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Nonprofit · EIN 52-0983562

JOINT INSURANCE ASSOCIATION

Tax-exempt · ELLICOTT CITY, MD 21043

Financials

$802K$1.4M2022$934K$2M2023$1.2M$2.1M2024
Revenue Expenses · by fiscal year end
Financials of JOINT INSURANCE ASSOCIATION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
September 30, 2025990$1,241,345$2,118,277-$876,932$2,554,858$2,210,738$344,120
September 30, 2024990$934,431$1,976,382-$1,041,951$3,055,123$2,071,949$983,174
September 30, 2023990$801,886$1,424,962-$623,076$1,837,151$1,495,958$341,193
Financial details: 990 for the year ended September 30, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$981,416
Investment income
$0
Other revenue
$259,929

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$215,866
Other salaries and wages
$296,403
Salaries, compensation and benefits (total)
$988,497
Professional fundraising fees
$0
Legal fees
$45,502
Occupancy
$57,263
Travel
$35,381
Depreciation
$943

Balance sheet and other

Total assets, start of year
$3,055,123
Total assets, end of year
$2,554,858
Total liabilities, end of year
$2,210,738
Net assets, end of year
$344,120
Gross unrelated business income
$259,929
Gross receipts
$1,241,345
Employees
6
Volunteers
0
Year formed
1968
State of legal domicile
MD

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended September 30, 2025, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
CHRISTOPHER DOOLEYGENERAL MANAGER & SECRETAR
Officer
40$196,438$19,428
KIMBERLY DOMBROSKIACCOUNTING SUPERVISOR
Highest-paid employee
40$98,741$12,204
TODD RUSHGOVERNING COMMITTEE
Trustee or director
1$0$0
GIDEON SAMSONGOVERNING COMMITTEE
Trustee or director
1$0$0
ASHLEE MULLENBACHGOVERNING COMMITTEE
Trustee or director
1$0$0
KAREN MASHINSKIGOVERNING COMMITTEE
Trustee or director
1$0$0
KKARL ECKHARDTGOVERNING COMMITTEE
Trustee or director
1$0$0
GEORGE DIOGUARDOGOVERNING COMMITTEE
Trustee or director
1$0$0
MICHAEL PFARRGOVERNING COMMITTEE
Trustee or director
1$0$0
JAMES MULHOLLANDCHAIRMAN
Trustee or director, Officer
1$0$0
BILL LINGENFELTERVICE CHAIRMAIN
Trustee or director, Officer
1$0$0
990 for the year ended September 30, 2024: 10 people
NameTitleHours / weekCompensationOther / benefits
CHRISTOPHER DOOLEYGENERAL MANAGER & SECRETAR
Officer
40$188,923$18,685
TODD RUSHGOVERNING COMMITTEE
Trustee or director
1$0$0
PATRICK MCDONOUGHGOVERNING COMMITTEE
Trustee or director
1$0$0
FRANK FOLGERGOVERNING COMMITTEE
Trustee or director
1$0$0
KAREN MASHINSKIGOVERNING COMMITTEE
Trustee or director
1$0$0
MICHAEL HERNANDEZGOVERNING COMMITTEE
Trustee or director
1$0$0
GEORGE DIOGUARDOGOVERNING COMMITTEE
Trustee or director
1$0$0
MICHAEL PFARRGOVERNING COMMITTEE
Trustee or director
1$0$0
JAMES MULHOLLANDCHAIRMAN
Trustee or director, Officer
1$0$0
BILL LINGENFELTERVICE CHAIRMAIN
Trustee or director, Officer
1$0$0
990 for the year ended September 30, 2023: 10 people
NameTitleHours / weekCompensationOther / benefits
CHRISTOPHER DOOLEYGENERAL MANAGER & SECRETAR
Officer
40$199,741$17,977
TODD RUSHGOVERNING COMMITTEE
Trustee or director
1$0$0
PATRICK MCDONOUGHGOVERNING COMMITTEE
Trustee or director
1$0$0
FRANK FOLGERGOVERNING COMMITTEE
Trustee or director
1$0$0
STEVEN LINKOUSGOVERNING COMMITTEE
Trustee or director
1$0$0
MICHAEL HERNANDEZGOVERNING COMMITTEE
Trustee or director
1$0$0
GEORGE DIOGUARDOGOVERNING COMMITTEE
Trustee or director
1$0$0
MICHAEL PFARRGOVERNING COMMITTEE
Trustee or director
1$0$0
JAMES MULHOLLANDCHAIRMAN
Trustee or director, Officer
1$0$0
BILL LINGENFELTERVICE CHAIRMAIN
Trustee or director, Officer
1$0$0

Address and contacts

Address (IRS master file)
3290 NORTH RIDGE RD STE 185, ELLICOTT CITY, MD 21043-3923
Principal officer (990 for 2024)
CHRISTOPHER DOOLEY, 3290 N RIDGE ROAD 210, ELLICOTT CITY, MD 21043
Signed the 990
CHRISTOPHER DOOLEY, GENERAL MANAGER
Phone
(410) 539-6808
Return prepared by
BUFFAMANTE WHIPPLE BUTTAFARO PC

Mission

TO PROVIDE CERTAIN PROPERTY AND CASUALTY INSURANCE TO APPLICANTS IN THE STATE OF MARYLAND.

990 for the year ended September 30, 2025

Program accomplishments

  • 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.
    Expenses $2,118,277 · revenue $981,416

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in September, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025September 30, 2026February 15, 2027Not due yet
2024September 30, 2025February 16, 2026990 on file
2023September 30, 2024February 17, 2025990 on file

IRS record

EIN
52-0983562
Tax-exempt status
501(c)(6): Business league or chamber of commerce
Donations deductible
No
Exempt since
1974
Accounting year ends
September
Files
Form 990 or 990-EZ
Assets (IRS master file)
$2,554,858
Income (IRS master file)
$1,241,345

Filing history

FormYear endedRevenueExpensesAssetsReturn
990September 2025$1,241,345$2,118,277$2,554,858XML
990September 2024$934,431$1,976,382$3,055,123XML
990September 2023$801,886$1,424,962$1,837,151XML
990September 2022$770,233$1,546,098$2,641,203IRS
990September 2021–––IRS
990September 2020–––IRS
990September 2019–––IRS
990September 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 52-0983562).

Questions about JOINT INSURANCE ASSOCIATION

What is the EIN of JOINT INSURANCE ASSOCIATION?
The employer identification number (EIN) of JOINT INSURANCE ASSOCIATION is 52-0983562.
Is JOINT INSURANCE ASSOCIATION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 1974.
Are donations to JOINT INSURANCE ASSOCIATION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does JOINT INSURANCE ASSOCIATION file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of JOINT INSURANCE ASSOCIATION due?
The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did JOINT INSURANCE ASSOCIATION last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended September 2025.
Who is the principal officer of JOINT INSURANCE ASSOCIATION?
The 990 for the year ended September 30, 2025 names CHRISTOPHER DOOLEY.
Who are the officers and directors of JOINT INSURANCE ASSOCIATION?
The 990 for the year ended September 30, 2025 lists 11 people; 2 received compensation from the organization, the highest $196,438 (CHRISTOPHER DOOLEY, GENERAL MANAGER & SECRETAR).
How much revenue does JOINT INSURANCE ASSOCIATION have?
On its 990 for the year ended September 30, 2025 it reported revenue of $1,241,345, expenses of $2,118,277 and total assets of $2,554,858 at year end.

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