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
439
92
531
17.33%
23.88%
2024
494
101
595
16.97%
23.31%
2023
512
97
609
15.93%
22.83%
2022
496
89
585
15.21%
23.10%
2021
493
100
593
16.86%
22.81%
2020
440
97
537
18.06%
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
43
18
61
29.51%
49.08%
2024
42
19
61
31.15%
47.46%
2023
41
21
62
33.87%
47.29%
2022
42
21
63
33.33%
45.44%
2021
43
18
61
29.51%
44.40%
2020
40
18
58
31.03%
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
12
8
20
40.00%
42.44%
2024
15
8
23
34.78%
41.75%
2023
15
7
22
31.82%
38.64%
2022
14
7
21
33.33%
39.39%
2021
15
8
23
34.78%
40.41%
2020
19
17
36
47.22%
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
80
23
103
22.33%
38.98%
2024
104
30
134
22.39%
39.58%
2023
92
25
117
21.37%
36.96%
2022
86
24
110
21.82%
37.07%
2021
87
27
114
23.68%
39.17%
2020
104
31
135
22.96%
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
9
9
18
50.00%
13.25%
2024
10
9
19
47.37%
12.32%
2023
11
9
20
45.00%
16.34%
2022
10
8
18
44.44%
11.13%
2021
11
9
20
45.00%
18.93%
2020
11
7
18
38.89%
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
94
39
133
29.32%
45.21%
2024
115
42
157
26.75%
45.23%
2023
108
43
151
28.48%
44.64%
2022
105
41
146
28.08%
46.15%
2021
114
40
154
25.97%
46.87%
2020
108
36
144
25.00%
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
2022
2
2
4
50.00%
56.52%
2021
2
2
4
50.00%
62.74%
2020
2
2
4
50.00%
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
22
10
32
31.25%
34.83%
2024
27
10
37
27.03%
35.33%
2023
29
13
42
30.95%
35.67%
2022
31
13
44
29.55%
37.14%
2021
33
14
47
29.79%
35.46%
2020
30
12
42
28.57%
33.86%