# Atlas Commons research objects — carrier quality profile for BCS INSURANCE COMPANY (NAIC 38245) — context brief

Insurer-quality data for BCS INSURANCE COMPANY (NAIC 38245): 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:

- **BCS 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)
- **BCS INSURANCE COMPANY had 114,112 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)
- **BCS INSURANCE COMPANY had 0.000 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)
- **BCS 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/)
- **BCS INSURANCE COMPANY wrote $121,211,046 in California direct premiums across DENTAL ONLY, INLAND MARINE, OTHER HEALTH, OTHER LIABILITY CLAIMS MADE, TOTALS, VISION ONLY lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **BCS INSURANCE COMPANY's California direct loss ratio is 35.0%** — 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 BCS INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/38245)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/38245.jsonld` · anatomy of the research object: see /commons/the-research-object

**BCS INSURANCE COMPANY (NAIC 38245) — every quality indicator (typed)** (7): 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) — 114112 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**BCS INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Accident and Health…
**BCS INSURANCE COMPANY — lines written in California (RECORDED)** (6): DENTAL ONLY; INLAND MARINE; OTHER HEALTH…