# Atlas Commons research objects — carrier quality profile for LIO INSURANCE COMPANY (NAIC 40550) — context brief

Insurer-quality data for LIO INSURANCE COMPANY (NAIC 40550): 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:

- **LIO 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)
- **LIO INSURANCE COMPANY had 36 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)
- **LIO 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/)
- **LIO INSURANCE COMPANY wrote $19,388,012 in California direct premiums across COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), INLAND MARINE, OTHER HEALTH, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRODUCTS 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)
- **LIO INSURANCE COMPANY's California direct loss ratio is 182.4%** — 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 LIO INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/40550)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/40550.jsonld` · anatomy of the research object: see /commons/the-research-object

**LIO INSURANCE COMPANY (NAIC 40550) — 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) — 36 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**LIO INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Accident and Health…
**LIO INSURANCE COMPANY — lines written in California (RECORDED)** (8): COMMERCIAL MULTIPLE PERIL (LIABILITY); COMMERCIAL MULTIPLE PERIL (NON-LIABILITY); INLAND MARINE…