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  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030.jsonld",
  "@type": "schema:Dataset",
  "name": "Atlas Commons research objects — carrier quality profile for WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030)",
  "description": "Insurer-quality data for WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030): confirmed complaint counts and complaints-per-1,000-policies rate (TX DOI / NAIC, RECORDED and DERIVED), surety certification status (Treasury C570, RECORDED), California direct premium written (CA DOI, RECORDED) and California direct loss ratio (CA DOI, DERIVED). Epistemic status of each figure is labeled. This surface informs; it does not rank or advise. Verify license at your state DOI before purchasing. CC0.",
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  "about": {
    "@type": "schema:Organization",
    "name": "WESTCHESTER FIRE INSURANCE COMPANY",
    "identifier": "10030"
  },
  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030/confirmed-complaints-latest",
      "@type": "schema:Claim",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY had 1 confirmed complaint in 2025",
      "text": "The TX DOI / NAIC complaint data records 1 confirmed complaint for WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030) in 2025 across 2 lines of insurance. A directly reported count from the named authority.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
        "sourceUrl": "https://www.tdi.texas.gov/consumer/complaintchoice.html",
        "value": "1 confirmed complaints (2025)",
        "adjudicator": {
          "name": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
          "url": "https://www.tdi.texas.gov/consumer/complaintchoice.html"
        }
      },
      "falsifier": "Check the TX DOI / NAIC complaint database directly for NAIC code 10030. Falsified if the source figure differs from the published record."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030/policies-in-force-latest",
      "@type": "schema:Claim",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY had 464 TX policies in force in 2025",
      "text": "The TX DOI / NAIC data records 464 policies in force for WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030) in 2025. This is the denominator used when computing the complaints-per-1,000-policies rate.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
        "sourceUrl": "https://www.tdi.texas.gov/consumer/complaintchoice.html",
        "value": "464 TX policies in force",
        "adjudicator": {
          "name": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
          "url": "https://www.tdi.texas.gov/consumer/complaintchoice.html"
        }
      },
      "falsifier": "Verify the policy-count figure in the TX DOI / NAIC filing for NAIC 10030."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030/surety-certified",
      "@type": "schema:Claim",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY is listed on the U.S. Treasury Circular 570 (certified surety companies)",
      "text": "The U.S. Treasury Circular 570 lists WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030) as a certified company holding a certificate of authority from the Secretary of the Treasury to act as surety on federal bonds. Surety certification is specific to federal bonds; it does not certify the carrier's quality for other lines of insurance.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "U.S. Treasury Circular 570 (certified surety companies)",
        "sourceUrl": "https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/",
        "value": "Yes — Treasury C570 certified",
        "adjudicator": {
          "name": "U.S. Treasury Circular 570 (certified surety companies)",
          "url": "https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/"
        }
      },
      "falsifier": "Verify at https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/: search for NAIC 10030. Falsified if the current C570 list contradicts this value."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030/ca-direct-premium",
      "@type": "schema:Claim",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY wrote $399,757,491 in California direct premiums across AIRCRAFT, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), FIDELITY, OCEAN MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PET INSURANCE PLANS, PRODUCTS LIABILITY OCCURRENCE, SURETY, TOTALS, WORKERS' COMPENSATION lines",
      "text": "Per the California DOI Market Share Report, WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030) wrote $399,757,491 in California direct premiums across the following lines of insurance: AIRCRAFT, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), FIDELITY, OCEAN MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PET INSURANCE PLANS, PRODUCTS LIABILITY OCCURRENCE, SURETY, TOTALS, WORKERS' COMPENSATION. A directly reported figure from the CA DOI filing.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "California DOI Market Share Report",
        "sourceUrl": "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm",
        "value": "$399,757,491 CA direct premiums written",
        "adjudicator": {
          "name": "California DOI Market Share Report",
          "url": "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm"
        }
      },
      "falsifier": "Verify in the CA DOI Market Share Report for NAIC 10030. Falsified if the CA DOI figure differs."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030/ca-loss-ratio",
      "@type": "schema:Claim",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY's California direct loss ratio is 89.7%",
