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
16,025
1,382
17,407
7.94%
23.88%
2024
17,719
1,405
19,124
7.35%
23.31%
2023
19,024
1,516
20,540
7.38%
22.83%
2022
18,830
1,536
20,366
7.54%
23.10%
2021
16,835
1,308
18,143
7.21%
22.81%
2020
14,776
1,161
15,937
7.28%
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
521
962
1,483
64.87%
49.08%
2024
522
857
1,379
62.15%
47.46%
2023
525
814
1,339
60.79%
47.29%
2022
511
732
1,243
58.89%
45.44%
2021
518
638
1,156
55.19%
44.40%
2020
558
651
1,209
53.85%
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
321
386
707
54.60%
42.44%
2024
391
436
827
52.72%
41.75%
2023
421
427
848
50.35%
38.64%
2022
424
401
825
48.61%
39.39%
2021
474
492
966
50.93%
40.41%
2020
503
802
1,305
61.46%
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
3,686
193
3,879
4.98%
38.98%
2024
5,163
293
5,456
5.37%
39.58%
2023
5,610
383
5,993
6.39%
36.96%
2022
4,600
300
4,900
6.12%
37.07%
2021
4,871
354
5,225
6.78%
39.17%
2020
4,738
242
4,980
4.86%
35.42%
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
2023
0
0
0
0.00%
92.52%
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
11
6
17
35.29%
83.87%
2024
10
4
14
28.57%
81.44%
2023
6
5
11
45.45%
74.87%
2022
8
6
14
42.86%
72.69%
2021
8
4
12
33.33%
79.01%
2020
8
4
12
33.33%
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
39
196
235
83.40%
13.25%
2024
34
184
218
84.40%
12.32%
2023
35
176
211
83.41%
16.34%
2022
38
155
193
80.31%
11.13%
2021
44
90
134
67.16%
18.93%
2020
44
92
136
67.65%
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
2,521
615
3,136
19.61%
45.21%
2024
2,693
709
3,402
20.84%
45.23%
2023
2,887
711
3,598
19.76%
44.64%
2022
2,695
772
3,467
22.27%
46.15%
2021
2,516
586
3,102
18.89%
46.87%
2020
2,361
438
2,799
15.65%
43.90%
Product 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
0
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
83.02%
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
9
10
90.00%
63.59%
2024
0
9
9
100.00%
63.97%
2023
0
7
7
100.00%
62.55%
2022
1
4
5
80.00%
56.52%
2021
1
2
3
66.67%
62.74%
2020
3
4
7
57.14%
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
1,252
470
1,722
27.29%
34.83%
2024
1,273
469
1,742
26.92%
35.33%
2023
1,289
467
1,756
26.59%
35.67%
2022
1,335
559
1,894
29.51%
37.14%
2021
1,325
272
1,597
17.03%
35.46%
2020
1,267
446
1,713
26.04%
33.86%