two pools, one mission - nonprofits' united€¦ · nonprofit insurance world. they are...
TRANSCRIPT
2018 a n n u a l r e p o r t
two Insurance pools, one MIssIon
Message froM ceo
NonProfits’ United Vehicle Insurance Pool celebrated a thirty year anniversary in 2018. The pool was started by Bill Durant, Executive Director of Paratransit, Inc. in Sacramento, California in 1988. He did so because neither he, nor other not for profit entities, could buy Commercial Automobile at any cost. Since that time the pool has grown and the year 2018 ended with over 2000 vehicles and a premium exceeding $5,000,000 annually. We celebrated that anniversary in southern California and both Bill Durant and another founder, Peter Steinert, were there to give the history to all that attended.
The Commercial Automobile business in California has become less competitive. A number of not for profit writers such as NIAC and Philadelphia Insurance companies have either restricted writing in the class of business or increased their pricing. We see this as a real opportunity to grow the pool, but diligent in the new members who will be joining. Our emphasis is to add quality members, not quantity.
The Workers’ Compensation business remains to be extremely competitive. As I stated in last year’s Annual Report, insurance companies, unlike commercial automobile, are making money in this class of business. They are doing so because the frequency and severity of claims has decreased. Senate Bill 863 has done what it was intended to do legislatively. In the near future, we do not see any relief in pricing for workers’ compensation coverage in California. The 2019 actuarial report depicted a rate decrease of fifteen percent (15%) which NPU passed on to the membership. We have followed the results of the industry, and the enactment of the Nurse Triage program along with the stability of York’s claims staff has led to our results.
NPU increased the equity in the Workers’ Compensation Group in 2018 to $29,000,000 again reflecting the reduction of frequency and severity of claims.
The continuation of the success of both programs would not be possible without its members. The retention rate is up in both programs in excess of 96%, and we owe this to our brokers/agents and many members who have been loyal to our programs. They realize that our understanding of loss control and claims handing insures the stability and positive health of the programs. Our partners, York Risk Services, Bickmore Risk, and Kaiser On-the-Job have led to these results.
Our Board of Directors and Trustees continue to be instrumental in making both programs viable. NPU’s staff is incredible. Collectively they have been with the organization for an average of at least seven years. They continue to be committed in working alongside our partners to help each of the not for profit agencies in our pool. Thank you to both very much
Sincerely,
Jeffrey R. Einhorn Chief Executive Officer
N
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n Prevent Accidents/Injuries
n Control Losses
n Stabilize Insurance Costs
MIssIon stateMent
We provide quality and cost-effective pooled risk coverage for private, nonprofit organizations.
We provide services that are responsive to our member’s needs and contribute to the professionalism of nonprofit organizations.
We help our members control risk, minimize loss and save precious resources for their programs and services.
our storyAs we have mentioned in past ANNUAL REPORTS, Nonprofits’ United is the oldest self-insurance pool for not for profit organizations in California. We celebrated thirty years in 2018 providing vehicle insurance coverage to our long-standing membership. Bill Durant, who was the Executive Director of Paratransit, and Peter Steinert who was with Cal Trans were instrumental in forming the pool in 1988. At the NPU Annual Meeting held in September, 2018, both gentlemen spoke on the history of the pool and how it has benefited nonprofit agencies throughout California.
1988 was a pivotal time of crisis for the Commercial Automobile Insurance market. There were no carriers willing to provide coverage for Paratransit risk at any price. Bill Durant and Peter Steinert were instrumental in researching their idea of forming a self-insured pool for nonprofit agencies providing transportation for individuals with mobility challenges. CALACT, a Trade Organization for transit, partnered with Bill and Peter in the endeavor. This entity was formed and called Paratransit Insurance Corporation with 73 members. Along the way, the name eventually changed to NonProfits’ United and three decades later the pool is still viable to not for profit agencies. Our pool writes commercial automobile for over 180 separate agencies with fleets ranging from one to one hundred and fifty.
Today, our goal remains unchanged: to help our member-owners devote resources to direct services in their communities, not to insurance premiums, litigation and settlement.
Happy Thirtieth Birthday to the Vehicle Insurance Pool.
partners In profIle Arthur J. GAllAGher – An industry leader with global reach, AJG serves as our broker. AJG places excess insurance above our self-insured pools and specializes in responsive risk management. The firm has been honored as one of the world’s most ethical companies.
