name = "Atlas Commons research objects — carrier quality profile for GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136)"
description = "Insurer-quality data for GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136): 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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136/confirmed-complaints-latest"
warrant = "RECORDED"
name = "GREAT AMERICAN INSURANCE COMPANY OF NEW YORK had 0 confirmed complaints in 2025"
text = "The TX DOI / NAIC complaint data records 0 confirmed complaints for GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136) in 2025 across 2 lines of insurance. A directly reported count from the named authority."
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
sourceUrl = "https://www.tdi.texas.gov/consumer/complaintchoice.html"
falsifier = "Check the TX DOI / NAIC complaint database directly for NAIC code 22136. Falsified if the source figure differs from the published record."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136/policies-in-force-latest"
warrant = "RECORDED"
name = "GREAT AMERICAN INSURANCE COMPANY OF NEW YORK had 56 TX policies in force in 2025"
text = "The TX DOI / NAIC data records 56 policies in force for GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136) in 2025. This is the denominator used when computing the complaints-per-1,000-policies rate."
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
sourceUrl = "https://www.tdi.texas.gov/consumer/complaintchoice.html"
falsifier = "Verify the policy-count figure in the TX DOI / NAIC filing for NAIC 22136."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136/surety-certified"
warrant = "RECORDED"
name = "GREAT AMERICAN INSURANCE COMPANY OF NEW YORK is listed on the U.S. Treasury Circular 570 (certified surety companies)"
text = "The U.S. Treasury Circular 570 lists GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136) as a certified company holding a certificate of authority from the Secretary of the Treasury to act as surety on federal bonds. Surety certification is specific to federal bonds; it does not certify the carrier's quality for other lines of insurance."
source = "U.S. Treasury Circular 570 (certified surety companies)"
sourceUrl = "https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/"
falsifier = "Verify at https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/: search for NAIC 22136. Falsified if the current C570 list contradicts this value."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136/ca-direct-premium"
warrant = "RECORDED"
name = "GREAT AMERICAN INSURANCE COMPANY OF NEW YORK wrote $12,198,430 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, FARMOWNERS MULTIPLE PERIL, FIDELITY, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRODUCTS LIABILITY OCCURRENCE, SURETY, TOTALS lines"
text = "Per the California DOI Market Share Report, GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136) wrote $12,198,430 in California direct premiums across the following lines of insurance: ALLIED LINES, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FARMOWNERS MULTIPLE PERIL, FIDELITY, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRODUCTS LIABILITY OCCURRENCE, SURETY, TOTALS. A directly reported figure from the CA DOI filing."
source = "California DOI Market Share Report"
sourceUrl = "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm"
falsifier = "Verify in the CA DOI Market Share Report for NAIC 22136. Falsified if the CA DOI figure differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136/ca-loss-ratio"
warrant = "DERIVED"
name = "GREAT AMERICAN INSURANCE COMPANY OF NEW YORK's California direct loss ratio is 40.7%"
text = "The California direct loss ratio for GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (NAIC 22136) is 40.7%. Computed as CA direct losses incurred divided by CA direct premiums earned, using figures from the CA DOI Market Share Report. The CA DOI publishes the component figures; Atlas Commons computes this ratio — it is NOT a CA DOI-published statistic. A loss ratio below 100% means the carrier paid out less in claims than it collected; above 100% means it paid more. Neither extreme is good or bad without market and product context."
source = "California DOI Market Share Report (Atlas Commons derivation)"
sourceUrl = "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm"
falsifier = "Reproduce it: divide CA direct losses incurred by CA direct premiums earned from the CA DOI Market Share Report for NAIC 22136. Falsified if the ratio differs. Note: this is not a CA DOI-published figure."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136/boundary"
warrant = "INTERPRETATION"
name = "What this carrier quality profile is — and is NOT — for GREAT AMERICAN INSURANCE COMPANY OF NEW YORK (the epistemic boundary)"
text = "This profile contains REPORTED complaint figures (TX DOI / NAIC), a DERIVED complaints-per-1,000-policies rate (TX complaints only, material books only), a DERIVED California loss ratio, and CA DOI premium data. It is NOT a ranking, a recommendation, a safety certification, or advice. A higher complaints-per-1,000-policies rate means more TX-filed confirmed complaints per policy — a factual rate, not a verdict. Product mix, policyholder demographics, and reporting differences all affect this figure. Before purchasing, verify the carrier's license at your state Department of Insurance, not here. The Texas DOI (for TX-licensed carriers), CA DOI, and NAIC Consumer Insurance Search are the authoritative verification surfaces."
source = "Coverage Atlas framing (over the sources cited above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22136"
falsifier = "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a DOI verdict) — the LOWEST-warrant claim here. The complaint counts, rate, and CA figures above are sourced facts; this boundary note is interpretation."

[[carrierIndicators]]
indicator = "Complaint data year"
value = "2025"
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Confirmed complaints (latest year)"
value = 0
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Policies in force (latest year)"
value = 56
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Treasury C570 surety certified"
value = "Yes"
warrant = "RECORDED"
source = "U.S. Treasury Circular 570 (certified surety companies)"

[[carrierIndicators]]
indicator = "CA direct premium written (USD)"
value = 12198430
warrant = "RECORDED"
source = "California DOI Market Share Report"

[[carrierIndicators]]
indicator = "CA direct loss ratio"
value = "40.7%"
warrant = "DERIVED"
source = "California DOI Market Share Report (Atlas Commons derivation)"

[[complaintLines]]
line_of_insurance = "Automobile"

[[complaintLines]]
line_of_insurance = "Homeowners"

[[caLinesWritten]]
line_of_insurance = "ALLIED LINES"

[[caLinesWritten]]
line_of_insurance = "BOILER & MACHINERY"

[[caLinesWritten]]
line_of_insurance = "BURGLARY & THEFT"

[[caLinesWritten]]
line_of_insurance = "COMMERCIAL AUTO LIABILITY"

[[caLinesWritten]]
line_of_insurance = "COMMERCIAL AUTO PHYSICAL DAMAGE"

[[caLinesWritten]]
line_of_insurance = "COMMERCIAL MULTIPLE PERIL (LIABILITY)"

[[caLinesWritten]]
line_of_insurance = "COMMERCIAL MULTIPLE PERIL (NON-LIABILITY)"

[[caLinesWritten]]
line_of_insurance = "EARTHQUAKE"

[[caLinesWritten]]
line_of_insurance = "FARMOWNERS MULTIPLE PERIL"

[[caLinesWritten]]
line_of_insurance = "FIDELITY"

[[caLinesWritten]]
line_of_insurance = "FIRE"

[[caLinesWritten]]
line_of_insurance = "INLAND MARINE"

[[caLinesWritten]]
line_of_insurance = "OTHER LIABILITY CLAIMS MADE"

[[caLinesWritten]]
line_of_insurance = "OTHER LIABILITY OCCURRENCE"

[[caLinesWritten]]
line_of_insurance = "PRODUCTS LIABILITY OCCURRENCE"

[[caLinesWritten]]
line_of_insurance = "SURETY"

[[caLinesWritten]]
line_of_insurance = "TOTALS"