      "text": "The California direct loss ratio for WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030) is 89.7%. Computed as CA direct losses incurred divided by CA direct premiums earned, using figures from the CA DOI Market Share Report. The CA DOI publishes the component figures; Atlas Commons computes this ratio — it is NOT a CA DOI-published statistic. A loss ratio below 100% means the carrier paid out less in claims than it collected; above 100% means it paid more. Neither extreme is good or bad without market and product context.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "California DOI Market Share Report (Atlas Commons derivation)",
        "sourceUrl": "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm",
        "value": "89.7% (direct losses / direct premiums earned)",
        "adjudicator": null
      },
      "falsifier": "Reproduce it: divide CA direct losses incurred by CA direct premiums earned from the CA DOI Market Share Report for NAIC 10030. Falsified if the ratio differs. Note: this is not a CA DOI-published figure."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030/boundary",
      "@type": "schema:Claim",
      "name": "What this carrier quality profile is — and is NOT — for WESTCHESTER FIRE INSURANCE COMPANY (the epistemic boundary)",
      "text": "This profile contains REPORTED complaint figures (TX DOI / NAIC), a DERIVED complaints-per-1,000-policies rate (TX complaints only, material books only), a DERIVED California loss ratio, and CA DOI premium data. It is NOT a ranking, a recommendation, a safety certification, or advice. A higher complaints-per-1,000-policies rate means more TX-filed confirmed complaints per policy — a factual rate, not a verdict. Product mix, policyholder demographics, and reporting differences all affect this figure. Before purchasing, verify the carrier's license at your state Department of Insurance, not here. The Texas DOI (for TX-licensed carriers), CA DOI, and NAIC Consumer Insurance Search are the authoritative verification surfaces.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the sources cited above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10030",
        "value": "complaints-per-1k rate + CA figures + surety cert; NOT a ranking or safety verdict",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a DOI verdict) — the LOWEST-warrant claim here. The complaint counts, rate, and CA figures above are sourced facts; this boundary note is interpretation."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY (NAIC 10030) — every quality indicator (typed)",
      "numberOfItems": 6,
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          "position": 1,
          "item": {
            "indicator": "Complaint data year",
            "value": "2025",
            "warrant": "RECORDED",
            "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
          }
        },
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          "position": 2,
          "item": {
            "indicator": "Confirmed complaints (latest year)",
            "value": 1,
            "warrant": "RECORDED",
            "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
          }
        },
        {
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          "position": 3,
          "item": {
            "indicator": "Policies in force (latest year)",
            "value": 464,
            "warrant": "RECORDED",
            "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "indicator": "Treasury C570 surety certified",
            "value": "Yes",
            "warrant": "RECORDED",
            "source": "U.S. Treasury Circular 570 (certified surety companies)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "indicator": "CA direct premium written (USD)",
            "value": 399757491,
            "warrant": "RECORDED",
            "source": "California DOI Market Share Report"
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        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "indicator": "CA direct loss ratio",
            "value": "89.7%",
            "warrant": "DERIVED",
            "source": "California DOI Market Share Report (Atlas Commons derivation)"
          }
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      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)",
      "numberOfItems": 2,
      "itemListElement": [
        {
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          "position": 1,
          "item": {
            "line_of_insurance": "Automobile"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "line_of_insurance": "Workers' Compensation"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "WESTCHESTER FIRE INSURANCE COMPANY — lines written in California (RECORDED)",
      "numberOfItems": 14,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "line_of_insurance": "AIRCRAFT"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "line_of_insurance": "BOILER & MACHINERY"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "line_of_insurance": "BURGLARY & THEFT"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "line_of_insurance": "COMMERCIAL MULTIPLE PERIL (LIABILITY)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "line_of_insurance": "COMMERCIAL MULTIPLE PERIL (NON-LIABILITY)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "line_of_insurance": "FIDELITY"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "line_of_insurance": "OCEAN MARINE"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "line_of_insurance": "OTHER LIABILITY CLAIMS MADE"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "line_of_insurance": "OTHER LIABILITY OCCURRENCE"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "line_of_insurance": "PET INSURANCE PLANS"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "line_of_insurance": "PRODUCTS LIABILITY OCCURRENCE"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "line_of_insurance": "SURETY"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "line_of_insurance": "TOTALS"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "line_of_insurance": "WORKERS' COMPENSATION"
          }
        }
      ]
    }
  ]
}