# Atlas Commons research objects — carrier quality profile for NATIONAL FIRE INSURANCE COMPANY OF HARTFORD (NAIC 20478) — context brief

Insurer-quality data for NATIONAL FIRE INSURANCE COMPANY OF HARTFORD (NAIC 20478): 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:

- **NATIONAL FIRE INSURANCE COMPANY OF HARTFORD had 1 confirmed complaint in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **NATIONAL FIRE INSURANCE COMPANY OF HARTFORD had 1,082 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)
- **NATIONAL FIRE INSURANCE COMPANY OF HARTFORD had 0.924 confirmed complaints per 1,000 TX policies in 2025** — DERIVED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (Atlas Commons derivation) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **NATIONAL FIRE INSURANCE COMPANY OF HARTFORD is 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/)
- **NATIONAL FIRE INSURANCE COMPANY OF HARTFORD wrote $182,244,671 in California direct premiums across ALLIED LINES, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIDELITY, FIRE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRODUCTS LIABILITY OCCURRENCE, SURETY, 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)
- **NATIONAL FIRE INSURANCE COMPANY OF HARTFORD's California direct loss ratio is 54.9%** — 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 NATIONAL FIRE INSURANCE COMPANY OF HARTFORD (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/20478)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/20478.jsonld` · anatomy of the research object: see /commons/the-research-object

**NATIONAL FIRE INSURANCE COMPANY OF HARTFORD (NAIC 20478) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 1 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 1082 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**NATIONAL FIRE INSURANCE COMPANY OF HARTFORD — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Workers' Compensation…
**NATIONAL FIRE INSURANCE COMPANY OF HARTFORD — lines written in California (RECORDED)** (16): ALLIED LINES; BOILER & MACHINERY; BURGLARY & THEFT…