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
1,501
464
1,965
23.61%
23.88%
2024
1,744
553
2,297
24.07%
23.31%
2023
1,970
576
2,546
22.62%
22.83%
2022
1,980
610
2,590
23.55%
23.10%
2021
1,950
644
2,594
24.83%
22.81%
2020
1,918
561
2,479
22.63%
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
116
30
146
20.55%
49.08%
2024
98
30
128
23.44%
47.46%
2023
98
35
133
26.32%
47.29%
2022
102
28
130
21.54%
45.44%
2021
88
23
111
20.72%
44.40%
2020
52
22
74
29.73%
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
141
84
225
37.33%
42.44%
2024
157
92
249
36.95%
41.75%
2023
190
94
284
33.10%
38.64%
2022
163
106
269
39.41%
39.39%
2021
134
86
220
39.09%
40.41%
2020
260
168
428
39.25%
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
647
245
892
27.47%
38.98%
2024
872
261
1,133
23.04%
39.58%
2023
1,340
370
1,710
21.64%
36.96%
2022
920
374
1,294
28.90%
37.07%
2021
767
313
1,080
28.98%
39.17%
2020
1,602
568
2,170
26.18%
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
6
5
11
45.45%
13.25%
2024
3
3
6
50.00%
12.32%
2023
3
5
8
62.50%
16.34%
2022
4
5
9
55.56%
11.13%
2021
6
6
12
50.00%
18.93%
2020
2
4
6
66.67%
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
372
100
472
21.19%
45.21%
2024
466
125
591
21.15%
45.23%
2023
525
123
648
18.98%
44.64%
2022
540
158
698
22.64%
46.15%
2021
604
175
779
22.46%
46.87%
2020
573
216
789
27.38%
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
1
1
100.00%
62.55%
2022
0
1
1
100.00%
56.52%
2021
1
1
2
50.00%
62.74%
2020
0
0
0
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
14
4
18
22.22%
34.83%
2024
17
5
22
22.73%
35.33%
2023
17
7
24
29.17%
35.67%
2022
14
8
22
36.36%
37.14%
2021
18
4
22
18.18%
35.46%
2020
14
6
20
30.00%
33.86%