# Atlas Commons research objects — carrier quality profile for ESSENTIA INSURANCE COMPANY (NAIC 37915) — context brief

Insurer-quality data for ESSENTIA INSURANCE COMPANY (NAIC 37915): 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:

- **ESSENTIA INSURANCE COMPANY had 2 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **ESSENTIA INSURANCE COMPANY had 94,119 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)
- **ESSENTIA INSURANCE COMPANY had 0.021 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)
- **ESSENTIA 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/)
- **ESSENTIA INSURANCE COMPANY wrote $252,168,290 in California direct premiums across INLAND MARINE, 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)
- **ESSENTIA INSURANCE COMPANY's California direct loss ratio is 70.3%** — 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 ESSENTIA INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/37915)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/37915.jsonld` · anatomy of the research object: see /commons/the-research-object

**ESSENTIA INSURANCE COMPANY (NAIC 37915) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 2 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 94119 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**ESSENTIA INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Automobile…
**ESSENTIA INSURANCE COMPANY — lines written in California (RECORDED)** (4): INLAND MARINE; PRIVATE PASSENGER AUTO LIABILITY; PRIVATE PASSENGER AUTO PHYSICAL DAMAGE…