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
3,297
586
3,883
15.09%
23.88%
2024
4,000
672
4,672
14.38%
23.31%
2023
4,664
892
5,556
16.05%
22.83%
2022
4,257
932
5,189
17.96%
23.10%
2021
4,326
870
5,196
16.74%
22.81%
2020
4,472
851
5,323
15.99%
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
184
85
269
31.60%
49.08%
2024
201
74
275
26.91%
47.46%
2023
217
139
356
39.04%
47.29%
2022
238
144
382
37.70%
45.44%
2021
213
142
355
40.00%
44.40%
2020
227
135
362
37.29%
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
203
117
320
36.56%
42.44%
2024
316
229
545
42.02%
41.75%
2023
257
182
439
41.46%
38.64%
2022
267
162
429
37.76%
39.39%
2021
324
223
547
40.77%
40.41%
2020
279
358
637
56.20%
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
541
180
721
24.97%
38.98%
2024
926
489
1,415
34.56%
39.58%
2023
817
333
1,150
28.96%
36.96%
2022
639
255
894
28.52%
37.07%
2021
759
362
1,121
32.29%
39.17%
2020
991
415
1,406
29.52%
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
2025
0
0
0
0.00%
83.87%
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
5
10
15
66.67%
13.25%
2024
40
7
47
14.89%
12.32%
2023
4
8
12
66.67%
16.34%
2022
4
9
13
69.23%
11.13%
2021
5
8
13
61.54%
18.93%
2020
4
10
14
71.43%
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
474
134
608
22.04%
45.21%
2024
592
172
764
22.51%
45.23%
2023
702
314
1,016
30.91%
44.64%
2022
628
285
913
31.22%
46.15%
2021
653
285
938
30.38%
46.87%
2020
700
260
960
27.08%
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
14
11
25
44.00%
63.59%
2024
11
6
17
35.29%
63.97%
2023
8
12
20
60.00%
62.55%
2022
9
10
19
52.63%
56.52%
2021
12
10
22
45.45%
62.74%
2020
13
12
25
48.00%
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
55
13
68
19.12%
34.83%
2024
52
7
59
11.86%
35.33%
2023
35
22
57
38.60%
35.67%
2022
39
25
64
39.06%
37.14%
2021
33
28
61
45.90%
35.46%
2020
22
19
41
46.34%
33.86%