# Atlas Commons research objects — carrier quality profile for XL SPECIALTY INSURANCE COMPANY (NAIC 37885) — context brief

Insurer-quality data for XL SPECIALTY INSURANCE COMPANY (NAIC 37885): 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:

- **XL SPECIALTY INSURANCE COMPANY had 1 confirmed complaint in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **XL SPECIALTY INSURANCE COMPANY had 314 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)
- **XL SPECIALTY INSURANCE COMPANY is 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/)
- **XL SPECIALTY INSURANCE COMPANY wrote $708,956,027 in California direct premiums across AGGREGATE WRITE-INS FOR OTHER LINES, AIRCRAFT, ALLIED LINES, BOILER & MACHINERY, BURGLARY & THEFT, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, EXCESS WORKERS' COMPENSATION, FIDELITY, INLAND MARINE, OCEAN MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRIVATE PASSENGER AUTO LIABILITY, PRIVATE PASSENGER AUTO NO-FAULT, PRIVATE PASSENGER AUTO PHYSICAL DAMAGE, SURETY, TOTALS, WORKERS' COMPENSATION lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **XL SPECIALTY INSURANCE COMPANY's California direct loss ratio is 69.3%** — 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 XL SPECIALTY INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/37885)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/37885.jsonld` · anatomy of the research object: see /commons/the-research-object

**XL SPECIALTY INSURANCE COMPANY (NAIC 37885) — every quality indicator (typed)** (6): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 1 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 314 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**XL SPECIALTY INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Workers' Compensation…
**XL SPECIALTY INSURANCE COMPANY — lines written in California (RECORDED)** (19): AGGREGATE WRITE-INS FOR OTHER LINES; AIRCRAFT; ALLIED LINES…