WestGUARD Ins Co
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
109
107
216
49.54%
23.88%
2024
128
90
218
41.28%
23.31%
2023
276
128
404
31.68%
22.83%
2022
262
235
497
47.28%
23.10%
2021
211
239
450
53.11%
22.81%
2020
252
278
530
52.45%
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
144
116
260
44.62%
49.08%
2024
390
93
483
19.25%
47.46%
2023
274
152
426
35.68%
47.29%
2022
230
234
464
50.43%
45.44%
2021
131
168
299
56.19%
44.40%
2020
319
399
718
55.57%
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
54
21
75
28.00%
42.44%
2024
129
55
184
29.89%
41.75%
2023
154
99
253
39.13%
38.64%
2022
220
206
426
48.36%
39.39%
2021
266
209
475
44.00%
40.41%
2020
224
314
538
58.36%
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
169
22
191
11.52%
38.98%
2024
548
61
609
10.02%
39.58%
2023
582
92
674
13.65%
36.96%
2022
426
84
510
16.47%
37.07%
2021
478
89
567
15.70%
39.17%
2020
161
97
258
37.60%
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
2
2
100.00%
83.87%
2024
2
1
3
33.33%
81.44%
2023
0
2
2
100.00%
74.87%
2022
1
1
2
50.00%
72.69%
2021
5
2
7
28.57%
79.01%
2020
1
6
7
85.71%
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
2
4
50.00%
13.25%
2024
7
1
8
12.50%
12.32%
2023
6
8
14
57.14%
16.34%
2022
5
6
11
54.55%
11.13%
2021
12
3
15
20.00%
18.93%
2020
8
14
22
63.64%
20.93%
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%
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
135
57
192
29.69%
34.83%
2024
173
84
257
32.68%
35.33%
2023
188
97
285
34.04%
35.67%
2022
220
140
360
38.89%
37.14%
2021
270
105
375
28.00%
35.46%
2020
237
27
264
10.23%
33.86%