Insurer quality profile · NAIC 44393
WEST AMERICAN INSURANCE COMPANY
Group: LIBERTY MUT GRP
Original
Is WEST AMERICAN INSURANCE COMPANY reputable?
The Texas DOI data records 0 confirmed complaints in 2025 for WEST AMERICAN INSURANCE COMPANY. A per-policy rate is not available for this carrier.
California market: $206,934,182 in direct premiums written , 72.8% direct loss ratio (DERIVED).
Treasury C570 surety certified (federal bonds only).
This page informs — it does not rank or recommend. Verify the license at your state Department of Insurance before purchasing.
What the California loss ratio means
The California direct loss ratio (72.8%) is direct losses incurred divided by direct premiums earned — a measure of what fraction of premium revenue the carrier paid out in claims in California. Atlas Commons computes this from CA DOI Market Share Report figures; the CA DOI publishes the component figures, not this ratio.
A ratio below 100% means the carrier paid less in claims than it collected in premium. Above 100% means it paid more. Neither is "good" or "bad" without knowing the product mix, year, and market conditions — use it as one data point alongside other sources.
Treasury C570 Surety Certification
WEST AMERICAN INSURANCE COMPANY is listed on the U.S. Treasury Circular 570, meaning the Secretary of the Treasury has certified it to write surety bonds on federal contracts. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines. Verify at fiscal.treasury.gov.
Lines written in California
ALLIED LINES, BOILER & MACHINERY, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FARMOWNERS MULTIPLE PERIL, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRODUCTS LIABILITY OCCURRENCE, TOTALS, WORKERS' COMPENSATION
Frequently asked questions
How many complaints does WEST AMERICAN INSURANCE COMPANY have?
In 2025, the TX DOI / NAIC complaint data records 0 confirmed complaints for WEST AMERICAN INSURANCE COMPANY (NAIC 44393). A per-policy rate is not available (insufficient policy-count data for this carrier).
Is WEST AMERICAN INSURANCE COMPANY Treasury C570 certified for surety bonds?
Yes. WEST AMERICAN INSURANCE COMPANY (NAIC 44393) is listed on the U.S. Treasury Circular 570, meaning the Secretary of the Treasury has certified it to write surety bonds on federal contracts. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines.
How do I verify WEST AMERICAN INSURANCE COMPANY's license or file a complaint?
To verify a carrier's license, contact your state Department of Insurance — each state has its own licensing database. For complaints, file with your state DOI (not with Coverage Atlas). You can also look up WEST AMERICAN INSURANCE COMPANY (NAIC 44393) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
How much insurance does WEST AMERICAN INSURANCE COMPANY write in California?
Per the California DOI Market Share Report, WEST AMERICAN INSURANCE COMPANY (NAIC 44393) wrote $206,934,182 in California direct premiums across ALLIED LINES, BOILER & MACHINERY, COMMERCIAL AUTO LIABILITY, COMMERCIAL AUTO PHYSICAL DAMAGE, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FARMOWNERS MULTIPLE PERIL, FIRE, INLAND MARINE, OTHER LIABILITY CLAIMS MADE, OTHER LIABILITY OCCURRENCE, PRODUCTS LIABILITY OCCURRENCE, TOTALS, WORKERS' COMPENSATION. The California direct loss ratio — direct losses incurred divided by direct premiums earned, computed by Atlas Commons from CA DOI figures — is 72.8%.
What to do next
- Verify the license: before purchasing from any carrier, confirm it is licensed in your state at your state Department of Insurance website.
- File a complaint: if you have an unresolved issue with this carrier, file a complaint with your state DOI — not with Coverage Atlas. State DOIs are the legal authority.
- Look up complaint data yourself: the NAIC Consumer Insurance Search lets you look up any licensed carrier by NAIC code (44393).
- Texas policyholders: complaint data sourced from the Texas Department of Insurance.
- Federal bonds: verify surety authorization at fiscal.treasury.gov.
RECORDED — complaint counts, policies in force, surety certification, and CA direct premium written are reported figures from named authorities (Texas DOI / NAIC, Treasury C570, CA DOI). DERIVED — the complaints-per-1,000-policies rate and CA loss ratio are Atlas Commons computations over those reported figures — not published by the source authority.
This profile informs and compares — it does not rank, certify, or advise. To verify a carrier's license or file a complaint, contact your state Department of Insurance. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Sources: Texas DOI complaints · CA DOI market share · Treasury C570 · NAIC CIS