Employers Mutual Casualty Co
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
10,901
1,255
12,156
10.32%
23.88%
2024
13,538
1,644
15,182
10.83%
23.31%
2023
15,428
1,778
17,206
10.33%
22.83%
2022
15,126
1,590
16,716
9.51%
23.10%
2021
14,602
1,708
16,310
10.47%
22.81%
2020
14,462
1,573
16,035
9.81%
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
4,663
1,705
6,368
26.77%
49.08%
2024
5,158
1,933
7,091
27.26%
47.46%
2023
5,636
1,792
7,428
24.12%
47.29%
2022
5,526
1,647
7,173
22.96%
45.44%
2021
6,187
2,050
8,237
24.89%
44.40%
2020
5,942
1,855
7,797
23.79%
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
679
462
1,141
40.49%
42.44%
2024
971
469
1,440
32.57%
41.75%
2023
1,078
580
1,658
34.98%
38.64%
2022
1,231
645
1,876
34.38%
39.39%
2021
1,326
770
2,096
36.74%
40.41%
2020
1,473
1,427
2,900
49.21%
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
0
0
0.00%
38.98%
2022
0
0
0
0.00%
37.07%
2021
0
0
0
0.00%
39.17%
2020
30
9
39
23.08%
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
173
284
457
62.14%
83.87%
2024
222
319
541
58.96%
81.44%
2023
175
274
449
61.02%
74.87%
2022
179
240
419
57.28%
72.69%
2021
117
224
341
65.69%
79.01%
2020
144
190
334
56.89%
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
55
1,708
1,763
96.88%
13.25%
2024
139
1,868
2,007
93.07%
12.32%
2023
133
2,117
2,250
94.09%
16.34%
2022
1,441
1,822
3,263
55.84%
11.13%
2021
1,780
2,080
3,860
53.89%
18.93%
2020
2,129
3,165
5,294
59.78%
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
0
0
0
0.00%
45.21%
2024
0
0
0
0.00%
45.23%
2023
0
0
0
0.00%
44.64%
2022
1
0
1
0.00%
46.15%
2021
4
2
6
33.33%
46.87%
2020
66
19
85
22.35%
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
12
282
294
95.92%
63.59%
2024
25
334
359
93.04%
63.97%
2023
75
223
298
74.83%
62.55%
2022
155
147
302
48.68%
56.52%
2021
158
197
355
55.49%
62.74%
2020
200
157
357
43.98%
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
3,833
1,429
5,262
27.16%
34.83%
2024
8,143
1,762
9,905
17.79%
35.33%
2023
8,707
1,160
9,867
11.76%
35.67%
2022
8,371
1,138
9,509
11.97%
37.14%
2021
8,790
1,183
9,973
11.86%
35.46%
2020
8,776
1,075
9,851
10.91%
33.86%