# Atlas Commons research objects — carrier quality profile for GOLDEN BEAR INSURANCE COMPANY (NAIC 39861) — context brief

Insurer-quality data for GOLDEN BEAR INSURANCE COMPANY (NAIC 39861): 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:

- **GOLDEN BEAR 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)
- **GOLDEN BEAR INSURANCE COMPANY had 5 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)
- **GOLDEN BEAR 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/)
- **GOLDEN BEAR INSURANCE COMPANY wrote $276,433,202 in California direct premiums across COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, HOMEOWNERS MULTIPLE PERIL, OTHER LIABILITY OCCURRENCE, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **GOLDEN BEAR INSURANCE COMPANY's California direct loss ratio is 23.1%** — 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 GOLDEN BEAR INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/39861)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/39861.jsonld` · anatomy of the research object: see /commons/the-research-object

**GOLDEN BEAR INSURANCE COMPANY (NAIC 39861) — 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) — 5 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**GOLDEN BEAR INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Automobile…
**GOLDEN BEAR INSURANCE COMPANY — lines written in California (RECORDED)** (7): COMMERCIAL MULTIPLE PERIL (LIABILITY); COMMERCIAL MULTIPLE PERIL (NON-LIABILITY); EARTHQUAKE…