# Atlas Commons research objects — carrier quality profile for OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA (NAIC 23248) — context brief

Insurer-quality data for OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA (NAIC 23248): 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:

- **OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA had 6 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA had 37,018 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)
- **OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA had 0.162 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)
- **OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA 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/)
- **OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA wrote $124,435,190 in California direct premiums across COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), 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)
- **OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA's California direct loss ratio is 11.5%** — 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 OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/23248)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/23248.jsonld` · anatomy of the research object: see /commons/the-research-object

**OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA (NAIC 23248) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 6 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 37018 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Homeowners…
**OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA — lines written in California (RECORDED)** (7): COMMERCIAL AUTO LIABILITY; COMMERCIAL AUTO PHYSICAL DAMAGE; COMMERCIAL MULTIPLE PERIL (LIABILITY)…