# Atlas Commons research objects — carrier quality profile for LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035) — context brief

Insurer-quality data for LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035): 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:

- **LIBERTY MUTUAL FIRE INSURANCE COMPANY had 7 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **LIBERTY MUTUAL FIRE INSURANCE COMPANY had 2,080 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)
- **LIBERTY MUTUAL FIRE INSURANCE COMPANY had 3.365 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)
- **LIBERTY MUTUAL FIRE INSURANCE COMPANY 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/)
- **LIBERTY MUTUAL FIRE INSURANCE COMPANY wrote $434,569,300 in California direct premiums across ALLIED LINES, BOILER & MACHINERY, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, EXCESS WORKERS' COMPENSATION, FEDERAL FLOOD INSURANCE, FIRE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, OCEAN MARINE, OTHER LIABILITY OCCURRENCE, PET INSURANCE PLANS, PRIVATE FLOOD, PRODUCTS LIABILITY OCCURRENCE, 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)
- **LIBERTY MUTUAL FIRE INSURANCE COMPANY's California direct loss ratio is 53.2%** — 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 LIBERTY MUTUAL FIRE INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/23035)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/23035.jsonld` · anatomy of the research object: see /commons/the-research-object

**LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 7 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 2080 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**LIBERTY MUTUAL FIRE INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (3): Automobile; Homeowners; Workers' Compensation…
**LIBERTY MUTUAL FIRE INSURANCE COMPANY — lines written in California (RECORDED)** (18): ALLIED LINES; BOILER & MACHINERY; COMMERCIAL AUTO LIABILITY…