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
411
64
475
13.47%
23.88%
2024
432
71
503
14.12%
23.31%
2023
442
51
493
10.34%
22.83%
2022
433
49
482
10.17%
23.10%
2021
398
42
440
9.55%
22.81%
2020
377
30
407
7.37%
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
15
2
17
11.76%
49.08%
2024
14
3
17
17.65%
47.46%
2023
15
3
18
16.67%
47.29%
2022
18
3
21
14.29%
45.44%
2021
16
3
19
15.79%
44.40%
2020
13
0
13
0.00%
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
18
10
28
35.71%
42.44%
2024
23
9
32
28.13%
41.75%
2023
30
12
42
28.57%
38.64%
2022
32
11
43
25.58%
39.39%
2021
21
11
32
34.38%
40.41%
2020
25
11
36
30.56%
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
124
46
170
27.06%
38.98%
2024
133
48
181
26.52%
39.58%
2023
222
46
268
17.16%
36.96%
2022
161
43
204
21.08%
37.07%
2021
132
45
177
25.42%
39.17%
2020
170
38
208
18.27%
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
0
0
0
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
0
0
0
0.00%
18.93%
2020
0
0
0
0.00%
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
94
18
112
16.07%
45.21%
2024
106
20
126
15.87%
45.23%
2023
104
20
124
16.13%
44.64%
2022
97
20
117
17.09%
46.15%
2021
99
21
120
17.50%
46.87%
2020
104
16
120
13.33%
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
1
0
1
0.00%
34.83%
2024
1
0
1
0.00%
35.33%
2023
1
0
1
0.00%
35.67%
2022
1
0
1
0.00%
37.14%
2021
0
0
0
0.00%
35.46%
2020
0
0
0
0.00%
33.86%