---
title: Atlas Commons research objects — carrier quality profile for XL SPECIALTY INSURANCE COMPANY (NAIC 37885)
license: CC0-1.0
source: TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)
---

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

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

### XL SPECIALTY INSURANCE COMPANY had 1 confirmed complaint in 2025

**RECORDED.** The TX DOI / NAIC complaint data records 1 confirmed complaint for XL SPECIALTY INSURANCE COMPANY (NAIC 37885) in 2025 across 2 lines 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 37885. Falsified if the source figure differs from the published record.

### XL SPECIALTY INSURANCE COMPANY had 314 TX policies in force in 2025

**RECORDED.** The TX DOI / NAIC data records 314 policies in force for XL SPECIALTY INSURANCE COMPANY (NAIC 37885) 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 37885.

### XL SPECIALTY INSURANCE COMPANY is listed on the U.S. Treasury Circular 570 (certified surety companies)

**RECORDED.** The U.S. Treasury Circular 570 lists XL SPECIALTY INSURANCE COMPANY (NAIC 37885) 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 37885. Falsified if the current C570 list contradicts this value.

### 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.** Per the California DOI Market Share Report, XL SPECIALTY INSURANCE COMPANY (NAIC 37885) wrote $708,956,027 in California direct premiums across the following lines of insurance: 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. 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 37885. Falsified if the CA DOI figure differs.

### XL SPECIALTY INSURANCE COMPANY's California direct loss ratio is 69.3%

**DERIVED.** The California direct loss ratio for XL SPECIALTY INSURANCE COMPANY (NAIC 37885) is 69.3%. 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 37885. Falsified if the ratio differs. Note: this is not a CA DOI-published figure.

### What this carrier quality profile is — and is NOT — for XL SPECIALTY 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/37885
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.

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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/37885.jsonld`

## Data

### XL SPECIALTY INSURANCE COMPANY (NAIC 37885) — 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) | 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) |
| Treasury C570 surety certified | Yes | RECORDED | U.S. Treasury Circular 570 (certified surety companies) |
| CA direct premium written (USD) | 708956027 | RECORDED | California DOI Market Share Report |
| CA direct loss ratio | 69.3% | DERIVED | California DOI Market Share Report (Atlas Commons derivation) |

### XL SPECIALTY 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 |
| Workers' Compensation |

### XL SPECIALTY INSURANCE COMPANY — lines written in California (RECORDED)

Lines of insurance this carrier writes in California, per CA DOI market-share reports.

| line_of_insurance |
| --- |
| 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 |