# Atlas Commons research objects — carrier quality profile for STILLWATER INSURANCE COMPANY (NAIC 25180) — context brief

Insurer-quality data for STILLWATER INSURANCE COMPANY (NAIC 25180): 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:

- **STILLWATER INSURANCE COMPANY had 3 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **STILLWATER INSURANCE COMPANY had 7,676 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)
- **STILLWATER INSURANCE COMPANY had 0.391 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)
- **STILLWATER INSURANCE COMPANY 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/)
- **STILLWATER INSURANCE COMPANY wrote $284,160,425 in California direct premiums across ALLIED LINES, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRIVATE PASSENGER AUTO LIABILITY, PRIVATE PASSENGER AUTO PHYSICAL DAMAGE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **STILLWATER INSURANCE COMPANY's California direct loss ratio is 132.9%** — 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 STILLWATER INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/25180)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/25180.jsonld` · anatomy of the research object: see /commons/the-research-object

**STILLWATER INSURANCE COMPANY (NAIC 25180) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 3 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 7676 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**STILLWATER INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Homeowners…
**STILLWATER INSURANCE COMPANY — lines written in California (RECORDED)** (13): ALLIED LINES; BURGLARY & THEFT; COMMERCIAL MULTIPLE PERIL (LIABILITY)…