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
276
116
392
29.59%
23.88%
2024
357
116
473
24.52%
23.31%
2023
434
142
576
24.65%
22.83%
2022
460
143
603
23.71%
23.10%
2021
418
129
547
23.58%
22.81%
2020
348
91
439
20.73%
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
66
104
170
61.18%
49.08%
2024
126
104
230
45.22%
47.46%
2023
144
112
256
43.75%
47.29%
2022
154
109
263
41.44%
45.44%
2021
129
87
216
40.28%
44.40%
2020
106
64
170
37.65%
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
69
43
112
38.39%
42.44%
2024
82
43
125
34.40%
41.75%
2023
100
46
146
31.51%
38.64%
2022
102
45
147
30.61%
39.39%
2021
97
60
157
38.22%
40.41%
2020
104
127
231
54.98%
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
24
13
37
35.14%
38.98%
2024
35
13
48
27.08%
39.58%
2023
32
9
41
21.95%
36.96%
2022
40
14
54
25.93%
37.07%
2021
38
17
55
30.91%
39.17%
2020
52
15
67
22.39%
35.42%
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
3
5
60.00%
13.25%
2024
2
3
5
60.00%
12.32%
2023
3
4
7
57.14%
16.34%
2022
3
4
7
57.14%
11.13%
2021
2
4
6
66.67%
18.93%
2020
2
3
5
60.00%
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
26
26
52
50.00%
45.21%
2024
37
26
63
41.27%
45.23%
2023
40
33
73
45.21%
44.64%
2022
40
32
72
44.44%
46.15%
2021
40
27
67
40.30%
46.87%
2020
34
28
62
45.16%
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
7
6
13
46.15%
34.83%
2024
13
6
19
31.58%
35.33%
2023
15
6
21
28.57%
35.67%
2022
16
8
24
33.33%
37.14%
2021
15
9
24
37.50%
35.46%
2020
11
5
16
31.25%
33.86%