# Atlas Commons research objects — carrier quality profile for PENN-AMERICA INSURANCE COMPANY (NAIC 32859) — context brief

Insurer-quality data for PENN-AMERICA INSURANCE COMPANY (NAIC 32859): 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:

- **PENN-AMERICA INSURANCE COMPANY had 0 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **PENN-AMERICA INSURANCE COMPANY had 5 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)
- **PENN-AMERICA 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/)
- **PENN-AMERICA INSURANCE COMPANY wrote $42,754 in California direct premiums across COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), OTHER LIABILITY OCCURRENCE, PRODUCTS 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)
- **PENN-AMERICA INSURANCE COMPANY's California direct loss ratio is 216.6%** — 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 PENN-AMERICA INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/32859)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/32859.jsonld` · anatomy of the research object: see /commons/the-research-object

**PENN-AMERICA INSURANCE COMPANY (NAIC 32859) — every quality indicator (typed)** (6): 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) — 5 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**PENN-AMERICA INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Homeowners…
**PENN-AMERICA INSURANCE COMPANY — lines written in California (RECORDED)** (5): COMMERCIAL MULTIPLE PERIL (LIABILITY); COMMERCIAL MULTIPLE PERIL (NON-LIABILITY); OTHER LIABILITY OCCURRENCE…