---
title: Atlas Commons research objects — carrier quality profile for Stratford Ins Co (NAIC 40436)
license: CC0-1.0
source: U.S. Treasury Circular 570 (certified surety companies)
---

# Atlas Commons research objects — carrier quality profile for Stratford Ins Co (NAIC 40436)

Insurer-quality data for Stratford Ins Co (NAIC 40436): 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

### Stratford Ins Co is NOT listed on the U.S. Treasury Circular 570 (certified surety companies)

**RECORDED.** The U.S. Treasury Circular 570 does NOT list Stratford Ins Co (NAIC 40436) 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 40436. Falsified if the current C570 list contradicts this value.

### Stratford Ins Co wrote $13,617,348 in California direct premiums across OCEAN MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, TOTALS lines

**RECORDED.** Per the California DOI Market Share Report, Stratford Ins Co (NAIC 40436) wrote $13,617,348 in California direct premiums across the following lines of insurance: OCEAN MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, TOTALS. 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 40436. Falsified if the CA DOI figure differs.

### Stratford Ins Co's California direct loss ratio is 72.5%

**DERIVED.** The California direct loss ratio for Stratford Ins Co (NAIC 40436) is 72.5%. 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 40436. Falsified if the ratio differs. Note: this is not a CA DOI-published figure.

### What this carrier quality profile is — and is NOT — for Stratford Ins Co (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/40436
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/40436.jsonld`

## Data

### Stratford Ins Co (NAIC 40436) — 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 |  | RECORDED | TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) |
| Treasury C570 surety certified | No | RECORDED | U.S. Treasury Circular 570 (certified surety companies) |
| CA direct premium written (USD) | 13617348 | RECORDED | California DOI Market Share Report |
| CA direct loss ratio | 72.5% | DERIVED | California DOI Market Share Report (Atlas Commons derivation) |

### Stratford Ins Co — lines written in California (RECORDED)

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

| line_of_insurance |
| --- |
| OCEAN MARINE |
| OTHER LIABILITY CLAIMS MADE |
| OTHER LIABILITY OCCURRENCE |
| TOTALS |