Insurer quality profile · NAIC 24554
XL INSURANCE AMERICA, INC.
Group: AXA INS GRP
Is XL INSURANCE AMERICA, INC. reputable?
The Texas DOI data records 0 confirmed complaints in 2025 for XL INSURANCE AMERICA, INC.. A per-policy rate is not available for this carrier.
California market: $505,594,660 in direct premiums written , 29.2% direct loss ratio (DERIVED).
This page informs — it does not rank or recommend. Verify the license at your state Department of Insurance before purchasing.
What the California loss ratio means
The California direct loss ratio (29.2%) is direct losses incurred divided by direct premiums earned — a measure of what fraction of premium revenue the carrier paid out in claims in California. Atlas Commons computes this from CA DOI Market Share Report figures; the CA DOI publishes the component figures, not this ratio.
A ratio below 100% means the carrier paid less in claims than it collected in premium. Above 100% means it paid more. Neither is "good" or "bad" without knowing the product mix, year, and market conditions — use it as one data point alongside other sources.
Treasury C570 Surety Certification
XL INSURANCE AMERICA, INC. is NOT listed on the U.S. Treasury Circular 570 as a certified surety company. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines. Verify at fiscal.treasury.gov.
Lines written in California
ALLIED LINES, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRODUCTS LIABILITY CLAIM-MADE, PRODUCTS LIABILITY OCCURRENCE, TOTALS, WORKERS' COMPENSATION
Frequently asked questions
How many complaints does XL INSURANCE AMERICA, INC. have?
In 2025, the TX DOI / NAIC complaint data records 0 confirmed complaints for XL INSURANCE AMERICA, INC. (NAIC 24554). A per-policy rate is not available (insufficient policy-count data for this carrier).
Is XL INSURANCE AMERICA, INC. Treasury C570 certified for surety bonds?
No. XL INSURANCE AMERICA, INC. (NAIC 24554) is NOT listed on the U.S. Treasury Circular 570. Surety certification applies only to federal contract bonds — most personal-lines carriers are not on this list.
How do I verify XL INSURANCE AMERICA, INC.'s license or file a complaint?
To verify a carrier's license, contact your state Department of Insurance — each state has its own licensing database. For complaints, file with your state DOI (not with Coverage Atlas). You can also look up XL INSURANCE AMERICA, INC. (NAIC 24554) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
How much insurance does XL INSURANCE AMERICA, INC. write in California?
Per the California DOI Market Share Report, XL INSURANCE AMERICA, INC. (NAIC 24554) wrote $505,594,660 in California direct premiums across ALLIED LINES, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRODUCTS LIABILITY CLAIM-MADE, PRODUCTS LIABILITY OCCURRENCE, TOTALS, WORKERS' COMPENSATION. The California direct loss ratio — direct losses incurred divided by direct premiums earned, computed by Atlas Commons from CA DOI figures — is 29.2%.
What to do next
- Verify the license: before purchasing from any carrier, confirm it is licensed in your state at your state Department of Insurance website.
- File a complaint: if you have an unresolved issue with this carrier, file a complaint with your state DOI — not with Coverage Atlas. State DOIs are the legal authority.
- Look up complaint data yourself: the NAIC Consumer Insurance Search lets you look up any licensed carrier by NAIC code (24554).
- Texas policyholders: complaint data sourced from the Texas Department of Insurance.
RECORDED — complaint counts, policies in force, surety certification, and CA direct premium written are reported figures from named authorities (Texas DOI / NAIC, Treasury C570, CA DOI). DERIVED — the complaints-per-1,000-policies rate and CA loss ratio are Atlas Commons computations over those reported figures — not published by the source authority.
This profile informs and compares — it does not rank, certify, or advise. To verify a carrier's license or file a complaint, contact your state Department of Insurance. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Sources: Texas DOI complaints · CA DOI market share · Treasury C570 · NAIC CIS