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
8,017
673
8,690
7.74%
23.88%
2024
8,879
692
9,571
7.23%
23.31%
2023
9,529
754
10,283
7.33%
22.83%
2022
9,437
761
10,198
7.46%
23.10%
2021
8,438
651
9,089
7.16%
22.81%
2020
7,412
586
7,998
7.33%
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
253
472
725
65.10%
49.08%
2024
251
422
673
62.70%
47.46%
2023
251
399
650
61.38%
47.29%
2022
239
363
602
60.30%
45.44%
2021
253
312
565
55.22%
44.40%
2020
275
317
592
53.55%
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
152
194
346
56.07%
42.44%
2024
192
211
403
52.36%
41.75%
2023
214
207
421
49.17%
38.64%
2022
207
200
407
49.14%
39.39%
2021
229
238
467
50.96%
40.41%
2020
247
392
639
61.35%
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
1,849
98
1,947
5.03%
38.98%
2024
2,589
145
2,734
5.30%
39.58%
2023
2,814
187
3,001
6.23%
36.96%
2022
2,307
150
2,457
6.11%
37.07%
2021
2,442
174
2,616
6.65%
39.17%
2020
2,379
122
2,501
4.88%
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
4
1
5
20.00%
83.87%
2024
4
1
5
20.00%
81.44%
2023
3
1
4
25.00%
74.87%
2022
4
0
4
0.00%
72.69%
2021
3
0
3
0.00%
79.01%
2020
3
1
4
25.00%
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
17
96
113
84.96%
13.25%
2024
16
93
109
85.32%
12.32%
2023
16
85
101
84.16%
16.34%
2022
17
71
88
80.68%
11.13%
2021
17
40
57
70.18%
18.93%
2020
23
37
60
61.67%
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
1,263
309
1,572
19.66%
45.21%
2024
1,352
357
1,709
20.89%
45.23%
2023
1,447
356
1,803
19.74%
44.64%
2022
1,351
387
1,738
22.27%
46.15%
2021
1,259
295
1,554
18.98%
46.87%
2020
1,185
219
1,404
15.60%
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
0
2
2
100.00%
63.59%
2024
0
3
3
100.00%
63.97%
2023
0
2
2
100.00%
62.55%
2022
0
1
1
100.00%
56.52%
2021
1
1
2
50.00%
62.74%
2020
0
2
2
100.00%
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
616
220
836
26.32%
34.83%
2024
622
222
844
26.30%
35.33%
2023
634
229
863
26.54%
35.67%
2022
657
270
927
29.13%
37.14%
2021
653
121
774
15.63%
35.46%
2020
634
213
847
25.15%
33.86%