What Verdica's 798 score means for W&A Intermediate Co., LLC
W&A Intermediate Co., LLC received a composite Verdica score of 798 out of 850, placing it in the "strong" band (740–799). This score reflects measurable compliance and financial performance based on regulatory data tracked by the National Association of Insurance Commissioners (NAIC).
A score in this range indicates that the provider has demonstrated reliable financial standing and a complaint history that aligns with or exceeds industry norms. It does not mean the entity is risk-free—no insurance provider operates without occasional customer disputes or regulatory scrutiny—but rather that the publicly available complaint data and financial metrics do not suggest systemic problems or instability.
Business owners and consumers should interpret this score as permission to conduct further due diligence, rather than a blanket endorsement. The score reflects backward-looking regulatory data; it does not predict future performance. Anyone considering W&A Intermediate Co., LLC as an insurance partner should treat this strong rating as a starting point and verify coverage details, pricing, and service terms independently.
How the sub-scores break down
Financial Strength: 700 out of 850
This sub-score measures the provider's capital reserves, underwriting profitability, and ability to pay claims over time. A score of 700 places financial strength in the acceptable-to-strong range. It signals that the NAIC data does not indicate solvency concerns or liquidity crises, but it also reflects that the entity's balance sheet metrics are solid rather than exceptional. Insurers with very high financial strength scores typically show larger surplus reserves or lower loss ratios relative to peers. A score of 700 suggests W&A Intermediate Co., LLC meets regulatory minimums and maintains a stable underwriting operation.
Complaints: 850 out of 850
This sub-score is based on the ratio of complaints filed against the provider relative to its market share and policy volume. A perfect or near-perfect score indicates that complaint frequency is low or favorable compared to industry benchmarks. This does not mean zero complaints have been filed; rather, the complaint ratio—complaints per unit of premium written or policies in force—falls within acceptable or better-than-average bounds. A high complaints score typically reflects either strong customer service, effective issue resolution, or both.
Regulatory Actions: 850 out of 850
This sub-score captures the frequency, severity, and recency of enforcement actions, license suspensions, or formal sanctions issued by state insurance regulators. A perfect or near-perfect score means that the NAIC's public record contains no major disciplinary actions or that any actions on file are minor and isolated. This is a critical metric: it directly reflects whether regulators have found reason to formally discipline the provider for violations of insurance laws or rules.
What regulators track for insurance providers
The NAIC maintains a central repository of consumer complaints, financial filings, and regulatory actions across all licensed insurers. State insurance commissioners use this data to monitor market conduct—whether insurers are denying claims unfairly, misrepresenting coverage, failing to pay promptly, or engaging in deceptive practices. They also track financial strength through annual audits and solvency assessments.
Complaint ratios account for premium volume; a large insurer with 100 complaints might have a better ratio than a small one with 10, because volume is factored in. Regulatory actions range from minor citations to license revocation. Verdica's scoring model weights these data points to produce a composite picture of whether an insurer is operating in compliance with state law and industry standards. The underlying philosophy is that past regulatory behavior and complaint history are the most transparent, verifiable indicators of an insurer's trustworthiness and operational quality.
Bottom line
W&A Intermediate Co., LLC scores in the strong range, with particular strength in complaint and regulatory metrics. Before committing to any insurance arrangement, verify that the coverage offered meets your specific needs, compare premiums with competitors, and confirm the entity is licensed to do business in your state.