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
42,188
7,541
49,729
15.16%
23.88%
2024
40,213
7,147
47,360
15.09%
23.31%
2023
35,982
6,413
42,395
15.13%
22.83%
2022
34,251
6,272
40,523
15.48%
23.10%
2021
30,875
5,538
36,413
15.21%
22.81%
2020
28,516
5,113
33,629
15.20%
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
6,282
3,423
9,705
35.27%
49.08%
2024
5,890
3,268
9,158
35.68%
47.46%
2023
6,054
3,152
9,206
34.24%
47.29%
2022
6,603
3,502
10,105
34.66%
45.44%
2021
6,400
3,316
9,716
34.13%
44.40%
2020
5,523
2,756
8,279
33.29%
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
2,561
1,212
3,773
32.12%
42.44%
2024
2,515
1,165
3,680
31.66%
41.75%
2023
3,209
1,360
4,569
29.77%
38.64%
2022
3,053
1,344
4,397
30.57%
39.39%
2021
2,630
1,166
3,796
30.72%
40.41%
2020
2,730
1,635
4,365
37.46%
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
10,222
2,848
13,070
21.79%
38.98%
2024
8,268
2,617
10,885
24.04%
39.58%
2023
7,250
2,347
9,597
24.46%
36.96%
2022
8,009
2,233
10,242
21.80%
37.07%
2021
4,722
1,902
6,624
28.71%
39.17%
2020
5,445
2,001
7,446
26.87%
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
2024
0
0
0
0.00%
96.08%
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
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
2020
0
1
1
100.00%
93.85%
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
12
15
27
55.56%
83.87%
2024
14
12
26
46.15%
81.44%
2023
16
15
31
48.39%
74.87%
2022
11
10
21
47.62%
72.69%
2021
11
6
17
35.29%
79.01%
2020
7
5
12
41.67%
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
586
566
1,152
49.13%
13.25%
2024
514
507
1,021
49.66%
12.32%
2023
580
495
1,075
46.05%
16.34%
2022
560
482
1,042
46.26%
11.13%
2021
573
465
1,038
44.80%
18.93%
2020
506
445
951
46.79%
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
6,395
2,365
8,760
27.00%
45.21%
2024
6,085
2,203
8,288
26.58%
45.23%
2023
5,154
1,856
7,010
26.48%
44.64%
2022
4,297
1,674
5,971
28.04%
46.15%
2021
4,385
1,626
6,011
27.05%
46.87%
2020
4,326
1,538
5,864
26.23%
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
32
49
81
60.49%
63.59%
2024
41
46
87
52.87%
63.97%
2023
39
54
93
58.06%
62.55%
2022
50
59
109
54.13%
56.52%
2021
53
63
116
54.31%
62.74%
2020
45
59
104
56.73%
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
3,218
532
3,750
14.19%
34.83%
2024
3,172
528
3,700
14.27%
35.33%
2023
3,082
578
3,660
15.79%
35.67%
2022
3,375
586
3,961
14.79%
37.14%
2021
3,474
614
4,088
15.02%
35.46%
2020
3,160
557
3,717
14.99%
33.86%