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
2,643
126
2,769
4.55%
23.88%
2024
2,957
214
3,171
6.75%
23.31%
2023
2,848
287
3,135
9.15%
22.83%
2022
2,960
284
3,244
8.75%
23.10%
2021
2,262
216
2,478
8.72%
22.81%
2020
2,023
189
2,212
8.54%
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
7
3
10
30.00%
49.08%
2024
11
1
12
8.33%
47.46%
2023
7
3
10
30.00%
47.29%
2022
8
2
10
20.00%
45.44%
2021
8
4
12
33.33%
44.40%
2020
7
5
12
41.67%
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
40
10
50
20.00%
42.44%
2024
62
11
73
15.07%
41.75%
2023
80
17
97
17.53%
38.64%
2022
110
8
118
6.78%
39.39%
2021
64
12
76
15.79%
40.41%
2020
68
35
103
33.98%
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
1,057
131
1,188
11.03%
38.98%
2024
983
111
1,094
10.15%
39.58%
2023
1,710
132
1,842
7.17%
36.96%
2022
3,625
180
3,805
4.73%
37.07%
2021
1,245
139
1,384
10.04%
39.17%
2020
1,054
186
1,240
15.00%
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
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
0
0
0
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
323
67
390
17.18%
45.21%
2024
346
74
420
17.62%
45.23%
2023
346
66
412
16.02%
44.64%
2022
298
71
369
19.24%
46.15%
2021
288
72
360
20.00%
46.87%
2020
244
44
288
15.28%
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
144
159
303
52.48%
34.83%
2024
141
293
434
67.51%
35.33%
2023
142
427
569
75.04%
35.67%
2022
132
344
476
72.27%
37.14%
2021
115
303
418
72.49%
35.46%
2020
119
273
392
69.64%
33.86%