Oliver WymAn – Founded in 1984 to support creativity and entrepreneurial enterprise through financial services with a commitment to solutions, Oliver Wyman works as actuary for our vehicle and workers’ compensation pools.
Jill enGlAnd – Providing specialized legal assistance to nonprofit organizations and small businesses for more than 20 years, Ms. England serves as our legal counsel. The Sacramento-based attorney graduated from King Hall at UC Davis School of Law.
Wells FArGO BAnk – Widely recognized namebacked by stability and trust. As our banking and investment partner, Wells Fargo provides acomprehensive array of wealth managementservices that are designed to help NPU meet itsorganizational goal and investment policies. The leadership and staff at Wells Fargo is a group of committed professionals who are stellar in their support of NPU, the NPU Board of Directors and Trustees and its members.
yOrk risk services – A national leader in claims management, York provides an essential service to NonProfits’ United. The firm takes care of injured workers and maintains lines of communication among our member-owners, employees, doctors and attorneys. York expertly manages claims for both our pools.
York Risk Consultants include nationally recognized experts in insurance consulting and risk management. The consultants provide a wide range of safety and loss control for NPU members.
JAmes mArtA & cOmpAny, certiFied puBlic AccOuntAnts – Their extensive background and commitment to the industry allows them to bring NPU an audit that goes beyond the minimum requirements. They take the time to understand our needs and provide the special attention necessary to meet those needs.
BickmOre – Successfully serving clients for over 30 years providing Risk Management Consulting. The consultants on their service team include nationallyrecognized experts in insurance consulting and risk management.
Two Pools, One Mission
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1988
two pools
Vehicle insurance
Our Vehicle Insurance Pool is the first of its kind – a self-insurance pool for California nonprofits. We provide stable vehicle insurance rates and risk management strategies designed for the unique needs of nonprofits.
In active partnership with our 165 member-owners, we manage risks together – and we minimize premiums and losses.
Workers’ compensation Unprecedented in California, our Workers’ Compensation Pool is a self-insurance partnership for nonprofits.
This unique alliance allows our member-owners to prevent injuries, quickly settle claims and return workers to the job with minimum losses – benefitting employees and employers.
rIsk ManageMent servIces
We meet with members to personally evaluate risk exposure. From that baseline, we build strategies to improve safety and efficiency.
Our team of evaluators and certified instructors assess every need for our member-owners – from Web-based training to a “Virtual Driver” interactive driving simulator.
The team produces workshops and training semi-nars. We monitor industry trends in safety and risk control. And we have a lending library filled with training materials.
As your needs evolve, our Risk Management Services expand to cover all spectrums for our member-owners.
why 501(c)(3) Insurance Matters The words “united we stand” are not a cliché in the nonprofit insurance world. They are reality – the difference between success and failure.
Failure was an unfortunate reality for many nonprofits when we were founded in 1988.
Our colleagues were being driven from service by high insurance premiums, litigation, settlements and inadequate risk management protocols.
A new path was needed. Working in the specialized transit sector, our founders created a cooperative system of self-insurance for nonprofits. The cooperative strategy allowed our member-owners to control their own destinies with insurance and risk management. Dozens of organizations joined and were able to stay in business – providing essential services to Californians.
Today, our two pools – Vehicle Insurance and Workers’ Compensation – provide our member-owners with the strength of numbers.
United in purpose, our pooled resources provide stable rates and risk management to prevent injuries, quickly settle claims and avoid litigation.
At NonProfits’ United, none of our member-owners stands alone. “United we stand” is not a cliché for us. It’s why we exist.
“ It takes a community working together to provide services for individuals with mental health conditions,
especially those experiencing long-term homelessness. NPU’s quick responsiveness inspires confidence
in our partnership.” ApryllThomAs,V.p.ofhumAnresources
Step Up on Second Street
Insurance for nonprofIts
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vehIcle Insurance pool Board of dIrectors
PRESIDENT
Mark Shaffer UCP of San Luis Obispo/ Ride-on Transportation
VICE PRESIDENT
Tom Roberts Paratransit, Inc.
TREASURER
Marshall Bohannon Chrysalis Enterprises
SECRETARY
Kitty Wilson
Dan Palumbo Age Well Senior Services
Steve Ramsey PSW
Jim Atkinson Atkinson Youth Services
Maryanne Hayashi Central City Action Committee
Gloria Reyes Abrazar, Inc.
