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
223
57
280
20.36%
23.88%
2024
388
148
536
27.61%
23.31%
2023
522
254
776
32.73%
22.83%
2022
712
345
1,057
32.64%
23.10%
2021
747
318
1,065
29.86%
22.81%
2020
695
0
695
0.00%
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
76
49
125
39.20%
49.08%
2024
209
98
307
31.92%
47.46%
2023
237
133
370
35.95%
47.29%
2022
370
160
530
30.19%
45.44%
2021
349
187
536
34.89%
44.40%
2020
299
151
450
33.56%
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
153
106
259
40.93%
42.44%
2024
225
126
351
35.90%
41.75%
2023
391
184
575
32.00%
38.64%
2022
457
281
738
38.08%
39.39%
2021
621
381
1,002
38.02%
40.41%
2020
712
429
1,141
37.60%
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
0
1
1
100.00%
38.98%
2024
1
1
2
50.00%
39.58%
2023
31
3
34
8.82%
36.96%
2022
10
5
15
33.33%
37.07%
2021
38
6
44
13.64%
39.17%
2020
30
5
35
14.29%
35.42%
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
2024
0
1
1
100.00%
81.44%
2023
2
1
3
33.33%
74.87%
2022
6
9
15
60.00%
72.69%
2021
6
4
10
40.00%
79.01%
2020
11
6
17
35.29%
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
13
30
43.33%
13.25%
2024
23
12
35
34.29%
12.32%
2023
47
28
75
37.33%
16.34%
2022
46
40
86
46.51%
11.13%
2021
61
38
99
38.38%
18.93%
2020
49
52
101
51.49%
20.93%
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
5
3
8
37.50%
63.59%
2024
10
3
13
23.08%
63.97%
2023
5
11
16
68.75%
62.55%
2022
14
8
22
36.36%
56.52%
2021
3
11
14
78.57%
62.74%
2020
11
13
24
54.17%
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
129
68
197
34.52%
34.83%
2024
233
127
360
35.28%
35.33%
2023
301
103
404
25.50%
35.67%
2022
400
123
523
23.52%
37.14%
2021
421
167
588
28.40%
35.46%
2020
432
175
607
28.83%
33.86%