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  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190.jsonld",
  "@type": "schema:Dataset",
  "name": "Atlas Commons research objects — carrier quality profile for OBI NATIONAL INSURANCE COMPANY (NAIC 14190)",
  "description": "Insurer-quality data for OBI NATIONAL INSURANCE COMPANY (NAIC 14190): 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": "OBI NATIONAL INSURANCE COMPANY",
    "identifier": "14190"
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  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190/confirmed-complaints-latest",
      "@type": "schema:Claim",
      "name": "OBI NATIONAL INSURANCE COMPANY had 0 confirmed complaints in 2025",
      "text": "The TX DOI / NAIC complaint data records 0 confirmed complaints for OBI NATIONAL INSURANCE COMPANY (NAIC 14190) in 2025 across 1 line 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": "0 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 14190. Falsified if the source figure differs from the published record."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190/policies-in-force-latest",
      "@type": "schema:Claim",
      "name": "OBI NATIONAL INSURANCE COMPANY had 298 TX policies in force in 2025",
      "text": "The TX DOI / NAIC data records 298 policies in force for OBI NATIONAL INSURANCE COMPANY (NAIC 14190) 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": "298 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 14190."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190/surety-certified",
      "@type": "schema:Claim",
      "name": "OBI NATIONAL INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 (certified surety companies)",
      "text": "The U.S. Treasury Circular 570 does NOT list OBI NATIONAL INSURANCE COMPANY (NAIC 14190) 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": "No — not on Treasury C570",
        "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 14190. Falsified if the current C570 list contradicts this value."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190/ca-direct-premium",
      "@type": "schema:Claim",
      "name": "OBI NATIONAL INSURANCE COMPANY wrote $15,774,236 in California direct premiums across TOTALS, WORKERS' COMPENSATION lines",
      "text": "Per the California DOI Market Share Report, OBI NATIONAL INSURANCE COMPANY (NAIC 14190) wrote $15,774,236 in California direct premiums across the following lines of insurance: 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": "$15,774,236 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 14190. Falsified if the CA DOI figure differs."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190/ca-loss-ratio",
      "@type": "schema:Claim",
      "name": "OBI NATIONAL INSURANCE COMPANY's California direct loss ratio is 16.0%",
      "text": "The California direct loss ratio for OBI NATIONAL INSURANCE COMPANY (NAIC 14190) is 16.0%. 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
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      "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": "16.0% (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 14190. Falsified if the ratio differs. Note: this is not a CA DOI-published figure."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190/boundary",
      "@type": "schema:Claim",
      "name": "What this carrier quality profile is — and is NOT — for OBI NATIONAL 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
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      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the sources cited above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/14190",
        "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": "OBI NATIONAL INSURANCE COMPANY (NAIC 14190) — every quality indicator (typed)",
      "numberOfItems": 6,
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        {
          "@type": "schema:ListItem",
          "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": 0,
            "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": 298,
            "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": "No",
            "warrant": "RECORDED",
            "source": "U.S. Treasury Circular 570 (certified surety companies)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "indicator": "CA direct premium written (USD)",
            "value": 15774236,
            "warrant": "RECORDED",
            "source": "California DOI Market Share Report"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "indicator": "CA direct loss ratio",
            "value": "16.0%",
            "warrant": "DERIVED",
            "source": "California DOI Market Share Report (Atlas Commons derivation)"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "OBI NATIONAL INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)",
      "numberOfItems": 1,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "line_of_insurance": "Workers' Compensation"
          }
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      ]
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    {
      "@type": "schema:ItemList",
      "name": "OBI NATIONAL INSURANCE COMPANY — lines written in California (RECORDED)",
      "numberOfItems": 2,
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          "position": 1,
          "item": {
            "line_of_insurance": "TOTALS"
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        },
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          "position": 2,
          "item": {
            "line_of_insurance": "WORKERS' COMPENSATION"
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}