# Atlas Commons research objects — carrier quality profile for STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 16578) — context brief

Insurer-quality data for STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 16578): 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:

- **STILLWATER PROPERTY AND CASUALTY 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)
- **STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY had 250 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)
- **STILLWATER PROPERTY AND CASUALTY 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/)
- **STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY wrote $66,493,415 in California direct premiums across EARTHQUAKE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY's California direct loss ratio is 89.9%** — 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 STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16578)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16578.jsonld` · anatomy of the research object: see /commons/the-research-object

**STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 16578) — 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) — 250 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Homeowners…
**STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY — lines written in California (RECORDED)** (6): EARTHQUAKE; HOMEOWNERS MULTIPLE PERIL; INLAND MARINE…