Grace Malson Community Transportation Agency
Chris Tokarski Whistlestop
workers’ coMpensatIon group Board of trustees
CHAIRPERSON
Laynee Kuhn Paradise Oaks Youth Services
VICE CHAIRPERSON
Steve Ramsey PSW
TREASURER
Marshall Bohannon Chrysalis Enterprises
SECRETARY
Mark Shaffer UCP of San Luis Obispo/ Ride-on Transportation
Dan Palumbo Age Well Senior Services
Mitch Gariador Pomona Valley Workshop
Maryanne Hayashi Central City Action Committee
Gloria Reyes Abrazar, Inc.
Tom Roberts Paratransit, Inc.
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The fIrst of Its kInd in California, our Vehicle Insurance Pool brings stable rates and risk management services
to a volatile industry.
We were born during a crisis of unpredictable insurance rates in the 1980s. We have gained strength and protected our member-owners ever since.
Today, our cooperative program has more than 194 members and $2.9 million in net assets.
We help nonprofits reduce premiums and loss-related expenses, which allows our member-owners to focus greater resources directly on their missions.
Membership applications are open to any California 501(c)(3) that owns or leases at least one vehicle.
Range of Coverage:
n Vehicle Liability up to $10 million
nPhysical Damage
nUninsured & Underinsured Motorist
nRental Reimbursement
Plus:
nPremium Financing
nFlexible Liability Deductibles
nExpert Claims Settlement
nDriver Training Programs
Aging 13%
Animal 1%
DisabilityServices
12%
Family/CommunityServices
12%
Economic Opportunity 2%
Food & Nutrition 3%
Health Services 8%
Housing 5%
Youth 16%
Recovery 2%
Recreation 4%
Religious 5%
Theater/Arts 2%
Transit/Paratransit
6%
Environment 9%
vehIcle Insurance pool delIveraBles
MeMBershIp coMposItIon
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Optional Excess Coveragelimits reinsured throughGreat American Insurance Company
$500,001–$5,000,000Reinsured through Great American Insurance Company and Markel Global Reinsurance Company
NPU-VIP self-insures the 1st $500,000 of every claim
$10,000,000
$5,000,000
$500,000
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vehIcle Insurance pool coverage & lIMIts
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vehIcle Insurance pool
2018 fInancIal profIle
stateMent of net assets 2017 2018Assets $ 9,418,777 10,001,640Liabilities $ 5,980,155 7,011,888Net Assets $ 3,438,622 2,989,752
stateMent of revenue & expenses & changes In net assets
Revenue $ 5,599,355 6,092,149Expenses $ 5,791,161 6,541,019Surplus (Deficit) $ < 191,806 > < 448,870 >
Audited Financial Statements are available on the NPU website Member’s Area(www.nonprofitsunited.com)
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899 Charleston dba: Moldaw Family Residences @ 899 CharlestonAaron’s Boys HomeAbrazar, Inc.Acro-Sport Gymnastics & Sports Acrobatics CenterAge Well Senior Services, Inc.Alameda County Deputy Sheriffs’ Activities LeagueAlliance of AbilitiesAnderson Valley Senior Citizens’ Center, Inc.Animal Rescue Media & EducationARC TaftAsian Community Center of Sacramento Valley, Inc.Atkinson Youth ServicesAtwater Police Activities LeagueBabe Ruth League of Pasadena, dba Arroyo Seco BaseballBakersfield Police Activites LeagueBayview Hunter’s Point FoundationBenicia Community Action CouncilBergin University of Canine StudiesBlissful Living Group Home, Inc.Bonnie Baker Senior Citizens ClubBridge Builders Foundation, Inc.California Police Activities LeagueCare Connexxus, Inc.Carnales Unidos Reformando Adictos, Inc.Cayucos Senior Citizens ClubCentral City Action CommitteeCentral City Community Health Center, Inc.Centro Latino de San FranciscoChild & Family CenterChristmas Cheer, Inc.Clear Lake Gleaners, Inc.Clinica Msr Oscar A. RomeroCoastal Seniors, Inc.Community Joint Venture, Inc.Community Transportation Agency, Inc.Community Works West, Inc.Congregation of Rogationist FathersCornerstone Evangelical Baptist Church in San Francisco, Inc.Creative Minds ADP, Inc.Creative Solutions for Kids and Families, Inc.Delhaven Community CenterDevelopmental Disabilities Service Organization, Inc.Door to Door, Inc. dba: Door to Door TransportationEaster Seal Society of Superior CaliforniaEcumenical Council of the Pasadena Area Congregation, dba: Friends in DeedElk Grove Adult Community TrainingEskaton Properties, Inc.Evelyn S. Cox Child Development CenterFamily Health & Support NetworkFather’s Heart RanchFeather River Tribal Health, Inc.Firefighters Burn InstituteFoothill AIDS ProjectForgotten Felines of Sonoma CountyFoundation for His MinistryFraternity House, Inc.Free To Be Program, Inc.Friends of China Camp, Inc.Friends of Folsom Powerhouse AssociationGolden Rays Senior Citizens of Sierra County, Inc.Habitat for Humanity Inland ValleyHabitat for Humanity of Greater Los Angeles, Inc.
