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
1,789
1,467
3,256
45.06%
23.88%
2024
2,370
2,198
4,568
48.12%
23.31%
2023
1,622
1,307
2,929
44.62%
22.83%
2022
961
800
1,761
45.43%
23.10%
2021
902
547
1,449
37.75%
22.81%
2020
604
380
984
38.62%
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
215
160
375
42.67%
49.08%
2024
139
106
245
43.27%
47.46%
2023
113
53
166
31.93%
47.29%
2022
99
59
158
37.34%
45.44%
2021
112
70
182
38.46%
44.40%
2020
89
45
134
33.58%
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
20
23
43
53.49%
42.44%
2024
59
166
225
73.78%
41.75%
2023
18
59
77
76.62%
38.64%
2022
15
30
45
66.67%
39.39%
2021
19
35
54
64.81%
40.41%
2020
34
79
113
69.91%
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
2
3
5
60.00%
38.98%
2024
12
11
23
47.83%
39.58%
2023
68
29
97
29.90%
36.96%
2022
91
75
166
45.18%
37.07%
2021
124
143
267
53.56%
39.17%
2020
158
171
329
51.98%
35.42%
Medical Professional 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
2021
0
1
1
100.00%
93.58%
2020
0
2
2
100.00%
94.02%
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
12
11
23
47.83%
83.87%
2024
2
11
13
84.62%
81.44%
2023
3
11
14
78.57%
74.87%
2022
22
30
52
57.69%
72.69%
2021
17
20
37
54.05%
79.01%
2020
32
26
58
44.83%
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
129
339
468
72.44%
13.25%
2024
140
309
449
68.82%
12.32%
2023
108
215
323
66.56%
16.34%
2022
55
140
195
71.79%
11.13%
2021
95
435
530
82.08%
18.93%
2020
91
274
365
75.07%
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
266
69
335
20.60%
45.21%
2024
163
285
448
63.62%
45.23%
2023
49
22
71
30.99%
44.64%
2022
17
14
31
45.16%
46.15%
2021
47
11
58
18.97%
46.87%
2020
6
13
19
68.42%
43.90%
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
79
9
88
10.23%
34.83%
2024
96
48
144
33.33%
35.33%
2023
117
14
131
10.69%
35.67%
2022
124
16
140
11.43%
37.14%
2021
144
19
163
11.66%
35.46%
2020
131
24
155
15.48%
33.86%