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
190
58
248
23.39%
23.88%
2024
348
104
452
23.01%
23.31%
2023
422
117
539
21.71%
22.83%
2022
495
134
629
21.30%
23.10%
2021
469
136
605
22.48%
22.81%
2020
491
123
614
20.03%
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
97
34
131
25.95%
49.08%
2024
99
29
128
22.66%
47.46%
2023
92
36
128
28.13%
47.29%
2022
82
31
113
27.43%
45.44%
2021
90
38
128
29.69%
44.40%
2020
79
29
108
26.85%
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
202
73
275
26.55%
42.44%
2024
287
125
412
30.34%
41.75%
2023
304
94
398
23.62%
38.64%
2022
246
90
336
26.79%
39.39%
2021
250
103
353
29.18%
40.41%
2020
325
101
426
23.71%
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
2021
1
0
1
0.00%
39.17%
2020
17
4
21
19.05%
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
3
2
5
40.00%
13.25%
2024
3
3
6
50.00%
12.32%
2023
4
3
7
42.86%
16.34%
2022
4
2
6
33.33%
11.13%
2021
4
2
6
33.33%
18.93%
2020
4
3
7
42.86%
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
19
6
25
24.00%
45.21%
2024
95
33
128
25.78%
45.23%
2023
156
57
213
26.76%
44.64%
2022
208
81
289
28.03%
46.15%
2021
198
84
282
29.79%
46.87%
2020
208
72
280
25.71%
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
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
1
0
1
0.00%
56.52%
2021
1
0
1
0.00%
62.74%
2020
1
0
1
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
33
9
42
21.43%
34.83%
2024
33
5
38
13.16%
35.33%
2023
28
10
38
26.32%
35.67%
2022
30
11
41
26.83%
37.14%
2021
31
11
42
26.19%
35.46%
2020
31
16
47
34.04%
33.86%