{"carriers":[{"naic_id":"10024","company_name":"VerTerra Insurance Company","domicile":"Texas","fiscal_year":2025,"total_admitted_assets":398520962,"capital_surplus":80629461,"gross_premium":172477068,"combined_ratio":101,"losses_incurred_ratio":55,"iris_ratios_outside_range":null},{"naic_id":"10043","company_name":"American National Lloyds Insurance Company","domicile":"Texas","fiscal_year":2025,"total_admitted_assets":81621955,"capital_surplus":55934215,"gross_premium":177561919,"combined_ratio":136,"losses_incurred_ratio":97,"iris_ratios_outside_range":null},{"naic_id":"10046","company_name":"Pacific Insurance Company, Limited","domicile":"Connecticut","fiscal_year":2025,"total_admitted_assets":877349792,"capital_surplus":287467781,"gross_premium":448183674,"combined_ratio":90,"losses_incurred_ratio":50,"iris_ratios_outside_range":null},{"naic_id":"10074","company_name":"Frontline Insurance Unlimited Company","domicile":"Illinois","fiscal_year":2025,"total_admitted_assets":209925681,"capital_surplus":111738926,"gross_premium":274449353,"combined_ratio":75,"losses_incurred_ratio":7,"iris_ratios_outside_range":null},{"naic_id":"10172","company_name":"Westchester Surplus Lines Insurance Company","domicile":"Georgia","fiscal_year":2025,"total_admitted_assets":314467474,"capital_surplus":110525544,"gross_premium":2543476432,"combined_ratio":0,"losses_incurred_ratio":0,"iris_ratios_outside_range":null}],"distress_headline":{"count":107,"examples":[{"naic_id":"10024","company_name":"VerTerra Insurance Company","fiscal_year":2024,"iris_ratios_outside_range":7},{"naic_id":"10046","company_name":"Pacific Insurance Company, Limited","fiscal_year":2024,"iris_ratios_outside_range":7},{"naic_id":"10074","company_name":"Frontline Insurance Unlimited Company","fiscal_year":2024,"iris_ratios_outside_range":7}]},"report_date":"2025-12-31","data_as_of":"2025-12-31","source":"FSLSO Insurer Financial Highlights (from each carrier's own NAIC annual statement)","coverage_note":"These are NATIONWIDE statutory-statement financials, not an FL fact: FSLSO republishes each carrier's own NAIC annual statement because the carrier is ELIGIBLE to write surplus lines in Florida, not because the business described is Florida business. Only direct_premium_florida and pct_direct_premium_florida are FL-specific; every other figure on the card, including direct_premium_national, is the carrier's countrywide result. Ratios are stored EXACTLY as the publisher printed them and are never recomputed here, even when internally inconsistent for a carrier that cedes most of its business on a quota-share basis -- verified real example: Accelerant Specialty Insurance Company's FY2025 card prints Combined Ratio = 12% against Losses Incurred Ratio = 60%, because net premium is tiny next to gross premium for a heavy cedent, so the two printed percentages are computed off different bases; that is FSLSO's/NAIC's own published figure, not an extraction bug. iris_ratios_outside_range is sparse and per fiscal year: NULL means the figure was NOT PUBLISHED for that year (NAIC IRIS results lag the statement year, so a card usually prints this only for the prior fiscal year, sometimes for two, most often for neither) -- NEVER read a NULL year as zero outside-range ratios. A.M. Best ratings are deliberately not included here (a proprietary third-party rating opinion, not a market statistic).","note":"Free sample: a handful of carriers' latest-fiscal-year headline figures plus the distress screen's current count and a few examples. Full carrier dossier, reinsurer panel, and the distress screen are paid endpoints (see /openapi.json)."}