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
943
342
1,285
26.61%
23.88%
2024
1,149
423
1,572
26.91%
23.31%
2023
994
415
1,409
29.45%
22.83%
2022
891
397
1,288
30.82%
23.10%
2021
884
376
1,260
29.84%
22.81%
2020
1,029
379
1,408
26.92%
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
983
648
1,631
39.73%
49.08%
2024
873
603
1,476
40.85%
47.46%
2023
786
616
1,402
43.94%
47.29%
2022
758
638
1,396
45.70%
45.44%
2021
806
628
1,434
43.79%
44.40%
2020
802
590
1,392
42.39%
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
237
139
376
36.97%
42.44%
2024
226
193
419
46.06%
41.75%
2023
244
189
433
43.65%
38.64%
2022
296
274
570
48.07%
39.39%
2021
308
335
643
52.10%
40.41%
2020
336
315
651
48.39%
48.09%
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
5
3
8
37.50%
83.87%
2024
7
1
8
12.50%
81.44%
2023
8
0
8
0.00%
74.87%
2022
2
1
3
33.33%
72.69%
2021
5
7
12
58.33%
79.01%
2020
9
5
14
35.71%
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
25
30
55
54.55%
13.25%
2024
26
13
39
33.33%
12.32%
2023
14
21
35
60.00%
16.34%
2022
22
18
40
45.00%
11.13%
2021
27
22
49
44.90%
18.93%
2020
36
23
59
38.98%
20.93%
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
825
606
1,431
42.35%
34.83%
2024
909
666
1,575
42.29%
35.33%
2023
1,039
859
1,898
45.26%
35.67%
2022
1,139
1,062
2,201
48.25%
37.14%
2021
1,140
1,044
2,184
47.80%
35.46%
2020
1,133
1,042
2,175
47.91%
33.86%