# Atlas Commons research objects — carrier quality profile for OBI AMERICA INSURANCE COMPANY (NAIC 15645) — context brief

Insurer-quality data for OBI AMERICA INSURANCE COMPANY (NAIC 15645): 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:

- **OBI AMERICA INSURANCE COMPANY had 0 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **OBI AMERICA INSURANCE COMPANY had 6 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)
- **OBI 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/)
- **OBI AMERICA INSURANCE COMPANY wrote $68,902 in California direct premiums across 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)
- **OBI AMERICA INSURANCE COMPANY's California direct loss ratio is -6.0%** — 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 OBI AMERICA INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/15645)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/15645.jsonld` · anatomy of the research object: see /commons/the-research-object

**OBI AMERICA INSURANCE COMPANY (NAIC 15645) — every quality indicator (typed)** (6): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 0 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 6 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**OBI AMERICA INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Workers' Compensation…
**OBI AMERICA INSURANCE COMPANY — lines written in California (RECORDED)** (2): TOTALS; WORKERS' COMPENSATION…