# Atlas Commons research objects — carrier quality profile for JM Specialty Ins Co (NAIC 16116) — context brief

Insurer-quality data for JM Specialty Ins Co (NAIC 16116): 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:

- **JM Specialty 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/)
- **JM Specialty Ins Co wrote $689,006 in California direct premiums across INLAND MARINE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **JM Specialty Ins Co's California direct loss ratio is 31.7%** — 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 JM Specialty Ins Co (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16116)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16116.jsonld` · anatomy of the research object: see /commons/the-research-object

**JM Specialty Ins Co (NAIC 16116) — 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) — 689006 — RECORDED — California DOI Market Share Report…
**JM Specialty Ins Co — lines written in California (RECORDED)** (2): INLAND MARINE; TOTALS…