--- title: Atlas Commons research objects — carrier quality profile for ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) license: CC0-1.0 source: TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) --- # Atlas Commons research objects — carrier quality profile for ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) Insurer-quality data for ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791): 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 ### ST. PAUL MERCURY INSURANCE COMPANY had 0 confirmed complaints in 2025 **RECORDED.** The TX DOI / NAIC complaint data records 0 confirmed complaints for ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) in 2025 across 1 line of insurance. A directly reported count from the named authority. Source: TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) — https://www.tdi.texas.gov/consumer/complaintchoice.html Falsifier: Check the TX DOI / NAIC complaint database directly for NAIC code 24791. Falsified if the source figure differs from the published record. ### ST. PAUL MERCURY INSURANCE COMPANY had 6 TX policies in force in 2025 **RECORDED.** The TX DOI / NAIC data records 6 policies in force for ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) in 2025. This is the denominator used when computing the complaints-per-1,000-policies rate. Source: TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) — https://www.tdi.texas.gov/consumer/complaintchoice.html Falsifier: Verify the policy-count figure in the TX DOI / NAIC filing for NAIC 24791. ### ST. PAUL MERCURY INSURANCE COMPANY is listed on the U.S. Treasury Circular 570 (certified surety companies) **RECORDED.** The U.S. Treasury Circular 570 lists ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) as a certified company holding a certificate of authority from the Secretary of the Treasury to act as surety on federal bonds. Surety certification is specific to federal bonds; it does not certify the carrier's quality for other lines of insurance. Source: U.S. Treasury Circular 570 (certified surety companies) — https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/ Falsifier: Verify at https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/: search for NAIC 24791. Falsified if the current C570 list contradicts this value. ### ST. PAUL MERCURY INSURANCE COMPANY wrote $80,580 in California direct premiums across ALLIED LINES, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), FIDELITY, FIRE, TOTALS lines **RECORDED.** Per the California DOI Market Share Report, ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) wrote $80,580 in California direct premiums across the following lines of insurance: ALLIED LINES, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), FIDELITY, FIRE, TOTALS. A directly reported figure from the CA DOI filing. Source: California DOI Market Share Report — https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm Falsifier: Verify in the CA DOI Market Share Report for NAIC 24791. Falsified if the CA DOI figure differs. ### ST. PAUL MERCURY INSURANCE COMPANY's California direct loss ratio is 4664.1% **DERIVED.** The California direct loss ratio for ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) is 4664.1%. Computed as CA direct losses incurred divided by CA direct premiums earned, using figures from the CA DOI Market Share Report. The CA DOI publishes the component figures; Atlas Commons computes this ratio — it is NOT a CA DOI-published statistic. A loss ratio below 100% means the carrier paid out less in claims than it collected; above 100% means it paid more. Neither extreme is good or bad without market and product context. Source: California DOI Market Share Report (Atlas Commons derivation) — https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm Falsifier: Reproduce it: divide CA direct losses incurred by CA direct premiums earned from the CA DOI Market Share Report for NAIC 24791. Falsified if the ratio differs. Note: this is not a CA DOI-published figure. ### What this carrier quality profile is — and is NOT — for ST. PAUL MERCURY INSURANCE COMPANY (the epistemic boundary) **INTERPRETATION.** This profile contains REPORTED complaint figures (TX DOI / NAIC), a DERIVED complaints-per-1,000-policies rate (TX complaints only, material books only), a DERIVED California loss ratio, and CA DOI premium data. It is NOT a ranking, a recommendation, a safety certification, or advice. A higher complaints-per-1,000-policies rate means more TX-filed confirmed complaints per policy — a factual rate, not a verdict. Product mix, policyholder demographics, and reporting differences all affect this figure. Before purchasing, verify the carrier's license at your state Department of Insurance, not here. The Texas DOI (for TX-licensed carriers), CA DOI, and NAIC Consumer Insurance Search are the authoritative verification surfaces. Source: Coverage Atlas framing (over the sources cited above) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/24791 Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a DOI verdict) — the LOWEST-warrant claim here. The complaint counts, rate, and CA figures above are sourced facts; this boundary note is interpretation. --- Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/24791.jsonld` ## Data ### ST. PAUL MERCURY INSURANCE COMPANY (NAIC 24791) — every quality indicator (typed) Each figure with its four-status warrant and named source. RECORDED = a reported figure from the named authority. DERIVED = an Atlas Commons computation over those figures — not published by the source authority. | indicator | value | warrant | source | | --- | --- | --- | --- | | Complaint data year | 2025 | RECORDED | TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) | | Confirmed complaints (latest year) | 0 | RECORDED | TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) | | Policies in force (latest year) | 6 | RECORDED | TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) | | Treasury C570 surety certified | Yes | RECORDED | U.S. Treasury Circular 570 (certified surety companies) | | CA direct premium written (USD) | 80580 | RECORDED | California DOI Market Share Report | | CA direct loss ratio | 4664.1% | DERIVED | California DOI Market Share Report (Atlas Commons derivation) | ### ST. PAUL MERCURY INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED) Each line of insurance for which TX DOI / NAIC complaint data is available for this carrier. | line_of_insurance | | --- | | Automobile | ### ST. PAUL MERCURY INSURANCE COMPANY — lines written in California (RECORDED) Lines of insurance this carrier writes in California, per CA DOI market-share reports. | line_of_insurance | | --- | | ALLIED LINES | | BURGLARY & THEFT | | COMMERCIAL MULTIPLE PERIL (LIABILITY) | | COMMERCIAL MULTIPLE PERIL (NON-LIABILITY) | | FIDELITY | | FIRE | | TOTALS |