# Atlas Commons research objects — carrier quality profile for Monterey Ins Co (NAIC 23540) — context brief

Insurer-quality data for Monterey Ins Co (NAIC 23540): 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:

- **Monterey Ins Co 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/)
- **Monterey Ins Co wrote $127,971,643 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, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, 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)
- **Monterey Ins Co's California direct loss ratio is 45.1%** — 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 Monterey Ins Co (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/23540)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/23540.jsonld` · anatomy of the research object: see /commons/the-research-object

**Monterey Ins Co (NAIC 23540) — every quality indicator (typed)** (4): Complaint data year —  — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Treasury C570 surety certified — No — RECORDED — U.S. Treasury Circular 570 (certified surety companies); CA direct premium written (USD) — 127971643 — RECORDED — California DOI Market Share Report…
**Monterey Ins Co — lines written in California (RECORDED)** (14): ALLIED LINES; BOILER & MACHINERY; BURGLARY & THEFT…