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
190
126
316
39.87%
23.88%
2024
205
107
312
34.29%
23.31%
2023
165
59
224
26.34%
22.83%
2022
189
86
275
31.27%
23.10%
2021
198
104
302
34.44%
22.81%
2020
265
179
444
40.32%
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
106
106
212
50.00%
49.08%
2024
106
112
218
51.38%
47.46%
2023
97
99
196
50.51%
47.29%
2022
125
130
255
50.98%
45.44%
2021
148
164
312
52.56%
44.40%
2020
172
177
349
50.72%
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
5
6
11
54.55%
42.44%
2024
9
10
19
52.63%
41.75%
2023
11
10
21
47.62%
38.64%
2022
11
12
23
52.17%
39.39%
2021
51
72
123
58.54%
40.41%
2020
49
170
219
77.63%
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
329
168
497
33.80%
38.98%
2024
534
396
930
42.58%
39.58%
2023
3
5
8
62.50%
36.96%
2022
407
230
637
36.11%
37.07%
2021
1,179
797
1,976
40.33%
39.17%
2020
649
365
1,014
36.00%
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
1
38
39
97.44%
83.87%
2024
1
27
28
96.43%
81.44%
2023
0
16
16
100.00%
74.87%
2022
0
8
8
100.00%
72.69%
2021
0
1
1
100.00%
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
2
8
10
80.00%
13.25%
2024
2
9
11
81.82%
12.32%
2023
2
9
11
81.82%
16.34%
2022
4
10
14
71.43%
11.13%
2021
4
14
18
77.78%
18.93%
2020
10
16
26
61.54%
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
0
0
0
0.00%
45.21%
2024
0
0
0
0.00%
45.23%
2023
0
0
0
0.00%
44.64%
2022
0
0
0
0.00%
46.15%
2021
8
6
14
42.86%
46.87%
2020
60
125
185
67.57%
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
2
2
100.00%
63.97%
2023
1
1
2
50.00%
62.55%
2022
1
1
2
50.00%
56.52%
2021
1
1
2
50.00%
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
1
2
50.00%
34.83%
2024
1
1
2
50.00%
35.33%
2023
1
1
2
50.00%
35.67%
2022
2
2
4
50.00%
37.14%
2021
1
3
4
75.00%
35.46%
2020
3
2
5
40.00%
33.86%