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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										23.31%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.83%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										23.10%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.81%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										21.51%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.66%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										47.45%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										47.29%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										45.44%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.40%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										42.45%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.33%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										41.74%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										38.64%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.39%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										40.41%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										48.09%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.30%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.58%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										36.96%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										37.07%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.17%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.42%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.34%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										96.09%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										95.22%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										96.00%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										93.58%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										94.02%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										94.59%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										81.44%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										74.87%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										72.69%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										79.01%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										80.13%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										77.47%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										12.32%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.34%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										11.13%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										18.93%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										20.93%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.90%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										45.22%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.64%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										46.15%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										46.87%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.90%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										42.09%
									
								
										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
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										81.57%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										63.97%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										62.55%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										56.52%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										62.74%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										61.51%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										70.02%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.33%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.67%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										37.14%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.46%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										33.86%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										34.01%