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
286
83
369
22.49%
23.88%
2024
432
89
521
17.08%
23.31%
2023
1,178
181
1,359
13.32%
22.83%
2022
1,380
213
1,593
13.37%
23.10%
2021
1,432
176
1,608
10.95%
22.81%
2020
1,536
144
1,680
8.57%
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
89
24
113
21.24%
49.08%
2024
125
27
152
17.76%
47.46%
2023
139
36
175
20.57%
47.29%
2022
135
19
154
12.34%
45.44%
2021
123
17
140
12.14%
44.40%
2020
136
13
149
8.72%
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
208
199
407
48.89%
42.44%
2024
468
177
645
27.44%
41.75%
2023
527
249
776
32.09%
38.64%
2022
566
289
855
33.80%
39.39%
2021
621
326
947
34.42%
40.41%
2020
658
342
1,000
34.20%
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
2024
15
6
21
28.57%
39.58%
2023
392
85
477
17.82%
36.96%
2022
345
93
438
21.23%
37.07%
2021
383
110
493
22.31%
39.17%
2020
439
143
582
24.57%
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
13
12
25
48.00%
95.15%
2024
10
5
15
33.33%
96.08%
2023
0
1
1
100.00%
95.22%
2022
2
0
2
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
2020
0
0
0
0.00%
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
14
2
16
12.50%
94.16%
2024
28
6
34
17.65%
92.29%
2023
28
7
35
20.00%
92.52%
2022
32
12
44
27.27%
92.14%
2021
40
18
58
31.03%
91.74%
2020
26
5
31
16.13%
93.85%
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
0
0
0
0.00%
13.25%
2024
1
0
1
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
1
0
1
0.00%
18.93%
2020
0
0
0
0.00%
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
2
0
2
0.00%
45.21%
2024
11
2
13
15.38%
45.23%
2023
154
23
177
12.99%
44.64%
2022
176
23
199
11.56%
46.15%
2021
199
36
235
15.32%
46.87%
2020
157
27
184
14.67%
43.90%
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
165
145
310
46.77%
34.83%
2024
259
241
500
48.20%
35.33%
2023
609
590
1,199
49.21%
35.67%
2022
647
524
1,171
44.75%
37.14%
2021
710
689
1,399
49.25%
35.46%
2020
701
864
1,565
55.21%
33.86%