# Atlas Commons research objects — carrier quality profile for SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY (NAIC 38997) — context brief

Insurer-quality data for SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY (NAIC 38997): 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:

- **SOMPO AMERICA FIRE & MARINE 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)
- **SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY had 97 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)
- **SOMPO AMERICA FIRE & MARINE 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/)
- **SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY wrote $40,412,554 in California direct premiums across ALLIED LINES, BOILER & MACHINERY, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO NO-FAULT, COMMERCIAL AUTO PHYSICAL DAMAGE, EARTHQUAKE, FIRE, PRIVATE FLOOD, 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)
- **SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY's California direct loss ratio is 69.4%** — 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 SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/38997)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/38997.jsonld` · anatomy of the research object: see /commons/the-research-object

**SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY (NAIC 38997) — 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) — 97 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (2): Automobile; Workers' Compensation…
**SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY — lines written in California (RECORDED)** (10): ALLIED LINES; BOILER & MACHINERY; COMMERCIAL AUTO LIABILITY…