# Atlas Commons research objects — carrier quality profile for BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY (NAIC 10391) — context brief

Insurer-quality data for BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY (NAIC 10391): 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.

Claims (warrant · source), each re-fetchable to verify:

- **BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY had 5 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY had 2,983 TX policies in force in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY had 1.676 confirmed complaints per 1,000 TX policies in 2025** — DERIVED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (Atlas Commons derivation) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 (certified surety companies)** — RECORDED · U.S. Treasury Circular 570 (certified surety companies) (https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/)
- **BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY wrote $438,806,320 in California direct premiums across ALLIED LINES, BOILER & MACHINERY, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRODUCTS LIABILITY OCCURRENCE, TOTALS, WORKERS' COMPENSATION lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY's California direct loss ratio is 62.3%** — DERIVED · California DOI Market Share Report (Atlas Commons derivation) (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **What this carrier quality profile is — and is NOT — for BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10391)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10391.jsonld` · anatomy of the research object: see /commons/the-research-object

**BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY (NAIC 10391) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 5 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 2983 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Workers' Compensation…
**BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY — lines written in California (RECORDED)** (15): ALLIED LINES; BOILER & MACHINERY; COMMERCIAL AUTO LIABILITY…