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
41,493
7,670
49,163
15.60%
23.88%
2024
44,004
7,904
51,908
15.23%
23.31%
2023
47,746
8,494
56,240
15.10%
22.83%
2022
51,588
8,578
60,166
14.26%
23.10%
2021
52,927
7,685
60,612
12.68%
22.81%
2020
52,205
6,925
59,130
11.71%
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
5,312
1,353
6,665
20.30%
49.08%
2024
5,543
1,292
6,835
18.90%
47.46%
2023
6,050
1,397
7,447
18.76%
47.29%
2022
6,563
1,609
8,172
19.69%
45.44%
2021
6,531
1,395
7,926
17.60%
44.40%
2020
6,669
1,292
7,961
16.23%
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
3,846
2,042
5,888
34.68%
42.44%
2024
4,326
2,427
6,753
35.94%
41.75%
2023
5,379
2,578
7,957
32.40%
38.64%
2022
5,448
3,039
8,487
35.81%
39.39%
2021
5,604
3,484
9,088
38.34%
40.41%
2020
6,473
8,576
15,049
56.99%
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
5,673
1,836
7,509
24.45%
38.98%
2024
6,769
2,119
8,888
23.84%
39.58%
2023
9,335
2,539
11,874
21.38%
36.96%
2022
7,934
2,433
10,367
23.47%
37.07%
2021
8,624
2,690
11,314
23.78%
39.17%
2020
12,632
3,307
15,939
20.75%
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
1
1
100.00%
95.15%
2024
0
1
1
100.00%
96.08%
2023
1
4
5
80.00%
95.22%
2022
1
1
2
50.00%
96.00%
2021
1
0
1
0.00%
93.58%
2020
0
2
2
100.00%
94.02%
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
6
22
28
78.57%
94.16%
2024
2
24
26
92.31%
92.29%
2023
5
37
42
88.10%
92.52%
2022
8
20
28
71.43%
92.14%
2021
3
31
34
91.18%
91.74%
2020
6
33
39
84.62%
93.85%
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
66
116
182
63.74%
83.87%
2024
50
97
147
65.99%
81.44%
2023
57
89
146
60.96%
74.87%
2022
47
82
129
63.57%
72.69%
2021
39
40
79
50.63%
79.01%
2020
42
22
64
34.38%
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
264
282
546
51.65%
13.25%
2024
343
319
662
48.19%
12.32%
2023
382
367
749
49.00%
16.34%
2022
444
442
886
49.89%
11.13%
2021
479
513
992
51.71%
18.93%
2020
481
433
914
47.37%
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
6,001
1,166
7,167
16.27%
45.21%
2024
6,631
1,150
7,781
14.78%
45.23%
2023
7,070
1,267
8,337
15.20%
44.64%
2022
7,661
1,478
9,139
16.17%
46.15%
2021
8,201
1,555
9,756
15.94%
46.87%
2020
8,600
1,364
9,964
13.69%
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%
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
86
90
176
51.14%
63.59%
2024
105
110
215
51.16%
63.97%
2023
120
127
247
51.42%
62.55%
2022
169
142
311
45.66%
56.52%
2021
153
115
268
42.91%
62.74%
2020
160
130
290
44.83%
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
562
115
677
16.99%
34.83%
2024
674
210
884
23.76%
35.33%
2023
875
245
1,120
21.88%
35.67%
2022
1,031
303
1,334
22.71%
37.14%
2021
950
285
1,235
23.08%
35.46%
2020
1,167
253
1,420
17.82%
33.86%