# Atlas Commons research objects — carrier quality profile for ROOT INSURANCE COMPANY (NAIC 10974) — context brief

Insurer-quality data for ROOT INSURANCE COMPANY (NAIC 10974): 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:

- **ROOT 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)
- **ROOT INSURANCE COMPANY had 1,855 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)
- **ROOT INSURANCE COMPANY had 0.539 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)
- **ROOT 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/)
- **ROOT INSURANCE COMPANY wrote $211,144,742 in California direct premiums across PRIVATE PASSENGER AUTO LIABILITY, PRIVATE PASSENGER AUTO PHYSICAL DAMAGE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **ROOT INSURANCE COMPANY's California direct loss ratio is 68.7%** — 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 ROOT INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10974)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/10974.jsonld` · anatomy of the research object: see /commons/the-research-object

**ROOT INSURANCE COMPANY (NAIC 10974) — 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) — 1855 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**ROOT INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Automobile…
**ROOT INSURANCE COMPANY — lines written in California (RECORDED)** (3): PRIVATE PASSENGER AUTO LIABILITY; PRIVATE PASSENGER AUTO PHYSICAL DAMAGE; TOTALS…