# Atlas Commons research objects — carrier quality profile for UNIVERSAL NORTH AMERICA INSURANCE COMPANY (NAIC 10759) — context brief

Insurer-quality data for UNIVERSAL NORTH AMERICA INSURANCE COMPANY (NAIC 10759): 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:

- **UNIVERSAL NORTH AMERICA INSURANCE COMPANY had 1 confirmed complaint in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **UNIVERSAL NORTH AMERICA INSURANCE COMPANY had 17,676 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)
- **UNIVERSAL NORTH AMERICA INSURANCE COMPANY had 0.057 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)
- **UNIVERSAL NORTH AMERICA 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/)
- **UNIVERSAL NORTH AMERICA INSURANCE COMPANY wrote $113,966,746 in California direct premiums across ALLIED LINES, FEDERAL FLOOD INSURANCE, FIRE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **UNIVERSAL NORTH AMERICA INSURANCE COMPANY's California direct loss ratio is 30.3%** — 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 UNIVERSAL NORTH AMERICA INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10759)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10759.jsonld` · anatomy of the research object: see /commons/the-research-object

**UNIVERSAL NORTH AMERICA INSURANCE COMPANY (NAIC 10759) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 1 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 17676 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**UNIVERSAL NORTH AMERICA INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Homeowners…
**UNIVERSAL NORTH AMERICA INSURANCE COMPANY — lines written in California (RECORDED)** (6): ALLIED LINES; FEDERAL FLOOD INSURANCE; FIRE…