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
177
46
223
20.63%
23.88%
2024
174
49
223
21.97%
23.31%
2023
172
44
216
20.37%
22.83%
2022
197
48
245
19.59%
23.10%
2021
186
96
282
34.04%
22.81%
2020
212
42
254
16.54%
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
20
12
32
37.50%
49.08%
2024
23
15
38
39.47%
47.46%
2023
39
19
58
32.76%
47.29%
2022
53
21
74
28.38%
45.44%
2021
48
46
94
48.94%
44.40%
2020
16
7
23
30.43%
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
14
12
26
46.15%
42.44%
2024
16
16
32
50.00%
41.75%
2023
24
18
42
42.86%
38.64%
2022
23
20
43
46.51%
39.39%
2021
21
26
47
55.32%
40.41%
2020
11
9
20
45.00%
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
42
19
61
31.15%
38.98%
2024
30
19
49
38.78%
39.58%
2023
44
16
60
26.67%
36.96%
2022
40
13
53
24.53%
37.07%
2021
39
17
56
30.36%
39.17%
2020
82
24
106
22.64%
35.42%
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
0
0
0.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
1
0
1
0.00%
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
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
1
1
100.00%
11.13%
2021
1
0
1
0.00%
18.93%
2020
3
4
7
57.14%
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
38
8
46
17.39%
45.21%
2024
37
8
45
17.78%
45.23%
2023
23
7
30
23.33%
44.64%
2022
18
7
25
28.00%
46.15%
2021
17
10
27
37.04%
46.87%
2020
55
19
74
25.68%
43.90%
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
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
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
225
78
303
25.74%
34.83%
2024
225
73
298
24.50%
35.33%
2023
221
64
285
22.46%
35.67%
2022
230
66
296
22.30%
37.14%
2021
233
67
300
22.33%
35.46%
2020
225
55
280
19.64%
33.86%