Habitat for Humanity of Orange CountyHabitat for Humanity of Ventura CountyHabitat for Humanity RiversideHabitat for Humanity San Bernardino Area, Inc.Hav A SoleHeaven on Earth MinistriesHebrew Home for Aged DisabledHelp of Carpinteria, Inc.Help the ChildrenHelping Hands Caring Hearts Ministry, Inc.His Ideas, Inc. DBA: Children First FFAHoffmann Hospice of the Valley, Inc.Hollywood Beautification TeamHumboldt Community Access & Resource CenterIncorporated Senior Citizens of Sierra CountyIndian Senior Center, Inc.Integrated Employment and Community EnterprisesISOTJ-Sei, Inc.Jessie Hopkins Hinchee FoundationKare Youth LeagueKhalsa Peace CorpsKimochi, Inc.Klamath-Trinity Non-Emergency TransportationL.A. Works, Inc.La Luz Bilingual CenterLandpathLe-Na’ ResidentialLift Up Your Head Therapeautic Group Home, Inc.Lincoln Training CenterLos Angeles LGBT CenterLos Cerritos Wetlands Stewardship, Inc.Marin Senior Coordinating Council dba: WhistlestopMary’s Help, Inc.Meals on Wheels of Solano County, Inc.Memorial Health ServicesMethodist Hospital of Southern California and its SubsidiariesMichael’s House, Inc.Military Family Support GroupMountain Valley Child and Family Services, Inc.Newton Community Youth Activities LeagueNorthern California Lions Sight AssociationOccidental Arts and Ecology CenterOrange County Opera, Inc.Pacific Educational Facilities, Inc., dba: Ramona Senior CenterPacific Environmental Education CenterParadise Oaks Youth Services, Inc.Paratransit, Inc.Penn Valley Hi Graders LionsPioneer Senior Citizens of ButtonwillowPlanned Parenthood-Orange & San Bernardino CountiesPlumas Rural ServicesPoint San Luis Lighthouse KeepersPoint San Luis Lighthouse KeepersPomona Valley Habitat for Humanity, Inc.Pomona Valley Hospital Medical CenterPregnancy Care CenterPresident John Adams Manor IIIPrevencion Y RescatePRIDE IndustriesPrison Ministry of AmericaProject Fighting ChancePSWRedwood Coast SeniorsRedwood Police Activities League, Inc.Resource for Education Advocacy Communication and Housing (REACH)
Resources for Independent Living, Inc.Roderick-Hayfork Senior Nutrition CenterRoseville Police Activities League, Inc.Sacramento Fire Community Emergency Response TeamSacramento Habitat for Humanity, Inc.Salinas Police Activites LeagueSan Diego Habitat for HumanitySan Francisco Mime TroupeSanta Barbara ForestersSenior Gleaners of San Diego CountySenior Shuttle, Inc.Sharp HealthcareShasta Community Health Center, Inc.Sheriff’s Community Impact ProgramShores of HopeSierra View HomesSingle Room Occupancy Housing Corp.Solano-Napa Habitat for Humanity, Inc.Sonrise Harbor, dba: Housing of BlessingsSpecial Olympics Northern California, Inc.Stellar ExcursionsStep Up on Second Street, Inc.Stray Cat AllianceTemplo La Luz, An Assemblies of God ChurchTerasaki Family FoundationThe Bay Area Urban Network, Inc.The Bishops SchoolThe Chrysalis CenterThe Latino Equity Advocacy & Policy Institute/ The LEAP InstituteThe Volunteer Center of Sonoma CountyTobinworldToday’s Youth MatterTree AcademyTrinity Church San FranciscoTrona Community Senior Center Operations, Inc.Ukiah Senior CenterUnited American Indian Involvement, Inc.United Cerebral Palsy of Central CaliforniaUnited Cerebral Palsy of Greater Sacramento, Inc.United Teachers Los AngelesUpland Community Housing, Inc.Vallejo Community Organizations Recycling, Inc. (VALCORE)Vallejo Police Activities LeagueValley Achievement CenterValley of the Moon Natural History AssociationValley Orthopaedic ClinicValley Teen RanchValley Village, Inc.Victor Valley Community Services CouncilVictor Valley Family Resource CenterVictory Outreach - East Los Angeles (Spanish)Villa Center, Inc.Vocational Improvement ProgramWahupa Educational Enterprises, Inc.WaymakersWest County Community ServicesWestside Food BankWhittier Area First Day CoalitionWillie Young Home for Young MenWillits Community ServicesWillits Seniors, Inc.Wilmington Jaycees Foundation, Inc.Woodland Youth ServicesWork & Services Coalition, DBA: WSCYouth Tennis AdvantageYu-Ai Kai
