Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
2,713
411
3,124
13.16%
23.88%
2024
3,080
435
3,515
12.38%
23.31%
2023
3,404
481
3,885
12.38%
22.83%
2022
3,315
533
3,848
13.85%
23.10%
2021
3,222
413
3,635
11.36%
22.81%
2020
3,062
404
3,466
11.66%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
127
113
240
47.08%
49.08%
2024
121
115
236
48.73%
47.46%
2023
109
101
210
48.10%
47.29%
2022
104
98
202
48.51%
45.44%
2021
93
92
185
49.73%
44.40%
2020
111
117
228
51.32%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
243
265
508
52.17%
42.44%
2024
324
319
643
49.61%
41.75%
2023
303
296
599
49.42%
38.64%
2022
293
268
561
47.77%
39.39%
2021
362
317
679
46.69%
40.41%
2020
351
639
990
64.55%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
460
321
781
41.10%
38.98%
2024
510
392
902
43.46%
39.58%
2023
565
422
987
42.76%
36.96%
2022
463
401
864
46.41%
37.07%
2021
581
509
1,090
46.70%
39.17%
2020
729
559
1,288
43.40%
35.42%
Medical Professional Liability (Claims Made)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
Medical Professional Liability (Occurrence)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
4
4
100.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
1
3
4
75.00%
74.87%
2022
1
2
3
66.67%
72.69%
2021
1
3
4
75.00%
79.01%
2020
-1
2
1
200.00%
80.13%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
8
22
30
73.33%
13.25%
2024
8
27
35
77.14%
12.32%
2023
7
34
41
82.93%
16.34%
2022
9
31
40
77.50%
11.13%
2021
8
38
46
82.61%
18.93%
2020
11
38
49
77.55%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
724
377
1,101
34.24%
45.21%
2024
769
404
1,173
34.44%
45.23%
2023
796
449
1,245
36.06%
44.64%
2022
778
462
1,240
37.26%
46.15%
2021
776
412
1,188
34.68%
46.87%
2020
810
372
1,182
31.47%
43.90%
Product Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
83.02%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
1
3
4
75.00%
63.59%
2024
1
3
4
75.00%
63.97%
2023
0
2
2
100.00%
62.55%
2022
1
3
4
75.00%
56.52%
2021
1
4
5
80.00%
62.74%
2020
1
3
4
75.00%
61.51%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
825
579
1,404
41.24%
34.83%
2024
818
584
1,402
41.65%
35.33%
2023
807
610
1,417
43.05%
35.67%
2022
776
584
1,360
42.94%
37.14%
2021
716
505
1,221
41.36%
35.46%
2020
620
436
1,056
41.29%
33.86%