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
748
152
900
16.89%
23.88%
2024
1,480
268
1,748
15.33%
23.31%
2023
2,167
381
2,548
14.95%
22.83%
2022
2,173
386
2,559
15.08%
23.10%
2021
1,994
311
2,305
13.49%
22.81%
2020
1,765
251
2,016
12.45%
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
203
96
299
32.11%
49.08%
2024
187
86
273
31.50%
47.46%
2023
189
95
284
33.45%
47.29%
2022
183
95
278
34.17%
45.44%
2021
167
86
253
33.99%
44.40%
2020
151
68
219
31.05%
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
143
116
259
44.79%
42.44%
2024
148
107
255
41.96%
41.75%
2023
170
110
280
39.29%
38.64%
2022
179
104
283
36.75%
39.39%
2021
141
93
234
39.74%
40.41%
2020
134
116
250
46.40%
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
93
54
147
36.73%
38.98%
2024
239
103
342
30.12%
39.58%
2023
381
159
540
29.44%
36.96%
2022
672
238
910
26.15%
37.07%
2021
322
136
458
29.69%
39.17%
2020
357
135
492
27.44%
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
5
4
9
44.44%
83.87%
2024
3
3
6
50.00%
81.44%
2023
2
2
4
50.00%
74.87%
2022
1
2
3
66.67%
72.69%
2021
1
2
3
66.67%
79.01%
2020
1
1
2
50.00%
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
7
9
16
56.25%
13.25%
2024
7
8
15
53.33%
12.32%
2023
6
8
14
57.14%
16.34%
2022
7
8
15
53.33%
11.13%
2021
7
8
15
53.33%
18.93%
2020
4
8
12
66.67%
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
18
7
25
28.00%
45.21%
2024
129
51
180
28.33%
45.23%
2023
191
75
266
28.20%
44.64%
2022
189
72
261
27.59%
46.15%
2021
172
65
237
27.43%
46.87%
2020
166
56
222
25.23%
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
5
4
9
44.44%
63.59%
2024
4
5
9
55.56%
63.97%
2023
5
5
10
50.00%
62.55%
2022
4
6
10
60.00%
56.52%
2021
3
4
7
57.14%
62.74%
2020
4
4
8
50.00%
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
278
52
330
15.76%
34.83%
2024
287
62
349
17.77%
35.33%
2023
315
79
394
20.05%
35.67%
2022
321
88
409
21.52%
37.14%
2021
340
89
429
20.75%
35.46%
2020
312
77
389
19.79%
33.86%