Insurer quality profile · NAIC 16116
JM Specialty Ins Co
Group: Jewelers Mut Grp
Is JM Specialty Ins Co reputable?
No complaint data is available for JM Specialty Ins Co in this dataset. Use the NAIC Consumer Insurance Search to look up complaint data for this carrier.
California market: $689,006 in direct premiums written , 31.7% direct loss ratio (DERIVED).
This page informs — it does not rank or recommend. Verify the license at your state Department of Insurance before purchasing.
What the California loss ratio means
The California direct loss ratio (31.7%) is direct losses incurred divided by direct premiums earned — a measure of what fraction of premium revenue the carrier paid out in claims in California. Atlas Commons computes this from CA DOI Market Share Report figures; the CA DOI publishes the component figures, not this ratio.
A ratio below 100% means the carrier paid less in claims than it collected in premium. Above 100% means it paid more. Neither is "good" or "bad" without knowing the product mix, year, and market conditions — use it as one data point alongside other sources.
Treasury C570 Surety Certification
JM Specialty Ins Co is NOT listed on the U.S. Treasury Circular 570 as a certified surety company. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines. Verify at fiscal.treasury.gov.
Lines written in California
INLAND MARINE, TOTALS
Frequently asked questions
Does JM Specialty Ins Co have any complaints on file?
No complaint data is available for JM Specialty Ins Co (NAIC 16116) in this dataset. Use the NAIC Consumer Insurance Search to look up national complaint data for this carrier directly.
Is JM Specialty Ins Co Treasury C570 certified for surety bonds?
No. JM Specialty Ins Co (NAIC 16116) is NOT listed on the U.S. Treasury Circular 570. Surety certification applies only to federal contract bonds — most personal-lines carriers are not on this list.
How do I verify JM Specialty Ins Co's license or file a complaint?
To verify a carrier's license, contact your state Department of Insurance — each state has its own licensing database. For complaints, file with your state DOI (not with Coverage Atlas). You can also look up JM Specialty Ins Co (NAIC 16116) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
How much insurance does JM Specialty Ins Co write in California?
Per the California DOI Market Share Report, JM Specialty Ins Co (NAIC 16116) wrote $689,006 in California direct premiums across INLAND MARINE, TOTALS. The California direct loss ratio — direct losses incurred divided by direct premiums earned, computed by Atlas Commons from CA DOI figures — is 31.7%.
What to do next
- Verify the license: before purchasing from any carrier, confirm it is licensed in your state at your state Department of Insurance website.
- File a complaint: if you have an unresolved issue with this carrier, file a complaint with your state DOI — not with Coverage Atlas. State DOIs are the legal authority.
- Look up complaint data yourself: the NAIC Consumer Insurance Search lets you look up any licensed carrier by NAIC code (16116).
RECORDED — complaint counts, policies in force, surety certification, and CA direct premium written are reported figures from named authorities (Treasury C570, CA DOI). DERIVED — the CA loss ratio are Atlas Commons computations over those reported figures — not published by the source authority.
This profile informs and compares — it does not rank, certify, or advise. To verify a carrier's license or file a complaint, contact your state Department of Insurance. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Sources: CA DOI market share · Treasury C570 · NAIC CIS