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
318
518
836
61.96%
23.88%
2024
818
612
1,430
42.80%
23.31%
2023
780
652
1,432
45.53%
22.83%
2022
702
562
1,264
44.46%
23.10%
2021
619
541
1,160
46.64%
22.81%
2020
594
499
1,093
45.65%
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
307
1,117
1,424
78.44%
49.08%
2024
742
1,072
1,814
59.10%
47.46%
2023
717
935
1,652
56.60%
47.29%
2022
501
677
1,178
57.47%
45.44%
2021
555
615
1,170
52.56%
44.40%
2020
493
464
957
48.48%
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
108
147
255
57.65%
42.44%
2024
180
192
372
51.61%
41.75%
2023
349
368
717
51.32%
38.64%
2022
335
411
746
55.09%
39.39%
2021
622
516
1,138
45.34%
40.41%
2020
380
811
1,191
68.09%
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
107
106
213
49.77%
38.98%
2024
118
100
218
45.87%
39.58%
2023
154
85
239
35.56%
36.96%
2022
125
68
193
35.23%
37.07%
2021
230
134
364
36.81%
39.17%
2020
112
52
164
31.71%
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
159
159
100.00%
83.87%
2024
2
57
59
96.61%
81.44%
2023
1
24
25
96.00%
74.87%
2022
1
26
27
96.30%
72.69%
2021
2
27
29
93.10%
79.01%
2020
2
47
49
95.92%
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
39
288
327
88.07%
13.25%
2024
44
290
334
86.83%
12.32%
2023
66
275
341
80.65%
16.34%
2022
66
314
380
82.63%
11.13%
2021
82
298
380
78.42%
18.93%
2020
78
237
315
75.24%
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
442
78
520
15.00%
45.21%
2024
398
74
472
15.68%
45.23%
2023
377
63
440
14.32%
44.64%
2022
339
82
421
19.48%
46.15%
2021
302
56
358
15.64%
46.87%
2020
258
32
290
11.03%
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
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
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
0
22
22
100.00%
63.59%
2024
2
19
21
90.48%
63.97%
2023
9
28
37
75.68%
62.55%
2022
14
39
53
73.58%
56.52%
2021
14
44
58
75.86%
62.74%
2020
7
22
29
75.86%
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
685
1,315
2,000
65.75%
34.83%
2024
2,696
1,343
4,039
33.25%
35.33%
2023
3,072
1,838
4,910
37.43%
35.67%
2022
2,907
1,566
4,473
35.01%
37.14%
2021
2,866
1,389
4,255
32.64%
35.46%
2020
2,671
1,284
3,955
32.47%
33.86%