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
137
91
228
39.91%
23.88%
2024
148
77
225
34.22%
23.31%
2023
119
42
161
26.09%
22.83%
2022
136
62
198
31.31%
23.10%
2021
143
75
218
34.40%
22.81%
2020
191
129
320
40.31%
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
77
76
153
49.67%
49.08%
2024
77
81
158
51.27%
47.46%
2023
70
71
141
50.35%
47.29%
2022
91
94
185
50.81%
45.44%
2021
107
118
225
52.44%
44.40%
2020
124
128
252
50.79%
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
4
4
8
50.00%
42.44%
2024
6
7
13
53.85%
41.75%
2023
8
7
15
46.67%
38.64%
2022
8
9
17
52.94%
39.39%
2021
37
52
89
58.43%
40.41%
2020
36
123
159
77.36%
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
237
121
358
33.80%
38.98%
2024
386
286
672
42.56%
39.58%
2023
2
4
6
66.67%
36.96%
2022
294
166
460
36.09%
37.07%
2021
852
576
1,428
40.34%
39.17%
2020
469
264
733
36.02%
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
27
28
96.43%
83.87%
2024
1
20
21
95.24%
81.44%
2023
0
12
12
100.00%
74.87%
2022
0
6
6
100.00%
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
1
6
7
85.71%
13.25%
2024
2
6
8
75.00%
12.32%
2023
2
7
9
77.78%
16.34%
2022
3
7
10
70.00%
11.13%
2021
3
10
13
76.92%
18.93%
2020
7
12
19
63.16%
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
6
5
11
45.45%
46.87%
2020
44
91
135
67.41%
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
1
1
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
1
3
33.33%
37.14%
2021
1
2
3
66.67%
35.46%
2020
2
2
4
50.00%
33.86%