# Atlas Commons research objects — carrier quality profile for HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY (NAIC 22756) — context brief

Insurer-quality data for HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY (NAIC 22756): 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:

- **HORACE MANN PROPERTY & CASUALTY 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)
- **HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY had 6,480 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)
- **HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY had 0.154 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)
- **HORACE MANN PROPERTY & 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/)
- **HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY wrote $64,684,223 in California direct premiums across ALLIED LINES, EARTHQUAKE, FIRE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, PRIVATE PASSENGER AUTO LIABILITY, PRIVATE PASSENGER AUTO PHYSICAL DAMAGE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY's California direct loss ratio is 64.0%** — 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 HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22756)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/22756.jsonld` · anatomy of the research object: see /commons/the-research-object

**HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY (NAIC 22756) — 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) — 6480 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Automobile…
**HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY — lines written in California (RECORDED)** (8): ALLIED LINES; EARTHQUAKE; FIRE…