Old Guard Ins Co
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
4,421
848
5,269
16.09%
23.88%
2024
4,893
885
5,778
15.32%
23.31%
2023
5,389
971
6,360
15.27%
22.83%
2022
5,409
1,004
6,413
15.66%
23.10%
2021
4,827
979
5,806
16.86%
22.81%
2020
4,484
864
5,348
16.16%
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
222
110
332
33.13%
49.08%
2024
247
108
355
30.42%
47.46%
2023
268
107
375
28.53%
47.29%
2022
286
119
405
29.38%
45.44%
2021
291
112
403
27.79%
44.40%
2020
286
92
378
24.34%
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
244
359
603
59.54%
42.44%
2024
324
396
720
55.00%
41.75%
2023
439
401
840
47.74%
38.64%
2022
342
367
709
51.76%
39.39%
2021
313
328
641
51.17%
40.41%
2020
356
337
693
48.63%
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
1,109
460
1,569
29.32%
38.98%
2024
1,467
465
1,932
24.07%
39.58%
2023
2,188
560
2,748
20.38%
36.96%
2022
1,498
443
1,941
22.82%
37.07%
2021
1,328
454
1,782
25.48%
39.17%
2020
1,545
515
2,060
25.00%
35.42%
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
1
6
7
85.71%
83.87%
2024
1
3
4
75.00%
81.44%
2023
0
2
2
100.00%
74.87%
2022
1
1
2
50.00%
72.69%
2021
1
1
2
50.00%
79.01%
2020
1
2
3
66.67%
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
24
72
96
75.00%
13.25%
2024
31
79
110
71.82%
12.32%
2023
35
49
84
58.33%
16.34%
2022
30
40
70
57.14%
11.13%
2021
30
34
64
53.13%
18.93%
2020
35
34
69
49.28%
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
674
194
868
22.35%
45.21%
2024
740
211
951
22.19%
45.23%
2023
780
232
1,012
22.92%
44.64%
2022
770
216
986
21.91%
46.15%
2021
779
246
1,025
24.00%
46.87%
2020
777
227
1,004
22.61%
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
1
5
6
83.33%
63.59%
2024
0
4
4
100.00%
63.97%
2023
0
2
2
100.00%
62.55%
2022
0
2
2
100.00%
56.52%
2021
0
1
1
100.00%
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
115
39
154
25.32%
34.83%
2024
124
43
167
25.75%
35.33%
2023
138
49
187
26.20%
35.67%
2022
166
63
229
27.51%
37.14%
2021
173
67
240
27.92%
35.46%
2020
153
67
220
30.45%
33.86%