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
66,226
10,043
76,269
13.17%
23.88%
2024
59,539
10,591
70,130
15.10%
23.31%
2023
83,090
11,750
94,840
12.39%
22.83%
2022
80,936
13,010
93,946
13.85%
23.10%
2021
78,649
10,075
88,724
11.36%
22.81%
2020
74,754
9,853
84,607
11.65%
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
3,096
2,769
5,865
47.21%
49.08%
2024
2,953
2,809
5,762
48.75%
47.46%
2023
2,651
2,457
5,108
48.10%
47.29%
2022
2,529
2,387
4,916
48.56%
45.44%
2021
2,272
2,253
4,525
49.79%
44.40%
2020
2,705
2,852
5,557
51.32%
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
5,931
6,469
12,400
52.17%
42.44%
2024
7,918
7,887
15,805
49.90%
41.75%
2023
7,386
7,225
14,611
49.45%
38.64%
2022
7,162
6,540
13,702
47.73%
39.39%
2021
8,829
7,738
16,567
46.71%
40.41%
2020
8,574
15,604
24,178
64.54%
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
11,239
7,827
19,066
41.05%
38.98%
2024
12,460
9,566
22,026
43.43%
39.58%
2023
13,800
10,302
24,102
42.74%
36.96%
2022
11,311
9,792
21,103
46.40%
37.07%
2021
14,176
12,437
26,613
46.73%
39.17%
2020
17,806
13,647
31,453
43.39%
35.42%
Medical Professional 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%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
1
0
1
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
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
2025
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
3
0
3
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
2020
0
0
0
0.00%
93.85%
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
9
108
117
92.31%
83.87%
2024
-1
32
31
103.23%
81.44%
2023
12
75
87
86.21%
74.87%
2022
13
44
57
77.19%
72.69%
2021
29
65
94
69.15%
79.01%
2020
-14
54
40
135.00%
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
193
533
726
73.42%
13.25%
2024
203
648
851
76.15%
12.32%
2023
178
821
999
82.18%
16.34%
2022
213
766
979
78.24%
11.13%
2021
204
937
1,141
82.12%
18.93%
2020
263
915
1,178
77.67%
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
17,671
9,195
26,866
34.23%
45.21%
2024
18,777
9,872
28,649
34.46%
45.23%
2023
19,433
10,956
30,389
36.05%
44.64%
2022
18,985
11,288
30,273
37.29%
46.15%
2021
18,933
10,057
28,990
34.69%
46.87%
2020
19,766
9,072
28,838
31.46%
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
1
1
100.00%
84.76%
2024
0
1
1
100.00%
84.35%
2023
0
1
1
100.00%
68.07%
2022
0
1
1
100.00%
77.84%
2021
0
1
1
100.00%
84.45%
2020
0
1
1
100.00%
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
18
69
87
79.31%
63.59%
2024
19
73
92
79.35%
63.97%
2023
9
50
59
84.75%
62.55%
2022
14
66
80
82.50%
56.52%
2021
21
89
110
80.91%
62.74%
2020
16
71
87
81.61%
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
20,137
14,134
34,271
41.24%
34.83%
2024
19,969
14,246
34,215
41.64%
35.33%
2023
19,695
14,902
34,597
43.07%
35.67%
2022
19,349
14,265
33,614
42.44%
37.14%
2021
17,490
12,317
29,807
41.32%
35.46%
2020
15,130
10,646
25,776
41.30%
33.86%