# Atlas Commons research objects — carrier quality profile for Commerce W Ins Co (NAIC 13161) — context brief

Insurer-quality data for Commerce W Ins Co (NAIC 13161): 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:

- **Commerce W Ins Co 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/)
- **Commerce W Ins Co wrote $70,368,730 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)
- **Commerce W Ins Co's California direct loss ratio is 69.4%** — 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 Commerce W Ins Co (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/13161)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/13161.jsonld` · anatomy of the research object: see /commons/the-research-object

**Commerce W Ins Co (NAIC 13161) — every quality indicator (typed)** (4): Complaint data year —  — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Treasury C570 surety certified — No — RECORDED — U.S. Treasury Circular 570 (certified surety companies); CA direct premium written (USD) — 70368730 — RECORDED — California DOI Market Share Report…
**Commerce W Ins Co — lines written in California (RECORDED)** (3): PRIVATE PASSENGER AUTO LIABILITY; PRIVATE PASSENGER AUTO PHYSICAL DAMAGE; TOTALS…