26,526
0.9%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $23,636,848
Total Liabilities $0
Net Assets $23,636,848

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated