Insurer quality profile · NAIC 32859
PENN-AMERICA INSURANCE COMPANY
Group: Global Ind Grp
Is PENN-AMERICA INSURANCE COMPANY reputable?
The Texas DOI data records 0 confirmed complaints in 2025 for PENN-AMERICA INSURANCE COMPANY. A per-policy rate is not available for this carrier.
California market: $42,754 in direct premiums written , 216.6% 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 (216.6%) 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
PENN-AMERICA INSURANCE COMPANY 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
COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), OTHER LIABILITY OCCURRENCE, PRODUCTS LIABILITY OCCURRENCE, TOTALS
Frequently asked questions
How many complaints does PENN-AMERICA INSURANCE COMPANY have?
In 2025, the TX DOI / NAIC complaint data records 0 confirmed complaints for PENN-AMERICA INSURANCE COMPANY (NAIC 32859). A per-policy rate is not available (insufficient policy-count data for this carrier).
Is PENN-AMERICA INSURANCE COMPANY Treasury C570 certified for surety bonds?
No. PENN-AMERICA INSURANCE COMPANY (NAIC 32859) 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 PENN-AMERICA INSURANCE COMPANY'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 PENN-AMERICA INSURANCE COMPANY (NAIC 32859) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
How much insurance does PENN-AMERICA INSURANCE COMPANY write in California?
Per the California DOI Market Share Report, PENN-AMERICA INSURANCE COMPANY (NAIC 32859) wrote $42,754 in California direct premiums across COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), OTHER LIABILITY OCCURRENCE, PRODUCTS LIABILITY OCCURRENCE, TOTALS. The California direct loss ratio — direct losses incurred divided by direct premiums earned, computed by Atlas Commons from CA DOI figures — is 216.6%.
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 (32859).
- 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