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
40
65
105
61.90%
23.88%
2024
102
77
179
43.02%
23.31%
2023
98
82
180
45.56%
22.83%
2022
88
70
158
44.30%
23.10%
2021
77
68
145
46.90%
22.81%
2020
74
62
136
45.59%
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
38
140
178
78.65%
49.08%
2024
93
134
227
59.03%
47.46%
2023
90
117
207
56.52%
47.29%
2022
63
85
148
57.43%
45.44%
2021
69
77
146
52.74%
44.40%
2020
62
58
120
48.33%
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
14
18
32
56.25%
42.44%
2024
23
24
47
51.06%
41.75%
2023
44
46
90
51.11%
38.64%
2022
42
51
93
54.84%
39.39%
2021
78
65
143
45.45%
40.41%
2020
48
101
149
67.79%
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
13
13
26
50.00%
38.98%
2024
15
13
28
46.43%
39.58%
2023
19
11
30
36.67%
36.96%
2022
16
9
25
36.00%
37.07%
2021
29
17
46
36.96%
39.17%
2020
14
7
21
33.33%
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
20
20
100.00%
83.87%
2024
0
7
7
100.00%
81.44%
2023
0
3
3
100.00%
74.87%
2022
0
3
3
100.00%
72.69%
2021
0
3
3
100.00%
79.01%
2020
0
6
6
100.00%
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
5
36
41
87.80%
13.25%
2024
6
36
42
85.71%
12.32%
2023
8
34
42
80.95%
16.34%
2022
8
39
47
82.98%
11.13%
2021
10
37
47
78.72%
18.93%
2020
10
30
40
75.00%
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
55
10
65
15.38%
45.21%
2024
50
9
59
15.25%
45.23%
2023
47
8
55
14.55%
44.64%
2022
42
10
52
19.23%
46.15%
2021
38
7
45
15.56%
46.87%
2020
32
4
36
11.11%
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
3
3
100.00%
63.59%
2024
2
2
4
50.00%
63.97%
2023
1
4
5
80.00%
62.55%
2022
2
5
7
71.43%
56.52%
2021
2
6
8
75.00%
62.74%
2020
1
3
4
75.00%
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
86
164
250
65.60%
34.83%
2024
337
168
505
33.27%
35.33%
2023
384
230
614
37.46%
35.67%
2022
363
196
559
35.06%
37.14%
2021
358
174
532
32.71%
35.46%
2020
334
161
495
32.53%
33.86%