vehIcle Insurance pool MeMBershIp
Aging 6%
Habitat for Humanity
6%
Disability Services 22%
Family/Community Services 12%
Economic Opportunity
7%
Health Services 1%
Housing 2%Animal 1%
Youth-Residential Homes
20%
Youth 12%
Recovery 4%
Theater/Arts 1%
Transit/Paratransit 4%Environment 2%
workers’ coMpensatIon group delIveraBles
Our Workers’ Compensation Group is the first of its kind for California nonprofits – a self-insurance group
for the health and human services community.
Founded in 2004, the Group is evaluated twice annually through actuarial analysis to certify the pool is at the central estimate/ undiscounted expected level – confirming the Group’s presence within regulations mandated by the Department of Industrial Relations, Office of Self-Insurance Plans.
Membership applications are open to any California 501(c)(3) with a primary function of providing social services (NAICS code 624***) or paratransit services (NAICS code 458***).
Broad Coverage for nonprofits:
n First dollar coverage to statutory
n $2 million Employers’ Liability
n Employees and Volunteers
n Expert Claims Settlement
n Free Nurse Triage program
n Extensive Medical Provider Network including Kaiser On-the-Job
Loss Control Services:
n Video Lending Library
n On-site Safety Assessment
n Seminars and Workshops
MeMBershIp coMposItIon
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Statutory (unlimited) coverage from Safety National above NPU’s retention
NPU-WCG self-insuresthe 1st $500,000 of every claim
Statutory
$500,000
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workers’ coMpensatIon group 2018 fInancIal profIle
stateMent of net assets 2017 2018 Assets $ 70,921,546 75,967,931Liabilities $ 47,090,025 46,989,181Net Assets $ 23,831,721 28,978,750
stateMent of revenue & expenses & changes In net assets
Revenue $ 27,912,578 22,751,244Expenses $ 19,378,633 17,604,015Surplus (Deficit) $ 8,533,945 5,147,229
Audited Financial Statements are available on the NPU website Member’s Area(www.nonprofitsunited.com)
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A Community of FriendsAaron’s Boys HomeAbrazar, Inc.Acacia Adult Day ServicesAffordable Senior Housing FoundationAge Well Senior Services, Inc.Aldea, Inc.American Family HousingAnthesis Services, A Nonprofit CorporationAscencia / S.H. Ho Hope and Compassion CenterAtkinson Academy, IncorporatedAtkinson Youth ServicesBakersfield ARC, Inc.Bergin University of Canine StudiesBethany ServicesBethlehem Lutheran ChurchBoys & Girls Clubs of Capistrano ValleyBoys and Girls Club of Placer CountyBoys and Girls Club of Whittier, Inc.Boys RepublicBrush Creek Family Services, Inc.California Family Life CenterCalifornia State Parks FoundationCalifornia Vocations, Inc. Care-A-Van Transit Systems, Inc.Carnales Unidos Reformando Adictos, Inc.Casa Pacifica Centers for Children and FamiliesCentral City Action CommitteeCentro Latino de San Francisco, Inc.Chamberlain’s Children Center, Inc.Charis Youth CenterCHARLEE Family Care, Inc.Children’s Receiving Home of Sacramento, Inc.CivicorpsCoastal Developmental Services FoundationCommunity Action Agency of Butte Co., Inc.Community Recovery ResourcesCommunity Transportation Agency IncorporatedConservation Corps North BayCore Conditions, Inc | DN AssociatesCreative SupportDelano Association for the Developmentally Disabled, Inc.Desert AIDS ProjectDevelopmental Disabilities Service Organization, Inc.Diverse JourneysDowntown Women’s CenterEaster Seal Society of Superior CaliforniaEnvironmental AlternativesEttie Lee Homes, IncExplore Freedom Services, IncFather’s Heart - A Ranch for Children, Inc.Forgotten Felines of Sonoma CountyFoundation for His MinistryFresno Rescue MissionFriendship Adult Day Care Center, Inc.Gateway Residential ProgramsGolden Rays Senior Citizens of Sierra County, Inc.
