# Atlas Commons research objects — carrier quality profile for EMPIRE FIRE AND MARINE INSURANCE COMPANY (NAIC 21326) — context brief

Insurer-quality data for EMPIRE FIRE AND MARINE INSURANCE COMPANY (NAIC 21326): 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:

- **EMPIRE FIRE AND MARINE INSURANCE COMPANY 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)
- **EMPIRE FIRE AND MARINE INSURANCE COMPANY had 95 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)
- **EMPIRE FIRE AND MARINE 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/)
- **EMPIRE FIRE AND MARINE INSURANCE COMPANY wrote $294,489,956 in California direct premiums across ALLIED LINES, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, FIRE, INLAND MARINE, OTHER LIABILITY OCCURRENCE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **EMPIRE FIRE AND MARINE INSURANCE COMPANY's California direct loss ratio is 30.7%** — 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 EMPIRE FIRE AND MARINE INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/21326)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/21326.jsonld` · anatomy of the research object: see /commons/the-research-object

**EMPIRE FIRE AND MARINE INSURANCE COMPANY (NAIC 21326) — every quality indicator (typed)** (6): 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) — 95 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**EMPIRE FIRE AND MARINE INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (2): Accident and Health; Automobile…
**EMPIRE FIRE AND MARINE INSURANCE COMPANY — lines written in California (RECORDED)** (7): ALLIED LINES; COMMERCIAL AUTO LIABILITY; COMMERCIAL AUTO PHYSICAL DAMAGE…