Golden State Family Services, Inc.Habitat for Humanity Inland Valley, IncHabitat for Humanity Monterey BayHabitat for Humanity of Greater Los AngelesHabitat for Humanity of Greater Sacramento, IncHabitat for Humanity of Orange County, Inc.Habitat for Humanity of Tulare/Kings Counties, Inc.Habitat for Humanity of Ventura County, IncHabitat for Humanity Riverside, Inc.Habitat for Humanity San Bernardino Area, Inc.Handicrafters, Inc.HillsidesHuman Response NetworkIncorporated Senior Citizens of Sierra CountyIndividuals, NowInland Empire Residential CentersIntegrated Employment & Community EnterprisesJewish Community Center of Orange CountyKimochi, Inc.KYJO EnterprisesLincoln Training Center and Rehabilitation WorkshopLos Angeles Centers for Alcohol and Drug AbuseLos Angeles Youth NetworkMid-Cities Association, IncMidnight MissionMoses House MinistriesMountain Valley Child and Family Services, IncNew Beginnings Residential Treatment FacilityNew Life Community Services, Inc.Norcal Premier SoccerOak Grove Institute Foundation, Inc.OakendellOccidental Arts and Ecology CenterOceanside Ivey Ranch Park AssociationOpen Line Group Homes, Inc.Orange County Conservation Corps.Paradise Oaks Youth ServicesParatransit, IncorporatedPartnerships With IndustryPeacock Acres, IncPenny Lane Centers | Abbey Road, Inc. | Come Together Property ManagmeentPlumas Rural ServicesPorterville Sheltered Workshop (PSW)Promising Futures, Inc.Quality Education Services and TrainingREACH (Resource for Education, Advocacy, Communication and Housing)Redwood Community Services, Inc.Riverside Recovery ResourcesS.M.O.O.T.H.Safe RefugeSan Diego Habitat for Humanity, IncSan Francisco Mime Troupe, IncSan Gabriel / Pomona Valleys Developmental Services, Inc.San Gabriel Valley Conservation and Service Corps.San Gabriel Valley Training Center and Work Shop for the Handicapped
Santa Barbara Community Housing Corp.Shascade Community Services, Inc.Sheltering Wings Corp.Shores of HopeSingle Room Occupancy Housing CorporationSiskiyou Opportunity CenterSolano-Napa Habitat for Humanity, IncSonoma Ecology CenterSt. Andrew’s Residential Programs for YouthStarshine Treatment CenterStep Up on Second Street, Inc.T.E.R.I., Inc.Tahoe Turning PointThe California Parenting InstituteThe Campbell CenterThe Children’s Collective, Inc.The Chrysalis CenterThe Petaluma People Services CenterThe Skid Row Development CorporationThe Young Women’s Christian Association of Sonoma County, CaliforniaThe YWCA of Glendale, CaliforniaThessalonika Family ServicesTLC Child & Family ServicesToday’s Youth MatterTransitions - Mental Health AssociationUnited Cerebral Palsy Association of San Luis Obispo CountyUrban Corps of San Diego CountyVallejo Community Organizations Recycling, Inc.Valley Resource Center for the Retarded, IncValley Teen RanchValley VillageValley Women’s Club Association of San Lorenzo Valley, IncorporatedVia Care Community Health Center, IncVisalia Rescue MissionVocational Improvement Program, IncWatch Resources, Inc.West County Community ServicesWillits Seniors, IncWilmington Jaycees Foundation, IncWork Training Center For the Handicapped, Inc.Yolo Employment ServicesYouth for ChangeYu-Ai Kai/Japanese American Community Senior Service of San JoseYWCA of San Gabriel Valley
workers’ coMpensatIon group MeMBershIp
